Codan
Codan is a motor third-party liability insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
Codan pays approved repair workshops directly for covered repairs; cash compensation is paid to the policyholder's NemKonto. For third-party liability claims, Codan settles directly with the injured party.
Geographic scope
DK
Danmark (ekskl. Grønland og Færøerne) og alle lande tilsluttet grøntkortordningen
Unique selling points
- Liability coverage of up to 136 million DKK for personal injury and 27 million DKK for property damage per event — significantly above the statutory minimum.
- Elitebilist status from day one for drivers aged 25+ with 3 claim-free years, delivering the lowest available rate immediately at policy start.
- Optional zero-deductible add-on (Selvrisikosikring) eliminates excess for parking damage, vandalism, animal strikes, and glass damage from the first day.
- 24/7 emergency helpline (33 55 55 55) and optional round-the-clock roadside assistance including towing to Codan partner workshops across Denmark.
- New-for-old vehicle replacement for factory-new cars under one year old when repair costs exceed 50% of new value, with no depreciation applied.
Coverage limits
Bodily Injury Liability
Covered
Covers liability for bodily injuries caused to third parties (including passengers) when the vehicle is used as a vehicle. In Denmark, coverage follows the amounts set by the Danish Road Traffic Act (færdselsloven), reported as 136 million DKK per event. In Green Card countries abroad, coverage meets the local minimum but at least the Danish amounts.
Property Damage Liability
Covered
Covers liability for property damage caused to third parties when the vehicle is used as a vehicle. In Denmark, coverage follows the amounts set by the Danish Road Traffic Act (færdselsloven), reported as 27 million DKK per event. In Green Card countries abroad, coverage meets the local minimum but at least the Danish amounts. Damage to the driver's own property, the policyholder's property, or an attached trailer is excluded.
Legal defence
Covered
Codan's policy terms (PDF) reference a maximum coverage sum per legal defence (retshjælp) case, but the specific DKK figure was not retrievable from available web sources. Danish market standard is typically 125,000–250,000 DKK per case per industry sources (fforsikring.dk), but no Codan-specific figure was confirmed.
Green Card (International Liability)
Covered
The policy provides the internationally recognised Green Card (international motor insurance certificate), which serves as proof of mandatory liability insurance when driving in countries that are members of the Green Card system. Coverage in each Green Card country meets the local statutory minimum, but always at least the Danish statutory amounts.
Roadside Assistance (Vejhjælp)
Optional
Available as an optional add-on (with or without trailer). Covers vehicles under 3,500 kg in Denmark only. Services include towing to the nearest Codan Fordelsværksted (partner workshop) or agreed garage, jump-start, tyre change, fuel delivery, door unlocking, recovery from ditch, and continuation of journey assistance. One assistance event per breakdown or accident. Available 24 hours a day by calling 33 55 44 66.
Driver Accident Cover (Førerplads)
Optional
Optional add-on (Førerplads) covering physical injuries to the driver of the vehicle resulting from a traffic accident in which no other motor vehicle is involved, as well as injuries during entry/exit. Compensation is calculated per the Danish Liability Act (Lov om erstatningsansvar). Excluded when the driver is at fault and another vehicle is involved (covered by third-party liability of the other vehicle), when the driver is intoxicated, or lacks a driving licence.
Passenger Accident (via Liability)
Covered
Passenger injuries are covered under the mandatory MTPL liability section. The liability cover includes personal injuries to the policyholder when not driving, and to all passengers, covered within the statutory liability limits set by the Danish Road Traffic Act. There is no separate passenger accident product; passenger bodily injury claims are paid as part of the third-party liability cover.
Key conditions
territorial_scope
The policy covers Denmark (excluding Greenland and the Faroe Islands) and all countries that are members of the Green Card system (as listed on codan.dk). Roadside assistance (Vejhjælp) covers Denmark only. Kasko and Delkasko cover international claims on the same terms as Denmark, provided the damage is not covered by another foreign insurance.
green_card_rules
The Green Card is the international proof of mandatory liability insurance. Coverage in each Green Card country is at least equivalent to the Danish statutory minimum amounts. The Red Card (det røde kort), issued via SOS International A/S, governs rescue insurance abroad for Kasko and Delkasko policyholders and is available via app or printout at codan.dk before travelling abroad.
driver_restrictions
The policy covers the policyholder and any person using the vehicle with the policyholder's permission. If the policy price is calculated based on a regular driver aged 26 or over and a driver under 26 causes a claim, an additional excess applies. Workshop employees driving the vehicle for repairs, service, or test drives in the policyholder's interest are also covered. Commercial goods transport and rental without a driver are excluded.
claim_notification_deadline
All claims must be reported to Codan immediately (straks). Theft, robbery, and vandalism must also be reported to the police immediately. Emergency assistance is available 24 hours a day by calling 33 55 55 55. Repair agreements and compensation settlements must be approved by Codan in advance, except for minor emergency repairs that cannot be delayed.
bonus_malus_rules
Codan does not operate a traditional bonus-malus (no-claims discount) system where prices automatically increase after a claim. However, pricing is continuously reviewed. Customers aged 25 or over with a minimum of 3 years of claim-free driving qualify for 'Elitebilist' status, granting a better price from the first day of coverage at the next policy anniversary. If a claim occurs, an additional year is added to the qualifying period. Certain claim types (e.g. roadside assistance claims, legal defence claims, windscreen chip repairs) do not count toward the Elitebilist qualification period.
Policy specifics
Elite Motorist Status
Special discount tier available for drivers 25+ years old with minimum 3 years of damage-free driving history
Delivery Kasko Coverage
Optional comprehensive coverage for leased vehicles that covers damages discovered after vehicle return/delivery
New Value Replacement for Young Cars
Replacement at new vehicle value (not depreciated value) for vehicles that were factory-new at purchase, up to 37 months old, with specific conditions for theft coverage
Roadside Assistance Coverage
24/7 roadside assistance available with and without trailer options; includes services like jump starts, tire changes, fuel delivery
Zero Deductible Insurance
Optional coverage that eliminates or reduces the customer's deductible obligation for specific damage types
Geographic Coverage Limitation
Liability coverage applies only in Denmark and Green Card countries; some additional coverages may have different geographic restrictions
Approved Repair Network
Insurance may guide or require use of approved repair workshops (Codan Fordelsværksteder) for certain claim situations
Liability Coverage Maximums
Liability insurance includes maximum coverage limits for personal injury and property damage claims
Annual Mileage Disclosure
Policyholder must accurately disclose estimated annual mileage; discrepancies can affect claim settlement or pricing
Loan Car Provision on Vehicle Return
For leased vehicles with delivery kasko coverage, coverage extends to rental vehicle damages if applicable