Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden
Topdanmark
Topdanmark is a motor casco insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
At Topdanmark's preferred repair workshops ('fordelsværksteder'), partial-damage casco claims are settled directly between the insurer and the workshop; at independent workshops the policyholder may need to pay upfront and later claim reimbursement.
Geographic scope
Denmark
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.
Unique selling points
- Customers can choose a deductible starting from 0 DKK, one of the lowest thresholds on the Danish market.
- Any driver can reach the lowest 'elite driver' price tier within a maximum of three years, regardless of age.
- Choosing a preferred repair workshop gives a free loan car, car wash, cleaning and an extended 3-year repair warranty at no extra cost.
- International rescue insurance across Europe is automatically included in casco cover for private cars up to 3,500 kg.
- Electric vehicle owners get 0 DKK deductible on damage to their charging cable and (with home insurance) their charging box.
Coverage limits
Own damage
Covered
Kasko covers damage to the policyholder's own car from traffic accidents, vandalism, fire and flooding; settlement is based on the car's value and no fixed sum insured or monetary cap is stated.
Total loss
Covered
Total-loss claims are compensated in cash paid directly to the policyholder, based on the vehicle's market value at the time of loss; no fixed sum insured is stated.
Partial loss / repair
Covered
Repairable damage to the insured car is covered; when a Topdanmark preferred workshop is used, the insurer settles directly with the workshop.
Theft / robbery
Covered
Kasko covers theft of the insured vehicle; the samlino.dk overview notes theft is not covered if the car's keys were left inside the vehicle.
Glass damage
Covered
Repair of chips (e.g. stone chips) and replacement of the car's glass is covered under casco with a reduced deductible of 1,781 DKK for glass replacement; an optional 'extended glass insurance' add-on lowers the deductible further (0 DKK for repair, reduced for replacement).
Natural perils (flooding)
Covered
Kasko covers damage from flooding among the perils listed alongside traffic accidents and theft.
Roadside assistance
Optional
Domestic vejhjælp (with a one-hour help guarantee) and an 'extended' upgrade (wheel change, car wash, car check) are selectable 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.
Replacement (loan) vehicle
Conditional
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 a loan car can be rented via roadside assistance for 242 DKK/day, unlimited days, with no deductible on damage to the loan car.
Driver accident insurance
Optional
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, or when the car is used for commercial transport, rental or car-sharing.
Key conditions
Driver age and experience limit
Drivers under 24 years old face a significantly increased minimum deductible (reported at around 9,501 DKK) on liability/casco claims 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.
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 3-year repair warranty, plus direct settlement with the insurer; independent workshops may require the customer to pay upfront and seek reimbursement afterwards.
Territorial scope
Kasko cover applies in Denmark; international rescue/roadside assistance across Europe is automatically included for private cars up to 3,500 kg total weight, while heavier vehicles (e.g. motorhomes) need the optional roadside-assistance add-on for cover abroad.
Anti-theft requirements
The reviewed sources do not list specific anti-theft device requirements, but note that theft is not covered if the car's keys were left inside the vehicle at the time of the theft.
Claim notification deadline
No specific notification deadline (number of days) is stated on the public product pages; specific deadlines are set out in the full policy terms (vilkårsnr. 8815-1).
Deductible rules
The policyholder freely chooses a deductible starting from 0 DKK. The deductible is waived when an identified third party is liable for the damage, while damage from an unknown party (e.g. an unwitnessed parking scrape) requires payment of the chosen deductible. Glass replacement carries a reduced deductible of 1,781 DKK.
Policy specifics
Electric vehicle charging cable zero deductible
For electric vehicles: 0 DKK deductible on charging cable damage when casco coverage is selected
SourceElectric vehicle charging box zero deductible
For electric vehicles: 0 DKK deductible on charging box damage (requires separate home/contents insurance coverage)
SourceLoan car service
Access to loan vehicle services when using preferred repair workshops (free of charge), or at 242 DKK/day when using own workshop
SourceRepair settlement method
For partial damage claims (casco): Insurer settles directly with repair workshop. For total loss: cash compensation paid directly to policyholder
SourceDeductible waived with identified liable third party
Deductible is waived entirely when a third party is identified and deemed liable for the damage
SourceElevated deductible for drivers under 24 years
Minimum deductible of 9,501 DKK applies when the driver is under 24 years old
SourceMileage interval compliance
Selected annual mileage interval must match actual annual mileage; if actual mileage exceeds purchased interval, claim payments are reduced proportionally
SourceReduced deductible for glass replacement
A reduced deductible of 1,781 DKK applies when replacing the car's glass (e.g. windscreen), compared to the general casco deductible.
SourceAnimal collision deductible waiver
An optional add-on that waives the policyholder's casco deductible if damage occurs after hitting an animal.
SourcePreferred repair workshop network
Customer can select from Topdanmark preferred repair workshops offering loan car, car wash, cleaning, and extended 3-year repair warranty at no extra cost
SourceExtended roadside assistance
Optional extended roadside assistance tier includes wheel change, car wash, and car inspection in addition to standard roadside assistance
SourceAutomatic roadside assistance abroad
Roadside assistance in Denmark and Europe is automatically included when casco coverage is selected (rescue insurance abroad included for personal vehicles up to 3,500 kg total weight)
SourceElite driver status achievement
Customer can achieve lowest premium tier (elite status) within maximum three years regardless of age, providing accelerated premium discounts for all customers
Source