Lokal Forsikring G/S (Mutual Insurance Company)
Lokal Forsikring
Lokal Forsikring is a motor third-party liability insurance for the Denmark market with no online purchase and limited assistance availability.
Direct payment
The insurer advances the deductible and any VAT to the repairer/injured party directly and subsequently invoices the policyholder; repairs must be agreed with the company (and a loss adjuster called in) before being carried out, except minor repairs needed to make the vehicle roadworthy; reasonable transport costs to the nearest repairer are paid by the company.
Geographic scope
Denmark
Denmark and all countries party to the Green Card scheme (Europe and non-European Green Card countries); if separate foreign cover exists, this policy applies only subsidiarily
Unique selling points
- The listed premium does not increase after a claim under the bonus system marketing message; only the deductible is paid by the insured for the claim itself.
- No deductible for glass damage repairs when comprehensive (casco) cover is held.
- Free loan car through the contracted workshop network for comprehensive (casco) claims.
- The Red Card rescue scheme, included free with casco cover, gives roadside assistance in more countries (e.g. Greenland, Faroe Islands, Turkey) than standard roadside assistance.
- Coverage explicitly extends to electric and hybrid vehicles.
Coverage limits
Bodily injury liability
Covered
Covers the insured's legal liability for personal injury caused by use of the vehicle, in Denmark with the sums at any time laid down in the Danish Road Traffic Act (index-regulated, no fixed figure stated); abroad in Green Card countries at local sums, but never less than the Danish sums.
Property damage liability
Covered
Covers the insured's legal liability for damage caused to other people's property by use of the vehicle, with the statutory sums under the Road Traffic Act in Denmark and local/minimum Danish sums abroad under the Green Card scheme.
Legal expenses insurance
DKK 75,000
Covers legal costs relating to certain private disputes that can be brought before the courts where the policyholder is a party as owner, user or driver, capped at DKK 75,000 per event; only available when comprehensive (casco) cover is also held, and does not cover commercial vehicles; the insured's deductible is 10% of total costs, minimum DKK 2,500, waived if free legal aid is granted.
Green Card / foreign liability cover
unlimited
The Green Card documents that a statutory liability insurance exists for the owner/user when driving abroad; cover applies in all countries party to the Green Card scheme, with the summer applicable in each country, but never less than the sums applicable in Denmark.
Roadside assistance (Denmark/Europe)
Optional
Roadside assistance for breakdown and traffic damage in Denmark and Europe can be purchased as an add-on to the liability (ansvar) policy via SOS Dansk Autohjælp; this is separate from the Red Card rescue scheme, which is only automatically included when comprehensive (casco) cover is held.
Driver's seat accident cover (Førerplads)
Optional
Optional add-on to the liability policy covering personal injury to the driver of the insured car in a single-vehicle accident where no other motor vehicle is involved; compensation is assessed under the Danish Liability for Damages Act (e.g. loss of earnings, pain and suffering, permanent injury), and is only paid if compensation cannot be obtained from another liability or occupational injury insurance.
Passenger personal injury
Covered
The compulsory liability insurance covers personal injury to passengers and other persons caused by use of the vehicle, compensated under the statutory sums and rules of the Road Traffic Act / Liability for Damages Act.
Key conditions
Territorial scope
Cover applies in Denmark and in countries party to the Green Card scheme, covering Europe and non-European Green Card countries; if another foreign policy exists, this policy applies only subsidiarily; vans/trucks over 3.5 tonnes total weight are covered abroad only by special agreement.
Green card rules
In Green Card countries, liability cover applies at the sums applicable in that country, but never less than the sums applicable in Denmark; the Green Card / red SOS service card should be carried when driving abroad.
Driver restrictions
An additional deductible of DKK 2,700 applies when the driver is under 25 years old, unless the driver is the policyholder, their spouse/cohabitant, or the vehicle is a van belonging to a VAT-registered business.
Claim notification deadline
Claims covered by the insurance must be reported to the company as soon as possible; the company may reject comprehensive (casco) claims not reported within 30 days of the date of loss; theft and robbery must be reported to the police immediately.
Bonus-malus rules
The policy uses a claims-based premium/bonus-class system: two full claim-free insurance years move the policyholder one bonus class forward (lower premium); one claim within two consecutive years keeps the same class for an extra year; more than one claim within two consecutive years moves the policyholder one class back (higher premium), with a further class back per additional claim; drivers already in the top bonus class (class 6) do not move back regardless of claims history. Certain claim types (e.g. friskade, parking damage, driver's-seat, legal-expenses claims, or claims while the vehicle was with a workshop or new owner) do not affect the bonus class.
Policy specifics
Rescue insurance abroad (Red Card scheme)
Automatic roadside assistance and rescue coverage in foreign countries included with comprehensive insurance
SourceClaim-free coverage (Friskade)
Optional add-on that eliminates or reduces deductibles for certain claim types such as glass damage, fire, theft, and animal collision
SourceLoan car provision
Free loan car provided during repair period if damage is repaired at contracted workshop
SourceRoadside assistance (optional add-on)
Optional roadside assistance coverage for breakdown and traffic damage in Denmark and Europe
SourceContracted workshop network
Claims can be repaired at Lokalforsikring's network of contracted workshops, offering loan car and extended warranty benefits
SourceFixed premium policy
Premium does not increase after a claim is filed, only deductible is paid by the insured
SourceDeductible flexibility
Policyholder can select from multiple deductible amounts for both liability and CASCO claims
SourceMonthly payment option
Premium can be paid monthly, quarterly, semi-annually, or annually via payment service or transfer card
Source