Codan Forsikring A/S
Codan
Codan is a motor third-party liability insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
For liability claims, agreements on compensation claims and repairs must be approved by Codan in advance; minor repairs may be carried out immediately only if the trip cannot be postponed and it would be illegal to continue driving without the repair.
Geographic scope
Denmark (excluding Greenland and the Faroe Islands) and Green Card member countries
The policy covers Denmark and the countries party to the Green Card scheme, as listed on codan.dk.
Unique selling points
- Reach top-tier 'Elitebilist' pricing from day one if you are 25+ and have three years of claim-free driving.
- Optional zero-deductible (0 kr. selvrisiko) add-on available on the policy.
- Up to 15% multi-policy discount when bundling several Codan insurances.
- 24-hour roadside assistance available as part of the car insurance offering.
- Coverage can be tailored ('Tilpassede dækninger') to the individual driver's needs via an online price calculator.
Coverage limits
Bodily Injury Liability
DKK 152,000,000
Covers third-party bodily injury liability arising from use of the car, up to the sums fixed by the Danish Road Traffic Act (Færdselsloven); these sums are indexed every 1 January but the exact DKK figure is not stated in the terms document.
Property Damage Liability
DKK 30,000,000
Covers third-party property damage liability arising from use of the car, up to the sums fixed by the Danish Road Traffic Act (Færdselsloven); the exact DKK figure is not stated in the terms document.
Legal Defence / Litigation Costs
DKK 175,000
Covers the costs of a compensation lawsuit arising from a liability claim, but such expenses must always be agreed with Codan in advance; no fixed ceiling is stated for this cost cover under the Ansvar section.
Green Card
Covered
International Green Card serving as proof of mandatory liability insurance when driving in Green Card member countries; Codan covers liability at the sums applicable in that country, but at least at the sums applicable in Denmark.
Roadside Assistance
Optional
Roadside assistance (towing, jump-start, tyre change, fuel delivery, lock-out service, ditch recovery and onward-journey costs) for cars under 3,500 kg; applies in Denmark only, with one call-out per breakdown or accident.
Driver Accident Cover (Førerplads)
Optional
Optional cover for the driver's own bodily injuries in accidents where no other motor vehicle is involved, including injuries while getting in or out of the car; the mandatory liability section explicitly excludes injuries to the driver.
Passenger Bodily Injury
Covered
No limit stated
Bodily injuries to passengers, including the policyholder when not driving, are covered under the mandatory liability section up to the statutory sums fixed by the Danish Road Traffic Act; there is no separate passenger-accident product.
Key conditions
Territorial scope
The policy covers Denmark (excluding Greenland and the Faroe Islands) and all countries party to the Green Card scheme, as listed on codan.dk.
Green card rules
In Green Card countries, Codan covers liability at the sums applicable in that country, but at least the sums applicable in Denmark.
Driver restrictions
Coverage extends to the policyholder and anyone using the car with permission, plus workshop staff driving it for repair, service or test purposes in the policyholder's interest; a young-driver excess applies if a driver under 26 causes damage while the policy is rated for a regular user aged 26 or over.
Claim notification deadline
All claims must be reported to Codan immediately ('straks'); theft, robbery and vandalism must also be reported immediately to the police.
Bonus-malus rules
Policyholders become 'Elitebilist' once they turn 25 and have driven claim-free for at least three years, after which the price no longer rises due to claims; certain claim types (e.g. no-fault liability claims, red-card rescue claims, claims reported via roadside assistance) do not delay reaching Elitebilist status.
Documents
Terms and Conditions for Codan Car Insurance
Terms & conditions
Policy specifics
Green Card Coverage
International motor insurance certificate providing proof of mandatory liability insurance when driving in Green Card member countries. Coverage meets local minimum requirements but at least Danish statutory amounts (27 million DKK per event).
SourceLegal Defense Coverage
Optional add-on covering legal expenses for certain private disputes. Coverage includes legal assistance and court costs but must be agreed upon with Codan in advance.
SourceRed Card Rescue Insurance
Rescue insurance for international claims on Kasko and Delkasko (comprehensive/partial coverage) policies, issued via SOS International A/S. Proof of coverage available via app or printout.
SourceImmediate Claim Notification
All claims must be reported to Codan immediately (straks). Failure to comply may impact claim eligibility or settlement.
SourceThird-Party Direct Settlement
For third-party liability claims, Codan settles directly with the injured party rather than reimbursing the policyholder.
SourcePassenger Injury Coverage
Passenger bodily injuries (including the driver when not driving) are covered under mandatory MTPL liability section within statutory limits of the Danish Road Traffic Act. No separate passenger accident insurance product exists.
SourceDriver Age Excess
If the policy is priced for a regular driver aged 26+ but a driver under 26 causes a claim, an additional excess/deductible applies to that claim.
SourceCovered Persons
Coverage includes the policyholder, any person using the vehicle with permission, and workshop employees driving for repairs/service/test drives in the policyholder's interest. Commercial transport and rental without driver excluded.
Source