[{"data":1,"prerenderedAt":415},["ShallowReactive",2],{"gql:data:KLNlhldRGDzaQiqrbV0r3R0YyV9XJo3K_xzxUqKhkZk":3,"gql:data:Sw3l7jZfreeDKRnnsE3J9ynXFzOpCIYhd42mitzi-dM":86,"gql:data:eppoxF88BSODAciIpaWobCae8WgBcYiR3vR6K-vGZ6M":249},{"content":4},{"contentTypeAlias":5,"id":6,"name":7,"url":8,"layout":9,"metaTitle":10,"metaDescription":11,"metaRobots":12,"hideFromSitemap":12,"hideFromSearch":12,"blockElementer":13,"indhold":83},"dynamicPage","d37567ee-6ff9-4a72-9b20-cf40d1dbceac","Ansvar eller kasko","/forsikringer/bilforsikring/ansvar-eller-kasko/","","Ansvar eller kasko – hvad er forskellen?","Bliv klogere på forskellen mellem ansvarforsikring og kaskoforsikring til din bil, og se, hvordan du er dækket med din bilforsikring.",false,[14,32,38,44,73],{"content":15},{"contentTypeAlias":16,"heading":17,"subheading":18,"image":19},"articleHeader","Ansvar eller kasko – hvilken bilforsikring skal du vælge?","En ansvarsforsikring er lovpligtig for alle biler. Den dækker, hvis din bil gør skade på andre personer eller deres ejendele. Men den dækker ikke skader på din egen bil. Derfor anbefaler vi som udgangspunkt, at du supplerer ansvarsforsikringen med en kaskoforsikring.",{"cropUrl":20,"articleCropUrl":21,"crops":22,"media":31},"https://media.umbraco.io/aros-insurance/bavnxbtx/elbilforsikring-id7.webp?crop=0,0.28008576569859894,0,0.3448244907116575&cropmode=percentage&width=1200&height=300&upscale=false&format=webp&quality=75","https://media.umbraco.io/aros-insurance/bavnxbtx/elbilforsikring-id7.webp?anchor=center&mode=crop&width=370&height=210&upscale=false&format=webp&quality=75",[23,27],{"alias":24,"width":25,"height":26},"headerImage",1200,300,{"alias":28,"width":29,"height":30},"articleLinkImage",370,210,{"alt":9},{"content":33},{"contentTypeAlias":34,"richText":35,"placering":36,"baggrundsfarve":37},"richTextSection","\u003Cp>Med kasko er din bil dækket i langt flere situationer – blandt andet ved færdselsuheld, tyveri, brand og hærværk. Det kan gøre en stor økonomisk forskel, hvis uheldet er ude.\u003C/p>\n\u003Cp>Her får du et overblik over forskellen på ansvar og kasko, så du kan vælge en bilforsikring, der passer til din bil og dit behov.\u003C/p>\n\u003Ch2>Hvad er en ansvarsforsikring?\u003C/h2>\n\u003Cp>Det er lovpligtigt at have en ansvarsforsikring på din bil. Forsikringen dækker, hvis din bil gør skade på andre personer eller deres ejendele – for eksempel i forbindelse med et færdselsuheld.\u003C/p>\n\u003Cp>Hos Aros Forsikring er ansvarsforsikring og førerulykkesforsikring en fast del af bilforsikringen.\u003C/p>\n\u003Ch3>Ansvarsforsikringen dækker\u003C/h3>\n\u003Cul>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Skader, som din bil forvolder på andre personer\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Skader, som din bil forvolder på andres køretøjer eller ejendele\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Personskader på passagerer i din bil\u003C/span>\u003C/li>\n\u003C/ul>\n\u003Ch3>Ansvarsforsikringen dækker ikke\u003C/h3>\n\u003Cul>\n\u003Cli>\u003Cspan class=\"ul-list-do-not-cover\">Skader på din egen bil\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-not-cover\">Tyveri af din bil\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-not-cover\">Brand- eller hærværksskader på din bil\u003C/span>\u003C/li>\n\u003C/ul>\n\u003Cp>Har du ikke en ansvarsforsikring til din bil, opkræver Dansk Forening for International Motorkøretøjsforsikring et dagsgebyr for hver dag, bilen er uforsikret. Det kan hurtigt blive væsentligt dyrere end selve forsikringen.\u003C/p>\n\u003Ch2>Hvad er en kaskoforsikring?\u003C/h2>\n\u003Cp>En kaskoforsikring er ikke lovpligtig, men vi anbefaler som udgangspunkt, at du tilvælger den. Hvor ansvarsforsikringen dækker skader på andre, beskytter kaskoforsikringen nemlig din egen bil.\u003C/p>\n\u003Cp>Det betyder blandt andet, at du kan få hjælp, hvis bilen bliver beskadiget i et færdselsuheld, stjålet, udsat for hærværk eller ramt af brand. Uden kasko skal du som udgangspunkt selv betale for skaderne på bilen – også selvom regningen bliver stor.\u003C/p>\n\u003Cp>Kaskoforsikring er en tilvalgsdækning til bilforsikringen, og størstedelen af vores kunder vælger at have den med.\u003C/p>\n\u003Ch3>Kaskoforsikringen dækker blandt andet\u003C/h3>\n\u003Cul>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Skader på din bil ved færdselsuheld\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Tyveri af bilen\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Brand\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Hærværk\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Redningshjælp i udlandet\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Retshjælp\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-cover\">Reparation af stenslag i forruden\u003C/span>\u003C/li>\n\u003C/ul>\n\u003Ch3>Kaskoforsikringen dækker ikke\u003C/h3>\n\u003Cul>\n\u003Cli>\u003Cspan class=\"ul-list-do-not-cover\">Almindelig slitage\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"ul-list-do-not-cover\">Mekaniske og elektriske fejl, der ikke skyldes en dækket skade\u003C/span>\u003C/li>\n\u003C/ul>\n\u003Cp>De præcise dækninger, undtagelser og selvrisici fremgår altid af dine forsikringsbetingelser og din police.\u003C/p>\n\u003Ch2>Hvad er forskellen på ansvar og kasko?\u003C/h2>\n\u003Cp>Den vigtigste forskel er, hvem og hvad forsikringen dækker:\u003C/p>\n\u003Cul>\n\u003Cli>Ansvarsforsikringen dækker skader, som din bil forvolder på andre personer eller deres ejendele.\u003C/li>\n\u003Cli>Kaskoforsikringen dækker skader på din egen bil.\u003C/li>\n\u003C/ul>\n\u003Cp>Du kan ikke vælge ansvarsforsikringen fra. Kaskoforsikringen er derimod som udgangspunkt valgfri, medmindre eksempelvis et finansierings- eller leasingselskab stiller krav om den.\u003C/p>\n\u003Ctable border=\"0\" cellpadding=\"0\" width=\"678\" height=\"506\" style=\"width: 725px;\">\n\u003Cthead>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\"> \u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>\u003Cstrong>Ansvar\u003C/strong>\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>\u003Cstrong>Kasko\u003C/strong>\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003C/thead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Du beskadiger en anden bil\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>–\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Du forvolder personskade på andre\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>–\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>En passager i din bil kommer til skade\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>–\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Din egen bil bliver beskadiget i et uheld\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Din bil bliver stjålet\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Din bil bliver udsat for hærværk\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Din bil bliver beskadiget ved brand\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Du får brug for redningshjælp i udlandet\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Ja\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr>\n\u003Ctd style=\"width: 532.917px;\">\n\u003Cp>Bilens motor bryder sammen på grund af slitage\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 98.507px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003Ctd style=\"width: 89.132px;\">\n\u003Cp>Nej\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003C/tbody>\n\u003C/table>\n\u003Cp> \u003C/p>","Center",null,{"content":39},{"contentTypeAlias":34,"richText":40,"placering":36,"baggrundsfarve":41},"\u003Ch2>\u003Cspan class=\"text-white\">Derfor anbefaler vi kasko\u003C/span>\u003C/h2>\n\u003Cp>\u003Cspan class=\"text-white\">Selvom kaskoforsikring ikke er lovpligtig, anbefaler vi den til langt de fleste bilejere. En skade, et tyveri eller en totalskadet bil kan medføre en stor udgift, som du selv skal betale, hvis du kun har en ansvarsforsikring.\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan class=\"text-white\">Kasko er især relevant, hvis:\u003C/span>\u003C/p>\n\u003Cul>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">Din bil er ny eller har en væsentlig handelsværdi\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">Du er afhængig af bilen i hverdagen\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">En større reparation eller en ny bil vil belaste din økonomi\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">Bilen er finansieret eller leaset\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">Du ønsker dækning ved blandt andet tyveri, brand og hærværk\u003C/span>\u003C/li>\n\u003Cli>\u003Cspan class=\"text-white ul-list-do-cover-line\">Du kører i udlandet og ønsker adgang til redningshjælp\u003C/span>\u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cspan class=\"text-white\">Selv en bil, der ikke er helt ny, kan være dyr at reparere eller erstatte. Derfor bør valget ikke alene afhænge af bilens alder, men også af dens handelsværdi og af, hvor stor en økonomisk risiko du selv ønsker at bære.\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan class=\"text-white\">Har bilen en meget lav handelsværdi, og har du mulighed for selv at betale for en reparation eller en anden bil, kan ansvarsforsikring alene i enkelte tilfælde være tilstrækkelig. Det er dog vigtigt at være opmærksom på, at du så ikke får erstatning for skader på din egen bil ved eksempelvis et uheld, tyveri, brand eller hærværk.\u003C/span>\u003C/p>",{"color":42,"label":43},"3f3666","Lilla",{"content":45},{"contentTypeAlias":46,"baggrundsfarve":37,"kolonnebredde1":47,"kolonnebredde2":47,"kolonnefunktion1":9,"kolonnefunktion2":9,"blokelementer1":48,"blokelementer2":69,"direction":9},"twoColumnGrid","6",[49],{"content":50},{"contentTypeAlias":51,"medie":52,"chosenCrop":9,"baggrundsfarve":37,"billedetekst":9,"baggrundsskygge":12,"placeringAfBaggrund":9},"fokusmedie",{"url":53,"media":54,"heroImage":56,"blogImage":57,"squareImage":58,"crops":59},"https://media.umbraco.io/aros-insurance/vj3gen0h/reparationsforsikring.webp?anchor=center&mode=crop&upscale=false&format=webp&quality=75",{"alt":55},"En mand oplader en sort elbil, mens en kvinde sidder i bilen med døren åben og smiler, omgivet af grønne træer på en solrig dag.","https://media.umbraco.io/aros-insurance/vj3gen0h/reparationsforsikring.webp?anchor=center&mode=crop&width=1280&height=720&upscale=false&format=webp&quality=75","https://media.umbraco.io/aros-insurance/vj3gen0h/reparationsforsikring.webp?anchor=center&mode=crop&width=1200&height=800&upscale=false&format=webp&quality=75","https://media.umbraco.io/aros-insurance/vj3gen0h/reparationsforsikring.webp?anchor=center&mode=crop&width=800&height=800&upscale=false&format=webp&quality=75",[60,64,67],{"alias":61,"width":62,"height":63},"heroImage",1280,720,{"alias":65,"width":25,"height":66},"blogImage",800,{"alias":68,"width":66,"height":66},"squareImage",[70],{"content":71},{"contentTypeAlias":34,"richText":72,"placering":9,"baggrundsfarve":37},"\u003Ch2>Få en pris på din bilforsikring\u003C/h2>\n\u003Cp>\u003Ca href=\"/forsikringer/bilforsikring/hvad-koster-en-bilforsikring/\" title=\"Hvad koster en bilforsikring?\">Prisen på din bilforsikring\u003C/a> afhænger blandt andet af din alder, din bil, din bopæl, dit årlige kørselsbehov, din selvrisiko og de tilvalgsdækninger, du vælger.\u003C/p>\n\u003Cp>Hos Aros Forsikring kan du \u003Ca href=\"https://shop.aros-forsikring.dk/bilforsikring?input=&step=1\" data-anchor=\"?input=&step=1\">beregne din pris online\u003C/a> og sammensætte bilforsikringen efter dit behov. Du er også velkommen til at \u003Ca href=\"https://www.aros-forsikring.dk/kontakt-os/\">kontakte os\u003C/a>, hvis du ønsker hjælp til at finde den rette dækning.\u003C/p>",{"content":74},{"contentTypeAlias":75,"type":76,"theme":9,"languages":77,"stars":79,"locale":82},"trustpilot","carousel",[78],"da",[80,81],"5","4","da-DK",{"gridColumns":84,"items":85},12,[],{"content":87},{"mainMenu":88,"actionButtons":121,"leftSideLinks":139,"rightSideLinks":153,"mobileMenu":166,"helpMenu":177},[89,97,103,109,115],{"content":90},{"title":91,"popover":92,"page":93},"Forsikringer",true,{"name":91,"target":9,"type":94,"udi":95,"url":96},"CONTENT","umb://document/3c3cc2b111084edd8202a5cbb85ae966","/forsikringer/",{"content":98},{"title":99,"popover":12,"page":100},"Fordele",{"name":99,"target":9,"type":94,"udi":101,"url":102},"umb://document/81b16b8b14bf43aeb847e91090153405","/fordele/",{"content":104},{"title":105,"popover":12,"page":106},"Skader",{"name":105,"target":9,"type":94,"udi":107,"url":108},"umb://document/6c257be94784467ea2338c18a2105cfa","/skader/",{"content":110},{"title":111,"popover":12,"page":112},"Forebyg skade",{"name":111,"target":9,"type":94,"udi":113,"url":114},"umb://document/41f469ec75b040a0b6af6d9da591bb58","/forebyg-skade/",{"content":116},{"title":117,"popover":12,"page":118},"Kontakt os",{"name":117,"target":9,"type":94,"udi":119,"url":120},"umb://document/310dbe9e36434559a8ce15683e5771be","/kontakt-os/",[122,131],{"content":123},{"text":124,"color":125,"icon":126,"size":9,"buttonLink":127},"Mit Aros",{"color":42,"label":43},"aros-heart-icon",{"name":124,"target":128,"type":129,"url":130},"_blank","EXTERNAL","https://mitaros.aros-forsikring.dk/",{"content":132},{"text":133,"color":134,"icon":9,"size":9,"buttonLink":137},"Få et tilbud",{"color":135,"label":136},"eab937","Gul",{"name":133,"target":9,"type":94,"url":138},"/faa-et-tilbud/",[140,147],{"content":141},{"title":142,"icon":143,"link":144},"7010 4222","phone",{"name":145,"target":128,"type":129,"udi":9,"url":146},"70 10 42 22","tel:70104222",{"content":148},{"title":149,"icon":150,"link":151},"aros@aros-forsikring.dk","envelope",{"name":149,"target":128,"type":129,"udi":9,"url":152},"mailto:aros@aros-forsikring.dk",[154,160],{"content":155},{"title":156,"icon":9,"link":157},"Brug for hjælp",{"name":156,"target":9,"type":94,"udi":158,"url":159},"umb://document/339000cad879407d9acfaf648e05e98f","/kontakt-os/brug-for-hjaelp/",{"content":161},{"title":162,"icon":9,"link":163},"Henvis en kunde",{"name":162,"target":9,"type":94,"udi":164,"url":165},"umb://document/56630e5ad00a496398c2097b77c5e983","/om-os/henvis-en-kunde/",[167,171,172,173,174,175,176],{"name":168,"target":9,"type":94,"udi":169,"url":170},"Forside","umb://document/3be189e2c9f94ca495ac093e2d93b564","/forside/",{"name":91,"target":9,"type":94,"udi":95,"url":96},{"name":99,"target":9,"type":94,"udi":101,"url":102},{"name":105,"target":9,"type":94,"udi":107,"url":108},{"name":111,"target":9,"type":94,"udi":113,"url":114},{"name":117,"target":9,"type":94,"udi":119,"url":120},{"name":162,"target":9,"type":94,"udi":164,"url":165},[178,183,189,196,204,209,217,225,233,241],{"content":179},{"icon":143,"text":180,"link":181},"Kundeservice\n7010 4222",{"name":182,"target":128,"type":129,"udi":9,"url":146},"Kundeservice 7010 4222",{"content":184},{"icon":143,"text":185,"link":186},"Skade\n8734 5099",{"name":187,"target":128,"type":129,"udi":9,"url":188},"Skade 87345099","tel:87345099",{"content":190},{"icon":191,"text":192,"link":193},"phone-volume","Bliv ringet op",{"name":192,"target":9,"type":94,"udi":194,"url":195},"umb://document/494e87300c6549e1b8b3d67326805353","/bliv-ringet-op/",{"content":197},{"icon":198,"text":199,"link":200},"calendar","Book et møde",{"name":201,"target":9,"type":94,"udi":202,"url":203},"Få et forsikringstjek","umb://document/dbb36ac05da640559782ca7a02795143","/faa-et-forsikringstjek/",{"content":205},{"icon":206,"text":207,"link":208},"car-burst","Anmeld skade",{"name":105,"target":9,"type":94,"udi":107,"url":108},{"content":210},{"icon":211,"text":212,"link":213},"truck-tow","Vejhjælp",{"name":214,"target":9,"type":94,"udi":215,"url":216},"Aros Autohjælp","umb://document/cc8074bf9b404a459c85a1edb0b74f05","/kontakt-os/brug-for-hjaelp/aros-autohjaelp/",{"content":218},{"icon":219,"text":220,"link":221},"car","Glasskade",{"name":222,"target":9,"type":94,"udi":223,"url":224},"Skade på 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