Insurance Joint Stock Company Alka (Forsikrings-Aktieselskabet Alka)
Alka
Alka is a motor third-party liability insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
Customers can freely choose any repair workshop; using one of Alka's partner workshops (free workshop choice benefit) unlocks additional perks such as a courtesy/loan car while the vehicle is repaired.
Geographic scope
Denmark (nationwide)
Denmark and countries participating in the Green Card scheme; liability coverage and indemnity amounts follow the rules of the country where the accident occurs.
Unique selling points
- Alka's car insurance is recommended by the Danish Consumer Council (Forbrugerrådet Tænk) and rated 'Best in Test' when bundled with other Alka policies.
- Customers who buy their car insurance online at alka.dk automatically receive a shopping gift card of between 500 and 3,000 DKK.
- With comprehensive (kasko) cover, customers are automatically included in 'Alka Vejhjælp Europa' roadside/rescue assistance abroad at no extra charge.
- As a customer, you also become a member of TryghedsGruppen, giving access to an annual cash bonus.
- There is no requirement to bundle multiple policies with Alka in order to purchase standalone car insurance.
Coverage limits
Bodily Injury Liability
DKK 121,000,000
The mandatory liability insurance covers up to a maximum of 121 million DKK for personal injury caused by the insured car, as stated in Alka's product fact sheet (IPID).
Property Damage Liability
Covered
No limit stated
The liability insurance covers damage to other people's property and vehicles caused by use of the insured car, with the insurance paying compensation amounts fixed by the Danish Road Traffic Act (færdselsloven). No specific maximum sum for property damage under the PE-07 terms was found in the reviewed sources.
Legal Aid (Retshjælp)
DKK 250,000
Legal aid cover pays up to 250,000 DKK; this cover is stated in Alka's car insurance fact sheet and is typically attached to the comprehensive (kasko) part of the policy rather than the standalone liability-only policy.
Green Card / Cross-border Liability Cover
Covered
The liability insurance also covers accidents outside Denmark in countries affiliated with the Green Card scheme, with cover and indemnity sums following the rules of the country where the accident occurs.
Alka Roadside Assistance
Optional
No limit stated
Alka Vejhjælp is an optional add-on providing 24-hour roadside assistance for breakdowns, including start help, towing, and transport of driver and passengers if the car cannot continue.
Driver Accident / Protection Insurance
Optional
No limit stated
Førerforsikring is an optional add-on covering personal injury to the driver of the insured car in accidents where compensation cannot be obtained from a liable third party or another liability insurance, e.g. single-vehicle accidents.
Passenger Accident Cover
Covered
Personal injuries to passengers in the insured car caused by a traffic accident are covered under the mandatory liability insurance.
Key conditions
Territorial scope
Liability insurance is valid in Denmark and in countries affiliated with the Green Card scheme; cover and indemnity sums follow the rules applicable in the country where the accident occurs.
Green card rules
When driving abroad in Green Card countries, the liability cover follows the local rules and compensation sums of that country rather than the Danish sums.
Driver restrictions
If the insured car is lent to a driver under 26 years of age and that driver causes an accident, an additional deductible surcharge of 5,000 DKK is added on top of the normal deductible.
Claim notification deadline
No specific claim-notification deadline (number of days) for the liability cover was stated in the reviewed Alka documents; customers are generally advised to report damage as soon as possible via Mit Alka or by phone.
Bonus-malus rules
The premium is adjusted according to a bonus/no-claims premium-step system based on claims history; per Alka's own information there is typically no premium increase after a first claim, while further claims can raise the premium.
Where to buy
Policy specifics
Liability Insurance
Mandatory legal liability coverage that covers damages the insured car causes to others or their property
SourceComprehensive Insurance
Optional coverage protecting the insured vehicle against damages from accidents, theft, fire, and other perils
SourceFresh Damage Coverage (Glass & Wear)
Optional add-on covering glass repairs from stone damage and value depreciation after claims without deductible
SourceDriver Protection Insurance
Optional coverage protecting the driver of the vehicle in case of solo accidents
SourceAlka Roadside Assistance
24/7 roadside assistance service available for vehicle breakdowns and mechanical failures
SourceExtended Parking & Vandalism Coverage
Optional coverage removing deductible for parking-related damages and vandalism
SourceMileage-Based Pricing
Premium varies based on declared annual mileage; lower mileage results in lower premiums
SourceBonus Premium System
Five-tier premium system (tiers 0-4, with tier 4 being cheapest) that adjusts based on claims history
SourceYouth Driver Deductible Surcharge
Additional 5,000 DKK deductible surcharge if vehicle is loaned to driver under 26 years and an accident occurs
SourceLeasing Vehicle Damage Coverage
Comprehensive insurance covers damages detected during leasing company inspection when leased vehicle is returned
SourceElectric Vehicle Battery Coverage
Battery covered under comprehensive insurance for electric and hybrid vehicles in accidents, fire, short circuit, and theft
SourceRepair Workshop Choice
With free repair shop choice, customer can select any repair workshop; alternative is to use Alka's partner workshops for loan vehicle benefits
Source