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Is car insurance compulsory in Denmark?

Liability yes, kasko by choice.

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Short answer

Yes. Cars, motorcycles and mopeds that drive on public roads in Denmark must have liability insurance (ansvarsforsikring). It covers damage you cause to others as owner or user of the vehicle, and passengers can often claim from it, but it does not cover your own things or injuries to the driver. Comprehensive insurance (kasko) is voluntary, but if you bought the car on a loan or in instalments, the lender will normally require it. If you do not pay the compulsory liability insurance, the police can take the number plates.

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Why

  1. Liability insurance protects other people.
  2. Kasko covers damage to your own car and theft.
  3. Without paid insurance you can lose your plates.

Details

Kasko does not cover mechanical faults or damage from poor maintenance, such as rust.

Tip

Choose the insurer when you register or re-register the car, since plates and ownership change both need insurance details.

What may differ

Premiums differ with the car, your driving history, address and deductible, and some insurers also look at age.

Common misconception

Many think liability insurance also pays for damage to their own car.

What actually happens

Liability insurance only covers damage to others; your own car needs kasko.

People also ask

  • What does kasko insurance cover in Denmark?
  • Where do you complain about a car insurance company in Denmark?
  • Do you need a green card to drive a Danish car abroad?

Sources

This answer is for reference only. Traffic rules, fines and fees can change, so check the Danish authorities before you drive.

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