IDA Car Insurance: Coverage explained

What type of insurance do I need for my car?

As a car owner, you must have Car Insurance with personal liability coverage when you buy a car. On top of that, you can choose whether you want to insure your vehicle further with Comprehensive coverage or add several insurance add-ons to your policy.

An IDA Car Liability Insurance helps cover third-party claims regarding property damage or bodily injury. It does not cover material damage to your car. If you want to insure it, you must upgrade to Comprehensive coverage.

Your accident insurance covers you if you suffer a physical injury in an accident unless you have added driver coverage to your policy.

Read more about Accident Insurance.

What does Comprehensive cover?

Car Insurance with Personal Liability is compulsory by law, but you have the option and can choose to upgrade your insurance policy with Comprehensive coverage that covers:

In case you damage your vehicle or someone else's car or injure someone in an accident, regardless of who is at fault, and:

• Protection against theft, fire, lightning, and explosion.
• Roadside assistance in Europe
• Number plate insurance

It would be best if you also considered another matter before buying insurance. Most banks require Comprehensive coverage before they grant a car loan. A bank needs security to get the money back in case of total loss or theft.

I have Liability Insurance and would like to upgrade to Comprehensive coverage

If you have Liability Insurance, as the law requires, and would like to upgrade to Comprehensive coverage, please email us.

Please remember to attach four pictures of your car. We will study them before we offer you Comprehensive coverage. The pictures must show the vehicle from all four angles, not from an oblique corner.

Yes, please, I would like Comprehensive coverage

Does Comprehensive coverage provide Roadside Assistance abroad?

You can add Roadside Assistance abroad to your policy if you have Comprehensive coverage. If you need it, you can always contact Tryg Roadside Assistance Europe, which will help you with everything from start assistance on-site to transporting your car back to Denmark.

Learn more about Tryg Roadside Assistance Europe

Can I get a loaner car while the mechanic repairs mine?

Yes, Comprehensive coverage offers this service during a repair, and the workshop provides it. However, to get one, you must employ a Tryg workshop.

Read more about loaner cars and Tryg Reparation at tryg.dk

What does Number Plates Insurance cover?

It is part of your Comprehensive coverage and protects against the theft of number plates. No insurance excess applies if you present documentation of the expenses of replacing and mounting the new number plates.

What insurance add-ons can I buy?

Would you like to upgrade your insurance coverage in case of accidents and unforeseen expenses for your car? You can do this by selecting one or more of the following insurance add-ons:

• Tryg Roadside Assistance
• Windshield Coverage
• Excess free
• Driver Coverage
• Electric/Hybrid Car
• Parking Lot Accidents
• Tryg Leasing

Check out the list of insurance add-ons

When you log on to My Page, you get a quick overview of your Car Insurance. Among other things, you can see what coverage you have.

If you want to aggregate additional coverage to your policy - e.g., Roadside Assistance - you can do so via My Page.

Log in to My Page and select insurance add-ons

What does Roadside Assistance cover?

Road Assistance is an optional cover that helps when your car can not start or breaks down.

Our Road Assistance offers the following services:

• Help at the spot of the incident and assistance when the car cannot start.
• Towing car assistance.
• Transport to the nearest public transport for the driver and passengers during a breakdown or accident in Denmark.
• You may receive a loaner car when you use one of Tryg's partner workshops.
• It also applies if you get an injury or get sick.

Click here if you want to know more about Roadside Assistance

What does Windshield Coverage cover?

Windshield Coverage is an insurance add-on that covers repairs of glass, mirrors, and lights without insurance excess. It also covers damage to a panoramic sunroof. However, a DKK1,500 excess will apply to a windshield replacement.

What does Excess Free cover?

Excess Free is an insurance add-on that provides extra security in everyday life. In some cases, such as collisions with animals, fire, vandalism, theft, and break-ins, you do not have to pay your selected excess. It also covers your security deposit for excess insurance for a loan car at Tryg workshops.

What does Driver Coverage cover?

Driver Coverage is also an insurance add-on, a good option if you do not have Accident Insurance. Generally, no insurance covers your physical integrity if you crush or end up in a ditch due to slippery roads without other involved vehicles. Comprehensive covers damage to the car, and Liability covers the other passengers travelling with you. For this reason, you need to add this option to get protection as the driver. It also offers a lump sum for permanent disability and loss of earnings.

This insurance add-on covers if you -as the driver- are bodily hurt in an accident and need:

• Medication and treatment
• Compensation for pain and suffering.
• Compensation for permanent disability.
• Compensation for loss of earnings.
• Compensation for loss of earning future capability.
• Financial loss as a provider and funeral aid.

Read more about Driver Coverage

What does Electric and Hybrid Car coverage cover?

Electric and Hybrid car insurance is an add-on that covers damages to your electrical adapter, cable, or charging station if you are obliged 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.

If you own one of these cars, you automatically get this coverage, which includes theft of cables and adapters or damage to the charging station if an insurance requirement exists.

What does 'Parking Lot Accidents' cover?

It is an insurance add-on that covers 'Hit-and-Run accidents' in a parking lot without insurance excess. It also covers leased cars, but please remember you must legally park the car to get coverage.

What does Tryg Leasing cover?

Tryg Leasing is an insurance add-on that covers minor damages the leasing company will demand from you after returning the car. These damages are repairs of a maximum of DKK 6,000 (incl. VAT), and the total coverage is DKK 30,000, excluding your insurance excess of DKK 3,500.

Moreover, it also covers if you are unlucky and experience car theft or a total loss. You can get refunded the first-time leasing payments you made after you signed the leasing contract. However, reimbursement of the first-time payment is a maximum of the sum you have chosen on the agreement, between DKK0 and DKK 100,000, with 100% compensation in the first year, after which the amount gradually decreases for up to the first four years of the lease period.

Can I lend my car to others?

Yes, if you occasionally lend your car. You do not have to pay an extra premium to lend your car, but you do have to be aware of several conditions.

If you lend your car out frequently, please get in touch with us. We must assess whether you have registered the right users with your car insurance. This is necessary to avoid reducing claim compensation if you need your insurance one day.

Contact IDA Forsikring

Does the insurance cover if I rent my car out, for instance, on GoMore?

IDA Car Insurance does not cover the periods you rent out your car on platforms such as GoMore.

How does my Car Insurance cover if I lend my car to my children?

IDA Car Insurance covers according to the same terms if your children borrow the car and they need to file a claim.

Does IDA Car Insurance cover theft in car break-ins?

No, it does not cover theft of items in car break-ins, but your Home Contents Insurance does.

However, the insurance only covers when:

• The car is locked.
• The windows are closed.
• There are clear signs of a break-in.

If the car is stolen and the items are locked, they must not be visible outside or in glove compartments or other enclosed areas, such as the trunk/boot or roof rack.

There are things that, because of their value, size or sale power, attract thieves, such as:

• IT equipment. Including mobile phones, tablets, PCs, and flat screens.
• Music systems
• Camera
• Video camera
• Design furniture
• Watches
• Furs
• Art
• Antiques

Read more about what stuff attracts thieves in the insurance terms and conditions

In case of theft in car break-ins, the insurance does not cover the following things:

• Gold, silver, jewellery, cash, and the like.
• Tools, parts, and instruments you own and use in connection with your work.

If you have had a break-in in your car, you must remember to do the following:

• Always remember to report it to the police.
• File a claim by contacting the Tryg claims department at 70 33 25 25.
• File your claim online.

File a claim online

Does IDA Forsikring offer insurance coverage for all types of cars?

We insure almost all cars. However, we exclude the following car profiles:

• Vehicles with a total weight greater than 3,500 kg.
• Motor machines with a new value higher than DKK2,000,000.

Does insurance cost more if my car has a tow bar?

We would like to know if the vehicle has one, but the insurance will not be more expensive for having one.

My car has a towbar

Insurance of trailer or caravan

You can add trailer coverage to your Car Insurance if you have a trailer. If you have a caravan, you need to buy Comprehensive coverage.

Read more about our Caravan Insurance