Extracted from source documents

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

Conditional

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.

Clause 24.3Page Side 14 af 15

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.

Covered

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.

Page 2

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.

Optional

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.

Page 1

Section: Hvad dækker den? > Vejhjælp

Vejhjælp via SOS Dansk Autohjælp

Optional

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.

Clause 21.1Page Side 11 af 15

Section: 21 Førerpladsdækning > 21.1 Hvad omfatter dækningen

Personskade på bilens fører ved kørselsuheld, hvor ingen andre motordrevne køretøjer er indblandet.

Covered

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.

Page 1

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.

Source

Section: 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

Policy specifics

Roadside assistance (optional add-on)

Optional roadside assistance coverage for breakdown and traffic damage in Denmark and Europe

Source

Section: 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

Source

Section: 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

Source

Section: 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

Source

Du 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 2

Section: Hvornår og hvordan betaler jeg?

Præmien betales via betalingsservice eller indbetalingskort.

Sources

Lokal Forsikring Motor third-party liability