Coop Forsikringer (insurance brand distributed by Coop Danmark A/S)
Coop Forsikringer
Coop Forsikringer is a motor third-party liability insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Not explicitly specified in the reviewed Coop sources; the official terms and conditions document should be consulted for exact excess/direct settlement mechanics.
Geographic scope
Denmark
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.
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
Bodily injury liability
Covered
No limit stated
The insurance is compulsory and covers liability for damage caused by use of the car according to the rules of the Danish Road Traffic Act (Færdselsloven); the specific statutory compensation ceiling is not stated in Coop's own product documents reviewed.
Property damage liability
Covered
No limit stated
Covered as part of the compulsory liability insurance following the Road Traffic Act; the exact statutory sum is not stated in Coop's own reviewed documents.
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.
Green Card
No limit stated
Not explicitly documented in the reviewed Coop sources.
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.
Driver accident insurance
DKK 688,000
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.
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.
Key conditions
Territorial scope
The compulsory liability cover applies in Denmark; when driving abroad the car insurance is extended with a special rescue insurance for private cars or vans used solely for private transport (max. total weight 3.5 tonnes).
Green card rules
Not specified in the reviewed Coop documents.
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.
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 reachableUnderwriter 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 reachableSources
- https://www.coopforsikringer.dk/binaries/content/documents/dk-sites/coopforsikringer.dk/kampagner/2022/foedselsdag22/terms-foedselsdag22/terms-foedselsdag22/%5B1%5D/co40001-2_vilkaar_for_bilforsikring.pdfSource no longer reachable
- https://www.coopforsikringer.dk/forsikringer/bilforsikringSource no longer reachable