Driver Cover

Compensation for permanent disability

If a car accident leaves you with a permanent disability, Driver cover may provide compensation.

The amount of compensation depends on the degree of permanent impairment, which is determined through a medical assessment. The degree of permanent impairment is stated as a percentage and must be at least 5% before you can receive compensation.

The assessment takes place once the long-term effects of the injury can be determined. In most cases, the degree of permanent impairment is assessed in accordance with the permanent injury table published by the Danish Labour Market Insurance Authority (Arbejdsmarkedets Erhvervssikring).

If your injury is not included in the table, your doctor will assess the degree of permanent impairment based on the nature and extent of the injury.

The assessment only considers the medical consequences of the injury. It doesn't consider your occupation or personal circumstances.

At a 100% degree of permanent impairment, the compensation amounts to DKK 1,103,500 (2026 index). If you were aged 40 or over at the time of the accident, the compensation may be reduced in accordance with section 4(2) of the Danish Liability for Damages Act.

Physiotherapy and chiropractic treatment

If you need treatment from a physiotherapist or chiropractor after the accident, you should report a claim under your accident insurance. In most cases, your accident insurance covers the cost of treatment.

Report a claim under your accident insurance

If you do not have accident insurance, Driver cover may help pay reasonable costs for physiotherapy or chiropractic treatment. We normally cover treatment costs for up to three months.

Please contact us before starting treatment so we can confirm whether the costs are covered.

We deduct any public benefits and reimbursements from Sygeforsikringen "danmark".

Contact IDA Forsikring

Medication and medical aids

If you incur costs for medication or medical aids as a result of the accident, Driver cover may cover your reasonable expenses.

Please keep and submit your receipts.

We deduct any public benefits and reimbursements from Sygeforsikringen "danmark".

Travel expenses

We cover reasonable travel expenses for journeys to and from treatment appointments and medical examinations.

If you use your own car, we reimburse your travel costs at the Danish government's standard mileage rate.

Psychological crisis counselling

If you need psychological crisis counselling after an accident, your home contents insurance provides cover.

Read more about home contents insurance

If you are unable to work because of injuries you suffered in a car accident, Driver cover may provide compensation for the period you are off work.

The compensation is DKK 240 per day (2025 index) while you are unable to work due to your injuries. The maximum compensation is DKK 92,000 in 2025.

If you lose income after the accident because you are unable to work, Driver cover may provide compensation from the date of the accident until you can return to work.

If the accident results in a permanent reduction in your earning capacity, Driver cover may continue to provide compensation until it is possible to assess your future earning capacity. You may then be entitled to compensation for loss of earning capacity.

Compensation for loss of earnings is taxable as personal income.

If the accident reduces your ability to earn an income by at least 15%, you may be entitled to compensation for loss of earning capacity through Driver cover.

The amount of compensation depends on:

• your income before the accident,
• your age at the time of the accident, and
• the degree of loss of earning capacity.

Compensation is paid as a lump sum calculated as your annual income × 10 × the percentage loss of earning capacity.

If you were aged 30 or over at the time of the accident, the compensation may be reduced in accordance with section 9 of the Danish Liability for Damages Act.

Driver cover also provides compensation for people without a regular income. For homemakers and students, compensation is based on an assessment of the economic value of their work at the time of the accident.

Compensation for loss of earning capacity is capped at DKK 11,582,500 (2026 index).

Driver cover covers reasonable and necessary dental treatment costs that arise from injuries sustained in a car accident, provided no other source covers the costs, such as public healthcare or your own accident insurance.

If you lose a breadwinner as a result of a car accident, Driver cover may provide compensation for the loss of financial support.

The compensation is based on the deceased person's earnings during the 12 months before the accident and amounts to 30% of the compensation payable for a total loss of earning capacity (annual income × 30% × 10 years).

The compensation is reduced by 1% for each year the deceased was older than 29 at the time of the accident. It is reduced by a further 2% for each year the deceased was older than 54. No further reductions apply after the age of 70.

If the deceased leaves children behind, compensation is calculated based on the child maintenance payments the deceased would have been required to pay until the children's 18th birthday. The calculation follows the guidelines issued by the Danish Family Court Administration and is based on the standard child maintenance rate and the deceased person's income.

Compensation for the loss of a breadwinner is tax-free.

If your claim for permanent injury or loss of earning capacity has been settled, it may be reassessed if your circumstances change significantly after the claim has been concluded.

Any reassessment will take place in accordance with section 11 of the Danish Liability for Damages Act.