Alm. Brand
Alm. Brand is a motor third-party liability insurance for the DK market with online purchase and limited assistance availability.
Direct payment
Alm. Brand pays damages directly to the repair shop; the policyholder is responsible for paying the deductible to Alm. Brand when applicable.
Geographic scope
DK
Europa og lande uden for Europa der er med i grønt-kort-ordningen
Unique selling points
- Price does not automatically increase after a claim — instead you simply stay on the same pricing tier for one additional year, and once you reach the elite tier you remain there permanently even after a claim.
- No deductible is charged on friskade events (fire, lightning, explosion, theft, robbery, serial vandalism, or falling objects on the vehicle) when kasko is held — protecting pricing tier and deductible simultaneously.
- The Ung Fører add-on lets resident children listed on the policy accumulate insurance seniority on the parent's car, transferable when they take out their own Alm. Brand policy, and waives the elevated under-25 deductible.
- New-car replacement compensation (nyværdierstatning) is provided within the first year after first registration if repair costs exceed 50% of the vehicle's new value — one of the most favourable new-car replacement thresholds in the Danish market.
- A 15% discount is available when purchasing the insurance online, and the policy can be cancelled at any time with 30 days' notice to end of a calendar month (with a fee), giving consumers full flexibility.
Coverage limits
Third-party bodily injury liability
Covered
Covers the insured's liability for bodily injury caused to third parties when using the vehicle, in accordance with the sums stipulated by the Danish Road Traffic Act. Costs of the compensation case and interest on the compensation amount are covered even if the sum insured is exceeded.
SourceThird-party property damage liability
Covered
Covers the insured's liability for damage to third-party property and vehicles caused when using the vehicle, in accordance with the sums stipulated by the Danish Road Traffic Act. Costs of the compensation case and interest are covered even if the sum insured is exceeded.
SourceLegal defence (Retshjælpsforsikring)
Conditional
Covers civil litigation costs before courts or arbitration tribunals related to motor vehicle use. The insurer's liability is limited to DKK 225,000 per insured event. This coverage is conditional on the policy including kasko or delkasko insurance.
SourceGreen Card / International coverage
Covered
The insurance covers in Europe and in countries outside Europe that are members of the Green Card scheme. In Green Card countries, coverage follows those countries' laws, at minimum with the sums applicable for driving in Denmark.
SourceRoadside assistance (Alm. Brand Vejhjælp)
Optional
Optional add-on covering vehicle breakdown assistance (jump start, tyre change, towing) and passenger transport to the nearest train or bus stop and onward to the planned destination in Denmark. Covers all of Denmark except Greenland and the Faroe Islands, and Europe under special terms. No deductible unless stated in the policy.
SourceDriver accident
—
Førerulykkesforsikring is an optional add-on (tilvalgsdækning); the coverage sum (dækningssum) is policy-specific, stated in the individual police, and index-regulated annually per 1 January. No universal fixed maximum sum is published.
Passenger accident insurance
Excluded
There is no standalone passenger accident coverage under this MTPL product. Passenger bodily injury caused by the insured driver is covered under the third-party liability (bodily injury liability) component, but passengers are not independently insured for accident benefits.
SourceKey conditions
territorial_scope
The insurance covers in Europe and in countries outside Europe that are members of the Green Card scheme. Roadside assistance (Vejhjælp) covers all of Denmark except Greenland and the Faroe Islands, and the rest of Europe under special terms (section 15.3). In Green Card countries, the minimum coverage is the sum applicable for driving in Denmark.
green_card_rules
In countries where the Green Card scheme or another international agreement applies, the insurance covers according to those countries' laws, but at minimum with the sums applicable for driving in Denmark. In other countries, the insurance also covers with the Danish sums (section 2.3). The list of Green Card countries is available at almbrand.dk/groentkort.
driver_restrictions
The insurance covers the policyholder and any person driving the vehicle with the policyholder's permission. A minimum deductible of DKK 6,324 (2019-index) applies for kasko claims where the driver is under 25 years old, unless the policyholder is a business and the driver is an employee or owner. Motor racing, track days, and private rental are excluded (sections 1.3.1–1.3.2).
claim_notification_deadline
All claims must be reported to Alm. Brand as soon as possible. Theft, robbery, and vandalism must also be reported to the police immediately. Minor repairs may be started if it would be unlawful or irresponsible to continue driving without them, but Alm. Brand's consent is required before any agreement on compensation or repair is made (section 1.5).
bonus_malus_rules
The insurance has a fixed price tier system. If driving claim-free, the policyholder automatically moves to a cheaper tier each year until reaching the cheapest tier (elite). After a claim, the policyholder remains on the current tier for one additional year instead of advancing. Policyholders on the elite tier stay there even after a claim. Certain claim types do not trigger a tier hold (friskade): fire, lightning, explosion, theft, robbery, serial vandalism, or objects falling on the car, provided kasko is held (section 1.9).
Policy specifics
Third-party liability insurance
Mandatory coverage covering damage to third-party persons and property
Full comprehensive insurance
Optional coverage covering damage to insured vehicle from accidents, theft, fire, vandalism
Partial comprehensive insurance
Optional coverage covering only fire and theft damage to the vehicle
Driver accident coverage
Optional coverage for permanent disability or death from single-vehicle accidents
Roadside assistance
Optional coverage for vehicle breakdown assistance and passenger transport
Extended glass insurance
Optional coverage for vehicle glass repair without deductible
Parking damage coverage
Optional coverage with no deductible for minor parking damages from unknown third parties
Animal collision coverage
Optional coverage with no deductible when colliding with animals
Rental car coverage
Optional coverage providing rental car while insured vehicle is being repaired
Legal assistance
Optional coverage for legal expenses in motor vehicle liability disputes
Foreign rescue coverage
Optional coverage for vehicle rescue and repatriation when driving abroad
Deductible
Amount policyholder must pay towards repair costs before insurance reimburses
Bonus-malus system
Premium reduction for accident-free driving; additional year on same tier if claim made
Mechanical damage coverage
Optional coverage for mechanical and electronic failures (excluding wear and tear)
Claim-free bonus
Premium reduction when claim arises from specific covered events without own fault
Young driver age restrictions
Premium surcharges or coverage restrictions may apply to drivers under 25 years old
Vehicle age restrictions
Certain coverage may expire based on vehicle age or mileage
Geographic coverage area
Coverage in Denmark and specified European territories; restrictions in Greenland and Faroe Islands