Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway
Gjensidige
Gjensidige is a motor third-party liability insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Gjensidige pays the repair costs directly to the workshop for a covered claim and separately invoices the policyholder for any deductible owed.
Geographic scope
Denmark and countries party to the Green Card scheme
Covers Denmark and all countries participating in the Green Card scheme, applying the liability sums of the country driven in, but never less than the Danish sums; the policy is subsidiary to any separately purchased foreign motor insurance.
Unique selling points
- Buying your car insurance online gives you an online discount on the premium.
- Over 90% of car insurance claims reported online are processed within 24 hours.
- Coverage can be tailored beyond the mandatory liability insurance with tiers such as Kasko Basis, Kasko Udvidet and Kasko Premium, plus add-ons like Driver Coverage.
- A free phone consultation is available to help you choose the right coverage and add-ons for your needs.
Coverage limits
Bodily injury liability
DKK 129,000,000
Statutory liability cover for bodily injury caused to third parties by the insured vehicle, capped at the Road Traffic Act (Færdselsloven) sum of DKK 129 million (2021 level; sums are indexed annually).
Property damage liability
DKK 26,000,000
Statutory liability cover for property/material damage caused to third parties by the insured vehicle, capped at the Road Traffic Act (Færdselsloven) sum of DKK 26 million (2021 level; sums are indexed annually).
Legal defence / settlement costs (liability claims)
Covered
Costs the policyholder incurs, with Gjensidige's consent, in settling a liability claim are paid by Gjensidige even if this exceeds the statutory sums, along with related interest on the compensation amount. This is separate from the optional Legal Assistance (Retshjælp) cover, which applies to certain private disputes about the insured vehicle in connection with a comprehensive (Kasko) policy and carries a limit stated on the policy.
Green Card
Covered
The Green Card documents valid liability insurance for driving outside Denmark. It is not necessary to carry it within the EU, Norway, Iceland, Switzerland, Andorra and Serbia, but is required and can be ordered from Gjensidige for other Green Card countries.
Roadside assistance (Vejhjælp)
Optional
Optional add-on covering assistance in Denmark and Europe (excluding the Faroe Islands and Greenland), including start help, tyre change, lockout, glass cover-up, towing, recovery, and emergency transport in case of sudden illness; one assistance per breakdown or accident, no fixed monetary cap stated.
Driver accident cover (Førerdækning)
Optional
Optional cover for personal injury to the driver in a solo accident where no other motor vehicle is involved (including getting in/out of the car). Compensation is assessed under the Danish Liability for Damages Act (EAL); no fixed sum is stated in the policy, and any workers' compensation payout is deducted from the amount paid.
Passenger accident cover
No limit stated
No standalone passenger accident add-on is confirmed for this product. Passengers injured by the insured vehicle are covered as third parties under the compulsory liability (Ansvar) cover when the driver is at fault.
Key conditions
Territorial scope
Covers Denmark and countries that are part of the Green Card scheme, applying the liability sums of the country being driven in, but never less than the Danish sums; the policy is subsidiary to any separate foreign motor insurance purchased.
Green card rules
The Green Card documents valid liability cover abroad. It is not necessary to carry it within the EU, Norway, Iceland, Switzerland, Andorra or Serbia, but it is required for other Green Card countries and can be ordered from Gjensidige.
Driver restrictions
Anyone who lawfully uses the car with the policyholder's permission is covered under the policy. If the car is lent to a driver under 25 years old, a doubled deductible applies under the comprehensive (Kasko) elements of the policy.
Claim notification deadline
Damage or claims covered by the policy must be reported to Gjensidige as soon as possible, online or by phone, with as complete information and documentation as possible; theft, robbery and vandalism must also be reported to the police.
Bonus-malus rules
The current terms and conditions do not specify a fixed no-claims discount ladder. Premium, deductible and terms can be adjusted at renewal based on risk and claims history, with material changes notified at least 30 days before the policy's main renewal date.
Where to buy
Policy specifics
Green Card international coverage
Insurance covers liability claims in countries participating in the Green Card system for motor third-party liability, providing proof of insurance coverage across borders.
SourceSource no longer reachableLegal assistance insurance
Coverage for legal expenses in disputes from traffic accidents and motor vehicle matters, typically up to specified limits.
SourceSource no longer reachablePassenger accident insurance
Optional coverage providing compensation for personal injury to passengers in the insured vehicle, independent of liability determination.
SourceSource no longer reachableMandatory liability in Denmark
Ansvarsforsikring is legally mandatory for all registered motor vehicles in Denmark under the Road Traffic Act Faerselsloven.
SourceRepair restrictions without insurer approval
Repairs may not be authorized without prior written approval from the insurer, except in emergencies where driving is illegal or unsafe, such as broken windshield or damaged lights.
SourceSource no longer reachableClaims must be reported immediately
Insured must report any damage or claim to the insurer immediately with complete information and documentation. For theft, robbery, or vandalism, police report is also mandatory.
SourceSource no longer reachableUse of partner workshops for certain services
For certain optional services such as wheel change or tire check, or roadside assistance coverage, the insured must use Gjensidiges designated partners and book services through online portal Min Side on gjensidge.dk.
SourceSource no longer reachableVehicle must be registered in Danish motor register
The vehicle must be registered in the Danish Motor Vehicle Register DMR Digital Motorregister. Insurance typically commences from the date the vehicle is registered in DMR or the date agreed with the insurer, whichever is later.
SourceSource no longer reachable