Complete Guide to Car Insurance in Denmark

If you're driving in Denmark, understanding the local car insurance requirements is essential. Denmark has specific insurance regulations that differ from other European countries. This guide will walk you through everything you need to know about car insurance in Denmark, from mandatory coverage to optional extras, costs, and recommended providers.

Mandatory Car Insurance in Denmark

Like most European countries, Denmark requires all vehicles to have at least third-party liability insurance (ansvarsforsikring). This is the minimum legal requirement and covers:

• Damage to other people's property
• Injury or death to other people
• Damage to other vehicles

The minimum coverage amounts required by Danish law include:

• Personal injury: 121 million DKK (approximately €16.3 million)
• Property damage: 24 million DKK (approximately €3.2 million)

These limits are significantly higher than those in many other European countries, which reflects Denmark's commitment to comprehensive protection for road users.

Optional Coverage Types

While liability insurance is mandatory, most Danish drivers opt for additional coverage. The most common options include:

Comprehensive Insurance (Kaskoforsikring)

This covers damage to your own vehicle regardless of who is at fault. It typically includes:

• Collision damage
• Fire damage
• Theft
• Vandalism
• Weather-related damage (storm, hail, flooding)

Glass Coverage (Glasforsikring)

Specifically covers damage to windows, windshield, and other glass components of your vehicle, often with a lower deductible than your main policy.

Roadside Assistance (Vejhjælp)

Provides assistance if your car breaks down, typically covering towing costs and basic repairs on the spot.

Driver's Accident Insurance (Førerulykkesforsikring)

Covers the driver's personal injuries in cases where no other compensation would be available (e.g., single-vehicle accidents).

Car Insurance Costs in Denmark

Denmark has relatively high car insurance premiums compared to other European countries. The average annual cost ranges from 4,000 to 9,000 DKK (€535-1,200) for basic liability coverage, while comprehensive insurance typically costs between 7,000 to 15,000 DKK (€940-2,000).

Several factors affect your premium:

• Vehicle type and value: More expensive cars and those with higher engine power typically cost more to insure
• Driver's age and experience: Young drivers (under 25) and new drivers face higher premiums
• Driving history: Previous claims and traffic violations will increase costs
• Address: Urban areas, particularly Copenhagen, have higher rates than rural areas
• Annual mileage: Higher mileage typically means higher premiums
• No-claims bonus: Many insurers offer discounts for claim-free years

Major Insurance Providers in Denmark

Denmark has several established insurance companies offering car insurance. The largest and most popular include:

• Tryg: Denmark's largest insurer, offering competitive rates and comprehensive coverage options
• Topdanmark: Known for good customer service and flexible policies
• Codan: Part of the RSA Group, offering a wide range of coverage options
• Alm. Brand: A Danish company with over 200 years of history and strong customer loyalty
• If: A Scandinavian insurer known for competitive pricing and digital services
• GF Forsikring: A member-owned insurance company often offering lower premiums

Tips for Getting the Best Deal

To optimize your car insurance costs in Denmark:

• Compare quotes: Use comparison websites or contact multiple insurers directly
• Bundle policies: Combining car insurance with home insurance often results in discounts
• Consider a higher deductible: Increasing your self-risk amount (selvrisiko) can lower premiums
• Install security devices: Alarms, immobilizers, and tracking systems may reduce costs
• Pay annually: Monthly payments typically include administration fees
• Consider usage-based insurance: Some companies offer lower rates for low-mileage drivers

Car Insurance for Foreigners and Expats

If you're moving to Denmark, you should know:

• You typically need to register your car in Denmark within 14 days if you plan to stay long-term
• International driving history may not be fully recognized, potentially resulting in higher initial premiums
• Some insurers may require a Danish driving license after a certain period
• EU insurance cards are valid for temporary visits but not for permanent residency

Expats should consider insurers with English-language services and international experience, such as Tryg, Codan, and If, which have staff familiar with serving non-Danish residents.

Making Claims in Denmark

If you need to make an insurance claim:

1. Document the incident with photos and notes
2. Exchange information with other involved parties
3. File a police report if required (mandatory for theft, vandalism, or if anyone is injured)
4. Contact your insurer as soon as possible (most have 24/7 hotlines)
5. Fill out the claim form (skadeanmeldelse) accurately
6. Provide all requested documentation

Danish insurers typically process straightforward claims efficiently, often within 1-2 weeks. Most companies now offer digital claim submission through their websites or mobile apps.

Conclusion

Car insurance in Denmark provides high levels of protection but comes at a premium cost compared to many other European countries. The mandatory liability coverage offers substantial financial protection, and the optional coverages available can provide peace of mind for various scenarios.

Whether you're a long-term resident or new to Denmark, taking time to understand the local insurance market can save you money while ensuring you have appropriate coverage. Remember to review your policy annually, as better deals may become available as you build a Danish driving history.