Thisted Forsikring Casco (own-damage car insurance) (Bilforsikring Kasko)

Casco customers get free European rescue assistance through the Red Card scheme with no deductible.

Customers automatically reach discounted 'elitebilist' pricing at age 25, with the only requirement being an active car insurance with Thisted Forsikring.

The optional parking-damage cover pays with zero deductible for damage caused by an unknown party while legally parked.

Thisted Forsikring is a 100% customer-owned mutual insurer, so profits are not paid out to external shareholders.

Driver age and experience limit

Drivers under 23 years who are not the registered user or the policyholder's spouse/partner at the same address trigger double deductible on damage claims. The optional 'Ung bilist' add-on, available only to Helkunde (full) customers, lets the policyholder's children (17+, licensed, no own car, max 2 cars in household, not an ATV) earn a no-claims discount until they turn 23, for later use. 'Elitebilist' discount status is reached automatically at 25 years of age provided the car is insured with Thisted Forsikring.

Section: 15. Ung bilist

Dækningen er forbeholdt forsikringstagere, som opfylder de betingelser, der til enhver tid gælder for at være Helkunde i Thisted Forsikring A/S. Har du valgt Ung bilist optjener dine børn rabat for skadefri kørsel indtil de fylder 23 år.

Repair network requirements

The insurer is entitled to direct the choice of repairer and parts supplier; if damage occurs while the car is with a repairer who cannot prove they were not at fault, repairs that could be carried out at that workshop are settled at net prices.

Anti-theft requirements

Non-fixed equipment belonging to the car (bike racks, roof boxes, tyres, removed rims, tools, extra mirrors, temporarily removed equipment) is only covered for theft if it was stored in a securely locked space.

Claim notification deadline

Damage must be reported to the insurer as soon as possible. Crimes such as theft or vandalism must be reported to the police immediately, with proof of the report available on request; the police have 30 days to investigate before compensation is paid, and a stolen car not found within 30 days of the report is settled as a cash total loss.

Deductible rules

The policy deductible applies to both liability and casco claims but is only charged once if both are triggered by the same event. It is doubled if an unregistered driver under 23 (other than a spouse/partner at the same address) caused the damage, and increased by an extra 150% for damage caused under self-inflicted intoxication. No deductible applies to number-plate theft under casco, to glass repair (as opposed to replacement), or to parking damage under the optional cover; a flat 1,100 kr deductible applies to trailer-only damage (2022 index).

Direct payment

The insurer settles casco claims either by arranging and paying for a repair directly, by cash payment, or by replacement in kind, and is entitled to designate the repairer and parts supplier.