Extracted from source documents

Vestjylland Forsikring Casco (own-damage car insurance) (Personbil Kasko Trinreguleret)

Underwritten by Vestjylland Forsikring · Denmark

casco (own-damage car insurance) from Vestjylland Forsikring for the Denmark market.

Verified Sep 1, 2026 · Terms dated 2023-01-01Sources

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Key facts

Vestjylland Forsikring

Unique selling points

Unlimited mileage: the premium stays the same no matter how far you drive.

A fixed, low kasko deductible that does not increase automatically after a claim.

Free emergency rescue assistance abroad (Rødt Kort/SOS International) included with kasko for vehicles up to 3,500 kg.

Factory-standard fitted equipment is covered without any value limit under kasko.

Children aged 17-25 can build up no-claims seniority under a parent's policy for use on their own future car insurance.

Coverage limits

Covered

Own damage (kasko cover)

Covered

Kasko covers any damage to the insured vehicle (including hybrid/EV battery, charging cables and owned/rented charging boxes) except the listed exclusions such as gradual wear, mechanical breakdown not caused by fire/collision/theft, or driving under the influence. Settlement is by repair or a cash payment equal to the market value of a comparable vehicle.

Clause 7.3.2Page 4

Section: B. Ansvars- og kaskoforsikring > 7 Kaskoforsikring

Kaskoforsikringen dækker bortset fra de under pkt. 7.4 anførte tilfælde enhver skade på det forsikrede køretøj samt tab af køretøj ved tyveri eller røveri.

Covered

Total loss settlement

Covered

If a kasko claim is so severe the vehicle is declared a total loss, or if a stolen vehicle is not found within 28 days, cash compensation equal to the market value of a comparable vehicle is paid and the damaged vehicle passes to the insurer. For private cars, if the damage occurs within the first year after first registration and the car was factory-new at inception, and repair costs would exceed 50% of the new value, the owner is entitled to a brand-new replacement vehicle instead.

Clause 25.2Page 10

Section: D. I tilfælde af skade > 25 Skadeopgørelse ved kaskoforsikring > 25.2 Kontant erstatning

Afgøres skaden ved kontant erstatning, eller findes køretøjet ved tyveri eller røveri ikke inden 28 dage efter, at selskabet har modtaget skadeanmeldelse, ansættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling

Covered

Partial damage / repair

Covered

The vehicle is repaired to the condition it was in before the damage. The insurer is entitled to designate the repairer. Extra costs of repairs carried out outside normal working hours and any resulting reduction in the vehicle's trade value are not covered, and betterment from replacing worn or corroded parts is paid by the policyholder.

Clause 25.1Page 9

Section: D. I tilfælde af skade > 25 Skadeopgørelse ved kaskoforsikring > 25.1 Reparation

Køretøjet skal ved reparation sættes i samme stand som før skaden. Selskabet er berettiget til at anvise en reparatør. Forøgede udgifter ved reparation foretaget udenfor normal arbejdstid samt eventuel forringelse af køretøjets handelsværdi som følge af reparation erstattes ikke.

Covered

Theft and robbery

Covered

Kasko covers loss of the vehicle by theft or robbery. If the vehicle is not recovered within 28 days after the company received the claim notification, the claim is cash-settled at the market value of a comparable vehicle and the vehicle (if later found) belongs to the insurer.

Clause 7.3.2Page 4

Section: B. Ansvars- og kaskoforsikring > 7 Kaskoforsikring

Kaskoforsikringen dækker bortset fra de under pkt. 7.4 anførte tilfælde enhver skade på det forsikrede køretøj samt tab af køretøj ved tyveri eller røveri.

Covered

Glass damage

Covered

Glass damage is already covered under base kasko as part of 'any damage' to the vehicle. Repair (not replacement) of stone-chip damage to glass carries no deductible. The optional 'Glas- og friskade' add-on does not add new scope but removes or reduces the deductible that would otherwise apply when glass is replaced.

Clause 17.1.6Page 8

Section: C. Forhold under forsikringens løbetid > 17 Selvrisiko > 17.1 Skader uden selvrisiko

ved reparation (ikke udskiftning) af køretøjets glas ved stenslag.

Covered

Natural perils

Covered

Sudden natural damage (e.g. falling objects, fire, lightning) is covered under kasko's general 'any damage' cover. Damage from earthquakes and other natural catastrophes, war, civil unrest and NBCR/nuclear events is excluded unless it can be shown the damage was not caused directly or indirectly by these events, and gradual weather-related deterioration (corrosion, rust, frost damage) is excluded as ordinary wear and tear.

Clause 3Page 2

Section: A. Forsikringens omfang > 3 Forsikringen dækker ikke

Forsikringen dækker ikke skade eller ansvar for skade opstået under jordskælv eller andre naturkatastrofer, krig oprør og borgerlige uroligheder, NBCR-terrorskader (terrorhandlinger hvor der anvendes nukleare, biologiske, kemiske eller radioaktive våben), eller udløsning af atomenergi, med mindre det kan godtgøres, at skaden hverken direkte eller indirekte skyldes de anførte forhold.

Covered

Vandalism

Covered

Vandalism is covered under kasko's general 'any damage' cover. With the optional Friskade add-on, the deductible is removed or reduced for serial vandalism.

Clause 9.2.1Page 5

Section: B. Ansvars- og kaskoforsikring > 9 Friskader > 9.2 Ved friskader forstås

skader ved brand, eksplosion, seriehærværk, kortslutning, lynnedslag, tyveri, røveri og nedstyrtende genstande på køretøjet.

Covered

Roadside assistance / rescue abroad

Covered

When kasko is taken out, emergency rescue assistance abroad is included via the Rødt Kort (red card)/SOS International scheme for vehicles up to 3,500 kg total weight, per the insurer's separate rescue-abroad terms. This foreign cover, including rescue, may be changed or cancelled by the company with 14 days' notice. Domestic roadside assistance ('Autohjælp') for everyday breakdowns in Denmark is a separate, optional paid add-on, not included by default.

Clause 14Page 6

Section: B. Ansvars- og kaskoforsikring > 14 Redningsforsikring i udlandet

Forsikringen dækker alene, hvis kaskoforsikring er tegnet. Redningsforsikring ydes iht. forsikringsvilkårene for redningsforsikring i udlandet (Rødt kort – ordningen).

Optional

Loss of use compensation (Bilafsavn)

DKK 397

Optional add-on (applies only if shown on the policy) paying a fixed daily cash indemnity of 397 DKK (2023 index) for each day the car cannot be used due to theft/robbery (up to 28 days total) or total loss (up to 10 days total), rather than providing a substitute vehicle.

Clause 10.2.1Page 5

Section: B. Ansvars- og kaskoforsikring > 10 Bilafsavnsforsikring > 10.2 Erstatningsberegning

Erstatningen udgør 397 kr. (indeks 2023) pr. dag, bilen er forsvundet, samt for hver dag, der ifølge taksators opgørelse medgår til reparation efter bilens tilvejekomst eller efter kontanterstatning er aftalt.

Optional

Driver accident cover (Førerpladsdækning)

Optional

Optional add-on covering injury to the driver in a single-vehicle accident, including sick pay, compensation for permanent injury, loss of earning capacity and lost wages.

Section: Læs mere om tilvalg til din kaskoforsikring > Førerpladsdækning

Førerpladsdækningen dækker i situationer, hvor du kommer til skade i et solouheld. Dækningen omfatter bl.a. godtgørelse for de dage, hvor du er sygemeldt som følge af ulykken, godtgørelse for varige mén som følge af ulykken, varigt tab af erhvervsevne og tabt arbejdsfortjeneste.

Key conditions

Driver age and experience limit

The reviewed terms set no minimum driver age or driving-experience requirement for kasko cover. Children of the policyholder aged 17-25 (living at home or away) can accrue one year of no-claims seniority for each year they hold a valid licence and drive claim-free, which can later be used to obtain lower rates on their own policy with Vestjylland Forsikring.

Repair network requirements

The insurer is entitled to designate the repairer used for kasko claims. Extra costs from repairs carried out outside normal working hours and any resulting loss in the vehicle's trade value are not covered, and any betterment from replacing worn or corroded parts is paid by the policyholder.

Anti-theft requirements

No specific anti-theft device or security requirement is stated in the reviewed terms. If the vehicle itself is stolen, the policyholder must, in addition to notifying the insurer, report it to the police immediately.

Claim notification deadline

Damage or an incident that may lead to a claim must be reported to the insurer immediately, with as complete information as possible. Theft of the vehicle itself must also be reported to the police immediately. A stolen vehicle not recovered within 28 days of the insurer receiving the claim notification is cash-settled.

Deductible rules

The deductible is stated on the policy and is index-linked together with the premium; current kasko deductible figures cited by the insurer range from approximately 3,853 to 3,976 DKK depending on the specific quote/vehicle, and this deductible does not increase after a claim. Liability cover carries a zero deductible. No deductible applies to repair (not replacement) of stone-chip glass damage, to damage caused while the vehicle was with a repairer/dealer covered by the policy, or to claims covered solely by the foreign rescue cover. The optional friskade add-on removes or reduces the deductible for other listed perils (fire, theft, robbery, serial vandalism, animal collision, parking damage by an unknown party, rodent damage).

Direct payment

The insurer may either have the vehicle repaired or settle the claim with a cash payment. Cash settlements reflect the market value of a comparable vehicle of the same age and condition; if the vehicle is under one year old and repair costs exceed 50% of its new value, the owner is entitled to a brand-new replacement of the same make, type and model year.

Territorial scope

Covers Europe and countries outside Europe that participate in the green card scheme. Foreign cover, including rescue assistance abroad, may be changed or cancelled by the insurer with 14 days' notice without affecting the rest of the policy.

Documents

Terms and conditions for private car insurance (M10T, effective 01.01.23) (opens in a new tab)

Terms & conditions · PDF

Car insurance IPID (product information document) (opens in a new tab)

Product information sheet · PDF

Overview page for product information (IPID) documents (opens in a new tab)

Policy specifics

Casco insurance (comprehensive coverage)

Covers damage to the insured vehicle from collision, single-vehicle accidents, theft, vandalism and other sudden damages

Source

Section: Ansvar og kasko > Kaskoforsikring – dækker skader på din bil

Kaskoforsikringen hos Vestjylland Forsikring har en fast lav selvrisiko, som ikke stiger efter en skade.

Liability insurance (mandatory)

Mandatory coverage for damage to third parties (persons, vehicles, property) caused by the insured vehicle in traffic accidents

Source

Section: Ansvar og kasko > Ansvarsforsikring – den er lovpligtig

Bilens ansvarsforsikring dækker skader på andre personer eller andres biler, som du er ansvarlig for som bilist.

Glass and fresh damage coverage (optional)

Optional coverage for glass damage and minor damage from stone chips to windshield and other glass

Source

Section: Læs mere om tilvalg til din kaskoforsikring > Glas- og friskade

Tilvælger du dækningen glas- og friskade til kaskoforsikringen, har du ingen selvrisiko, hvis din bil bliver udsat for brand, hvis den bliver stjålet, hvis den bliver ramt af nedstyrtende genstande, eller hvis den bliver udsat for seriehærværk, hvor flere biler bliver beskadiget på samme tid.

Parking damage coverage (optional)

Optional coverage for damage to parked vehicle

Source

Section: Det får du med vores bilforsikring

Friskade (glas, påkørsel af dyr, p-skader) Ingen selvrisiko ved brand, tyveri, nedstyrtende genstande, seriehærværk og påkørsel af dyr. Nedsat selvrisiko på udskiftning af glas og på parkeringsskader

Driver accident coverage (optional)

Optional coverage for driver injuries in single-vehicle accidents, including sick leave, permanent disability, lost earnings

Source

Section: Læs mere om tilvalg til din kaskoforsikring > Førerpladsdækning

Førerpladsdækningen dækker i situationer, hvor du kommer til skade i et solouheld. Dækningen omfatter bl.a. godtgørelse for de dage, hvor du er sygemeldt som følge af ulykken, godtgørelse for varige mén som følge af ulykken, varigt tab af erhvervsevne og tabt arbejdsfortjeneste.

Lease return insurance (optional for leased vehicles)

Optional insurance for leased vehicles covering multiple minor damages discovered at lease return

SourceClause 12.3Page 6

Section: B. Ansvars- og kaskoforsikring > 12 Afleveringsforsikring, - leasing > 12.3 Kaskoskader konstateret efter endt leasingperiode

Forsikringen dækker skader der er omfattet af bilens kaskoforsikring og som konstateres ved aflevering af bilen efter endt leasingperiode.

Glass and fresh-damage cover (deductible waiver add-on)

Optional add-on that does not add new coverage scope but removes or reduces the deductible on perils already covered under kasko: fire, explosion, serial vandalism, short-circuit, lightning, theft, robbery, falling objects, glass damage, animal collision, parking damage by an unknown party (incl. shopping trolleys/car doors), rodent damage, and damage from fuel tank/system cleaning after mis-fuelling.

SourceClause 9.2Page 5

Section: B. Ansvars- og kaskoforsikring > 9 Friskader > 9.2 Ved friskader forstås

skader ved brand, eksplosion, seriehærværk, kortslutning, lynnedslag, tyveri, røveri og nedstyrtende genstande på køretøjet.

Domestic roadside assistance (Autohjælp, optional add-on)

Optional additional cover providing roadside assistance in Denmark if the vehicle cannot continue driving due to breakdown, flat tyre or accident. Separate from the foreign rescue cover included with kasko.

Source

Section: Læs mere om tilvalg til din kaskoforsikring > Autohjælp

Tilvælger du autohjælp til din bilforsikring, er du og din bil hjulpet godt videre, hvis du kommer ud for et uheld. Du kan som udgangspunkt få assistance i forbindelse med almindelig kørsel, hvor du ikke kan køre videre ved egen hjælp.

Legal expense insurance (Retshjælpsforsikring)

Covers the policyholder's legal costs in private disputes where they are a party as owner or user of the insured vehicle. Only applies if kasko is taken out.

SourceClause 13.1Page 6

Section: B. Ansvars- og kaskoforsikring > 13 Retshjælpsforsikring

Forsikringen dækker forsikredes udgifter til sagsomkostninger i private tvister, hvor forsikrede er part i sin egenskab af ejer eller bruger af det forsikrede køretøj

Unlimited mileage

Premium is fixed regardless of annual mileage. No mileage-based price increase.

Source

Section: Bilforsikring, der er med dig hele vejen

Du har fri kilometer og kan køre så langt du vil, uden at prisen stiger.

Fixed deductible that does not increase after claims

Deductible remains fixed even after a claim. No automatic premium increase after damage.

Source

Section: Bilforsikring, der er med dig hele vejen

Du får også en fast lav selvrisiko på kasko – også efter en skade.

Seniority accumulation for children

Children living away from home (17-25 years old) can accumulate driving seniority as part of parents' car insurance if they have valid driving license and claim-free driving

SourceClause 11.1Page 5

Section: B. Ansvars- og kaskoforsikring > 11 Ungedækning

For hvert år med kørekort, kan ude og hjemmeboende børn af forsikringstager, der er mellem 17 og 25 år optjene anciennitet

Geographic coverage and territorial scope

Covers Europe and countries outside Europe covered by green card scheme.

Source

Section: Mest stillede spørgsmål > Hvordan er jeg dækket, hvis jeg kører i udlandet?

Hvis du kører i EU (og lande der er med i grønt-kort-ordningen ) dækker ansvarsforsikringen på samme måde som i Danmark.

Sources

Vestjylland Forsikring Casco (own-damage car insurance)

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