Pending review

Topdanmark Motor third-party liability (Ansvarsforsikring Bil)

Underwritten by Topdanmark · Denmark

motor third-party liability insurance from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.

Last verified Sep 1, 2026Sources

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Key facts

Topdanmark

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.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Optional

Legal Assistance (Retshjælp)

DKK 225K

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.

Section: Retshjælp > Hvad dækker retshjælp?

Dine sagsomkostninger med op til 175.000 kr. Op til 225.000 kr., hvis du har fået medhold i første instans, og sagen bliver anket af din modpart

Covered

Green Card

Covered

No limit stated

Within the EU the liability cover applies the same as in Denmark; outside the EU it only applies in Green Card countries: Albania, Azerbaijan, Israel, North Macedonia, Morocco, Moldova, Tunisia, Turkey and Ukraine.

Section: Vejhjælp til bil > Typiske spørgsmål om vejhjælp > Hvordan er jeg dækket, når jeg kører i udlandet?

Bil- og MC-forsikringen dækker dig på samme måde i hele EU. Uden for EU dækker den kun i de lande, der er med i grønt kort-ordningen, dvs.: Albanien, Aserbajdsjan, Israel, Nordmakedonien, Marokko, Moldova, Tunesien, Tyrkiet og Ukraine.

Optional

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.

Section: Vejhjælp til bil > Vi hjælper dig godt videre – på vejen eller på værksted

Først vil vi forsøge at udbedre skaden på stedet. Hvis det ikke kan lade sig gøre, kører vi bilen til et af vores mange fordelsværksteder eller til et værksted, du selv vælger.

Optional

Driver Accident Insurance

Optional

A special accident insurance that covers the car's driver in a car accident, available as an optional add-on.

Section: Bilforsikring > Tilvalg: Gør din dækning endnu bedre

En særlig ulykkesforsikring, der dækker bilens fører i en bilulykke.

Covered

Passenger Liability Cover

Covered

The insurance covers your liability for damage to passengers in your car.

Section: Ansvarsforsikring til bil > Husk den lovpligtige ansvarsforsikring

Dertil dækker forsikringen dit erstatningsansvar for skader på passagerer i din bil.

Key conditions

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.

Territorial scope

The liability cover applies throughout the EU in the same way as in Denmark; outside the EU it applies only in Green Card countries: Albania, Azerbaijan, Israel, North Macedonia, Morocco, Moldova, Tunisia, Turkey and Ukraine.