Pending review

Coop Forsikringer Motor third-party liability (Bilforsikring Ansvarsforsikring)

Underwritten by Coop Forsikringer fra Topdanmark - en del af If Skadeforsikring, filial af If Skadeförsäkring AB (publ), Sverige · Denmark

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

Verified Sep 1, 2026 · Terms dated 2025-07-01Sources

Online purchase24/7 helpline

Unique selling points

New customers get a 250 kr. welcome bonus when buying most insurance products, including car insurance, online.

Roadside assistance can be added with an hour guarantee - if help does not arrive within an hour, you get your money back for a year of roadside assistance.

Annual kilometer-based price adjustment ensures you don't pay for mileage you didn't drive.

Coverage applies regardless of car type, including electric and hybrid vehicles.

As a Coop member you earn a monthly member bonus that can be spent across Coop's stores.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Covered

Legal defence insurance

Covered

No limit stated

The car insurance also includes a legal expenses (retshjælp) insurance; the exact cover sum is not stated in the reviewed excerpt of the terms.

Source no longer reachableClause 6.1.1Page 19

Section: Personbil, vare- og lastvogne > 6. Retshjælpsforsikring

Dækningen indgår, hvis forsikringen omfatter kaskoforsikring […] 6.1.1 Omkostninger i forbindelse med visse civile retstvister, hvor sikrede er part i sin egenskab af ejer, fører eller bruger af den forsikrede bil. De fuldstændige vilkår for denne forsikring kan rekvireres hos forsikringsselskabet.

Green Card

No limit stated

Not explicitly documented in the reviewed Coop sources.

Source no longer reachable
Optional

Roadside assistance

Optional

Roadside assistance can be added as an optional cover with an hour guarantee - if help does not arrive within an hour, you can get your money back for a year of roadside assistance; covers roadside assistance throughout Europe.

Source no longer reachable

Section: Tilvalgsdækninger > Vejhjælp

Hurtig hjælp, hvis uheldet er ude. Læs mere om Vejhjælp .

Covered

Driver accident insurance

DKK 688K

Covers the driver of the insured car in case of an accident, with up to 688,000 kr. (2024) in case of disability (reduced from age 68) and 521,000 kr. (2024) in case of death if the deceased leaves a spouse (reduced if the deceased was 68 or older); always included in the car insurance package together with liability and casco.

Source no longer reachable

Passenger accident insurance

No limit stated

Not documented as a separate cover line in the reviewed Coop sources; passenger injuries caused by the insured car are addressed under the general liability cover.

Source no longer reachable

Key conditions

Driver restrictions

The driver accident cover applies to the person driving the insured car at the time of an accident; no further specific driver age or licence restrictions are stated in the reviewed excerpts.

Claim notification deadline

No specific claim notification deadline for the liability cover is stated in the reviewed Coop documents.

Bonus-malus rules

If the insured car is replaced, accrued claims-free driving (bonus) can be carried over if the new car is insured with Coop; the price and terms for the new car are otherwise set according to Coop's current rules.

Territorial scope

Applies to the insured car while driven in Denmark. When driving abroad, the policy is extended with a special rescue/recovery insurance for private cars or vans used only for private transport, with a maximum total weight of 3.5 tonnes.

Documents

Policy specifics

Driver accident compensation sums

Driver accident compensation is up to 688,000 kr. (2024) for disability and 521,000 kr. (2024) for death (if a spouse is left behind); both sums are reduced once the insured turns 68.

SourceSource no longer reachable

Underwriter transition from Topdanmark to If Skadeforsikring

The cooperation between Coop and Topdanmark ends on 1 August 2026; existing policies continue unchanged, now administered by Topdanmark - a part of If Skadeforsikring.

SourceSource no longer reachable

Sources

Coop Forsikringer Motor third-party liability