
Lokal Forsikring Motor third-party liability (Mtpl Standard)
Underwritten by Lokal Forsikring G/S · Denmark
motor third-party liability insurance from Lokal Forsikring for the Denmark market.
Verified Sep 1, 2026 · Terms dated 2023-06-07Sources
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.
Coverage explicitly extends to electric and hybrid vehicles.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal expenses insurance
DKK 75K
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.
Section: 24 Retshjælpsforsikring
Dækningen er begrænset til kr. 75.000 pr. forsikringsbegivenhed. Sikredes selvrisiko er 10 % af de samlede omkostningerne, dog mindst kr. 2.500.
Green Card / foreign liability cover
Covered
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.
Section: Hvor er jeg dækket?
Forsikringen dækker Europa samt i de lande udenfor Europa, der er tilsluttet Grøntkort-ordningen. Det grønne kort er dokumentation for, at der foreligger en lovpligtig ansvarsforsikring for ejer/bruger under kørsel i udlandet.
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.
Section: Hvad dækker den? > Vejhjælp
Vejhjælp via SOS Dansk Autohjælp
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.
Section: 21 Førerpladsdækning > 21.1 Hvad omfatter dækningen
Personskade på bilens fører ved kørselsuheld, hvor ingen andre motordrevne køretøjer er indblandet.
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.
Section: Hvad dækker den? > Ansvarsforsikring
Ansvarsforsikringen dækker: - Personskade på passagerer og andre personer
Key conditions
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
Fixed premium: the price of the car insurance does not increase after a claim; only the chosen deductible is paid.
SourceSection: Fordele ved vores nyeste bilforsikring
Hos os får du en fast pris. Det betyder, at din bilforsikring ikke bliver dyrere, hvis du er uheldig og får en skade. Det eneste du kommer til at betale, er din valgte selvrisiko.
Territorial scope
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
Documents
Terms and conditions for motor vehicle insurance - No. 4101.01.2004 (opens in a new tab)
Terms & conditions · PDF
Car insurance IPID (EU product sheet) - No. 4101.01.2004 (opens in a new tab)
Product information sheet · PDF
Car insurance IPID - No. 4102.02.2023 (opens in a new tab)
Product information sheet · PDF
Policy specifics
Roadside assistance (optional add-on)
Optional roadside assistance coverage for breakdown and traffic damage in Denmark and Europe
SourceSection: Fordele ved vores nyeste bilforsikring
Du kan tilkøbe vejhjælp i Danmark og Europa via både kaskoforsikring og ansvarsforsikring.
Contracted workshop network
Claims can be repaired at Lokalforsikring's network of contracted workshops, offering loan car and extended warranty benefits
SourceSection: Derfor bør du vælge vores aftaleværksteder
Reklamationsretten udvides med 1 år, udover de 2 år, som er lovpligtige.
Fixed premium policy
Premium does not increase after a claim is filed, only deductible is paid by the insured
SourceSection: Fordele ved vores nyeste bilforsikring
Præmien på din bilforsikring stiger ikke efter skade.
Deductible flexibility
Policyholder can select from multiple deductible amounts for both liability and CASCO claims
SourceDu kan vælge mellem forskellige selvrisikostørrelser.
Monthly payment option
Premium can be paid monthly, quarterly, semi-annually, or annually via payment service or transfer card
SourcePage 2Section: Hvornår og hvordan betaler jeg?
Præmien betales via betalingsservice eller indbetalingskort.
Sources
- lokal.dkhttps://lokal.dk/privat/forsikringer/bil/(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2023/10/4101.01.2004.pdf#page=11(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2023/10/4101.01.2004.pdf#page=14(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2023/10/4101.01.2004.pdf#page=7(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2024/06/ipid-bil.pdf#page=1(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2024/06/ipid-bil.pdf#page=2(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2024/06/lokal_forsikring_ipid_euproduktark_bil.pdf#page=1(opens in a new tab)
- lokal.dkhttps://lokal.dk/wp-content/uploads/2024/06/lokal_forsikring_ipid_euproduktark_bil.pdf#page=2(opens in a new tab)
Lokal Forsikring Motor third-party liability