Coop Forsikringer
Coop Forsikringer is a motor third-party liability insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
For non-total-loss claims, Coop Forsikringer fra Topdanmark settles directly with the repair workshop. The customer only receives a direct cash payment in the event of a total loss. Liability claims are settled directly between Coop Forsikringer fra Topdanmark and the third party's workshop or insurer.
Geographic scope
DK
All EU countries and countries outside the EU that are members of the Green Card scheme. Liability covers at minimum the sums set by Danish law (færdselsloven). Casco covers the same territory.
Unique selling points
- Roadside assistance with a 1-hour arrival guarantee in Denmark – if help arrives late, the full year's roadside assistance premium is refunded.
- Earn 1% monthly Coop member bonus on premiums, plus 5% extra claim-free bonus and a welcome bonus when taking out the policy.
- Pay-per-kilometre pricing: the annual mileage reading adjusts the premium automatically, so customers only pay for what they actually drive.
- Elite driver status attainable in as little as 3 years regardless of age, granting a permanently lower car insurance premium.
- Young household members can earn up to 4 years of no-claims seniority under the 'Ung bilist' add-on, which transfers to their own future policy within Coop Forsikringer.
Coverage limits
Bodily injury liability
Covered
The mandatory third-party liability insurance covers personal injury (bodily injury or loss of breadwinner) up to the amounts set by the Danish Road Traffic Act (færdselsloven), currently DKK 50,000,000 per event. Coverage applies in Denmark and, at a minimum with Danish statutory sums, in all EU countries and Green Card member countries abroad.
Property damage liability
Covered
The mandatory third-party liability insurance covers property damage up to the amounts set by the Danish Road Traffic Act (færdselsloven), currently DKK 10,000,000 per event. Coverage applies in Denmark and in all EU and Green Card countries, at a minimum with Danish statutory sums. Property belonging to the driver, fixed user, policyholder, their spouse/partner, or companies wholly or partly owned by them is excluded.
Legal defence (Retshjælp)
Conditional
Legal defence insurance is included in the Delkasko and Kasko tiers. It covers the insured's legal costs (sagsomkostninger) for certain private civil disputes where the insured is a party as owner, user or driver of the insured vehicle, provided the dispute is not connected to the insured's profession. Specific sums and excess are stated in the separate retshjælp terms. Legal defence is not part of the standalone MTPL (Ansvar-only) tier.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card is included as standard with the mandatory liability insurance. It serves as proof of mandatory third-party liability coverage when driving in EU member states and other countries that are part of the Green Card scheme. The policy covers at a minimum the statutory sums of each respective country, but at least the sums set by the Danish Road Traffic Act.
Roadside assistance (Vejhjælp)
Optional
Roadside assistance is an optional add-on (tillæg til ansvar). In Denmark it covers: vehicle assistance, door unlocking, passenger transport, patient transport, loan car subsidy, trailer assistance, and psychological crisis help – with a 1-hour arrival guarantee (premium refunded if breached). European roadside assistance (Vejhjælp Europa) covers: vehicle assistance, door unlocking, patient transport, and trailer help in all EU and Green Card countries. Automatic roadside assistance abroad is included when comprehensive (kasko) cover is selected.
Driver accident insurance (Førerulykke)
Optional
Optional add-on (tillæg til ansvar). Covers the driver of the insured vehicle when there is no possibility of obtaining compensation from a liable party, a liability insurer, or a mandatory workers' compensation insurer. Covers: up to DKK 688,000 (2024) for invalidity (reduced from age 68); DKK 521,000 (2024) for death if the deceased leaves a spouse (reduced if aged 68 or over); DKK 20,744 (2024) per year per child left behind until age 18; DKK 24,812 (2024) for funeral expenses.
Passenger accident / liability for passengers
Covered
Passenger injuries are covered under the mandatory third-party liability insurance (Ansvar), which covers the policyholder's liability for damage caused to passengers in the insured vehicle. There is no separate passenger accident benefit; injured passengers claim through the liability coverage. The driver accident add-on (Førerulykke) does not cover passengers.
Key conditions
territorial_scope
The mandatory liability (MTPL) insurance covers all EU countries and countries outside the EU that are members of the Green Card scheme. Coverage applies with the sums applicable in each respective country, at a minimum with the sums set by the Danish Road Traffic Act (færdselsloven). Comprehensive (casco) insurance also covers all EU and Green Card countries. Roadside assistance in Denmark covers mainland Denmark (excluding Faroe Islands and Greenland) and the E65 transit route between Malmø and Ystad and 25 km south of the Danish-German border.
green_card_rules
The Green Card is included with the liability insurance and serves as proof of mandatory third-party liability cover when driving abroad in EU and Green Card scheme countries. The policy covers at a minimum the statutory sums of each respective country, but never less than the amounts set by the Danish Road Traffic Act. Coverage abroad only applies if there is no special insurance for driving abroad in place.
driver_restrictions
The insurance covers any lawful user of the vehicle. A special excess of at least DKK 7,700 (2024) applies to both liability and casco claims when the driver is under 24 years of age at the time of the loss (excluding glass damage, certain no-fault liability incidents, and if the driver is the policyholder, spouse or partner). This excess does not apply to company cars where the driver is an employee driving in the course of employment. The excess is waived if the optional 'Ung bilist' (young driver) add-on has been purchased.
claim_notification_deadline
A claim must be notified to Coop Forsikringer fra Topdanmark as soon as possible ('hurtigst muligt'). Theft, robbery, and serial vandalism must also be reported to the police as soon as possible. Repairs may only be carried out after agreement with the insurer. Glass damage without a liable third party does not need to be reported; the workshop notifies the insurer automatically. Roadside assistance and rescue abroad claims must be reported to Topdanmark's alarm centre.
bonus_malus_rules
The price is partly determined by seniority (anciennitet) reflecting claim-free driving experience. A maximum of 4 years of seniority can be earned. Seniority can be transferred when changing insurer in some cases, and can be carried forward to a new vehicle if it is insured with Coop Forsikringer fra Topdanmark. Customers can achieve 'elite driver' (elitebilist) status in as little as 3 years, which provides a lower premium. A 5% extra bonus is earned if no claims are made on the car, home, contents or accident insurance in a full year. Atypical claim frequency may lead to price increases, added conditions, suspension of covers, or policy termination.
Policy specifics
Young driver coverage
Optional coverage specifically for young drivers under 24 years old, reducing excess liability for young household members
Parking damage coverage
Optional coverage that covers the excess when the car is damaged while parked without an identified responsible party
Extended glass coverage
Optional coverage with reduced excess for glass damage repair and no excess for glass replacement
Leasing car return coverage
Optional coverage covering minor damages when returning a leased vehicle
Electric vehicle charging cable coverage
Zero excess for damage to charging cable on electric vehicles (when comprehensive coverage is selected)
Electric vehicle charging box coverage
Zero excess for damage to home charging box on electric vehicles (requires home insurance coverage)
Spare parts coverage in locked compartment
Coverage for spare parts up to 20,000 DKK stored in a locked compartment
Recommended workshop network
Customer can choose Coop Forsikringer fra Topdanmark's recommended workshops to receive additional benefits
Roadside assistance
Optional roadside assistance available in Denmark and Europe with 1-hour guarantee
No excess for certain damage types
Zero excess applies when damage is caused by fire, lightning strike, explosion, theft, robbery, malicious damage, or falling objects
Increased excess for young drivers
Minimum 9,501 DKK additional excess when drivers under 24 years cause damage
Direct settlement with repair workshop
For non-total-loss claims, Coop Forsikringer fra Topdanmark settles directly with the repair workshop rather than paying the customer
Third-party liability settled directly
Liability claims are settled directly between Coop Forsikringer fra Topdanmark and third party's workshop or insurer
Insurance seniority discount
Price reduces as customer accumulates driving experience and insurance history with Coop Forsikringer fra Topdanmark
Elite driver status discount
Customer can achieve elite driver status in as little as 3 years regardless of age