Storstrøm Forsikring g/s

Territorial scope

The liability insurance covers driving in all EU countries and in non-EU countries participating in the international Green Card scheme, applying the visited country's legislation but at least the Danish sums.

Green card rules

The Green Card is an international insurance certificate documenting that the owner/user has mandatory liability cover while driving abroad; it lists all countries participating in the scheme.

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.

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.

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.

Roadside assistance

Storstrøm Vejhjælp provides assistance for breakdown and emergencies while driving, including towing services within Europe

Fresh damage protection / No deductible option

Optional coverage that eliminates deductible for specific damage types including fire, theft, vandalism, animal collision, and falling objects

Loan car / Replacement vehicle

Provision of a replacement vehicle at authorized repair shops when the insured vehicle requires repair following a covered claim

Glass damage coverage

Coverage for repair of glass, mirrors and light units without deductible; fixed deductible applies for windscreen and light unit replacement

Electric vehicle coverage extension

Optional coverage for electric and hybrid vehicles covering damage to charging cables, adapters, chargers and charging stations without deductible

Glass damage cover

Optional add-on to comprehensive insurance covering repair or replacement of glass, mirror and light-unit glass without the usual deductible; a fixed deductible of DKK 1,500 applies when replacing a windscreen or an entire light/mirror unit.

Mandatory liability insurance

Third-party liability insurance is mandatory by law for all vehicles in Denmark; covers passenger injury and third-party property damage

Comprehensive insurance (optional)

Optional comprehensive coverage for own vehicle damage including theft, vandalism, fire, and breakdown/accident assistance abroad within Europe

Stationary insurance

Coverage for vehicles not in regular use; can only include fresh damage protection and certain optional coverages

Vehicle valuation method

Damage assessment uses Taksatorringen (Danish damage assessor ring), a neutral independent valuation service used by multiple insurers

Customizable deductible amounts

Insured can select deductible amount for comprehensive coverage; affects both premium and out-of-pocket costs

International Green Card coverage

Coverage extends to countries participating in international Green Card system for documented third-party liability proof