Car Insurance in Denmark (2026): Best Cover for Expats

Car insurance can feel overwhelming when you have just moved to a new country. In Denmark, insurance is compulsory: you cannot register or drive a car without at least third-party liability cover (ansvarsforsikring), which pays for injury or damage you cause to others. This applies to expats and locals alike. This guide explains the types of car insurance in Denmark, how cover works for imported cars, and how to compare providers.

How we picked the best car insurers in Denmark

• ✓ English-speaking service where available
• ✓ Good cover-to-price ratio
• ✓ Clear contracts with no hidden costs
• ✓ Flexible, tailorable cover

Best car insurers in Denmark

Comparison sites are the easiest way to get several quotes at once. Here is how our picks compare; always check the current terms before you buy.

Provider	Why it is great
	1 Best comparison site (English). Tjenestetorvet is a well-known comparison platform where you get free quotes from several insurers. It has an English website, good price-to-cover options, and covers many vehicle types (car, MC, moped, veteranbil, caravan) as well as home, travel and accident insurance.	Visit Tjenestetorvet
	2 Best independent comparison. Samlino is an independent, neutral comparison platform that helps car owners in Denmark find affordable cover. It has a great mobile site available in English and also compares other financial products.	Visit Samlino
	3 Best mutual insurer. GF Forsikring is a well-known Danish insurer, popular for cost-effective car cover and, as a mutual, it can pay members back a share of any surplus. It offers multiple insurance types with the same transparency; the website is mostly Danish.	Visit GF Forsikring

Types of car insurance in Denmark

Third-party liability (ansvarsforsikring) – The compulsory minimum. It covers injury or damage you cause to other people and their property while driving. You cannot register a car without it.

Comprehensive (kasko) – Optional but very common and usually affordable. On top of liability, it covers damage to or loss of your own car, including collisions that are your fault. It is well worth it for a newer car; for a car around ten years or older, many owners skip kasko as the cost outweighs the value.

You can also add extras such as cover for theft, glass, roadside assistance and legal aid, so you can tailor the policy to your needs.

Car insurance for expats and imported cars

To drive legally you must register the car in Denmark and have at least ansvarsforsikring in place – the plates cannot be issued without valid insurance. If you bring a car with you, it must be registered here, which usually means paying the Danish registration tax (see below). For driving in some countries outside the EU you may need a green card from your insurer as proof of cover; within the EU your Danish insurance and an EU driving licence are recognised.

Registration and registreringsafgift

Denmark is famous for its high car costs, largely because of the registreringsafgift (vehicle registration tax) charged when a car is first registered here. Registering a car (indregistrering) gives it number plates and requires valid insurance. If you are importing a car, factor in this tax – it is often the reason a car costs far more in Denmark than in neighbouring countries. If you need to finance the purchase, see our guide to loans in Denmark.

How to claim after an accident

If you have an accident, gather the details you will need for the claim:

• The other driver’s name and address
• Their insurance details
• Driving licence number
• Photos of the scene and damage
• The vehicle make and number plate

Call the police if anyone is injured or there is a dispute. Report the accident to your insurer as soon as possible using their claim form (skadesanmeldelse), which you can usually submit online. To protect your home and belongings too, see our guide to home insurance in Denmark.

FAQ about car insurance in Denmark