If Motor third-party liability (Bilforsikring Ansvar)
Underwritten by If Skadeforsikring, filial af If Skadeförsäkring AB (publ) · Denmark
motor third-party liability insurance from If for the Denmark market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2023-02Sources
Unique selling points
Bundling car insurance with other policies via If Fordelsprogram can earn up to 15% discount across all household policies.
Monthly instalment payment is offered at no extra surcharge, avoiding a lump annual payment.
Claims can be reported and handled around the clock via a 24/7 phone line (70 12 12 12).
Dissatisfied customers get a free, no-cost review of their case by If's own Kundeombud (customer ombudsman) within 12 months of the case closing.
The optional 'Ung bilist' add-on removes the extra DKK 5,000 young-driver deductible and lets children under 25 accrue up to 5 years of no-claims bonus for their own future policy.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal expenses cover (Retshjælpsforsikring)
DKK 250K
Legal expenses insurance is included automatically with Delkasko, Kasko, Bil Super and Leasing Super, covering reasonable costs of private legal disputes up to DKK 250,000 per insured event, subject to a deductible of 10% of If's costs (minimum DKK 2,500). It is not part of the standalone third-party liability (Ansvar) cover and can only be obtained by purchasing one of the casco-level products.
Section: 4 Dækningsskemaer > 4.12 Retshjælpsforsikring
Ifs dækning er begrænset til 250.000 kr. pr forsikringsbegivenhed, og din selvrisiko er 10 % af Ifs omkostninger, dog mindst 2.500 kr.
Green Card / international liability proof
Covered
The mandatory liability insurance provides valid proof of insurance in Denmark and in all countries that are party to the Green Card system, without any separate purchase. An overview of participating countries is published on if.dk.
Section: 3 Hvem og hvad er omfattet af forsikringen > 3.3 Hvor dækker forsikringen
Ansvarsforsikringen dækker i Danmark og i de lande, der er tilsluttet grønt kort-ordningen. Se oversigt på if.dk
Roadside assistance
Optional
If Vejhjælp Danmark can be purchased as an add-on to the standalone Ansvar (liability-only) policy, covering starting help, tyre change, fuel delivery, lock-out assistance and towing within Denmark. If Vejhjælp Europa (roadside assistance abroad) is only available as an add-on to Delkasko, Kasko, Bil Super or Leasing Super and cannot be added to a standalone Ansvar policy.
Section: 2 Dækningsoversigt
If Vejhjælp Danmark ● ● ● ● ●
Driver accident cover (Førerpladsdækning)
Optional
Optional add-on that compensates the driver for personal injury sustained in a traffic accident with no liable third party (e.g. single-vehicle accidents), calculated under the Danish Liability for Damages Act (covering e.g. medical costs, loss of income, pain and suffering, permanent injury of at least 5%, and loss of earning capacity of at least 15%). Can be added to a standalone Ansvar policy.
Section: 4 Dækningsskemaer > 4.9 Førerpladsdækning
Personskade på fører af køretøjet er dækket efter reglerne i erstatningsansvarsloven i forbindelse med færdselsuheld uden ansvarlig modpart.
Passenger / policyholder personal injury under liability cover
Covered
Personal injury to the policyholder (when not driving) and to all passengers in the insured vehicle is compensated as part of the mandatory third-party liability cover; there is no separate passenger-accident product with its own sum insured.
Section: 4 Dækningsskemaer > 4.1 Ansvar
Skade på forsikringstagerens person dækkes, når denne ikke er fører af motorkøretøjet.
Key conditions
Driver restrictions
If the driver is under 25 and the 'Ung bilist' cover has not been purchased, an extra deductible of DKK 5,000 is charged on every claim, in addition to the deductible stated in the policy; this extra deductible does not apply if the driver is the policyholder, their spouse or cohabiting partner. Cover does not apply to damage caused intentionally or through gross negligence, or while the vehicle was driven by someone without a valid driving licence, unless the policyholder, their spouse/partner or regular user neither caused nor was aware of the event (and such lack of awareness was not itself due to gross negligence).
SourcePage 6Section: 4 Dækningsskemaer > 4.1 Ansvar > Selvrisiko
Er føreren under 25 år vil der ved enhver skade blive opkrævet ekstra selvrisiko på 5.000 kr., ud over den selvrisiko som står i forsikringsaftalen. Den ekstra selvrisiko opkræves ikke, hvis føreren er forsikringstager, ægtefælle eller samlever eller hvis dækningen Ung bilist er valgt.
Claim notification deadline
Claims should be reported as soon as possible via if.dk or by phone on 70 12 12 12, available around the clock; incidents involving a crime (e.g. theft, vandalism) must also be reported to the police, with a copy of the report sent to If. After the policy has ended, claims may still be reported within the ordinary time-bar rules of the Danish Insurance Contracts Act.
SourcePage 25Section: 7 Anmeldelse af skade > 7.1 Hvad gør du, hvis skaden sker:
Anmeld skaden hurtigst muligt på if.dk eller ring til os, døgnet rundt, på telefon 70 12 12 12.
Bonus-malus rules
The policy uses an 8-step no-claims scale (trin 1-8), where trin 1 is the most expensive and trin 8 ('elitebilist') is the cheapest. One step is gained at each claim-free annual renewal. A claim expected to cost If money keeps the policy on the same step for an additional year (two years in total on that step); certain costs (e.g. roadside assistance, legal expenses claims, claims caused by a known liable third party) do not count as claims for this purpose.
SourcePage 27Section: 9 Pris og selvrisiko > 9.1 Trintabel
Der er 8 pristrin fra trin 1 til trin 8, hvor trin 1 er det dyreste og trin 8, elitebilist, er det billigste. Efter hvert skadefrit forsikringsår rykker du op til næste trin, indtil du er på trin 8, elitebilist.
Territorial scope
The mandatory liability (Ansvar) cover applies in Denmark and in the countries that are party to the Green Card system. The 8-consecutive-week holiday limit that applies to Delkasko/Kasko and add-ons abroad does not restrict the Ansvar cover itself.
Documents
Policy specifics
Green Card coverage (international liability)
Mandatory liability insurance covers Denmark and countries in the Green Card system. This provides proof of mandatory liability insurance across EU and EEA countries and participating nations.
SourcePage 5Section: 3 Hvem og hvad er omfattet af forsikringen > 3.3 Hvor dækker forsikringen
Ansvarsforsikringen dækker i Danmark og i de lande, der er tilsluttet grønt kort-ordningen. Se oversigt på if.dk
Personal injury to policyholder and passengers
The liability coverage extends to cover personal injuries to the policyholder (when not driving) and all passengers, covered within statutory liability limits.
SourcePage 6Section: 4 Dækningsskemaer > 4.1 Ansvar
Skade på forsikringstagerens person dækkes, når denne ikke er fører af motorkøretøjet.
Property damage liability
Liability coverage includes damage caused by the insured vehicle to other persons' property, including other vehicles and buildings.
SourcePage 6Section: 4 Dækningsskemaer > 4.1 Ansvar
Sikredes erstatningsansvar for skade forvoldt ved motorkøretøjets brug som motorkøretøj dækkes efter færdselslovens bestemmelser.
Driver accident coverage (optional add-on)
Optional add-on coverage that provides compensation to the driver in case of accident when there is no liable third party, such as single-vehicle accidents.
SourceSection: Førerpladsdækning
Med tilvalgsdækningen 'Førerpladsdækning' er føreren af bilen dækket ved skader, hvor der ikke er en ansvarlig modpart - fx hvis du er ude for en eneulykke, hvor du rammer et træ.
New owner temporary coverage period
New owners are covered by the existing liability insurance for a maximum of 21 days from sale date or until they purchase their own policy, whichever comes first.
SourcePage 5Section: 3 Hvem og hvad er omfattet af forsikringen > 3.2 Hvem er dækket af forsikringen
En ny ejer af køretøjet er dækket i maksimalt 21 dage fra salgstidspunktet, eller indtil ny ejer selv har købt en forsikring.
Workshop and repair service coverage
Workshops and other service providers with the insured vehicle for repair, service, or similar work are covered for driving accidents when the driving occurs in the policyholder's interest, such as test drives.
SourcePage 5Section: 3 Hvem og hvad er omfattet af forsikringen > 3.2 Hvem er dækket af forsikringen
Værksteder og andre, som har køretøjet til reparation, service og lignende er dækket for kørselsskader, hvis kørslen sker i forsikringstagers interesse, fx prøvekørsel.
Direct settlement vs. reimbursement
For liability claims, IF settles directly with injured parties rather than reimbursing the policyholder. For own-damage claims, IF arranges repairs or provides cash compensation paid to the policyholder's NemKonto (Danish payment account).
SourceGross negligence and intent exclusions
Damage caused with intent or through gross negligence (per Danish Road Traffic Act § 108 stk. 2) is excluded from coverage, unless the damage was not caused by the policyholder, their spouse, cohabitant, or permanent user and they were unaware of the event.
SourcePage 6Section: 4 Dækningsskemaer > 4.1 Ansvar
Skader forvoldt med fortsæt eller grov hensynsløshed jf. Færdselsloven § 108 stk. 2
Sources
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=22(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=24(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=26(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=28(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=32(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=5(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=6(opens in a new tab)
- if.dkhttps://www.if.dk/globalassets/dk/files/privat/vilkar/bilforsikring.pdf#page=7(opens in a new tab)
- if.dkhttps://www.if.dk/privat/forsikringer/bil/bilforsikring(opens in a new tab)Source no longer reachable
- if.dkhttps://www.if.dk/privat/forsikringer/bilforsikring(opens in a new tab)
If Motor third-party liability