Car insurance

As a car owner, you are legally obliged to have liability insurance, and at IDA Forsikring, you can manage your Car Insurance coverage to meet your needs.



Claim-free record

Claim-free record

If you have never had a car, your number of years as an IDA member can give you a no-claims discount when you take out car insurance.

Tryg leasing

Tryg leasing

Tryg Leasing provides protection against minor damages, max DKK 5,000. An excellent option for those who lease and do not own a car.

Additional equipment

Additional equipment

It covers all equipment that is not considered standard for your car up to DKK30,000.

How does car insurance cover?

Here you can see how both third party liability and comprehensive insurance cover. You can also insurance add-ons and how you can combine them.

The following table is for illustrative purposes only. It is an extract from the insurance terms and conditions. Our claims centre at Tryg calculates compensation according to our insurance terms and conditions.

Do you have an electric or hybrid car?

IDA Forsikring lowered the insurance premium for electric and hybrid cars. It is part of our contribution to the Net Zero carbon emissions target. If you have an electric or hybrid vehicle insured with us, we have given you a 20% price reduction from 1 July 2021.

This reduction was introduced automatically and applied to new car insurance quotes too.

What does third party insurance cover?
Basic coverage

You are covered if you injure another person while using your car. Liability insurance coverage is mandatory.

You are covered if you damage a third party’s property with your car. Liability insurance is mandatory.

If you have a towbar fitted, you are covered if you injure another person and/or damage a third-party’s property.

Option

Roadside assistance helps you with, among other things, on-site start-up assistance, towing, further transportation of the driver and passengers, as well as assistance in the event of illness or injury while driving.

Read more about Tryg Road Assistance.

You can purchase this option together with both Liability and Comprehensive cover.

Avoid paying an additional excess of DKK 3.342 (2021), which usually applies if a car accident occurs involving directly your child or grandchild, under the age of 26, who is part of your household and used the car. Please remember that you can only borrow the car to your child or grandchildren occasionally and that they cannot be permanent users of your vehicle.

Did you also know that your kids build up a no claim record for every year they have a driving license (but a maximum of three years in total) ?. This record can be used later when they need to take out car insurance through IDA Forsikring or Tryg. You can read more about this in terms and conditions, section 5.3

This option can be purchased with both liability and comprehensive insurance.

If you get injured as driver of a car, then you are covered for:

  • Permanent disability
  • Loss of earnings
  • Ability to work

Your family is also covered by the driver's insurance:

  • Financial loss of dependents
  • Aid to funeral care

This option cover can be purchased with both Liability and Comprehensive cover.

What does comprehensive insurance cover?
Basic coverage

It protects against damage to your car if a fire or explosion occurs.

You are covered is your car is stolen.

You are covered if your car is designated as total loss, for instance after vandalism or an accident.

You are covered for the damage that may occur in connection with car break-ins and thefts.

If you drive abroad, you are covered with certain costs related to accident or mechanical failure.

Read more about breakdown cover abroad

If a dispute between you and your counterparty in an accident is to be settled in court, your expenses for the trial are covered. It is a prerequisite that you can reasonably win the trial.

If you have optional equipment in your car up to DKK 30,000, this option is recommended. The following parts are considered, for example, as an option:

  • Rims
  • Electronic equipment
  • Body and engine conversion
  • Leather Interior
  • Sun, panorama and sliding roofs

Towing hitches and safety equipment are not defined as equipment or accessories.

There is insurance coverage for one or both number plates theft. If you have comprehensive coverage, we will not charge you an insurance excess if you can present documentation of your expenses replacing and mounting the new plates.

Option

By taking this optional coverage, you avoid paying excess if damage to the car is due to - for example:

  • Fire, lightning and explosion
  • Theft, robbery and vandalism
  • Falling objects
  • Collision with animals
  • Replacement of lens and mirror glass
  • Windshield damage that can be repaired – e.g. stone chip

If it is necessary to replace a windshield, your excess is DKK 1,500 (2020)

Roadside assistance helps you with, among other things, on-site start-up assistance, towing, further transportation of the driver and passengers, as well as assistance in the event of illness or injury while driving.

Read more about Tryg Road Assistance.

Avoid paying an additional excess of DKK 3.342 (2021), which usually applies if a car accident occurs involving directly your child or grandchild, under the age of 26, who is part of your household and used the car. Please remember that you can only borrow the car to your child or grandchildren occasionally and that they cannot be permanent users of your vehicle.

Did you also know that your kids build up a no claim record for every year they have a driving license (but a maximum of three years in total) ?. This record can be used later when they need to take out car insurance through IDA Forsikring or Tryg. You can read more about this in terms and conditions, section 5.3

If you get injured as driver of a car, then you are covered for:

  • Permanent disability
  • Loss of earnings
  • Ability to work

Your family is also covered by the driver's insurance:

  • Financial loss of dependents
  • Aid to funeral care

This option is beneficial if you lease a car (leasing period expanding from 6 to 48 months). For instance, Tryg Leasing will cover minor claims not exceeding DKK 5,000 (including VAT) – yet a total amount of DKK 25,000 for several small claims together including your excess DKK 5000.

Today, if your car is stolen or in case of total loss, you will not get back your first-time leasing payments from the dealer. Tryg Leasing offers you a full or partial refund of the lost payments for up to four years from the date the leasing contract was issued.

How to take out Tryg Leasing
If you wish to take out Tryg Leasing, please contact us on this number 70 21 01 91 or write to us - and we will make a quote for you.

This option can only be taken out along comprehensive coverage, and when the rental car is on white vehicle registration plate and no more than four years old. Please pay particular attention that the option must have been in effect for at least six months in order to be entitled to coverage.

Avoid paying excess if your car is legally parked and accidentally damaged (Max. DKK 15,000) in a parking lot. You are covered when your car is legally parked, and if the damage was done while you were not present, i.e. Hit-and-Run accidents.

This optional cover can only be purchased along comprehensive cover, and when the car is not leased

You are entitled to a loan car from a designated workshop for up to 35 days, if you have to live without your car because of:

  • Theft or robbery
  • Total loss
  • Comprehensive claims filed prior to a scheduled road trip

By taking this option you are also covered for the excess that the dealer may demand from you.

We recommend you this option if you have installed additional equipment in your auto for more than DKK 30,000. The following illustrative parts are considered additional equipment:

  • Car rims
  • Electronic equipment
  • Chassis and engine swap
  • Leather Interior
  • Sun, panorama and sliding roofs

Towing hitches and safety equipment are not defined as additional equipment or accessories.

In addition to your car insurance, you can secure you against car depreciation as a result of a major damage. If the car is to be repaired for DKK 20,000 or more, you can be compensated with 10% of the expenses. Please note that the compensation can not exceed DKK 43,246 (2021).

You can only take out this option along comprehensive and if the car is not leased.

How much does adding on car insurance cost?

If you want to add or remove add-ons for your existing car insurance, you can do it by going to My Page. You will also be able to see what the add-ons cost.