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.

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

In addition, attempted theft, burglary, and loss of vehicle in the event of theft and robbery are covered.

You get rescure assistance abroad for vehicles up to 3,500 kg. You will, for example, be covered for additional costs for home transport, unforeseen hotel stays at the accident site, towing, procurement of spare parts, etc.

You can download the red card app or print the red card yourself.

If you have been exposed to a violent experience that in our opinion has led to an acute mental crisis, we cover up to 10 hours of consultation with a psychologist.

With this coverage, you get a loan car made available while your own car is being repaired. If you use one of If's partner workshops, you get 100 km free driving per. day during the loan period.

The insurance covers damage caused by vandalism. In the case of serial vandalism, we cover without it affecting your price step and without charging any deductible.

Covers damage to your car, e.g. as a result of a crash, collision, parking and single-vehicle collision.

With this coverage, we cover the loan car for up to 14 days in the event of total write-off. In the event of theft or robbery of your car, we cover until your car is found again or up to 35 days.

If the car is less than 3 years old, you will receive what corresponds to your purchase price on the first date of registration. If the car is more than 3 years old, you get what corresponds to the car's trade price + 10%.

You get the equivalent of the car's trading price + 10%.

The insurance covers compensation for impairment after a covered damage on a third party, where the repair costs exceed DKK 20,000. We compensate you with up to 10% of the repair costs.

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

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 must be brand new and that the leasing period be at least 12 months.

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.

If a damage is more expensive than DKK 5,000, it is not covered, but can be repaired on your comprehensive insurance and you will be charged the self-selected deductible.

Note that yellow plates or parrot plates are not covered.

With If Roadside Assistance, you can get help from our partner Viking Assistance, eg if your car cannot start or punctures.

You can read more about the coverage in our terms and conditions (in Danish)

With this additional cover you can rest at ease when lending your car to young people under 25. If the young driver causes any injury or damages, you avoid the extra deductible of DKK 5,000.

In addition, your children under the age of 25 living at home can save up to 5 years of bonus on your car insurance, as long as they have a driver's license and you have this insurance.

They can later use this bonus when insuring their own car at If.

Read more about the cover in our terms (dk)

Covers the driver of the car, eg if you are in a single accident where you hit a tree - ie. in the event of damages where there is no liable counterparty.

Coverage includes i.a.

• expenses for doctor, medicine and transport in connection with treatment
• loss of earnings
• burning and pain
• permanent injury, but at least 5% permanent loss of
• earning capacity, but not less than 15%
• compensation for loss of provider to the driver's survivor
• funeral assistance

With this coverage, you do not have to pay deductible nor does it affect your price step.

No-deduct covers:

• Fire, explosion, short circuit and lightning strike
• Theft and robbery of the car and vandalism in connection with theft and robbery
• Falling objects
• Collision of larger mammals
• Parking damage when the car is parked legally and the damage is caused by unknown tortfeasor.
• Theft, as well as vandalism and damage to the charging cable for electric and hybrid cars.
• Damage to 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 with up to DKK 4,000. We cover expenses for the lost person key and transcoding.

With this coverage, we cover repairs of the car's windscreen without charging deductible and without significance for your price step.

We cover replacement of glass without it affecting your price step and with half deductible in relation to the self-chosen.

The following glass damage is covered:

• Windshield, side windows and rear window
• Glass, solar, panoramic glass roofs and the like
• Cabin separation
• Mirror and lens