Forsia Motor third-party liability (Ansvarsforsikring)
Underwritten by Forsia Forsikring A/S · Denmark
motor third-party liability insurance from Forsia for the Denmark market, with online purchase.
Verified Sep 1, 2026 · Terms dated 2024-02-01Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal expenses cover (Retshjælp)
DKK 230K
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.
Section: Dækninger > 7. Retshjælpsdækning > 7.1. Hvad omfatter retshjælpsdækningen
Forsikringen dækker med op til 230.000 kr. inkl. moms for hver forsikringsbegivenhed, med en selvrisiko på 10% (dog mindst 2.500 kr.) af de erstatningsberettigede sagsomkostninger. Hvis der kan opnås fri proces, beregnes der ikke selvrisiko.
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.
Section: Hvad dækker ansvarsforsikringen?
Ansvarsforsikringen dækker kørsel i både Danmark, EU og udenfor EU, når landet er tilsluttet grønt kort-ordningen.
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.
Section: 13. Autohjælp – i samarbejde med SOS Dansk Autohjælp > 13.1. Hvor dækker autohjælp?
Autohjælp er gældende i Danmark (med undtagelse af Færøerne og Grønland) samt på transitruten E 65 mellem Malmø og Ystad, samt indtil 25 km syd for den dansk/tyske grænse.
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.
Section: Dækninger > 5. Førerpladsdækning > 5.3. Hvad omfatter førerpladsdækningen?
Førerpladsdækningen dækker føreren af det forsikrede køretøj, hvis føreren pådrager sig en personskade ved et ulykkestilfælde, når køretøjet er i brug som trafikmiddel, hvor ingen andre motordrevne køretøjer er involveret, og føreren ikke har mulighed for at få erstatning fra en ansvarlig skadevolder, en ansvarsforsikring, en lovpligtig arbejdsskadeforsikring eller tilsvarende forsikring/ordning.
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.
Section: Dækninger > 4. Ansvarsdækning > 4.1. Hvad omfatter ansvarsdækningen?
Skade på person eller ting, på passagerer og dig selv, når du ikke er fører af bilen.
Key conditions
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.
Territorial scope
Denmark and all countries that are party to the Green Card scheme (EU and non-EU countries).
Documents
Policy specifics
Legal assistance coverage
Coverage for legal costs in case of disputes related to vehicle liability; available as an optional or bundled benefit
SourceClause 3.1Page 4Section: 3. Hvad dækker retshjælpsforsikringen?
Forsikringen dækker tvister, som er opstået i privatlivet.
Green Card coverage
Third-party liability coverage extended to EU countries and countries participating in the Green Card arrangement
SourceSection: Spørgsmål og svar om Ansvarsforsikring
Ansvarsforsikringen dækker kørsel i Danmark, i alle EU-lande og lande udenfor EU, som er tilsluttet grønt kort-ordningen.
Passenger liability coverage
Covers liability for injuries to passengers in the insured vehicle as part of standard third-party liability coverage
SourceSection: Hvad dækker ansvarsforsikringen?
Hvis du har forvoldt personskade, dækker ansvarsforsikringen omkostninger i forbindelse med personens behandling mv.
Statutory traffic law requirements
Third-party liability coverage governed by Danish Traffic Act (Færdselsloven) and liability law; covers damage caused by vehicle accidents
SourceClause 4.1Page 5Section: Dækninger > 4. Ansvarsdækning > 4.1. Hvad omfatter ansvarsdækningen?
Dit erstatningsansvar for skade, der sker ved bilens brug som køretøj.
Claims reporting and handling procedure
Policyholder must report claims and cooperate with insurer; damage prevention obligations apply; claims must be reported promptly
SourceClause 14.1Page 13Section: 14. Hvis skaden sker > 14.1. Afværgelse af skade
Det er din pligt at forsøge at afværge skader. Hvis der er sket en skade, skal du starte med at begrænse skadens omfang mest muligt.
Vehicle registration and eligibility
Policy covers registered motor vehicles (cars, motorcycles, mopeds) as defined by Danish Traffic Law
SourceSection: Hvad er en ansvarsforsikring?
Hvis du ejer en bil eller andre motorkøretøjer, f.eks. motorcykel eller knallert, er det lovpligtigt, at køretøjet har en ansvarsforsikring .
Sources
- forsia.dkhttps://forsia.dk/app/uploads/2024/03/Bilforsikring_betingelser.pdf#page=11(opens in a new tab)
- forsia.dkhttps://forsia.dk/app/uploads/2024/03/Bilforsikring_betingelser.pdf#page=13(opens in a new tab)
- forsia.dkhttps://forsia.dk/app/uploads/2024/03/Bilforsikring_betingelser.pdf#page=18(opens in a new tab)
- forsia.dkhttps://forsia.dk/app/uploads/2024/03/Bilforsikring_betingelser.pdf#page=5(opens in a new tab)
- forsia.dkhttps://forsia.dk/app/uploads/2024/03/Bilforsikring_betingelser.pdf#page=8(opens in a new tab)
- forsia.dkhttps://forsia.dk/app/uploads/2025/10/betingelser-retshjaelp-smv.pdf#page=4(opens in a new tab)
- forsia.dkhttps://forsia.dk/forsikringer/bilforsikring/(opens in a new tab)
- forsia.dkhttps://forsia.dk/forsikringer/bilforsikring/ansvarsforsikring/(opens in a new tab)
Forsia Motor third-party liability