Car insurance

Liability insurance helps cover third-party claims of property damage or bodily injury. It is an important insurance protection because it provides compensation for injuries to others, and for the damage, your vehicle does to another person's property if you cause an accident.

Driver Coverage covers if you (as the driver of your car) get hurt in an accident:

• Permanent disability
• Medication and treatment
• Pain and suffering
• Loss of earnings
• Loss of future earning capacity
• Dental damage

Read more about Driver Coverage.

Your family also benefits from this coverage because it covers the loss of a family provider and funeral aid.

Liability Insurance includes Driver Coverage as part of the insurance agreement.

Fire and explosion 

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

Theft 

It provides coverage if someone steals your car.

Total loss 

If you've been in an auto accident and your car is totalled (also called total loss), it means your vehicle isn't repairable or costs more to fix than it's worth. Vandalism could be another reason.

Break-ins, theft, and damage 

It covers damage that may occur with car break-ins and theft of items from the car.

Breakdown coverage abroad (Roadside Assistance Europe) 

It covers certain costs related to an accident or mechanical failure when you drive in Europe.

Read more about what Roadside Assistance Europe covers.

Legal aid

It provides coverage when a dispute between two parties in an accident needs a court settlement: It covers your expenses for the trial, but it's a prerequisite that you can reasonably win the dispute.

Optional equipment 

It covers extra equipment in your car up to DKK30,000, for instance, tyres and rims. You can increase the insured sum if you want to. 

Number plates insurance 

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

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.

It covers power cables, adapters, and even your EV charging station if you need to insure it. No insurance excess applies, and you need Comprehensive coverage to add it.

The insurance also covers leased electric and (plug-in) hybrid cars.

As the owner of an electric or hybrid car, you automatically get the Electric and Hybrid Car coverage with protection against theft of loose charging cables and adapters.

Avoid paying the excess on your insurance policy if you suffer damage to your car - e.g. due to:

1. Fire, lightning, and explosion
2. Theft, robbery, and vandalism
3. Fallen objects
4. Collision with animals
5. Mice, martens and rats in engine compartments or interiors

This add-on also covers the excess insurance you pay in advance for a loan car at Tryg workshops.

It covers the repair of windshields, mirrors, lights, and panoramic sunroofs without applying the excess on your insurance policy. However, an insurance excess of DKK1500 applies if the windshield and the panoramic sunroof -if connected with the windshield- need a replacement.

Avoid paying insurance excess in parking lot accidents. The insurance covers when you legally park your car, do some errands, and someone damages it while you are away. In other words, a Hit-and-Run accident.

You need Comprehensive coverage to buy this insurance add-on. We also offer this coverage to leased cars.

It covers the repair of punctures, cracks, and blowouts, among others. If a tyre repair is impossible, you will receive a new equivalent tyre.

We cover up to DKK10,000 per damage. Insurance excess doesn't apply.

You get a loaner car in case of car theft or total loss. You can keep the loaner car for up to 14 days after you have received your compensation.

If your car is less than two years old and it's stolen or totalled, you will receive compensation equal to the price of a new car.

Regardless of the car's age, you will get 15% extra in addition to your compensation – a maximum of DKK30,000.

With Car Care, you do not need to worry about when it is time for a car wash, seasonal tyre fitting or check-up. We will let you know when it is time so you can book one of Tryg's certified workshops throughout Denmark. We will also send you a wash code valid across the country.

Car Key Insurance covers the cost of getting a new car key and the reprogramming code in case of theft or loss.

If someone steals your car key -with information about your address- and there is a subsequent risk of car theft, the insurance will cover the replacement of car locks if another insurer does not cover this service.

Car Key insurance also covers workshop assistance regardless of whether you have Roadside Assistance.

Misfuelling covers the removal of the wrong fuel from the tank, cleaning the fuel tank, disposal of the incorrectly loaded fuel in an environmentally friendly way, and filling five litres of the right fuel.

It also covers transport assistance to the workshop regardless of whether you have Roadside Assistance.

NOTE! IDA Forsikring does not cover engine damage if you drive with the wrong fuel.

You are entitled to a loan car from a designated workshop for up to 35 days if you have to continue your daily life without your vehicle after one of the following reasons:

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

This insurance add-on also covers the excess the leasing company may demand from you.

We cover your trailer, borrow or rent in case of fire, theft, vandalism and collision.

It covers mechanical and electronic damage up to DKK50,000 per year until the car has driven 175,000 km or until the vehicle is eight years old from the first registration date.

Please note that the insurance goes into effect three months after you buy it.

Liability insurance helps cover third-party claims of property damage or bodily injury. It is an important insurance protection because it provides compensation for injuries to others, and for the damage, your vehicle does to another person's property if you cause an accident.

Driver Coverage covers if you (as the driver of your car) get hurt in an accident:

• Permanent disability
• Medication and treatment
• Pain and suffering
• Loss of earnings
• Loss of future earning capacity
• Dental damage

Read more about Driver Coverage

Your family also benefits from this coverage because it covers the loss of a family provider and funeral aid.

Liability Insurance includes Driver Coverage as part of the insurance agreement.

Fire and explosion 

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

Theft 

It provides coverage if someone steals your car.

Total loss 

If you've been in an auto accident and your car is totalled (also called total loss), it means your vehicle isn't repairable or costs more to fix than it's worth. Vandalism could be another reason.

Break-ins, theft, and damage 

It covers damage that may occur with car break-ins and theft of items from the car.

Breakdown coverage abroad (Roadside Assistance Europe) 

It covers certain costs related to an accident or mechanical failure when you drive in Europe.

Read more about what Roadside Assistance Europe covers.

Legal aid

It provides coverage when a dispute between two parties in an accident needs a court settlement: It covers your expenses for the trial, but it's a prerequisite that you can reasonably win the dispute.

Optional equipment 

It covers extra equipment in your car up to DKK30,000, for instance, tyres and rims. You can increase the insured sum if you want to. 

Number plates insurance 

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

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.

It covers power cables, adapters, and even your EV charging station if you need to insure it. No insurance excess applies, and you need Comprehensive coverage to add it.

The insurance also covers leased electric and (plug-in) hybrid cars.

As the owner of an electric or hybrid car, you automatically get the Electric and Hybrid Car coverage with protection against theft of loose charging cables and adapters.

This insurance add-on is beneficial if you lease a car (the leasing period expands from six to 48 months). For instance, Tryg Leasing will cover minor claims not exceeding DKK6,000 (including VAT) – yet a total amount of DKK30,000 for several small claims together, including your selected excess on the policy.

Generally, you don't get back your first-time leasing payments from the dealer if someone steals your car or a total loss happens. Tryg Leasing offers you a full or partial refund for up to four years from the date you signed a leasing contract.

How to add Tryg Leasing to your policy?

If you wish to add Tryg Leasing, please, call us at 70 21 01 91 or write to us - and we will make a quote for you.

You need Comprehensive coverage to buy this insurance add-on, and the leased car should be on a white vehicle registration plate and is no more than four years old. Please pay particular attention that the option must have been in effect for at least six months to be entitled to coverage.

Avoid paying the excess on your insurance policy if you suffer damage to your car - e.g. due to:

1. Fire, lightning, and explosion
2. Theft, robbery, and vandalism
3. Fallen objects
4. Collision with animals
5. Mice, martens and rats in engine compartments or interiors

This add-on also covers the excess insurance you pay in advance for a loan car at Tryg workshops.

It covers the repair of windshields, mirrors, lights, and panoramic sunroofs without applying the excess on your insurance policy. However, an insurance excess of DKK1500 applies if the windshield and the panoramic sunroof -if connected with the windshield- need a replacement.

Avoid paying insurance excess in parking lot accidents. The insurance covers when you legally park your car, do some errands, and someone damages it while you are away. In other words, a Hit-and-Run accident.

You need Comprehensive coverage to buy this insurance add-on. We also offer this coverage to leased cars.

It covers the repair of punctures, cracks, and blowouts, among others. If a tyre repair is impossible, you will receive a new equivalent tyre.

We cover up to DKK10,000 per damage. Insurance excess doesn't apply.

With Car Care, you do not need to worry about when it is time for a car wash, seasonal tyre fitting or check-up. We will let you know when it is time so you can book one of Tryg's certified workshops throughout Denmark. We will also send you a wash code valid across the country.

Car Key Insurance covers the cost of getting a new car key and the reprogramming code in case of theft or loss.

If someone steals your car key -with information about your address- and there is a subsequent risk of car theft, the insurance will cover the replacement of car locks if another insurer does not cover this service.

Car Key insurance also covers workshop assistance regardless of whether you have Roadside Assistance.

Misfuelling covers the removal of the wrong fuel from the tank, cleaning the fuel tank, disposal of the incorrectly loaded fuel in an environmentally friendly way, and filling five litres of the right fuel.

It also covers transport assistance to the workshop regardless of whether you have Roadside Assistance.

NOTE! IDA Forsikring does not cover engine damage if you drive with the wrong fuel.

You are entitled to a loaner car from a designated workshop for up to 35 days if you have to continue your daily life without your vehicle after one of the following reasons:

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

This insurance add-on also covers the excess the provider of the loaner car may demand from you.

We cover your trailer, borrow or rent in case of fire, theft, vandalism and collision.