Bauta Forsikring Motor third-party liability (Bilforsikring Ansvar)

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.

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.

Section: 3. Ansvar > 3. Selvrisiko

Din selvrisiko bliver forhøjet med 3.000 kr., hvis bilen var udlånt til en fører under 25 år, da skaden skete.

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.

Section: 1. Vigtig viden > C. Om anmeldelse af skade

Enhver skade skal anmeldes til os hurtigst muligt. Du kan anmelde skaden på vores hjemmeside eller ringe til os.

Bonus-malus rules

The premium does not rise because of a claim, but after a claim Bauta may raise the deductible, cancel optional covers or require loss-prevention measures.

Section: 1. Vigtig viden > D. Om prisstigninger ved skader

Hvis du er uheldig at få en skade, stiger prisen for din bilforsikring ikke. Vi har dog mulighed for fx at pålægge dig forhøjet selvrisiko, opsige deldækninger eller stille krav om, at du efter en skade skal forebygge fremtidige skader.

Territorial scope

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.