Extracted from source documents

Codan Motor third-party liability (Ansvarsforsikring)

Underwritten by Codan · Denmark

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

Last verified Sep 1, 2026Sources

Online purchase24/7 helpline

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

Covered

Bodily Injury Liability

DKK 152M

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.

Section: Ansvarsforsikring på bil > Motoransvarsforsikring

Ansvarsforsikringen dækker pr. uheld personskader eller tab af forsørger op til 152 mio. kr. og tingskader op til 30 mio. kr (2026).

Covered

Property Damage Liability

DKK 30M

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.

Section: Ansvarsforsikring på bil > Motoransvarsforsikring

Ansvarsforsikringen dækker pr. uheld personskader eller tab af forsørger op til 152 mio. kr. og tingskader op til 30 mio. kr (2026).

Covered

Legal Defence / Litigation Costs

Covered

No limit stated

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.

Clause CPage 8

Section: C | Ansvar > 1 Ansvar > C. Forsikringssummer

Ud over erstatning til den, der har haft skaden, dækker vi omkostninger til erstatningssagen og eventuelle renter af erstatningsbeløbet. Vi dækker disse udgifter, selvom det betyder, at forsikringssummen bliver overskredet.

Covered

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.

Clause Art. 3Page 8

Section: Ansvar > 3 Forsikringssummer

I de lande hvor det grønne kort* gælder (se Fællesbestemmelser), dækker vi ansvaret med de summer, der gælder i landene - dog mindst med de summer, der gælder i Danmark*.

Optional

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.

Clause Art. 1Page 18

Section: Vejhjælp – uden påhængsvogn > 1 Hvor dækker forsikringen?

Uanset Fællesbestemmelser punkt 3 dækker forsikringen kun i Danmark*.

Optional

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.

Clause APage 30

Section: F | Førerplads > 1 Førerplads > A. Hvad dækker vi?

Vi dækker ved eneulykker, hvor føreren ikke kan få erstatning fra en ansvarlig skadevolder, en ansvarsforsikring, en arbejdsskadeforsikring eller lignende forsikring eller ordning.

Covered

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.

Clause Art. 1Page 8

Section: Ansvar > 1 Vi dækker

personskader på dig selv, når du ikke er fører af bilen

Key conditions

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

If you drive without claims, you automatically move down to a cheaper price tier each year until you reach the cheapest tier; once on the cheapest tier you stay there even if you have a claim. If you have a claim while on another tier you normally stay on it for an extra year, except for certain claim types (e.g. Friskade, a windscreen stone-chip that can be repaired without replacement, Parkeringsskade, Påkørsel af dyr and some other listed cases), which do not delay moving to a cheaper tier.

SourceClause 7Page 40

Section: H | Fællesbestemmelser > 7. Konsekvens ved skade

Hvis du kører skadefrit, rykker du løbende automatisk til et billigere pristrin, indtil du når vores billigste trin.

Territorial scope

The policy covers Denmark and the countries party to the Green Card scheme, as listed on codan.dk.

Documents

Terms and Conditions for Codan Car Insurance (opens in a new tab)

Terms & conditions · PDF

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 requirements but at least the Danish statutory amounts.

SourceClause Art. 3Page 8

Section: Ansvar > 3 Forsikringssummer

I de lande hvor det grønne kort* gælder (se Fællesbestemmelser), dækker vi ansvaret med de summer, der gælder i landene - dog mindst med de summer, der gælder i Danmark*.

Immediate Claim Notification

All claims must be reported to Codan immediately (straks). Failure to comply may impact claim eligibility or settlement.

SourceClause Art. 5.2Page 3

Section: Fællesbestemmelser > 5 Hvis du får en skade > 5.2 Anmeld skaden til Codan

Du skal straks anmelde alle former for skader til os.

Third-Party Direct Settlement

For third-party liability claims, Codan settles directly with the injured party rather than reimbursing the policyholder.

Source

Passenger 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.

SourceClause Art. 1Page 8

Section: Ansvar > 1 Vi dækker

personskader på dig selv, når du ikke er fører af bilen

Driver 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.

SourceClause Art. 6.4Page 4

Section: Fællesbestemmelser > 6 Selvrisiko > 6.4 Selvrisiko hvis føreren er under 26 år

Hvis prisen for din forsikring er beregnet ud fra, at den faste bruger* er 26 år eller derover, og der sker en skade med en fører, som er under 26 år, skal du betale den selvrisiko, der står i policen.

Covered 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.

SourceClause Art. 2Page 3

Section: Fællesbestemmelser > 2 Hvem er dækket?

Du og enhver som med din tilladelse bruger bilen. Værksteder og andre der har bilen til reparation, service og lignende. Skader under kørsel er dog kun dækket, hvis kørslen sker i din interesse, fx prøvekørsel.

Sources

Codan Motor third-party liability

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