If
If is a motor third-party liability insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
Claims must be reported as soon as possible via if.dk or by calling 70 12 12 12 (24/7). If uses NemKonto for paying out compensation. Deductible is either deducted from the compensation or invoiced separately. If a payment agreement is in place, deductibles are collected via that agreement.
Geographic scope
DK
Denmark and all countries participating in the Green Card scheme; abroad, liability coverage applies with the sums required by each country
Unique selling points
- Liability-only (Ansvar) can be purchased standalone online in under 30 seconds with instant coverage activation.
- Up to 15% multi-policy discount via If Fordelsprogram when combining car insurance with home or contents insurance.
- Monthly payment option at no extra cost, allowing annual premium to be split into 12 instalments.
- 24/7 claims line and 85% customer satisfaction rate (EPSI Rating 2023); over 50% of claims resolved within 24 hours.
- Young driver seniority scheme (Ung bilist) allows children under 25 to build up to 5 years of no-claims history on the parent's policy for future use on their own insurance.
Coverage limits
Bodily injury liability (mandatory MTPL)
Covered
Covers the insured's statutory liability for bodily injury caused to third parties (other road users, passengers, pedestrians) by use of the motor vehicle, in accordance with the Danish Road Traffic Act (Færdselsloven). Coverage sums in Denmark are those prescribed by Færdselsloven; in other Green Card countries, the minimum sums required by the respective country apply.
Property damage liability (mandatory MTPL)
Covered
Covers the insured's statutory liability for damage to third-party property (vehicles, objects, infrastructure) caused by use of the motor vehicle, per Færdselsloven. Coverage sums in Denmark are those prescribed by Færdselsloven; in other Green Card countries, the minimum sums required by the respective country apply. Damage to property belonging to the policyholder, driver, or user is not covered.
Legal defence (Retshjælp)
Excluded
Legal defence insurance (Retshjælpsforsikring) is not included in the Ansvar (liability-only) tier. It is only available from Delkasko level upward. The Delkasko and Kasko products include legal defence covering reasonable costs in private civil disputes, capped at DKK 250,000 per event with a deductible of 10% of If's costs, minimum DKK 2,500.
Green Card (international motor insurance certificate)
Covered
The liability insurance covers Denmark and all countries participating in the Green Card scheme. Coverage in each country applies with the minimum sums required by that country. The Green Card certificate is issued free of charge. An overview of covered countries is available at if.dk.
Roadside assistance – Denmark (If Vejhjælp Danmark)
Optional
Optional add-on covering breakdown assistance throughout Denmark for passenger cars and vans up to 3,500 kg GVW, including towing to a chosen If partner workshop or home address, jump-start, tyre change, fuel delivery, door unlocking, free-towing, and hotel accommodation if the vehicle cannot be repaired the same day. No deductible applies. Can be added to all insurance tiers including Ansvar.
Driver seat coverage (Førerpladsdækning)
Optional
Optional add-on covering personal injury to the driver in a traffic accident without an at-fault third party, calculated under the Danish Liability Act (erstatningsansvarsloven). Covers medical expenses, lost earnings, pain and suffering, permanent disability (minimum 5%), permanent loss of earning capacity (minimum 15%), loss of breadwinner, and funeral assistance. No deductible. Not covered if the driver can obtain compensation from an at-fault party's liability insurance or workers' compensation.
Passenger injury (included in bodily injury liability)
Covered
Injuries to passengers in the insured vehicle are covered under the mandatory bodily injury liability section of the MTPL, per Færdselsloven. Passengers are covered as third parties. The policyholder's own personal injury as a non-driver passenger is also covered. The driver's personal injuries are not covered under MTPL (only covered via the optional Førerpladsdækning add-on, or during supervised driving exercises on a closed course).
Key conditions
territorial_scope
The MTPL covers Denmark and all countries participating in the Green Card scheme. In each country the coverage applies with the minimum sums prescribed by that country's law. For Delkasko, Kasko and optional add-ons, foreign coverage only applies during holiday trips of up to 8 consecutive weeks. If other insurance has been purchased for driving abroad, the present policy applies to the extent not covered by the other insurance.
green_card_rules
The Green Card confirms that the vehicle has at least the minimum statutory third-party liability coverage required by each member country of the Green Card scheme. The insurer covers the sums required in each respective country when driving abroad. An overview of Green Card countries is available at if.dk.
driver_restrictions
The policy covers the policyholder and any person using the vehicle with the policyholder's permission. Workshops and others with the vehicle for repair or service are covered for driving damage when driving in the policyholder's interest (e.g. test drive). Damage caused intentionally or with gross negligence (FAL §18), while driving under the influence of alcohol or drugs (FAL §20), or while driving without a valid licence is excluded – unless caused by a third party unaware of these circumstances.
claim_notification_deadline
Damage must be reported as soon as possible at if.dk or by calling 70 12 12 12. Do not discard or repair damaged items before If has approved this (preliminary repairs may be made if necessary to prevent serious consequences). For crimes such as theft or vandalism, the damage must also be reported to the police in the country where it occurred, and a copy sent to If. Limitation periods follow the general rules of the Insurance Contracts Act.
bonus_malus_rules
Denmark does not have a centralised statutory bonus-malus system; each insurer applies its own merit-rating independently. If uses 8 pricing tiers (trin 1–8), where tier 1 is the most expensive and tier 8 (Elitebilist) is the cheapest. After each claim-free insurance year the policyholder advances one tier at annual renewal (hovedforfald). A qualifying claim (belastende skade) causes the tier to remain unchanged for an additional year (total two years at the same tier). Roadside assistance costs, legal defence costs, damages caused by an identified at-fault party, serial vandalism (seriehærværk), and damages incurred while the vehicle was entrusted to a new owner or workshop are not counted as qualifying claims.
Where to buy
Policy specifics
Liability coverage for damage to third parties
Mandatory motor third-party liability coverage covering damage caused to other persons, vehicles, or property
Comprehensive coverage (Kasko)
Optional comprehensive coverage for own vehicle including collision, theft, vandalism, natural perils
Partial coverage (Delkasko)
Optional partial coverage for theft, break-in, vandalism, natural perils but excluding collision damage
Young driver add-on (Ung bilist)
Optional coverage allowing young drivers under 25 to build seniority on parent's policy while avoiding extra deductible
Extended glass coverage
Optional coverage for windshield and glass repairs without deductible; replacement with 50% deductible
Driver seat coverage (Førerpladsdækning)
Optional coverage for personal injury to the driver in a traffic accident where no at-fault third party is liable, calculated under the Danish Liability Act (erstatningsansvarsloven). Covers medical expenses, lost earnings, pain and suffering, permanent disability, and loss of earning capacity.
Coverage area - Denmark and Green Card countries
Liability coverage applies in Denmark and countries participating in the Green Card scheme for EU/international motor insurance
Vehicle age limits for Bil Super
Bil Super package (premium comprehensive) requires vehicle to be under 7 years old with less than 150,000 km mileage
Automatic coverage for new vehicle owner
New owner of vehicle automatically covered for max 21 days from sale or until new owner purchases own insurance
Young driver surcharge (without Ung bilist coverage)
Additional 5,000 DKK deductible applies if driver under 25 years causes damage (unless Ung bilist add-on purchased)
Exclusion for intentional damage or gross negligence
Damage caused intentionally or through gross negligence is not covered; exception if caused by person other than policyholder/spouse/cohabitant without knowledge
Exclusion for impaired driving (alcohol or drugs)
Damage caused while driver was under influence of alcohol, drugs, or similar is not covered
Exclusion for driving without valid licence
Damage caused by person without valid driving licence is not covered, unless caused by someone other than policyholder/family/regular user without their knowledge
Exclusion for competitive driving and racing
Damage occurring during competitive driving, racing, or driving on track is not covered