Car Insurance

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Coverages	Leasing Super	Car Super	Comprehensive	Partial-Comprehensive	Liability
The insurance covers the damages you, as the driver of your vehicle, cause to other people, their belongings, and vehicles. For example, if you hit a cyclist, we cover the compensation for the cyclist.	Included	Included	Included	Included	Included
"Covers fire, short-circuit, explosion, and lightning strike. In addition, attempted theft, burglary, as well as loss of the vehicle due to theft and robbery are covered.	Included	Included	Included	Included	Not included
You receive roadside assistance in Europe for vehicles up to 3,500 kg. This includes coverage for additional expenses for repatriation, unforeseen hotel stays at the accident site, towing, provision of spare parts, and more. Please note that If Roadside Assistance Europe does not cover Denmark. If you wish to be covered in Denmark, you should purchase If Roadside Assistance Denmark (add-on).	Included	Included	Included	Included	Not included
If you have experienced a traumatic event, which, in our assessment, has led to an acute psychological crisis, we cover up to 10 hours of consultations with a psychologist.	Included	Included	Included	Included	Not included
With this coverage, you will be provided with a rental car while your own car is undergoing repairs. If you use one of If's recommended workshops, you will have 100 km of free driving per day during the rental period.	Included	Included	Included	Included	Not included
The insurance covers damages caused by vandalism. In the case of serial vandalism, we provide coverage without affecting your premium level and without charging a deductible.	Included	Included	Included	Not included	Not included
The insurance covers the damages incurred by your motor vehicle, for example, as a result of collisions, impacts, and single-vehicle accidents. If you have an electric car and there is damage to the battery in connection with a covered claim (comprehensive), it is covered just like the rest of the car's components. However, this does not apply to leased batteries.	Included	Included	Included	Not included	Not included
With this coverage, we provide a rental car for up to 14 days in case of total loss. In the event of theft or robbery of your car, we cover until your car is found again or up to 35 days. If you use one of If's recommended workshops, you will have 100 km of free driving per day during the rental period.	Included	Included	Not included	Not included	Not included
If the car is under 3 years old, you will receive an amount equivalent to the purchase price on the first registration date. If the car is over 3 years old, you will receive an amount equivalent to the market value of the car plus 10%.	Not included	Included	Not included	Not included	Not included
You will receive an amount equivalent to the market value of the car + 10%.	Not included	Included	Not included	Not included	Not included
The insurance covers compensation for depreciation after an eligible comprehensive claim, where the repair costs exceed 20,000 DKK. We will compensate you with up to 10% of the repair costs.	Not included	Included	Not included	Not included	Not included
The insurance covers sudden and unforeseen mechanical or electrical failures that prevent the vehicle from running for gasoline, diesel, and hybrid cars: Engine Electronic control Transmission/driveline Fuel system Brakes Undercarriage/steering For electric and hybrid cars, the following are also covered: Electric motor High-voltage battery and high-voltage cable including charging plug in the car Cooling system for the high-voltage battery including sensors Monitoring system for the high-voltage battery Inverter Charger Factory-installed battery charger in the car (built-in charger) Coupling unit between the combustion engine and electric motor	Not included	Included	Not included	Not included	Not included
With Leasing Super, you will be refunded your initial down payment in case of total loss or theft, up to a maximum of 25,000 Danish kroner in the first year, 15,000 Danish kroner in the second year, 10,000 Danish kroner in the third year, and 7,000 Danish kroner in the fourth year.	Included	Not included	Not included	Not included	Not included
The coverage includes damages covered by the car's comprehensive insurance, each of which can be repaired for a maximum of 5,000 DKK, with a total compensation for all damages of up to 25,000 DKK. The total deductible is 5,000 DKK regardless of the number of damages. If a damage exceeds 5,000 DKK, it is not covered but can be repaired under your comprehensive insurance, and you will be charged the chosen deductible. Please note that yellow plates or 'papegøjeplader' are not covered.	Included	Not included	Not included	Not included	Not included

Optional add-ons	Leasing Super	Car Super	Comprehensive	Partial-Comprehensive	Liability
With If Roadside Assistance Denmark, you can receive assistance from our partner, Viking Assistance, for example, if your car won't start or if you have a flat tire. You can read more about the coverage in our terms and conditions.	Included	Included	Included	Included	Included
With this optional coverage, you can confidently lend your car to individuals under 25 years old, as you avoid the additional deductible of 5,000 DKK if the young driver causes damage. Furthermore, your children under 25 years old who live at home can accumulate up to 5 years of seniority on your car insurance, as long as they have their own driver's license and the insurance is valid. They can later use this seniority if they insure their own car with us. Read more about the Young Driver coverage in our terms and conditions. Is the young driver using the car regularly? If individuals under 25 years old are using the car regularly - perhaps just as much or even more than you do - they should be listed as regular users on the car insurance policy. In this case, the Young Driver add-on is not sufficient. You can add the young driver as a user by calling us at 70 12 12 12.	Included	Included	Included	Included	Included
Covers the driver of the car, for example, in the case of a single-vehicle accident, such as hitting a tree - meaning for damages where there is no liable third party. Coverages include: Expenses for medical treatment, medication, and transportation related to treatment Loss of earnings Pain and suffering Permanent disability, at least 5% Permanent loss of earning capacity, at least 15% Compensation for loss of provider for the driver's dependents Funeral assistance	Included	Included	Included	Included	Included
With this coverage, you do not have to pay a deductible, and it also does not affect your premium level. No-deduc coverage includes: Fire, explosion, short circuit, and lightning strike Theft and robbery of the car and vandalism related to theft and robbery Falling objects Collision with mammals and birds Parking damage, when the car is legally parked, and the damage is caused by an unknown culprit Theft, vandalism, or damage to charging cables for electric and hybrid cars Damages from martens, mice, and rats in the car's engine compartment or interior Theft of one or both license plates Loss and theft of car keys up to 4,000 Danish kroner. We cover expenses for the lost key and recoding. You can read more about the coverage in our terms and conditions.	Included	Included	Included	Not included	Not included
With this coverage, we cover repairs to the car's windshield without charging a deductible and without affecting your premium level. We cover glass replacement without it affecting your premium level and with half the deductible compared to the one you selected. The following glass damages are covered: Windshield, side windows, and rear window Glass, sunroof, panoramic glass roof, and similar Cabin partition Mirror and headlight glass You can read more about the coverage in our terms and conditions.	Included	Included	Included	Not included	Not included

Coverages

Car Insurance with Liability Coverage

According to the law, every car owner must have one type of car insurance: Liability insurance. It is necessary, for example, if you were to collide with a cyclist, as liability insurance covers the damages to both the cyclist and their bike – however, it does not cover damages to your own car.

In addition to the mandatory liability insurance, you can choose from 4 different car insurance options with comprehensive coverage: Partial Coverage, Comprehensive Coverage, and Car Super / Leasing Super.

The choice of which of our car insurances to select depends partly on your car's age and market value, how dependent you are on it, and how often – or how seldom – you experience damages.

Car Insurance with partial-comprehensive coverage

If you choose car insurance with partial coverage, you will, among other things, have coverage for damages resulting from fire and theft, as well as legal and roadside assistance abroad.

This car insurance does not cover damages that you are personally responsible for and is most commonly used for slightly older cars with a lower market value.

Partial-comprehensive coverage covers:

Mandatory liability insurance
Theft and robbery of the car
Theft of car parts
Damages after attempted theft
Break-ins Fire, lightning, explosion, and short-circuiting
Roadside assistance abroad
Legal assistance
Rental car
Additional equipment up to 50,000 kroner
Psychological crisis help

Car Insurance with Comprehensive Coverage

Car insurance with comprehensive coverage is one of the most common car insurances in Denmark. If you have a loan or other lien on your car, the lender will often require you to have car insurance with comprehensive coverage for your vehicle.

Comprehensive coverage covers:

Everything that Partial Coverage covers
All damages that you or another driver of the car are responsible for
All damages that the opposing party is required to pay. You won't have any hassle – and your car will be repaired immediately. We simply pay for the repair of your car – and take care of getting the money from the opposing party's insurance company.
Damages inflicted on the insured vehicle, such as collisions, impacts, parking damage, or single accidents.

Car insurance with Car Super

Car Super is our most comprehensive car insurance and is a completely unique product with us. Car Super provides you with greater financial freedom to buy a new car if the old one has been totaled or stolen. You'll receive a higher compensation than usual.

Car Super covers:

Everything that Comprehensive Coverage covers
If your car is stolen, the car insurance will replace it at the market price plus an extra 10%.
If your car is under three years old and becomes totaled, you'll receive compensation for a new car. If the car is over three years old, the car insurance will replace it at the market price plus an extra 10%.
If your car has a covered comprehensive claim, where the repair costs exceed 20,000 kroner, we'll compensate you with 10% of the repair costs.
Normally, you only get a replacement car at no charge if your car needs to be repaired. With this car insurance, you'll also get a replacement car at no charge for up to 5 weeks if your car is stolen.
If the engine cannot be repaired, the car insurance will ensure it is replaced, provided the old engine has been properly maintained.
With a Car Super car insurance, you also get coverage for unforeseen motor or mechanical damages that prevent the car from running, such as damages to the electronic control, gearbox, brakes, or fuel system.

With a Car Super insurance, you get an exceptionally comprehensive coverage at a reasonable price. All it takes is for your car to be under 7 years old and to have driven less than 150,000 km.

Leasing Super Car Insurance

If you buy a brand-new car from one of the car dealerships we have a brand agreement with, you can get our special leasing-adapted insurance, Leasing Super.

Leasing Super covers:

Refund of the initial payment if the car is stolen or totaled. This coverage ensures that you don't lose the money you paid at the start of the lease agreement if the car is totaled or stolen.
Extended rental car in case of total loss, robbery, and theft. In case of theft and robbery, you'll have access to a rental car for up to 35 days, while in case of total loss, it's up to 14 days.
Return insurance for leasing cars with white license plates. The coverage includes comprehensive damages, each of which can be repaired for a maximum of 5,000 kroner and with a total compensation for all damages of up to 25,000 kroner.

How Can I Insure My Leased Car?

If you lease a brand-new car, you can choose from all our car insurances: Liability, Partial Coverage, Comprehensive Coverage, and Leasing Super.

You can always purchase the first four through our webshop, whether the leased car is brand new or used.

However, there are special rules for our most comprehensive insurance, Leasing Super:

The car must be purchased through a car dealer with whom we have a brand agreement
The car must be brand new when the insurance takes effect.
Leasing Super must be purchased either from the dealer or via our Customer Center within 3 months from the car's first registration date.
The leasing company must be approved by us. Feel free to contact us if you're unsure.

Terms and conditions, purchase terms and product info

Terms and conditions for Car Insurance
Here you will find our latest terms and conditions. If you have an older version of our insurance, you may have different terms than these.

Terms - Car Insurance (in Danish)
Terms - Leasing Cars (in Danish)

You can find your terms and conditions in 'My Pages' under both 'My Insurances' and 'Documents'.
Purchase terms
You can find our purchase terms here:

Information on purchase of insurance (in Danish)
Product info
Read more about the insurance in our insurance product information document:
- Product info about Car Insurance (in Danish)
- Product info about Insurance for leased cars (in Danish)

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