Aros Forsikring - Gensidigt Forsikringsselskab

Territorial scope

Cover applies in Denmark and in countries where the Green Card scheme applies; if a separate frontier insurance for driving abroad exists, this policy only covers what the other insurance does not.

Green card rules

All insurers providing compulsory motor liability cover in Denmark must be members of DFIM (Dansk Forening for International Motorkøretøjsforsikring). If the compulsory liability insurance lapses, this is reported to DFIM, which can impose a fee of DKK 250 per day for an uninsured motor vehicle; a new policy cannot be taken out until the fee is paid.

Driver restrictions

Cover includes the policyholder and anyone using the car with the policyholder's permission or as its driver. Other regular/authorised users must be listed on the vehicle's registration certificate and on the insurance policy; incorrect information about the actual user can reduce or void the right to compensation.

Claim notification deadline

Any damage must be reported to the insurer immediately, as delay can affect the compensation available. Robbery, theft or vandalism must also be reported immediately to the police. The insurer is entitled to reject comprehensive (kasko) claims not reported within 14 days of the date of loss.

Bonus-malus rules

The policy has 2 premium tiers (trin 1 and trin 2); both tiers are treated as 'elite driver' status, and no adjustment of the premium tier is made as a result of claims.

Kilometer-based pricing

Unique AROS feature allowing customers to pay only for kilometers actually driven. Customers select a kilometer interval matching their expected annual usage.

Free workshop selection

Policyholders can freely choose any workshop for repairs. Alternatively, AROS partner workshops offer loan cars and convenience services.

Friskade optional coverage with zero deductible

Optional add-on to comprehensive coverage providing zero deductible on specified accidental damages (collision, theft, weather-related damage, animal strikes)

Aros Autohjælp Plus roadside assistance

Optional roadside assistance covering Denmark and Europe (excluding Faroe Islands and Greenland) for vehicles under 3,500 kg. Includes towing, parts replacement, and electric vehicle charging assistance.

Extended glass damage coverage

Optional coverage for vehicle glass, mirrors, and lights with low deductible of 1,200 DKK. Partner glass repair companies (Carglass, Dansk Bilglas) coordinate repairs.

Vacation loan car coverage

Optional add-on providing loan car if insured vehicle is damaged less than 40 days before scheduled foreign vacation and cannot be repaired before travel.

Deductible payment installment plan

Policyholders can split deductible payment into installments over 2, 4, 6, or maximum 8 months, with no interest or fees, provided each installment is minimum 250 DKK.

Selectable deductible range

Customers can select deductible between 1,500 DKK and 9,500 DKK for comprehensive (kasko) coverage based on risk tolerance and budget.

Dual-channel claims reporting

Claims can be reported 24/7 via online platform (Mit Aros) or business hours phone line (8734 5099, weekdays 8-16). Emergency roadside assistance via separate SOS line (7010 8090).

Vehicle rental restriction

Insured vehicle must not be rented/leased to third parties. If rental occurs, insurer has right to require reimbursement of any damages incurred.

Permitted vehicle users definition

Coverage extends to: (1) policyholder, (2) any person with policyholder permission to use vehicle, and (3) registered users on vehicle registration documents. All users must be registered on insurance policy.