Insurance Company Himmerland G/S
Himmerland Forsikring
Himmerland Forsikring is a motor third-party liability insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
No evidence of a full direct-billing/direct-payment network for general repair shops was found. For glass damage specifically, Himmerland uses a direct-billing model with glaziers: <cite index="104-7,104-8">Skade på bilens glas skal ikke anmeldes til os. Du skal blot bestille tid hos en autoglarmester, som efterfølgende sender regningen videre – og så klarer vi resten</cite>. For other car damage, the customer is free to choose their own repair shop after the claim is approved: <cite index="80-1,80-2">Herefter kan du anmelde skaden – enten ved at ringe til os eller via selvbetjeningen i Mit Himmerland. Når det er gjort, kan du ringe til din foretrukne mekaniker og booke en tid til at få bilen repareret</cite>.
Geographic scope
Denmark (nationwide)
The statutory liability cover applies automatically within the EU/EEA and other Green Card countries; a Green Card can be ordered via Mit Himmerland for travel outside the EU/EEA. Kosovo, Russia, Belarus and Iran are not part of the Green Card scheme and require a border insurance purchase instead.
Unique selling points
- Customer-owned mutual insurer (gensidigt selskab) with over 135 years of history focused solely on its policyholders.
- Totalkunde (multi-policy) customers receive a 10% discount on car insurance.
- Fully modular product design with no fixed packages, letting customers build their own combination of covers.
- Free co-insurance of the trailer hitch included as a standard benefit.
- FællesFortjeneste loyalty scheme paid roughly 10.4 million DKK back to loyal Totalkunde customers in May 2026.
Coverage limits
Bodily injury liability
Covered
No limit stated
The mandatory liability cover (ansvarsforsikring), included in every car insurance, pays for personal injury the insured causes to other people while using the car; it does not cover the driver's own injuries. The specific statutory DKK ceiling is not stated on Himmerland's own product pages.
Property damage liability
Covered
No limit stated
The mandatory liability cover pays for damage the insured causes to other people's property while using the car; it does not cover the insured's own car. The specific statutory DKK ceiling is not stated on Himmerland's own product pages.
Legal defence insurance
DKK 225,000
Legal defence is not part of the bare mandatory liability policy; it is included only when casco (kasko) cover is purchased on top. It covers legal costs in private lawsuits, both cases brought against the insured and cases the insured brings against others, up to 225,000 DKK.
Green Card (international insurance certificate)
Covered
A Green Card proving the mandatory liability cover is valid can be ordered free of charge via Mit Himmerland for driving in Green Card member countries outside the EU/EEA.
Roadside assistance
Optional
Roadside assistance abroad (Rødt Kort) is only included via the optional casco cover; alternatively, car insurance customers can subscribe to SOS Dansk Autohjælp at a discounted monthly rate for 24/7 roadside assistance in Denmark and Europe. Neither is part of the bare mandatory liability policy.
Driver's seat accident insurance
Optional
An optional add-on (førerpladsforsikring) that compensates the driver for a solo accident, covering treatment costs, loss of income, pain and suffering, permanent injury, loss of earning capacity, and death benefits including funeral costs.
Passenger injury liability
Covered
Injuries to passengers in the insured's car are covered under the mandatory liability cover, whereas the driver's own injuries and damage to the insured's own car are excluded.
Key conditions
Territorial scope
The mandatory liability cover follows the car and applies automatically across the EU/EEA and other Green Card countries; Kosovo, Russia, Belarus and Iran are excluded and require border insurance instead.
Green card rules
A Green Card can be ordered free of charge via Mit Himmerland as proof of valid liability cover when driving outside the EU/EEA in Green Card member countries.
Driver restrictions
Named drivers' claims-free years from a parent's car policy can be transferred once the child takes out their own policy with Himmerland Forsikring, which can lower the premium; a dedicated 'Ung Bil' offer exists for drivers aged 18-28 who bundle car, contents and accident insurance.
Claim notification deadline
No fixed numerical reporting deadline is stated; customers are advised to note the counterparty's details at the scene and report the claim to Himmerland as soon as possible via phone or the Mit Himmerland self-service portal/app.
Bonus-malus rules
Drivers with at least 8 claims-free years ('elitebilist') can take out the Bonusbilforsikring, where the premium keeps falling each claims-free year down to the lowest premium tier; a 'Bil Total' variant avoids a general price increase after a claim; Totalkunde (multi-policy) customers with ansvar+kasko can additionally get one claim every two years without paying the deductible (friskade) if claim-free in the prior two years.
Policy specifics
Parking damage insurance
Optional coverage for damage to the vehicle while parked, caused by collision with another vehicle, shopping cart, or door impact when parked lawfully
SourceExtended glass insurance
Optional coverage for glass damage with low or zero deductible on windscreens, side windows, rear windows and cabin dividers; deductible of 1,000 DKK applies to windscreen replacements if damage cannot be repaired
SourceTrailer hitch coverage (included)
Included at no extra cost as standard coverage for trailer hitch in the car insurance
SourceSource no longer reachableCasco deductible (self-risk)
Customer may choose higher deductible levels on casco coverage to reduce premium; standard deductible mentioned is 3,774 DKK for 'Ung Bil' (young driver insurance)
SourceClaim-free discount / First damage without deductible
For Totalkunde (multi-policy customer), one claim per two years is covered without paying deductible if no claims have been made within the two-year period
SourceSOS Dansk Autohjælp roadside assistance (discounted subscription)
Optional subscription to roadside assistance service with 24/7 availability across Denmark and Europe; typically available at 47 DKK per month (2026 price) with discounts for car insurance customers; response time typically within 35 minutes
SourceSources
- https://himmerland.com/privat/bilforsikringSource no longer reachable
- https://himmerland.dk/billig-bilforsikring/
- https://himmerland.dk/blog-indlaeg/bilferie-i-udlandet-det-skal-du-vide-om-roedt-og-groent-kort/
- https://himmerland.dk/forsikringer/bilforsikring/
- https://himmerland.dk/forsikringer/totalkunde/
- https://himmerland.dk/privat/bilforsikring/nye-muligheder/