Bauta Forsikring, a brand of LB Forsikring A/S
Bauta Forsikring
Bauta Forsikring is a motor third-party liability insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Bauta maintains a network of preferred workshops ('fordelsværksteder') where repairs and, where applicable, a courtesy car can be arranged directly; policyholders remain free to choose another workshop but may lose certain enhanced claim benefits.
Geographic scope
Europe and non-European countries that participate in the green card scheme
The mandatory liability cover applies in Europe and in non-European countries that participate in the green card scheme. Special rules apply for roadside assistance and rescue abroad, which depend on optional casco/partial casco cover.
Unique selling points
- As a member-owned insurer under LB Forsikring, Bauta returns its annual profit surplus to policyholders through lower prices, bonuses, and better terms.
- Bauta's car insurance is tailored specifically to members of the health and education sectors, with product design reflecting the needs of these professional groups.
- A 24-hour Falck emergency roadside hotline is available for policyholders who have added the Vejhjælp cover.
- Policyholders who repair a comprehensive (kasko) claim at a preferred workshop can get a free courtesy car including 100 km per day, extending to a free 30-day rental car if the car is stolen or written off.
- Bauta is recognised for having some of the most loyal customers in the Danish market, reflected in strong EPSI customer satisfaction rankings.
Coverage limits
Bodily injury liability
Covered
No limit stated
Mandatory liability cover for bodily injury caused to third parties by the insured as owner, user or driver of the car; compensation in Denmark is calculated according to the amounts set by the Danish Road Traffic Act (færdselsloven), with no specific sum stated in the source.
Property damage liability
Covered
No limit stated
Mandatory liability cover for damage to third-party property caused by the insured car; compensation follows the amounts set by the Danish Road Traffic Act, with driving outside Denmark covered at least at Danish levels, no specific sum stated in the source.
Legal defence (Retshjælp)
DKK 225,000
Only in Kasko, Delkasko
Legal aid cover is included only when kasko or delkasko (partial casco) is purchased; it covers cases where the policyholder is party as owner, user or driver of the insured car, with a maximum cover of DKK 225,000 and a deductible of 10% (minimum DKK 2,500).
Green card
Covered
The mandatory liability insurance automatically satisfies the EU Motor Insurance Directive/green card requirement, giving valid third-party cover when driving in Europe and in non-European green card countries; the registration plate itself serves as proof within the EU.
Roadside assistance (Vejhjælp)
Optional
Only in Vejhjælp, Vejhjælp PLUS
Optional add-on providing help via Falck in case of breakdown, accident, or running out of fuel/charge; Vejhjælp covers Denmark and Europe up to the Urals (excluding Iceland, the Faroe Islands and Greenland), with a 24/7 Falck emergency number; Vejhjælp PLUS extends this with tyre change and workshop check services in Denmark.
Driver accident (Førerulykke)
Optional
Optional add-on compensating the driver of the insured car for personal injury from a sudden accident during driving, calculated according to the Danish Liability for Damages Act; excluded if compensation can be obtained from a liable third party or work injury insurance, or if the car was used commercially, rented out, or driven without a valid licence.
Passenger accident
No limit stated
The sources describe an optional 'Førerulykke' (driver accident) coverage only; no separate passenger accident coverage is mentioned in the PID or terms and conditions.
Key conditions
Territorial scope
The mandatory liability insurance applies in Europe and non-European countries participating in the green card scheme. Roadside assistance (Vejhjælp) covers Europe up to the Urals, excluding Iceland, the Faroe Islands and Greenland; Vejhjælp PLUS covers Denmark only; rescue abroad (red card) follows kasko/delkasko cover.
Green card rules
The green card requirement under the EU Motor Insurance Directive is automatically fulfilled by the mandatory liability insurance; if kasko or delkasko is also purchased, the car is additionally covered by the red-card rescue scheme abroad, coordinated with SOS International.
Driver restrictions
Anyone lawfully permitted to use the car is covered. The deductible is increased by DKK 3,000 if the car was lent to a driver under 25 at the time of the claim, and by an additional DKK 3,000 for 17-year-old drivers where legally permitted.
Claim notification deadline
Any damage must be reported to the insurer as soon as possible; theft, robbery and vandalism must also be reported to the police. Late or incomplete notification can affect the right to compensation.
Bonus-malus rules
The sources do not describe a traditional bonus-malus system; instead the insurer states that the premium itself does not rise because of a claim, though it may raise the deductible, cancel optional covers, or require loss-prevention measures after a claim.
Where to buy
Policy specifics
Extended glass damage coverage
Optional add-on that covers windscreen replacement by stone impact without deductible, in addition to basic kasko coverage
SourceParking damage coverage
Optional add-on that covers damage to parked vehicle caused by unknown third party with maximum damage amount up to 15,000 DKK
SourceDriver accident coverage
Optional add-on providing compensation to driver for permanent disability, loss of earning capacity, and lost income when at fault in traffic accident
SourceLeasing damage coverage
Mandatory component of hull (kasko) coverage for leased vehicles; covers damage discovered at lease vehicle return with fixed deductible
SourceExtra equipment coverage
Additional coverage for retrofitted and removed equipment; basic kasko covers up to 50,000 DKK, with optional supplement covering up to 200,000 DKK total
SourceApproved repair network
Insurer maintains network of approved workshops; policyholder may choose own workshop but loses enhanced claim rights, loan car provision, and service guarantees if alternative workshop selected
SourceGeographic coverage area
Insurance covers Europe and countries outside Europe that participate in the green card agreement; special rules apply for roadside assistance and foreign rescue coverage
SourceYoung driver surcharge
Elevated deductible of 3,000 DKK applies in addition to chosen deductible for 17-year-old drivers when permitted by law
SourceMandatory liability coverage
Legal third-party liability (ansvarsforsikring) is mandatory and included in all policies; covers insured's legal liability for bodily injury and property damage to third parties
Source