Electric Car Insurance
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Electric car insurance – peace of mind on the road
Benefits
Electric car insurance with great benefits
Free stone chip repair
Customer-owned insurance company
15% multi-policy discount
Coverage
Coverage Overview
Liability
Liability for damage to persons and property
Covers:
- Damage caused by you or others with your car to other people, their property, or vehicles.
- Your liability for personal injury to passengers in your own car.
Comprehensive insurance
Damage to your car and theft
Covers:
- Damage to your car, e.g., from traffic accidents, fire, or theft. In case of car key theft, necessary costs for re-coding or replacing locks are covered according to the company’s assessment.
- Free repair of stone chips on the car’s windows. In case of necessary window replacement, a deductible applies.
- Repair or repatriation in case of accidents abroad – handled by SOS International.
- Legal assistance for disputes where you need legal support, and attorney fees must be covered during litigation.
Driver's seat coverage
Covers personal injury to the driver of the car in a single-vehicle accident while driving the insured vehicle.
Compensation is paid according to applicable rules, rates, and amounts in the Liability Act and may include:
- Loss of earnings
- Permanent disability from 5%
- Pain and suffering
- Loss of earning capacity from 15%
Roadside assistance
Provides you with roadside assistance in Denmark, up to 25 km south of the Danish/German border, as well as on the E65 transit route between Malmö and Ystad in the following situations:
- In case of breakdown or accident where the car can no longer be driven.
- If the car won’t start, has a flat tire, or has run out of fuel or battery power.
- In case of personal injury to the driver in Denmark where the driver cannot continue driving – expenses for onward transport of passengers to a common destination are covered.
Extended glass coverage
Covers damage to the car’s mirror glass, headlight glass, windows, as well as sunroof and panoramic roof – with no deductible charged.
However, a fixed deductible of DKK 1,000 applies when replacing the windshield.
Fresh damage (or newly incurred damage)
Covers certain damages without charging a deductible, including:
- Damage caused by fire, explosion, and lightning strike
- Damage caused by theft, attempted theft, and robbery
- Theft of one or both license plates
- Damage caused by vandalism (without requiring serial vandalism)
- Damage from falling objects on your car
- Damage from collisions with animals
- Damage caused by mice, martens, or rats in the engine compartment or interior
- Damage in self-service car washes, if the washing instructions have been followed
- Theft of car keys, where the company assesses the risk of car theft – necessary costs for re-coding or replacing the car’s locks are covered.
Parking damage
Covers certain damages up to DKK 15,000 without charging a deductible. This includes the following types of damage:
- Collision with your car while it is legally parked
- Damage caused by a shopping cart
- Impact from a car door during entry and exit
Electric and hybrid vehicles
If you own or lease an electric or hybrid car, this insurance covers certain types of damage without charging a deductible, including:
- Damage to the car’s battery due to short circuit or other sudden causes within the first 8 years from first registration
- Fire or theft of the car’s type-approved charging cables and adapters
- Coverage can also help if you own or rent a charging station that breaks down and is replaced under another insurance policy that involves a deductible. You can be reimbursed up to DKK 10,000 if, for example, the charging station is replaced through your home insurance.
Leasing
If you are a lessee, this insurance covers both return insurance and reimbursement of the initial payment. The deductible is stated in your policy.
Return Insurance
- Upon returning the leased car, the insurance covers minor damages up to DKK 5,000 per damage, and a total of up to DKK 30,000 including VAT before deducting the deductible. You pay only one deductible regardless of the number of minor damages.
- If a damage cannot be repaired for a maximum of DKK 5,000 including VAT, it will be handled under your comprehensive coverage, where the applicable deductible for the comprehensive insurance will apply.
Reimbursement of Initial Payment
- If the leased car is stolen and not recovered within 28 days, or if the car is a total loss, you will be reimbursed your chosen insurance amount for the initial payment.
- The coverage decreases annually and ends after 3 years.
- The insurance amount for the initial payment can be adjusted according to your needs, giving you a tailored solution.
FAQ
Frequently Asked Questions
Is car insurance mandatory?
What happens if I don’t have liability insurance?
What should I do if I sell my car?
Do I need to have a green or red card when driving abroad?
- Green card: Proof of liability insurance – required in certain countries outside the EU.
- Red card: Proof of comprehensive insurance – can assist with claims abroad.