Pending review

Aros Forsikring Motor third-party liability (Bil Og Elbilforsikring Ansvarsforsikring)

Underwritten by Aros Forsikring · Denmark

motor third-party liability insurance from Aros Forsikring for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2025-06Sources

Online purchase24/7 helpline

Unique selling points

Unique kilometer-interval pricing lets customers pay only for the annual mileage they actually expect to drive.

Selectable deductible from DKK 1,500 up to DKK 9,500, letting customers tailor the policy to their risk appetite and budget.

Aros is a customer-owned mutual insurer with no shareholders to pay dividends to.

Claims can be reported around the clock through the Mit Aros online platform, with a dedicated business-hours phone line for follow-up.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Conditional

Legal expenses insurance

DKK 250K

Legal expenses cover applies only if comprehensive (kasko) cover is also taken out. It covers costs of certain private legal disputes up to a maximum of DKK 250,000, with a deductible of 10% (minimum DKK 2,500); no deductible applies if the policyholder meets the financial conditions for free legal aid. General legal advice is not covered.

Clause Pkt. 26.4Page 17

Section: 26. Retshjælpsforsikring > 26.4 Erstatning

Forsikringen dækker med højest kr. 250.000, og der er en selvrisiko på 10 %, dog mindst kr. 2.500. Hvis du opfylder de økonomiske betingelser for at få fri proces, opkræver vi ikke selvrisiko.

Covered

Green Card cover

Covered

No limit stated

The policy provides cover in Denmark and in the countries where the Green Card scheme applies, i.e. the compulsory liability cover extends to driving abroad within Green Card member states. No separate monetary limit for the green card itself is stated.

Clause Pkt. 2.1Page 1

Section: 2. Hvor dækker forsikringen

Forsikringen dækker i Danmark og i de lande hvor grønt-kort-ordningen er gældende.

Optional

Roadside assistance (Aros Autohjælp Plus)

Optional

No limit stated

Roadside assistance is an optional add-on (Aros Autohjælp Plus, provided via SOS Dansk Autohjælp), available only if selected and shown on the policy; it is not part of the base liability (MTPL) cover. It covers Denmark and Europe (excluding the Faroe Islands and Greenland) for vehicles up to 3,500 kg, including towing, start help, tyre change, fuel supply, lock-out assistance and hotel accommodation if repair cannot be completed the same day.

Clause Pkt. 32.1Page 23

Section: 32. Aros Autohjælp Plus > 32.1 Dækningsområde

Aros Autohjælp PLUS er gældende i Danmark og Europa (med undtagelse af Færøerne og Grønland), for biler under 3.500 kg. tilladt totalvægt (total teknisk vægt).

Covered

Driver accident insurance

DKK 500K – DKK 1M

Driver accident insurance is included in the base policy and applies only if the driver cannot obtain compensation from a liability, occupational injury, criminal injuries, accident or other insurance/scheme. It covers personal injury to the car's driver caused directly by a driving accident involving the insured car as the only motor vehicle involved. The death benefit is DKK 500,000 and the disability (invaliditet) benefit is up to DKK 1,000,000, payable in proportion to the assessed degree of permanent injury (payable from 5% permanent injury and up).

Clause Pkt. 28.6Page 20

Section: 28. Førerulykkesforsikring > 28.6 Hvordan dækker forsikringen

Forsikringssum ved død udgør 500.000 kr. Forsikringssum ved invaliditet udgør 1.000.000 kr.

Excluded

Passenger accident insurance

Excluded

The policy's accident cover applies exclusively to the car's driver ('Førerulykkesforsikringen dækker alene bilens fører'); no separate accident benefit for passengers is provided.

Clause Pkt. 1.6Page 1

Section: 1. Hvem omfatter forsikringen

Førerulykkesforsikringen dækker alene bilens fører, forudsat at denne er i lovlig besiddelse af bilen, jf. pkt. 28.

Key conditions

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.

SourceClause Pkt. 1.1-1.2Page 1

Section: 1. Hvem omfatter forsikringen

Forsikringen omfatter forsikringstageren og enhver, der med forsikringstagerens tilladelse benytter bilen, lader det benytte eller er fører af den. Alle andre, der må betragtes som rette bruger af køretøjet, skal stå på registreringsattesten og fremgå af forsikringspolicen.

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.

SourceClause Pkt. 15Page 9

Section: 15. Hvis skaden sker

Enhver skade skal straks anmeldes til os. Hvis du ikke gør det, kan det få betydning for den erstatning, du kan få. Røveri, tyveri eller hærværk skal tillige straks anmeldes til politiet. Aftaler om reparation eller erstatningskrav kan ikke indgås uden vores accept. Hvis røveri, tyveri eller hærværk sker i udlandet, skal anmeldelse tillige ske til det lokale politi på stedet. Husk at få en kvittering for anmeldelsen. Du kan dog på egen hånd udføre mindre reparationer, såfremt det ville være ulovligt eller uforsvarligt at køre videre med bilen, og kørslen ikke kan udsættes. Vi er berettiget til at afvise kaskoskader, der ikke er anmeldt til os, senest 14 dage efter skadedatoen.

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.

SourceClause Pkt. 16Page 9

Section: 16. Hvordan reguleres præmietrin

Forsikringen har 2 præmietrin – trin 1 og 2. Begge præmietrin betragtes som elitebilist. Der foretages ikke regulering ved skader.

Territorial scope

The insurance covers Denmark and the countries where the Green Card scheme applies. If a separate frontier/border insurance has been taken out for driving abroad, this policy only covers to the extent the other insurance does not.

Documents

Aros Bil- og Elbilforsikring Terms and Conditions M14-02 (June 2025) (opens in a new tab)

Terms & conditions · PDF

IPID - Aros Car Insurance M14-01 (opens in a new tab)

Product information sheet · PDF

Policy specifics

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.

Source

Section: Din bilforsikring giver dig en lang række fordele

Betal kun for det antal kilometer, du kører .. og vælg det kilometerinterval, der passer til dig.

Free workshop selection

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

Source

Section: Din bilforsikring giver dig en lang række fordele

Frit værkstedsvalg ved kaskoskade .. så du selv kan vælge dit lokale værksted. Fri lånebil ved fordelsværksted .. og få din egen bil støvsuget og vasket ved kaskoskade.

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.

Source

Section: Hvad indeholder din Aros Autohjælp Plus-forsikring?

Aros Autohjælp Plus dækker i Danmark og Europa (med undtagelse af Færøerne og Grønland) for køretøjer under 3.500 kg.

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.

Source

Section: Hvad indeholder din bilforsikring? > Vælg tilvalgsforsikringer efter dine behov:

Hos Aros Forsikring tilbyder vi en unik udvidet glasskadeforsikring, som dækker dit køretøjs ruder, spejlglas eller lygteglas. Vi tilbyder en lav selvrisiko på 1.200 kr. Vi samarbejder med Carglass , som kan kontaktes på 4520 4012 og Dansk Bilglas på 7011 5555 .

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.

Source

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.

Source

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).

Source

Section: Brug af din bilforsikring

Anmeld skaden til os via Mit Aros døgnet rundt eller pr. telefon på 8734 5099 mellem kl. 8.00 og 16.00 på hverdage. Hvis du akut har brug for hjælp i forbindelse med en skade på din bil, skal du kontakte SOS Dansk Autohjælp på tlf. 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.

SourcePage 11

Section: Bil- og Elbilforsikringen > Regres ved udlejning

Bilen må ikke udlejes. Sker det alligevel, er vi berettiget til at kræve udgiften til skaden refunderet af dig.

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.

SourceClause Pkt. 1.1-1.2Page 1

Section: 1. Hvem omfatter forsikringen

Forsikringen omfatter forsikringstageren og enhver, der med forsikringstagerens tilladelse benytter bilen, lader det benytte eller er fører af den.

Sources

Aros Forsikring Motor third-party liability

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