Forsia Forsikring A/S
Forsia
Forsia is a motor third-party liability insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
Repairs and settlements generally require Forsia's prior approval before work begins, but glass damage is handled directly by partner glass repairers (Dansk Bilglas/Carglass) without needing to be reported to Forsia, and bodywork done through the Carbucks partner network is billed directly to Forsia.
Geographic scope
Denmark
Denmark and all countries that are party to the Green Card scheme (EU and non-EU countries).
Unique selling points
- Up to 15% discount for bundling car insurance with other Forsia policies (samlerabat).
- ForsiaTjek lets customers calculate their price and buy car insurance online in about 3 minutes, any time day or night.
- Glass damage is settled directly with partner repairers Dansk Bilglas or Carglass, so the customer doesn't need to file a claim with Forsia.
- Through partner Carbucks, bodywork damage can be booked online and repaired within 2 hours, billed directly to Forsia.
- Forsia is a 100% customer-owned insurer (Foreningen Forsia fmba) with no external shareholders, and claims calls are answered by people rather than automated menus.
Coverage limits
Bodily injury liability
Covered
No limit stated
Liability for bodily injury is covered up to the statutory limits set by the Danish Traffic Act (Færdselsloven), which are adjusted annually on 1 January; no fixed monetary limit is stated in the policy documents.
Property damage liability
Covered
No limit stated
Liability for damage to property or other vehicles is covered up to the statutory limits set by the Danish Traffic Act (Færdselsloven), adjusted annually on 1 January; no fixed monetary limit is stated in the policy documents.
Legal expenses cover (Retshjælp)
DKK 230,000
Legal expenses cover under the common Danish insurers' legal-aid terms, up to 230,000 DKK including VAT per claim, subject to a 10% deductible (minimum 2,500 DKK); no deductible applies if the policyholder qualifies for free legal aid (fri proces). This cover only exists if casco cover is also selected on the policy.
Green Card coverage
Covered
Third-party liability cover extends beyond Denmark to all countries party to the Green Card scheme, with cover at least equal to the Danish statutory sums, or higher local sums where applicable.
Roadside assistance (Autohjælp)
Optional
Optional roadside assistance provided in cooperation with SOS Dansk Autohjælp, available for vehicles up to 3,500 kg total weight; covers breakdown assistance in Denmark (excluding the Faroe Islands and Greenland), on the E65 transit route between Malmö and Ystad, and up to 25 km south of the Danish/German border.
Driver's seat accident cover (Førerpladsdækning)
Conditional
Driver's seat accident cover, included only if stated on the policy, covers personal injury to the driver in a single-vehicle accident where no other motor vehicle is involved and no liable third party or other insurance covers the injury; compensation is calculated under the Danish Liability for Damages Act (Erstatningsansvarsloven) with no fixed sum insured.
Passenger liability cover
Covered
Passengers in the insured vehicle are covered under the standard third-party liability cover for personal injury and property damage at no extra cost.
Key conditions
Territorial scope
The policy covers Denmark and all countries that are party to the Green Card scheme (both EU and non-EU countries).
Green card rules
In Green Card countries, liability is covered with the sums applicable in the respective country, but always at least with the sums that apply in Denmark.
Driver restrictions
Cover applies to the policyholder and anyone using the car with the policyholder's permission; a valid driving licence is required, and driver-seat/roadside benefits can be reduced or voided for unauthorised use, driving under the influence, or lack of a valid licence.
Claim notification deadline
Claims must be reported to the insurer as soon as possible; theft, robbery and vandalism must be reported immediately to the police, and if the car is stolen abroad it must also be reported to the Danish police.
Bonus-malus rules
The terms do not describe a classic bonus-malus scale; instead, premiums are index-regulated annually on 1 January, an extra 5,000 DKK deductible applies if actual mileage exceeds the declared limit, the insurer may change price and cover with 14 days' notice after a claim, an adverse claims history can be registered in DFIM's shared register, and using the legal-expenses cover does not affect the policyholder's right to obtain or keep a casco no-claims discount.
Policy specifics
Legal assistance coverage
Coverage for legal costs in case of disputes related to vehicle liability; available as an optional or bundled benefit
SourceGreen Card coverage
Third-party liability coverage extended to EU countries and countries participating in the Green Card arrangement
SourcePassenger liability coverage
Covers liability for injuries to passengers in the insured vehicle as part of standard third-party liability coverage
SourceStatutory traffic law requirements
Third-party liability coverage governed by Danish Traffic Act (Færdselsloven) and liability law; covers damage caused by vehicle accidents
SourceClaims reporting and handling procedure
Policyholder must report claims and cooperate with insurer; damage prevention obligations apply; claims must be reported promptly
SourceVehicle registration and eligibility
Policy covers registered motor vehicles (cars, motorcycles, mopeds) as defined by Danish Traffic Law
Source