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  1. Private
  2. Insurances
  3. Car insurance

Get off to a good start and get great cover with a car insurance from If.

  • Insurance Company of the Year

    For the third time in succession the Danish automobile dealers’ association Autobranchen Danmark declared If Insurance Company of the Year 2018.

  • Roadside assistance

    You get roadside assistance on the go with a comprehensive motor insurance.

  • Courtesy car

    With a comprehensive motor insurance you are offered a courtesy car while your own car is being repaired.


A third-party car insurance is a statutory requirement when you own a car in Denmark. A third-party insurance covers the damage you and your car might cause to other people, their belongings or their vehicles. However, this type of insurance does not cover injury to yourself or damage to your car.
If you want to cover your own car against theft or damage you need a more extensive car insurance: we offer four types of car insurance in addition to our Third-party Insurance (Ansvar): Third party, fire & theft (Delkasko), Comprehensive (Kasko), Comprehensive Plus (Comprehensive Plus) and Car/Leasing Super (the most comprehensive).
Calculate your car insurance here (da)

Car insurance Car Super (most compre-hensive) Leasing Super (most compre-hensive) Compre-hensive Plus Compre-hensive Third party, fire & theft Third party
Third party

Covers damage you as a driver cause to other people, their belongings or their vehicles.

If you hit a cyclist with your car, for example, the car insurance will compensate the cyclist.

Theft of the car or its parts

Covers both damage to your car inflicted during theft attempts and the loss of your stolen car or car parts.

Fire, lightning, explosion, and short circuit

Covers damage caused by fire, lightning, explosion or short circuit.

Legal expenses insurance

May cover legal fees and other costs associated with conducting a case, if you need to settle a conflict in court.

Roadside assistance abroad

Covers roadside assistance abroad provided by SOS International and the Nordic "Red Card".

The cover includes additional repatriation expenses, unexpected hotel stays at the scene of the accident, towing, procurement of spare parts etc.

Courtesy car (If assigns the repair shop)

Covers a courtesy car while your own car is being repaired.

Extra car equipment (up to DKK 20,000)

Covers extra non-factory-fitted car equipment up to DKK 20,000, including alarms and child car seats.

Damage to the insured car

Covers damage to your car, e.g. as a result of a crash, collision, parking, single-vehicle collision or total write-off.

Driver Injury Cover

Covers the driver of the car in the event of a single vehicle collision for which no party is responsible, e.g. hitting a tree.

In some cases the Driver Injury Cover and the No Claims Cover in the event of a collision with an animal (Comprehensive Plus) are not part of Car Super. They may be provided with some Car Brand Insurances, or car insurances bought at dba.dk, BilBasen.dk, GulogGratis.dk or Autobutler.dk.

The policy will show whether you have Comprehensive Plus or Car Super as part of your car insurance.

No-Claims Cover in the event of collision with an animal

Covers collisions with larger mammals without a price adjustment or a drop in level. We will also reduce your excess by up to DKK 3,000.

In some cases the Driver Injury Cover and the No Claims Cover in the event of collision with an animal (Comprehensive Plus) are not part of Car Super. They may be provided with some Car Brand Insurances, or car insurances bought at dba.dk, BilBasen.dk, GulogGratis.dk or Autobutler.dk.

The policy will show whether you have Comprehensive Plus or Car Super as part of your car insurance.

Extended courtesy car in the event of theft

Covers a courtesy car for up to 35 days while you wait to get your own car back after a theft or car robbery.

Extended compensation in the event of a total write-off

In the event of a total write-off you get the equivalent of the car's purchase price at the time of the initial registration if your car is less than 3 years old.

If the car is more than 3 years old you get the equivalent of the trading price + 15%.

Extended theft cover

You get the equivalent of the car's trading price + 15%.

Engine and mechanical damage

Covers sudden damage to the car's engine, incl. the electronic steering, the gearbox/transmission, the fuel system, the brakes and the complete steering.

First leasing payment

Covers your first leasing payment if your car is stolen or is a total write-off.

You may get the first leasing payment refunded – up to DKK 25,000 in the first year, DKK 15,000 in the second year, DKK 10,000 in the third year and DKK 7,000 in the fourth year.

The only requirement is that the car be brand new and that the leasing period be at least 12 months.

Restitution Insurance*

Covers the same damage as the comprehensive motor insurance, when the repairs can be carried out for a max. of DKK 5,000, and with a total maximum compensation for all damage of DKK 25,000.

The Restitution Insurance excess is DKK 5,000, regardless of the number of claims.

The leasing period must be 12-36 months, and the car must have driven a maximum of 120,000 km at the time of return. The insurance also covers discontinued leases, though they must have been in force for at least 12 months.

* Excl. commercial and semi-commercial cars.

Additional cover

For those who want to be on the safe side

GATHER YOUR INSURANCES

Get up to 15% discount
  1. Private
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  3. Car insurance