ABCforsikring Motor third-party liability (Ansvarsforsikring Standard)
Underwritten by ABCforsikring · Denmark
motor third-party liability insurance from ABCforsikring for the Denmark market, with online purchase.
Verified Sep 1, 2026 · Terms dated 2021Sources
Unique selling points
Unlimited mileage with no reduced compensation or higher deductible if actual driving exceeds the declared expectation.
Deductible automatically declines by 1,000 DKK per claim-free year from 5,000 DKK down to a minimum of 3,000 DKK, or a fixed 2,500 DKK option for drivers 30+.
Optional Førerplads driver protection compensates the driver in solo accidents as if a liable third party had been involved.
Optional glass cover repairs with zero deductible and replacement at only 1,500 DKK, plus roadside assistance with up to 3 free call-outs a year.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal expenses cover (retshjælp)
Conditional
A legal-expenses clause appears in the kasko (comprehensive) section of ABC's car T&C, with an excess of 3,900 DKK per legal instance; it is not confirmed as part of the standalone third-party liability (ansvar-only) cover and appears to activate only if comprehensive (kasko) cover is also purchased. The insured coverage sum itself is not stated in the reviewed excerpt.
Green Card (international liability proof)
Covered
ABC's liability cover is valid throughout EU/EEA countries with a valid Danish registration plate as proof of insurance; a printed green card is no longer required within the EU/EEA since 1 July 2020 but is still required for some countries outside the EU (e.g. Kosovo), and can be printed on white or green paper.
Roadside assistance
Optional
No limit stated
Optional roadside assistance via SOS DAH Dansk Autohjælp, offering up to 3 assistance calls annually, normally without any deductible, covering situations such as engine failure, flat battery, and puncture.
Driver protection (Førerplads)
Optional
No limit stated
Optional 'Førerplads' cover protects the driver in solo accidents (no third party involved), compensating the driver as if a liable counterparty had been involved, under the Liability for Damages Act.
Passenger accident/injury cover
Covered
No limit stated
Passengers in the car are normally covered for personal injury under the liability (ansvar) cover if there is a liable counterparty; the driver alone is not covered this way unless the optional Førerplads is purchased.
Key conditions
Driver restrictions
Drivers under 24 years of age are subject to double deductible from the second claim within a 3-year period; drivers aged 30 or older may instead opt for a fixed deductible of 2,500 DKK.
Claim notification deadline
Claims can be pre-reported immediately via the ABCforsikring app, with photos and documentation submitted electronically; claims can also be reported by phone or email to the service/claims centre.
Bonus-malus rules
ABC does not automatically increase the premium after a claim (fixed premium); instead, the standard deductible of 5,000 DKK falls by 1,000 DKK per claim-free year down to a minimum of 3,000 DKK, unless the policyholder is 30+ and has chosen the fixed 2,500 DKK deductible option.
Territorial scope
Covers liability claims in Denmark and, as proof via the Green Card, in countries participating in the Green Card scheme; a physical green card is no longer required within the EU/EEA but is still required in some non-EU countries such as Kosovo.
Documents
Policy specifics
Unlimited mileage
ABC car liability insurance includes unlimited mileage with no restrictions on annual driving distance.
SourceSource no longer reachableDeclining deductible
ABC's car liability insurance includes automatic annual reduction of deductible for claim-free years, reaching minimum of 3,000 DKK.
SourceSource no longer reachableDriver protection (Førerplads)
Optional driver protection coverage that covers the policyholder in solo accidents under the Liability Act, similar to third-party liability.
SourceSource no longer reachableGlass damage coverage
Optional extended glass coverage with zero deductible for glass repairs and 1,500 DKK deductible for glass replacement.
SourceSource no longer reachableParking damage coverage
Optional coverage for damage to the insured vehicle while parked, available as add-on to car liability insurance.
SourceSource no longer reachableFixed premium after claim
Car liability insurance premium does not automatically increase upon filing a claim, remaining fixed for the policy period.
SourceSection: Alt du skal vide om ABC bilforsikring > Fordele ved ABC Forsikring
Prisen stiger ikke ved skade
Approved workshop network
ABC partners with preferred workshop network (Lak- & KarrosseriKæden Danmark and Bilkabuler.dk) for repair services.
SourceGreen Card (EU/EEA coverage)
Car liability insurance covers liability throughout EU/EEA countries with valid Danish registration plate as proof of insurance.
SourceDigital claims process
ABC primarily handles claims reporting digitally via website and mobile app, with phone and email options also available.
SourceDeductible options for age 30+
Policyholders aged 30+ can opt for fixed deductible of 2,500 DKK (instead of declining deductible) that remains constant throughout policy period.
SourceSource no longer reachableTraining driving coverage
Car liability insurance covers training driving (glatføre-, manøvre-, skolekørsel) on approved areas with qualified instructors.
SourceSource no longer reachableSources
- abcforsikring.dkhttps://abcforsikring.dk/artikler/bilforsikring/(opens in a new tab)Source no longer reachable
- abcforsikring.dkhttps://abcforsikring.dk/fakta-og-vilkar/(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/skadeanmeldelser/(opens in a new tab)
- samlino.dkhttps://www.samlino.dk/bilforsikring/udbydere/abc-forsikring(opens in a new tab)
ABCforsikring Motor third-party liability