Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden
Topdanmark
Topdanmark is a motor third-party liability insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Cash payment is only made if the car is declared a total loss; other damages are settled directly with the repair workshop, and liability claims are settled directly with the counterparty's workshop or insurer.
Geographic scope
Denmark
The reviewed Topdanmark pages do not specify the exact territorial scope of the liability cover (e.g. EU/EEA or Green Card countries); consult the full terms (vilkårsnr. 8815-1) for details.
Unique selling points
- Bundling multiple insurances (e.g. car and home) gives up to 12% combined discount.
- Drivers can reach 'elitebilist' (elite driver) status within a maximum of three years, regardless of age, lowering the premium.
- Roadside assistance comes with a one-hour time guarantee in Denmark, or the year's roadside premium is refunded if it is not met.
- Policyholders can choose a deductible as low as 0 kr. on the car insurance.
- Electric car owners get 0 kr. deductible on damage to the charging cable when casco is included.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
Mandatory liability cover for personal injury caused to others with the car; the reviewed pages do not state the exact statutory coverage sum, which is set and index-regulated by Danish law.
Property Damage Liability
Covered
No limit stated
Mandatory liability cover for damage caused to other people's property with the car; the reviewed pages do not state the exact statutory coverage sum.
Legal Assistance (Retshjælp)
DKK 225,000
Legal costs relating to private lawsuits connected to the insurance are covered up to 175,000 kr., and up to 225,000 kr. if the policyholder wins in first instance and the case is appealed by the counterparty.
Roadside Assistance
Optional
Optional roadside assistance across Denmark: an attempt is made to fix the fault on-site; if not possible, the car is taken to a partner or chosen workshop.
Driver Accident Insurance
Optional
A special accident insurance that covers the car's driver in a car accident, available as an optional add-on.
Passenger Liability Cover
Covered
The insurance covers your liability for damage to passengers in your car.
Key conditions
Territorial scope
Not specified in detail on the reviewed Topdanmark pages; the full terms (vilkårsnr. 8815-1) should be consulted for the exact geographic scope.
Green card rules
Not addressed on the reviewed Topdanmark pages.
Driver restrictions
An increased deductible of at least 9,501 kr. normally applies for liability and casco claims if a driver under 24 years causes the damage, unless the special young-driver cover has been added.
Claim notification deadline
Not specified on the reviewed Topdanmark pages.
Bonus-malus rules
Policyholders can become 'elitebilist' (elite driver) within a maximum of three years, which gives a lower price on the car insurance.