Storstrøm Forsikring Motor third-party liability (Bilforsikring Ansvar)

Legal defence insurance (retshjælp) covering up to DKK 500,000 per claim is included as standard within the mandatory liability policy, rather than sold separately.

Storstrøm Vejhjælp roadside assistance can be added to a liability-only policy, without requiring comprehensive (kasko) cover.

Car damage claims are assessed via Taksatorringen, an independent, neutral valuation service, supporting fair and swift claims handling.

Liability cover automatically extends to all EU countries and all Green Card scheme countries at no extra charge.

Driver restrictions

Anyone lawfully using the car, or driving it with the policyholder's permission, is covered as insured. Liability insurance does not cover damage to the driver's own person or to property owned by the driver, the regular user, the policyholder or their spouse/partner; cover is excluded if the driver lacked a valid licence, acted with intent or gross negligence, or was under the influence of alcohol or drugs, unless the insured can show the injury was unrelated.

Section: 5. Hvilke skader dækker forsikringen? > 5.1. Ansvarsforsikring

Forsikringen dækker ikke ansvar for skade på førerens person på ting eller ejendom der tilhører føreren, den faste bruger, forsikringstager, disses ægtefælle/samlever eller virksomheder, der helt eller delvist ejes, af nævnte personkreds

Claim notification deadline

Report a claim as soon as possible via storstrom.dk or by phone on 5555 8888; theft and vandalism must always be reported to the police in the country where it occurred, and as soon as possible.

Section: Aftalegrundlaget > Anmeld skade

Anmeld skaden på storstrom.dk eller telefon 5555 8888, hurtigst muligt. Tyveri og hærværk skal altid anmeldes til politiet i det land, hvor skaden er sket, og hurtigst muligt

Bonus-malus rules

The policy has a fixed price with no step-based (bonus-malus) premium increase after a claim — the price does not rise because of a claim. The insurer does, however, reserve the right to individually reassess the policy's terms, deductible or price if it deems it necessary, e.g. after a high number of claims.

Section: 7. Skadeskonsekvens

Din bilforsikring har en fast pris, så der sker ikke trinregulering, hvilket betyder, at prisen ikke stiger, når du har haft en skade. Vi har dog ret til at foretage en individuel vurdering af din bilforsikrings vilkår, pris mv., hvis vi vurderer det nødvendigt fx ved mange skader.

Territorial scope

Covers all EU countries and non-EU countries participating in the international Green Card scheme; in Denmark with the statutory sums under the Road Traffic Act, abroad with local sums or Danish sums if higher.