Topdanmark
Topdanmark is a motor casco insurance for the DK market with online purchase and limited assistance availability.
Direct payment
For partial damage (kaskoskade), the insurer settles directly with the repair workshop. For total loss (totalskade), the policyholder receives a direct cash payment.
Geographic scope
DK
Danmark og Europa (redningsforsikring i udlandet inkluderet i kaskodækning for personbiler op til 3.500 kg totalvægt)
Unique selling points
- Policyholders can select a deductible from DKK 0, offering one of the lowest deductible floors in the Danish market.
- Any driver can reach elite status (lowest price tier) within just three years regardless of age, accelerating premium discounts for all customers.
- Choosing a Topdanmark partner workshop gives casco customers a free loan vehicle, car wash, cleaning, and an extended 3-year repair warranty at no extra cost.
- Roadside assistance in Europe is automatically included in casco coverage, with a one-hour arrival guarantee backed by a full annual premium refund if the deadline is missed.
- Electric vehicle owners benefit from zero deductible on damage to the vehicle's charging cable as a standard casco inclusion, with no additional premium required.
Coverage limits
Own vehicle damage
Covered
Covers damage to the insured vehicle caused by traffic accidents, vandalism, fire, flooding, and most other perils. Settled directly with the repair workshop for partial damage.
SourceTotal loss
Covered
If the vehicle is declared a total loss, the policyholder receives a direct cash settlement. Coverage applies to total loss caused by traffic accidents, theft, fire, and other insured perils.
SourcePartial loss / partial damage
Covered
Covers partial damage to the insured vehicle from traffic accidents, hail, storm, and other insured perils. The insurer settles directly with the partner workshop; policyholder pays only the chosen deductible.
SourceTheft and robbery
Covered
Covers theft of the vehicle or robbery. In the event of theft, the policyholder may also rent a loan vehicle. Note: theft is not covered if the car keys were left in the vehicle.
SourceGlass damage
Covered
Glass damage (windscreen, panoramic roof, etc.) is included in the casco. Standard deductible of DKK 1,781 applies for glass replacement; glass repair (e.g. stone chip) carries a separate deductible. Optional 'extended glass coverage' add-on removes the deductible on repair and reduces it on replacement.
SourceNatural perils (storm, flooding, hail)
Covered
Covers damage to the insured vehicle from natural events such as flooding, storm, and hail, as explicitly stated in the product description.
SourceVandalism
Covered
Covers damage to the insured vehicle caused by vandalism (hærværk). No deductible applies when the responsible party is identified. The policyholder's deductible is waived if the vandalism is covered under specific free-damage (friskade) provisions.
SourceRoadside assistance (vejhjælp)
Conditional
International rescue/roadside assistance in Europe is automatically included with casco coverage for passenger cars up to 3,500 kg. Domestic roadside assistance (vejhjælp) in Denmark is an optional add-on. Extended vejhjælp (including wheel change, car wash, and vehicle inspection) is a further optional upgrade. A one-hour arrival guarantee applies: if assistance does not arrive within one hour, the full annual premium is refunded.
SourceLoan/replacement vehicle
Conditional
A loan vehicle is available if the insured chooses a Topdanmark partner workshop for casco repairs; it is provided at no extra charge in this case. Alternatively, if the policyholder has vejhjælp and roadside assistance has attended the vehicle, a loan vehicle can be rented at DKK 242 per day with unlimited days and no deductible on damage. A loan vehicle is also available if the car is stolen.
SourceDriver accident cover (førerdækning)
Optional
A special accident insurance covering the driver of the vehicle in a traffic accident. This is listed as a separate optional coverage. Not paid if compensation is available from a liable third party, third-party liability insurance, or mandatory workers' compensation insurance, or if the vehicle is used for commercial transportation, hire, or via a car-sharing arrangement.
SourceKey conditions
driver_age_experience_limit
Drivers under 24 years of age are subject to a minimum deductible of DKK 9,501 for any liability or casco claim they cause, regardless of the deductible level selected. This does not apply to glass claims. This can be avoided by purchasing the optional 'young driver coverage' (ung bilist-dækning) add-on.
repair_network_requirements
Policyholders may choose any workshop, but choosing a Topdanmark partner workshop (fordelsværksted) provides additional benefits: loan vehicle, car wash, cleaning, and an extended 3-year warranty on repairs. Direct settlement between insurer and workshop also applies only at partner workshops. At independent workshops, the policyholder may need to pay upfront and claim reimbursement.
territorial_scope
The casco policy is valid in Denmark. International rescue assistance (redningsforsikring) in Europe is automatically included for passenger cars with a total weight of up to 3,500 kg. For vehicles over 3,500 kg (e.g. motorhomes), the international rescue coverage does not apply and must be added as an optional vejhjælp add-on.
anti_theft_requirements
Theft is not covered if the vehicle's keys were left in the car at the time of the incident.
claim_notification_deadline
Claims must be reported promptly. Damage can be reported online via topdanmark.dk, through the Topdanmark app, or by phone. Specific deadlines are defined in the full policy terms (vilkårsnr. 8815-1).
deductible_rules
The policyholder may freely choose a deductible starting from DKK 0. The deductible is waived entirely when a third party is identified as responsible for the damage. If the perpetrator is unknown (e.g. an unwitnessed parking dent), the policyholder pays the chosen deductible. A higher deductible (minimum DKK 9,501) applies when the driver is under 24 years of age. The selected mileage interval must match actual annual driving; if actual mileage exceeds the purchased interval, claim payments are proportionally reduced.
Where to buy
Policy specifics
Spare parts coverage in locked storage
Coverage for spare parts stored in locked storage up to DKK 20,000
Zero deductible for electric vehicle charger damage
For electric vehicles: zero deductible on damage to charging cables and charging boxes when casco coverage is selected
Loan vehicle and workshop services
Customers can choose preferred partner workshops that offer loan vehicles, car wash, cleaning, and extended 3-year warranty on repairs
Parking damage deductible waiver
Optional add-on that covers the policyholder's deductible if the vehicle sustains damage while parked
Extended glass coverage
Optional add-on providing zero deductible for glass repairs and reduced deductible for glass replacement
Leased vehicle return protection
Optional coverage for minor damage when returning a leased vehicle to the lessor
Young driver coverage
Optional add-on for households with young drivers (under 24) that avoids increased deductible penalty and allows accumulation of seniority
Preferred workshop network requirement
Claims settlement differs based on repair location: direct settlement with partner workshops vs. policyholder payment plus possible reimbursement with independent shops
Flexible deductible selection
Policyholders can select deductible amounts starting from DKK 0; higher deductible for unknown damage perpetrator; increased deductible (min. DKK 9,501) for drivers under 24
Total loss settlement as direct payment
Only total loss (totalskade) claims result in direct cash payment to policyholder; partial damage claims are settled directly between insurer and repair workshop
Mileage coverage must match actual use
Policyholders must select a mileage interval matching actual annual driving; if actual mileage exceeds purchased coverage, claim payments are proportionally reduced
Increased deductible for drivers under 24
If a driver under 24 causes damage, minimum deductible of DKK 9,501 applies regardless of selected deductible level, unless young driver coverage is purchased
Annual price tier adjustment based on seniority
From 2022, price tier adjustments occur once annually only; drivers can become 'elite' (lowest tier) within 3 years regardless of age; claims history affects tier progression