Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway Motor third-party liability in Denmark

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

DKK 121M

Covered

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.

Clause 4Page 7

Section: 4. Ansvar > Erstatning

Omkostninger, du med vores accept pådrager dig ved afgørelsen af et erstatningsspørgsmål, betales af os, selvom summerne herved overskrides. Det samme gælder evt. renter af erstatningsbeløb, som er omfattet af forsikringen.

Covered

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.

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Section: 3. Hvem og hvad er omfattet af forsikringen > Hvor dækker forsikringen

Det er ikke nødvendigt at medbringe det grønne kort inden for EU's grænser samt i Norge, Island, Schweiz, Andorra og Serbien. Læs mere om det grønne kort og/eller bestil det grønne kort på gjensidige.dk.

Optional

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.

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Section: 17. Vejhjælp > Dækker

Assistance i Danmark og Europa (med undtagelse af Færøerne og Grønland).

Optional

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.

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Section: 16. Førerdækning > Erstatning

Erstatningen for personskade bliver opgjort efter de gældende regler og satser i Erstatningsansvarsloven (EAL) og summerne reguleres årligt efter Erstatningsansvarsloven.

Passenger accident cover

No limit stated

No standalone passenger accident add-on exists 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

Driver restrictions

Anyone who lawfully uses the car with the policyholder's permission is covered under the policy. No increased deductible applies for drivers under 25.

Source

Section: Ofte stillede spørgsmål om bilforsikring > Hvem må jeg låne min bil ud til?

Vi har nemlig ingen dobbeltselvrisiko for førere under 25 år. Det betyder, at det ikke koster dig ekstra, hvis bilen får en ridse ved et uheld.

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

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.

SourceClause 10Page 39

Section: 27. Generelle betingelser > 10. Ændringer

Ændringer i præmie, selvrisiko eller betingelser varsles mindst 30 dage før forsikringens hovedforfaldsdato.

Territorial scope

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.

Documents

Terms and conditions - Bilforsikring Privatbil 110-01.02 (February 2025) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Bilforsikring (opens in a new tab)

Product information sheet · PDF

Overview of terms and conditions for private customers (opens in a new tab)

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.

SourcePage 6

Section: 3. Hvem og hvad er omfattet af forsikringen > Hvor dækker forsikringen

Din forsikring dækker i Danmark samt i alle lande, der er tilsluttet "Grøntkortordningen".

Passenger accident insurance

Optional coverage providing compensation for personal injury to passengers in the insured vehicle, independent of liability determination.

Source

Mandatory liability in Denmark

Ansvarsforsikring is legally mandatory for all registered motor vehicles in Denmark under the Road Traffic Act Faerselsloven.

Source

Section: Ofte stillede spørgsmål om bilforsikring

Ja. I henhold til Færdselsloven er det lovpligtigt, at du, som bilejer, sørger for at købe en bilforsikring med en ansvarsforsikring.

Repair 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.

SourcePage 3

Section: 1. Værd at vide > Reparation og værkstedsvalg

Reparationer skal altid aftales med os, inden bilen kommer på værksted. Du kan dog få mindre reparationer lavet, hvis det er ulovligt eller uforsvarligt at køre videre med bilen, og kørslen ikke kan udsættes.

Claims 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.

SourcePage 33

Section: 25. Erstatning ved skade > Når skaden sker

Skade eller erstatningskrav, der er omfattet af forsikringen, skal straks anmeldes til os med så fyldestgørende oplysninger og dokumentation som muligt. ... Ved tyveri, røveri og hærværk, skal dette anmeldes til politiet.

Use 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.

SourcePage 25

Section: 18. Hjulskift inkl. dæktjek > Dækker

Det er en forudsætning for dækning, at du benytter vores samarbejdspartnere og booker din tid på "Min side", som du kan finde på gjensidige.dk.

Vehicle 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.

Source

Sources

Gjensidige Motor third-party liability

Get a quote from Gjensidige Compare Motor third-party liability insurers in Denmark

Gjensidige Motor third-party liability (Bilforsikring Privatbil)

Unique selling points

Coverage limits

Key conditions

Documents

Policy specifics

Sources