Car insurance

Comprehensive Car insurance is part of the joy of driving. The reassurance that your needs are covered and your premium will not go after a car accident gives you a sense of safety when you get in the car.

As a car owner, you are required by law to have third party liability insurance, but you can also choose to have a number of additional coverages that can be combined in different ways. In this way, you can get a motor insurance that is tailored to your specific needs. Once you have decided how you would like to be covered, you can buy your insurance through our online insurance calculator.

No-claims discount

No-claims discount

If you have never had a car before, your number of years as a member of IDA can count as driver-seniority when you take out IDA’s Car Insurance.

No deductible

No deductible

With several of our optional coverings, you avoid paying a deductible when you file a claim.

Optional equipment covered

Optional equipment covered

All equipment that is not considered standard for your car is covered for up to DKK 30,000.

Have you purchased or changed your insurance before 1 October 2018?

IDA’s Car insurance have been improved. If you purchased the insurance before 1 October 2018, you are covered by terms other than those you can see here.

See how your car insurance covers (if purchased before 1 October 2018).

How does car insurance cover?

Here you can see how the liability insurance and comprehensive insurance cover. You can also see optional coverings and how you can combine them.

The forms are indicative and is an extract from the insurance terms and conditions. Any compensation will be calculated according to the rules in the insurance terms and conditions.

Liability insurance

What does the insurance covers?
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.

Comprehensive insurance

What does comprehensive insurance covers?
Basic coverage

You are covered if a fire or explosion occurs in your car.

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.


Options for car insurance

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.

 This optional cover can only be purchased with Comprehensive cover.

By taking Tryg Road Assistance, you can get road assistance throughout Denmark (except Greenland and the Faroe Islands). Assistance covers both car breakdown, vehicle towing and transportation of driver and passengers. Drivers and passengers are taken to the nearest public transport.

Read more about Tryg Road Assistance

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

By Extending Tryg Road Assistance, you will get the following benefits in addition to the already good terms of your Tryg Road Assistance:

  • Taxi Service
  • Replacement of summer and winter tires twice a year
  • Covering outside Denmark (geographic Europe, in addition to Russia until the Ural Mountains, Israel, Morocco, Tunisia, Turkey and Iran)

Read more about Extending Tryg Road Assistance

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


Avoid paying an additional excess of DKK 3.206 (2019), which is usually charged if a car accident occurs after you have borrowed it to your child or grandchild of your household under the age of 26. Please remember that you can only borrow the car to your child or grandchildren occasionally and that they can not be permanent users of your vehicle.

Did you also know that your kids earn a no claim record for each year they have a driving license (but a maximum of three years in total) ?. This record can be used later when they need to buy a 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.

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.

By taking this optional cover, you avoid paying excess if your car is damaged up to DKK 15,000 while it is legally placed on a parking lot. You are covered if your car is legally parked and the damage was done when 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 leasing car from a designated workshop for up to 35 days, if you must be 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 deductible that the lease holder may demand from you.

This optional cover can only be taken along comprehensive cover.

We recommend you this option if you keep additional equipment in your auto for more than DKK 30,000. The following parts are viewed, for example, as 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.

This optional cover can only be purchased with Comprehensive cover.

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 41,480 (2019).

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