Alm. Brand Motor third-party liability (Bilforsikring Ansvar)

Get a 15% discount when you calculate and buy your car insurance online.

The premium is fixed and does not automatically increase after a single claim.

'Friskade' claims (fire, lightning, explosion, theft, robbery, serial vandalism) with Kasko cover cost no deductible and do not push you up a price step.

The 'Ung Fører' feature lets resident children build up no-claims seniority on their parents' policy and avoids the standard under-25 Kasko deductible surcharge.

Driver restrictions

The minimum Kasko deductible of 6,324 DKK (2019 index) for drivers under 25 applies only when Kasko cover is added to the policy; it does not apply to this liability-only policy. The optional 'Ung Fører' feature's deductible benefit is likewise tied to Kasko cover.

Section: 1 Fællesbestemmelser > 1.10 Selvrisiko > Særlige forhold omkring selvrisiko

I skadetilfælde, hvor føreren ikke er fyldt 25 år, beregnes – uanset forsikringens normale selvrisiko – minimum 6.324 kr. (2019-indeks) i selvrisiko ved kaskoskader.

Claim notification deadline

All claims must be reported to Alm. Brand as soon as possible via almbrand.dk/anmeldskade or by phone on 35 47 35 00; theft, robbery and vandalism must also be reported to the police immediately.

Bonus-malus rules

The premium is fixed and does not automatically rise after a claim, though Alm. Brand may review whether the price matches the risk. Claim-free drivers move down one price step each year until reaching the cheapest 'elite' step, where they remain even after a claim. On other steps, a claim keeps the driver on the same step for one extra year, except for 'friskade' events (fire, lightning, explosion, theft, robbery, serial vandalism or falling objects with Kasko cover), glass-only claims under Extended Glass cover, damage occurring at a workshop/dealer that is itself insured on the policy, damage after a change of ownership, or damage caused by a known, liable third party.

Territorial scope

Covers Europe and non-European countries participating in the international Green Card motor insurance scheme; if kørsel abroad is covered by another policy, this cover applies only subsidiarily.