Extracted from source documents

LB Forsikring Motor third-party liability (Bilforsikring Ansvar)

Underwritten by LB Forsikring A/S · Denmark

motor third-party liability insurance from LB Forsikring for the Denmark market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2026-04Sources

Online purchase

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.

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

Liability limit (covers injury + property damage)

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

Covered

Conditional

Legal expenses cover (Retshjælp)

DKK 225K

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.

Clause 9Page 15

Section: 9. Retshjælp

Forsikringen dækker med højst 225.000 kr. Summen afhænger af, hvornår søgsmålsgrunden er opstået. Der er en selvrisiko på 10 %, dog mindst 2.500 kr.

Covered

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.

Clause 2.BPage 4

Section: 2. Hvem, hvor og hvad? > B. Hvor dækker forsikringen?

Forsikringen dækker i Europa samt i de lande uden for Europa, der er tilsluttet grøntkortordningen.

Optional · vejhjælp, vejhjælp_plus

Roadside assistance (Vejhjælp)

Optional

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.

Clause 12Page 18

Section: 12. Vejhjælp

Du kan få hjælp, hvis du er ude for et uheld et sted i Europa (Europa indtil Ural. Dog er Island, Færøerne og Grønland undtaget)

Optional

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.

Clause 14Page 20

Section: 14. Førerulykke > 4. Erstatning

Erstatningen bliver opgjort efter gældende regler, satser og summer i erstatningsansvarsloven.

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

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.

SourceClause 3Page 5

Section: 3. Ansvar > 3. Selvrisiko

Ved skade opkræver vi den selvrisiko, der gælder for policen. Din selvrisiko bliver forhøjet med 3.000 kr., hvis bilen var udlånt til en fører under 25 år, da skaden skete.

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.

SourceClause 1.CPage 1

Section: 1. Vigtig viden > C. Om anmeldelse af skade

Enhver skade skal anmeldes til os hurtigst muligt. Du kan anmelde skaden på vores hjemmeside eller ringe til os. ... Hvis skaden anmeldes for sent eller anmeldelsen ikke opfylder kravene, kan det få betydning for din ret til erstatning efter forsikringsaftaleloven.

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.

SourceClause 1.DPage 1

Section: 1. Vigtig viden > D. Om prisstigninger ved skader

Hvis du er uheldig at få en skade, stiger prisen for din bilforsikring ikke. Vi har dog mulighed for fx at pålægge dig forhøjet selvrisiko, opsige deldækninger eller stille krav om, at du efter en skade skal forebygge fremtidige skader.

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 roadside assistance (Vejhjælp/Vejhjælp PLUS) and rescue abroad.

Documents

Car Insurance Terms and Conditions (Vilkår nr. 10-10, April 2026) (opens in a new tab)

Terms & conditions · PDF

Car Insurance Product Information Document (PID) (opens in a new tab)

Product information sheet · PDF

Car Insurance product page (opens in a new tab)

Other document · PDF

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

Source

Charging cable and charging box coverage

Coverage for damage to charging cables and charging boxes (type-approved) for electric vehicles

Source

Section: Bilforsikring

Kører du på strøm , har vi særlige dækninger til batteri, ladekabler og ladeboks.

Driver 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

Source

Section: Tilpas din forsikring efter dine behov > Førerulykke

Dækker føreren, hvis der ikke er en anden ansvarlig skadevolder. Din bilforsikring med førerulykke dækker bl.a. ved tab af erhvervsevne, varige mén og tabt arbejdsfortjeneste.

Parking damage coverage (Parkeringsskadedækning)

Optional coverage for damage to the vehicle while parked

Source

Section: Tilpas din forsikring efter dine behov > Parkeringsskade uden selvrisiko

Dækker, så du ikke skal betale selvrisiko, hvis din lovligt parkerede bil bliver skadet ved påkørsel.

Preferred 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

Source

Section: Find svar i FAQ

Vælger du et af de værksteder, vi anbefaler, får du bl.a. stillet lånebil til rådighed i reparationstiden.

Age 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

Source

Section: Nye regler for 17-årige bilister

Bemærk, at vi opkræver en forhøjet selvrisiko på 3.000 kr. ud over den valgte selvrisiko ved skader.

Unlimited mileage

No mileage restrictions apply to LB Forsikring's car insurance

Source

Section: Bilforsikring

Du kan køre, så langt du vil, for vores bilforsikring har fri kilometer.

Deductible 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.

SourceClause 1.EPage 2

Section: 1. Vigtig viden > E. Om selvrisiko

Din selvrisiko bliver forhøjet med 3.000 kr., hvis bilen var udlånt til en fører under 25 år, da skaden skete.

Sources

LB Forsikring Motor third-party liability

Get a quote from LB Forsikring(opens in a new tab)Compare Motor third-party liability insurers in Denmark
Get a quote from LB Forsikring(opens in a new tab)