LB Forsikring A/S
LB Forsikring
LB Forsikring is a motor third-party liability insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
All settlement agreements regarding compensation must be negotiated by LB Forsikring; acknowledging liability without contacting the insurer may affect the right to compensation.
Geographic scope
Europe and Green Card countries
The liability cover applies in Europe and in countries outside Europe that are part of the Green Card scheme; special rules apply for roadside assistance (Vejhjælp/Vejhjælp PLUS) and rescue abroad.
Unique selling points
- Unlimited mileage included as standard, with no restriction on how far you can drive.
- Free loaner car (up to 100 km/day) while your car is repaired after a comprehensive (kasko) claim, plus a free rental car for up to 30 days if the car is stolen or totalled.
- Electric and hybrid vehicle battery damage is covered up to DKK 30,000 with no deductible, for cars up to 8 years old.
- Get your exact car insurance price online in about one minute via LB Forsikring's price calculator.
- Vejhjælp PLUS adds seasonal tyre changes twice a year and a workshop safety check on top of standard roadside assistance.
Coverage limits
Bodily injury liability
Covered
Covers the policyholder's liability as owner, user or driver for personal injury caused to others with the insured car. In Denmark, compensation is determined using the amounts fixed under the Danish Road Traffic Act (færdselsloven); when driving abroad, cover applies with the sums required in the relevant country, but at least the sums applicable in Denmark.
Property damage liability
Covered
Covers the policyholder's liability as owner, user or driver for damage caused to other people's property/vehicles with the insured car. In Denmark, compensation follows the amounts fixed under the Danish Road Traffic Act (færdselsloven); abroad, cover applies with the sums required locally, at least the Danish sums.
Legal expenses cover (Retshjælp)
DKK 225,000
Only in kasko, delkasko
Legal expenses cover is only available as part of a comprehensive (kasko) or partial comprehensive (delkasko) policy, not with liability-only cover. It covers cases where the policyholder is party as owner, user or driver of the insured car (excluding e.g. debt collection, business and criminal cases), up to DKK 225,000, with a deductible of 10%, minimum DKK 2,500.
Green Card / international territorial cover
Covered
The mandatory liability cover automatically extends to countries outside Europe that are part of the Green Card scheme, in addition to full coverage across Europe; this is a territorial scope feature rather than a separate sum insured.
Roadside assistance (Vejhjælp)
Optional
Only in vejhjælp, vejhjælp_plus
Optional add-on providing help via Falck in case of breakdown or accident. Vejhjælp covers Denmark and Europe up to the Ural mountains (excluding Iceland, the Faroe Islands and Greenland); Vejhjælp PLUS covers Denmark only and adds seasonal tyre changes (twice a year) and a visual workshop safety check.
Driver accident cover (Førerulykke)
Optional
Optional add-on covering personal injury to the driver of the insured car resulting from a sudden accidental event during driving, when no other liable party exists. Compensation is calculated according to the rules of the Danish Liability for Damages Act (loss of earning capacity, permanent injury, lost income, etc.); no fixed sum insured is stated.
Passenger accident cover
No limit stated
No standalone passenger-accident benefit is offered; the optional Førerulykke (driver accident) cover applies only to the driver. Passengers injured through the policyholder's fault are compensated as third parties under the bodily injury liability cover.
Key conditions
Territorial scope
The liability cover applies in Europe and in countries outside Europe that are part of the Green Card scheme; special rules apply for Vejhjælp, Vejhjælp PLUS and rescue abroad.
Green card rules
Rescue abroad follows the Green Card ('rødt kort') scheme's territorial coverage and applies to passenger, van and lorry vehicles up to 3.5 tonnes registered total weight; assistance includes on-site roadside help, towing, hotel/local transport, a replacement car (only if total vehicle weight is under 3 tonnes), return travel home and repatriation of the vehicle.
Driver restrictions
The deductible is increased by DKK 3,000 if the car was lent to a driver under 25 years old at the time of the damage. The insurance does not cover driving without a valid driving licence, or driving under the influence of alcohol, drugs or medication.
Claim notification deadline
Any damage must be reported to LB Forsikring as soon as possible, via the website or by phone. Theft, robbery and vandalism must also be reported to the police. Late or non-compliant reporting can reduce or void the right to compensation under the Insurance Contracts Act.
Bonus-malus rules
A claim does not automatically raise the price of the car insurance, but LB Forsikring may impose an increased deductible, cancel partial covers, or require the policyholder to prevent future damage following a claim.
Where to buy
Policy specifics
Battery damage coverage for electric vehicles
Coverage for electric vehicle battery damage up to 30,000 DKK for vehicles up to 8 years old from first registration
SourceCharging cable and charging box coverage
Coverage for damage to charging cables and charging boxes (type-approved) for electric vehicles
SourceDriver accident coverage (Førerulykke)
Optional coverage protecting the driver if there is no other responsible party; covers loss of earnings capacity, permanent disability, and lost work income
SourceExtended glass damage coverage (Udvidet glasdækning)
Optional coverage for glass damage beyond standard comprehensive coverage
SourceParking damage coverage (Parkeringsskadedækning)
Optional coverage for damage to the vehicle while parked
SourcePreferred workshop network (Fordelsværksteder)
LB Forsikring has partnerships with preferred workshops that offer additional benefits including loaner cars and extended inspection rights for comprehensive coverage claims
SourceAge 17 driver surcharge (Ung fører selvrisiko)
Enhanced deductible (3,000 DKK) applies when a 17-year-old driver operates the vehicle, in addition to the selected deductible
SourceMandatory leasing coverage for leased vehicles
If the vehicle is leased, comprehensive coverage (kasko) must include mandatory leasing coverage
SourceDeductible surcharge for drivers under 25
The applicable deductible is increased by DKK 3,000 if the car was lent to a driver under 25 years of age at the time the damage occurred; this applies across liability, comprehensive and partial comprehensive claims.
Source