Topdanmark Casco (own-damage car insurance) (Kaskoforsikring)
Underwritten by Topdanmark · Denmark
casco (own-damage car insurance) from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 10, 2026Sources
Unique selling points
Customers can choose their own deductible starting from 0 DKK.
Any driver can reach the lowest 'elite driver' price tier within a maximum of three years.
Choosing a preferred repair workshop gives a free loan car, car wash, cleaning and an extended repair warranty at no extra cost.
International roadside/rescue assistance across Europe is automatically included when casco cover is selected.
Electric vehicle owners get 0 DKK deductible on damage to their charging cable, and (with qualifying home insurance) on their charging box.
Coverage limits
Own damage
Covered
No limit stated
Kasko covers damage to the policyholder's own car from traffic accidents, vandalism, theft and flooding; settlement is based on the car's value and no fixed sum insured or monetary cap is stated.
Section: Dækning
Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.
Total loss
Covered
No limit stated
Total-loss situations (theft or unrepairable damage) are covered under casco; the public product pages do not state a fixed compensation sum, and settlement details are set out in the full policy terms (vilkårsnr. 8815-1).
Kaskoforsikringen dækker skader på din bil ved fx uheld, tyveri og hærværk.
Partial loss / repair
Covered
No limit stated
Repairable damage to the insured car is covered; at a Topdanmark preferred workshop the insurer handles the practical arrangements, while at an independent workshop the policyholder handles this themselves and forgoes the extra services.
Din bilforsikring giver dig mulighed for at vælge et fordelsværksted nær dig. Her klarer vi alt det praktiske, og du får lånebil, rengøring, bilvask og udvidet garanti på reparationen.
Theft / robbery
Covered
No limit stated
Kasko covers theft of the insured vehicle; theft is not covered if the car's key was kept in or near the vehicle at the time of the theft.
Section: Hvad dækker bilforsikringen? > Kaskoforsikring > Dækker ikke
Tyveri, hvis nøglen var opbevaret i eller ved bilen
Glass damage
DKK 1.8K
Glass damage is covered under casco at the chosen deductible; with the optional Udvidet glasforsikring add-on, glass replacement carries a reduced deductible of DKK 1,781.
Section: Tilvalg: Gør din dækning endnu bedre > Udvidet glasforsikring
Lav selvrisiko på 1.781 kr. ved udskiftning af bilens glas.
Natural perils (flooding)
Covered
No limit stated
Kasko covers damage from flooding among the perils listed alongside traffic accidents, vandalism and theft.
Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.
Vandalism
Covered
No limit stated
Kasko covers damage caused by vandalism to the insured car.
Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.
Roadside assistance
Conditional
No limit stated
Domestic vejhjælp (with a one-hour help guarantee) and an 'extended' upgrade (wheel change, car wash, car check) are selectable paid add-ons; separately, international rescue cover across Europe is automatically included in casco for private cars up to 3,500 kg total weight, while heavier vehicles need the optional roadside-assistance add-on for cover abroad.
Bemærk: Du har automatisk vejhjælp i udlandet, hvis du har kaskoforsikring til din bil.
Replacement (loan) vehicle
Conditional
No limit stated
A loan car is provided free of charge when a Topdanmark preferred repair workshop is used for casco repairs, or if the car is stolen; otherwise, with roadside assistance cover, a loan car can be rented from 242 DKK/day.
Hvis du har kaskoforsikring til din bil, og du vælger et af vores fordelsværksteder, kan du få lånebil, rengøring, bilvask - og udvidet garanti på din reparation.
Driver accident insurance
Optional
No limit stated
A separate optional accident cover for the car's driver in the event of a traffic accident; it is not paid out if compensation is available from a liable third party, a liability insurer, or statutory workers' compensation.
En særlig ulykkesforsikring, der dækker bilens fører i en bilulykke. ... Hvis der er mulighed for at få erstatning fra en ansvarlig skadevolder, en ansvarsforsikring eller en lovpligtig arbejdsskadeforsikring.
Key conditions
Driver age and experience limit
Drivers under 24 years old face a significantly increased minimum deductible (reported by a market comparison source at around 9,500 DKK) on damage they cause, unless the optional 'Young Driver' add-on is purchased, which avoids the increased deductible and lets young drivers build their own no-claims seniority.
SourceHvis en person under 24 år kører bilen og laver en skade, opkræver Topdanmark normalt en forhøjet selvrisiko (ofte omkring 9.500 kr. i 2026-takst).
Repair network requirements
Policyholders may use any repair workshop, but choosing one of Topdanmark's preferred workshops ('fordelsværksteder') provides a free loan car, car wash, cleaning and an extended repair warranty, with the insurer handling the practical arrangements; using an independent workshop means the customer handles the practicalities themselves and forgoes the extra services.
SourceDu kan også bruge et andet værksted. Her står du selv for det praktiske og går glip af dine særlige services.
Anti-theft requirements
Theft cover under casco does not apply if the car's key was kept in or near the vehicle at the time of the theft.
SourceSection: Hvad dækker bilforsikringen? > Kaskoforsikring > Dækker ikke
Tyveri, hvis nøglen var opbevaret i eller ved bilen
Claim notification deadline
No specific notification deadline (number of days) is stated on the public product pages; the site notes that the current page is not a complete description and refers customers to the downloadable full policy terms for details.
SourceSiden her handler om den nyeste udgave af forsikringen. Det er ikke en fuldstændig beskrivelse. Hvis du vil vide i detaljer, hvad og hvordan forsikringen dækker, kan du hente de nyeste vilkår herunder.
Deductible rules
The policyholder freely chooses a deductible starting from 0 DKK. With the optional Udvidet glasforsikring add-on, glass replacement carries a reduced deductible of DKK 1,781.
SourceDu bestemmer selv din selvrisiko – fra bare 0 kr.
Direct payment
At Topdanmark's preferred repair workshops ('fordelsværksteder'), the insurer handles the practical arrangements for partial-damage casco repairs (loan car, cleaning, extended warranty); at independent workshops the policyholder handles the practicalities themselves and forgoes these extra services.
Territorial scope
Cover applies in Denmark; automatic international rescue/roadside cover is included across Europe for private cars up to 3,500 kg total weight when casco is selected, while heavier vehicles (e.g. motorhomes) need an optional roadside-assistance add-on for cover abroad.
Documents
Policy specifics
Spare parts in locked room
Coverage for spare parts stored in a locked room up to 20,000 DKK
SourceSection: Hvad dækker bilforsikringen? > Kaskoforsikring
Reservedele for op til 20.000 kr. i aflåst rum
Electric vehicle charging cable zero deductible
For electric vehicles: 0 DKK deductible on charging cable damage, provided casco coverage is selected
SourceSection: Strømlinet dækning til el- og hybridbiler
0 kr. i selvrisiko ved skade på ladekablet, der hører til din bil (forudsætter kaskoforsikring)
Electric vehicle charging box zero deductible
For electric vehicles: 0 DKK deductible on charging box damage (requires a qualifying home/contents insurance with Topdanmark that covers the damage)
SourceSection: Strømlinet dækning til el- og hybridbiler
0 kr. i selvrisiko ved skade på ladeboksen (forudsætter, at du har en hus-, fritidshus- eller indboforsikring i Topdanmark, som dækker skaden)
Loan car service
Free loan car when using a preferred repair workshop for casco repairs or if the car is stolen; otherwise a loan car can be rented from 242 DKK/day with roadside assistance cover
SourceSection: Typiske spørgsmål om kaskoforsikring > Kan jeg få en lånebil, når min bil har fået en skade?
Lånebilen koster 242 kr. pr. dag – antallet af døgn er ubegrænset, og der er ingen selvrisiko ved skade på bilen.
Repair handling method
At a Topdanmark preferred workshop the insurer handles the practical arrangements for the repair; at an independent workshop the policyholder handles the practicalities themselves and forgoes the extra services
SourceSection: Typiske spørgsmål om kaskoforsikring > Kan jeg frit vælge værksted?
Her klarer vi alt det praktiske, og du får lånebil, rengøring, bilvask og udvidet garanti på reparationen... Du kan også bruge et andet værksted. Her står du selv for det praktiske og går glip af dine særlige services.
Elevated deductible for drivers under 24 years
An independent comparison source reports a deductible of around 9,500 DKK typically applies when the driver is under 24 years old, unless the 'Young Driver' add-on is purchased
SourceMileage interval selection
Customers select a mileage interval matching their expected annual driving; the interval affects the price of the policy
SourceReduced deductible for glass replacement
The optional Udvidet glasforsikring add-on reduces the deductible for glass replacement (e.g. windscreen) to 1,781 DKK; without this add-on, the normal chosen casco deductible applies to glass damage.
SourceSection: Tilvalg: Gør din dækning endnu bedre > Udvidet glasforsikring
Lav selvrisiko på 1.781 kr. ved udskiftning af bilens glas.
Preferred repair workshop network
Customer can select from Topdanmark preferred repair workshops offering loan car, cleaning, and extended repair warranty at no extra cost
SourceSection: Fordelene er ikke ekstraudstyr i vores bilforsikring
vælger du et af vores fordelsværksteder, får du blandt andet lånebil, rengøring og udvidet garanti på tre år.
Extended roadside assistance
Optional extended roadside assistance tier includes wheel change, car wash, and car inspection in addition to standard roadside assistance
SourceSection: Vi hjælper dig godt videre – på vejen eller på værksted
Udvidet vejhjælp: Tilvalg til vejhjælp – giver dig bl.a. hjulskift, bilvask og biltjek med i dækningen.
Automatic roadside assistance abroad
Roadside/rescue assistance abroad is automatically included when casco coverage is selected for a private car
SourceSection: Vi hjælper dig godt videre – på vejen eller på værksted
Bemærk: Du har automatisk vejhjælp i udlandet, hvis du har kaskoforsikring til din bil.
Elite driver status achievement
Customer can achieve the lowest premium tier (elite status) within a maximum of three years, providing accelerated premium discounts
SourceSection: Fordelene er ikke ekstraudstyr i vores bilforsikring
Du kan blive elitebilist på højst tre år. Som elitebilist opnår du en lavere pris på din bilforsikring.
Sources
- billigste-bilforsikring.dkhttps://billigste-bilforsikring.dk/topdanmark/(opens in a new tab)
- topdanmark.dkhttps://www.topdanmark.dk/forsikringer/bilforsikring/(opens in a new tab)
- topdanmark.dkhttps://www.topdanmark.dk/forsikringer/elbilforsikring/(opens in a new tab)
- topdanmark.dkhttps://www.topdanmark.dk/forsikringer/kaskoforsikring/(opens in a new tab)
- topdanmark.dkhttps://www.topdanmark.dk/forsikringer/vejhjaelp-bil/(opens in a new tab)
Topdanmark Casco (own-damage car insurance)