Car Insurance in Denmark 2026: What You need to know

Kristian Ole Rørbye

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Updated July 22, 2026

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Comparing Car Insurance in Denmark

Premiums vary by insurer, your address, the car model, your age and your driving history. That makes comparison essential – the same narrow policy can have very different prices at different companies. Use at least two comparison sites and contact insurers directly if you have special circumstances (imported car, international no-claim bonus, vintage vehicle).

Top pick: TjenesteTorvet

TjenesteTorvet is a straightforward Danish comparison service that returns multiple insurer quotes from a single form. It can save you time and expose cheaper options you won’t find on a single company’s site. The form and results are in Danish; use your browser translator or get help from a Danish-speaking friend if needed.

When you use a comparison site, have this information ready: vehicle registration number (or VIN), estimated annual mileage, garage postcode where the car is usually parked, and details of any no-claim bonus you want to transfer. If you’re buying with finance, compare the insurance cost to your lending options – for example, check how an auto car loan in Denmark affects total monthly outgoings.

Samlino.dk

Samlino is another comparison portal useful for quickly scanning market rates. It’s worth running both TjenesteTorvet and Samlino to spot big price gaps and to check small differences in cover (deductible, roadside assistance, glass cover).

One frequent expat issue is transferring a no-claim bonus from your home country. Some Danish insurers accept it – you must provide formal proof from your previous insurer. Always ask the company how they calculate bonus transfer and whether it applies immediately or after a probation period.

Types of Car Insurance in Denmark (what each covers)

Know these main categories so you buy only what you need:

• Compulsory third-party liability (ansvarsforsikring) – Mandatory. Covers injury to others and damage to other people’s property. Your car cannot be registered without it.
• Comprehensive (kasko or kasco) – Optional. Covers loss/damage to your own car from collisions, theft, fire and vandalism. Younger drivers and owners of newer cars typically get full kasko.
• Partial kasko (delkasko) – A cheaper middle option that usually covers theft, fire, glass damage and sometimes animal collisions, but not every collision.
• Extras you can add – Roadside assistance, legal aid, driver injury cover, contents (personal items in the car), and coverage for trailers/caravans (often separate policies).

Insurers in Denmark commonly use a deductible (selvrisiko). A higher deductible lowers your premium but increases what you pay at a claim. If your car is older (about 10 years+), kasko may not be cost-effective – compare repair costs and your car’s value.

If you import a car, you cannot get Danish insurance until you register the vehicle. You will usually need to register and have the vehicle insured soon after arrival; check timing and requirements and get your CPR number if you’re moving here to live.

Making a Claim After an Accident

1. Ensure safety first: move to a safe location if possible and call emergency services for injuries.
2. Exchange details: name, address, registration number, insurance company and policy number. Note vehicle make and model.
3. Record evidence: take photos of damage, number plates, exact location and road signs. Photograph injuries and the scene from several angles.
4. Call the police if there are injuries or if the other party leaves the scene. For minor incidents you can still file a report later if required.
5. Contact your insurer as soon as you can and follow their claim process. Most companies offer online claim forms and will explain whether you should use an approved repair shop.
6. Watch deadlines: insurers expect prompt notification – many allow up to six months to file a claim for some incidents, but you should report it immediately.
7. Expect the deductible: you’ll normally pay the excess (selvrisiko) unless a third party is fully liable and their insurer covers your repair costs.