Every Danish inhabitant who owns a car needs a car insurance. All cars must be covered by third party liability insurance. The main goal of this third-party liability insurance is to cover injury or damages that may be caused to other people or their car. It is in Denmark compulsory to have liability insurance before you can register your vehicle. There are different types of car insurances in Denmark. You can get the third-party liability coverage, but also extend this with many additional coverages that can be combined in different ways. You can get the insurance tailored to your personal needs. Once you have found the perfect coverage you can easily arrange everything online.
There are 2 types of general insurances in Denmark:
1: Compulsory third-party liability coverage (ansvarsforsikring in Danish). As explained above it covers any injury to other people that you may cause when using your car. Moreover, it covers liability for any damage you may cause to other people’s property. Also, it covers the to-bar on your car. Note that if you drive with trailer or a caravan that these must be ensured separately.
2: Comprehensive insurance (kascoforsikring in Danish); covers the damage or loss to the vehicle – this is not compulsory. Most Danish car owners have this extra coverage since it only costs a small additional payment and the benefits can be huge. If you have an old car – this may be not worth the extra money, but if your car is in good state; it would be smart to take out this additional coverage.
You can also take out a third-party liability insurance and add several additional coverages which can be combined in different ways. Additional coverages can be: theft, damages caused by fire or collision, road assistance abroad or legal aid and rescue aboard. You can add these additional coverages on the website of the insurance company.
Insurance for an imported car
It is not possible to take out a car insurance for vehicles registered in another country outside Denmark. The vehicle should be imported and registered within 14 days of obtaining a CPR number (personal identification number) or within 14 days of arrival in Denmark.
Comparing car insurance in Denmark
There are multiple Danish car insurance companies on the market. Companies like GF Forsiking, Samlino.dk, Idaforsikring and Tjenestetorvet are the most frequently used car insurance companies in Denmark. Comparing all car insurance companies can be time-consuming. We have listed the most reliable car insurance companies in Denmark below.
|› Samlino.dk||✓||✓||✓||› Gfforsikring.dk||✓||✓||✓|
Car insurance premiums can vary between companies. It would be wise to obtain a different quotes before taking out a car insurance. Each insurance company has their own system of no-claim policy. Always be sure to check if the no claim bonus from your country can be transferred to a Danish policy. Are you wondering which company offers the best premiums and which company is more flexible with their no-claim policy? We have listed the best car insurance companies in Denmark below.
The best car insurance in Denmark
GF forsikring offers automobile, property and accident insurance in Denmark. The company was founded in 1999 and is a well-known insurer in Denmark. It has established a huge customer base over the years and it is one of the most used car insurance companies in Denmark. It has a customer base with over 1 million people in the Scandinavian countries. Because of their huge customer base, they can offer unique advantages that other insurance companies can’t. Gfforsikring.dk can for example offer a cheaper premium then most other car insurance companies. Their main advantage is that they offer clear contracts which are easy understandable for non-Danish speakers. GF Forsikring presents itself as a non-profit insurer. They do not make money for shareholders, and they will lower the premiums next year with the profits of this year. If you have any questions, you can always contact their English-speaking customer support. You don’t even have to get out of your chair.
Samlino.dk is the largest comparison website in Denmark. This website enables you to get car insurance offers from different companies. In that way you can choose the company that fits best to your personal budget and preference. The quotations are 100% free of charge. Samlino.dk appears to be independent, but these comparison websites often get a bonus from the particular insurance company they recommend. It is however a good platform to inform yourself about the different car insurance companies in Denmark. We would strongly advise you to take out a car insurance over GF Forsikring if you are not sure which company to pick after you have got your comparison output from Simlino.dk. GF Forsikring offers simple contracts at a good premium. Collect your best offer today!