Vejle Brand Casco (own-damage car insurance) (Bilforsikring Privat Kasko)

Casco covers any damage to the insured car, including damage from collisions, and pays either repair (restoring the car to the condition it was in before the damage) or a cash settlement, subject to the exclusions in §26 (e.g. wear and tear, frost damage). Standard factory-fitted accessories are covered without limit; non-standard fitted accessories are capped at 19,700 kr (2026).

If the car is a total loss, Vejle Brand pays cash compensation equal to the price of an equivalent car of the same age and condition. For cars that were factory-new or near-new (max. 5,000 km) when the policy started, damaged within the first year, with repair costs exceeding 50% of current new value, Vejle Brand pays new-value compensation instead. New-value rules do not apply to leased cars.

Vejle Brand may have the car repaired to the condition it was in before the damage; betterment from replacing worn or corroded parts is paid by the policyholder, and any reduction in trade value is not compensated. If required parts or a necessary software update are not obtainable under normal conditions and at a normal price, Vejle Brand may settle in cash instead, based on the normal price of equivalent used parts or the normal update cost.

Casco covers theft of, and robbery involving, the insured car. Equipment not permanently fitted to the car is covered against theft only if it was kept in a locked building and evidence of forced entry can be established. If Vejle Brand requires anti-theft security to be fitted, cover for theft is conditional on that security having been engaged at the time of the theft.

Damage limited to the car's glass (windows, headlamp/mirror glass, sunroof, etc.) is covered as part of general casco cover, subject to the deductible stated in the policy. The optional Udvidet Glas (Extended Glass) rider removes the deductible for glass repairs and reduces the deductible for glass replacement caused by a glass claim, with no impact on the no-claims price scale.

Damage to the car from perils such as storm, lightning strike or flood is covered as part of the general 'any damage' casco cover; lightning strike is explicitly listed as a covered cause of damage to mechanical/electrical parts. Frost damage (frostsprængning) is explicitly excluded, as is weather-related wear such as scratches from windscreen wipers or corrosion.

Vandalism damage to the car is covered under general casco cover ('any damage'), and hærværk is explicitly listed among the causes that trigger cover for otherwise-excluded mechanical/electrical damage. Under the optional Udvidet Kasko rider, damage from serial vandalism (hærværk against two or more cars in the same incident, confirmed by the police) carries no deductible and no impact on the no-claims price scale.

With casco cover, the policy automatically includes rescue insurance abroad (via SOS-International's Red Card) for private cars and vans with a permitted total weight of up to 3.5 tonnes, except when the trip's purpose is goods transport. In Denmark, casco also pays for transporting the car to the nearest repairer and for collecting it after theft, when the damage is covered and the transport is necessary.

Not a courtesy car: this is the optional Bilafsavn rider, purchasable only together with casco, which pays a fixed daily cash amount (stated in the policy) for loss of use of the car when the damage is covered by casco. Maximum 14 days for repairs carried out in Denmark, maximum 4 weeks for theft (plus up to 14 further days' repair allowance if the car is recovered), and a flat 5 days with no waiting period for total loss. The first day is always an unpaid waiting period.