Car insurance

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.

Covers fire, explosion, and lightning strike. In addition, attempted theft, burglary, as well as loss of the vehicle due to theft and robbery are covered.

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).

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.

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.

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.

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.

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.

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%.

You will receive an amount equivalent to the market value of the car + 10%.

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.

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

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.

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.

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.

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.

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.