easySure Forsikringsformidler A/S
easySure
easySure is a motor third-party liability insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
Repairs must not be started or carried out without prior agreement with easySure or one of its appraisers; on approved claims easySure settles the taxed repair amount directly with the workshop rather than reimbursing the customer.
Geographic scope
Denmark
Denmark and countries that are part of the Green Card scheme
Unique selling points
- No hidden fees — the only charge for late payment is a fixed 100 DKK reminder fee, with no other surprise costs.
- Modular, self-configured car insurance where customers pick exactly which add-ons (Kasko, Elbil, Vejhjælp, Førerplads, etc.) they need on top of the mandatory liability cover.
- Number-plate theft is covered with no deductible under Kasko, and trailer/caravan liability is automatically included at no extra charge.
- Fully digital self-service: the Green Card can be generated and downloaded instantly from the customer's online profile before travelling abroad.
- No mandatory repair-shop network — customers can freely choose their own workshop or one of easySure's partner garages.
Coverage limits
Bodily injury liability
Covered
Covers liability for bodily injury caused to third parties through use of the insured vehicle, up to the sums stated in the Danish Traffic Act (Færdselsloven) at any given time, which are index-adjusted every 1 January.
Property damage liability
Covered
Covers liability for damage to third-party property, animals and vehicles caused through use of the insured vehicle, up to the sums stated in the Danish Traffic Act at any given time, index-adjusted every 1 January; does not cover the insured vehicle itself.
Legal expenses cover (Retshjælp)
DKK 175,000
Only in Kaskoforsikring
Available only as part of the paid Kasko (comprehensive) module. Covers legal costs up to 175,000 DKK per court or arbitration case (15,000 DKK for mediation), subject to a deductible of 10% of case costs, minimum 2,500 DKK and maximum 7,500 DKK per case.
Green Card (international liability document)
Covered
The mandatory liability insurance automatically covers driving in Denmark and countries affiliated with the Green Card scheme. The Green Card document, confirming valid liability cover to foreign customs/police authorities, can be downloaded free of charge via 'Min profil' on easysure.dk by entering the travel period.
Roadside assistance in Denmark
Optional
Only in Vejhjælp i Danmark
Optional add-on providing up to three assisted call-outs per year in Denmark (excluding Faroe Islands/Greenland) for private-use vehicles under 3,500 kg, delivered via SOS Dansk Autohjælp; a 7-day waiting period applies from the add-on's start date. Rescue abroad (Rødt Kort) is instead automatically included when Kasko cover is purchased.
Driver's seat personal accident cover (Førerplads)
Optional
Only in Førerplads
Optional add-on covering the driver of the insured vehicle when no liable third party, liability insurer or statutory occupational injury scheme can pay; benefits include lost income, pain and suffering, permanent injury, loss of earning capacity, treatment costs, up to 30,000 DKK funeral assistance and up to 30,000 DKK for dental injury (both non-indexed), assessed per the Danish Liability for Damages Act.
Passenger personal injury (under liability cover)
Covered
The mandatory liability insurance covers personal injury to passengers of the insured vehicle, and to the policyholder when not driving, unless separate driver's-seat cover has been bought (in which case the driver is covered too). No separate sum insured is stated; compensation follows the Liability for Damages Act.
Key conditions
Territorial scope
The insurance covers driving in Denmark and in countries that are members of the Green Card scheme; when driving abroad in a Green Card country the local sums apply, but never less than the sums applicable in Denmark.
Green card rules
The Green Card document proves valid Danish liability cover to customs and police authorities in non-EU countries affiliated with the scheme; a list of affiliated countries is available from DFIM (Danish Council for International Motor Vehicle Insurance), and the card can be downloaded via the customer's online profile before travel.
Driver restrictions
Vehicles must be used privately only; commercial use must be reported. If the car is lent to a driver under 26, an extra 5,000 DKK deductible applies unless Plusdækning has been added. Liability cover does not apply to drivers without a valid licence (unless the lack of driving skill is proven unrelated to the damage), drivers impaired by alcohol, medicine or drugs, or vehicles rented out without a driver.
Claim notification deadline
Claims must be reported to easySure as soon as possible with all relevant information; theft and vandalism must be reported to the police immediately, and for damage abroad written confirmation from the local police must accompany the claim notification.
Bonus-malus rules
No formal bonus/malus scale is described. Instead, easySure states that having more claims than normal, or suspected fraud, may lead to the policy being changed so that the price and/or deductible increases; conversely, holding several easySure products (Samlerabat) increases a discount that changes as products are added or cancelled.
Policy specifics
Mandatory liability coverage
Car liability insurance (ansvarsforsikring) is legally mandatory for all vehicle owners in Denmark and covers damages caused to third parties
SourceThird-party damage coverage
Covers bodily injury and property damage to third parties and their vehicles, including persons, buildings, and other property
SourceAutomatic trailer coverage
Liability coverage automatically extends to trailers, camper vans and other towed vehicles when attached to the insured vehicle
SourceGreen Card (international coverage)
Liability coverage applies in Denmark and countries part of the Green Card system for travel abroad
SourceInsurance provider and risk bearer
easySure is an insurance intermediary (forsikringsformidler) that sells policies underwritten by Eir Försäkring AB, a Swedish insurance company
SourceDigital policy administration
Customers manage policies entirely online through easySure's digital platform, with quote generation in under 3 minutes
SourceNo mandatory repair network
Policyholders can choose their own repair workshop or easySure workshop partners freely
SourceClaims notification and handling
Claims must be reported to easySure as soon as possible with all relevant information; theft and vandalism require immediate police report
SourceRegress and subrogation rights
easySure may demand repayment of compensation paid if the damage was not covered or policy terms were violated
SourceInsurer vehicle inspection rights
easySure has the right to inspect the insured vehicle while the policy is in force
Source14-day cooling-off period
Customers have 14 days to withdraw from the insurance contract without penalty as per Insurance Contracts Act
SourceGuarantee Fund protection
Customer claims are protected by Danish Guarantee Fund (Garantifonden for Skadesforsikringsselskaber) if Eir Försäkring becomes insolvent
Source