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.

No-claim bonus
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 protects against minor damages, max DKK 6,000. An excellent option for those who lease and do not own a car.

Electric and hybrid cars
It covers power cables, adapters, and even your EV charging station if you need to insure it. No insurance excess applies.
What does car insurance cover?
Look at the table below, and you will see the extent and radius of third-party liability insurance and Comprehensive coverage. Under each coverage, you will find a definition. You can also see all the insurance add-ons you can add and combine with these coverings to get the best protection.
The following table is for illustrative purposes only. It is an extraction from the insurance terms and conditions, which determine future compensation in a settled claim.
Should you buy additional coverage for an electric or hybrid car?
You can now improve the coverage of your electric or hybrid vehicle by adding our new Electric and Hybrid Car to your insurance policy.
What coverage and add-ons can I buy when I take out car insurance?
Your coverage depends on whether you own or lease your vehicle. Read more in the two coverage tables below.
Coverages when you own your car
PACKAGE |
STANDARD |
EXTENDED |
SUPER |
---|---|---|---|
Liability Insurance (Including Driver Coverage)
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:
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. |
√ |
√ |
√ |
Comprehensive
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 (Denmark)
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. |
√ |
√ |
√ |
Electric and Hybrid Car
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. |
√ |
√ |
√ |
Excess Free
Avoid paying the excess on your insurance policy if you suffer damage to your car - e.g. due to:
This add-on also covers the excess insurance you pay in advance for a loan car at Tryg workshops. |
√ |
√ |
|
Auto Glass Parts
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. |
√ |
√ |
|
Parking Lot Accidents
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. |
√ |
||
Tyre Damage
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. |
√ |
||
Car Depreciation
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. |
√ |
||
Option | |||
Car Care
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
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
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. |
|||
Car Loan Extended
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:
This insurance add-on also covers the excess the leasing company may demand from you. |
|||
Trailer
We cover your trailer, borrow or rent in case of fire, theft, vandalism and collision. |
|||
Engine Damage
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. |
Coverages when your car is leased
PACKAGE |
STANDARD |
EXTENDED |
SUPER |
---|---|---|---|
Liabilty Insurance (Including Driver Coverage)
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:
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. |
√ |
√ |
√ |
Comprehensive
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 (Denmark)
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. |
√ |
√ |
√ |
Electric and Hybrid Car
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. |
√ |
√ |
√ |
Tryg Leasing
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. |
√ |
√ |
√ |
Excess Free
Avoid paying the excess on your insurance policy if you suffer damage to your car - e.g. due to:
This add-on also covers the excess insurance you pay in advance for a loan car at Tryg workshops. |
√ |
√ |
|
Windshield
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. |
√ |
√ |
|
Parking Lot Accidents
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. |
√ |
||
Tyre Damage
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. |
√ |
||
Option | |||
Car Care
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
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
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. |
|||
Vacation Loaner Car
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:
This insurance add-on also covers the excess the provider of the loaner car may demand from you. |
|||
Trailer
We cover your trailer, borrow or rent in case of fire, theft, vandalism and collision. |
How much do insurance add-ons 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.
These terms apply to Car Insurance bought from 1 March 2023
Have you purchased Car insurance before 1 March 2023?
Learn more about Car insurance bought before 1 March 2023
If you already have Car insurance with IDA Forsikring and wish to switch to the new One, please get in touch with us by phone at 70 21 01 91.