TJM Forsikring (formerly Tjenestemændenes Forsikring), operating within the Tryg Group

Driver age and experience limit

Premiums are calculated based on the youngest regular driver of the car; under the current terms there is no extra deductible requirement tied to a young driver's age, though the price increases if a child under 26 drives the car regularly. Under terms purchased before 8 November 2022, an additional deductible applied if a driver under 26 caused damage.

Repair network requirements

TJM reserves the right to direct repairs to a designated Tryg repair workshop; we must always be contacted before the car is taken to a workshop, unless immediate towing or emergency repair is required. Using one of TJM's partner workshops gives quality-assured service and up to 5 years' warranty on repairs.

Territorial scope

The policy applies throughout Europe and in non-European countries that are part of the Green Card scheme, which documents that the mandatory liability insurance for the owner/user is in place when driving abroad.

Anti-theft requirements

Detached parts and equipment for the car (including winter/summer wheels) are only covered if they are stored in a properly locked room; permanently mounted extra equipment beyond the car's original make/model/year worth more than DKK 30,000 is only covered if increased equipment cover has been purchased.

Claim notification deadline

You must immediately try to limit the extent of the damage and report the claim to TJM as soon as possible via the website or by phone; theft and vandalism must be reported to the police in the country where it occurred immediately.

Deductible rules

You can choose your own deductible level based on your need for security; windscreen replacement under glass cover is capped at DKK 2,000 of the deductible while sunroof/panoramic glass replacement carries no deductible; leased cars returned under the current 24T9 terms carry a fixed deductible of DKK 3,500 for return-condition damage, deducted only once even if several small damages are claimed.

Glass damage coverage

Optional coverage for repair or replacement of glass in windshield, side windows, and rear windows, with specific deductible arrangements

Loan car benefit

Provides a loan car (up to 14 days) if the insured vehicle is totaled or stolen

Leasing-specific coverage

Automatic coverage for leased vehicles including return/delivery coverage (Afleveringsdækning) and first-payment coverage (Førsteydelsesdækning)

Zero deductible option (Friskade)

Optional no-deductible coverage for specific damage types; includes value-deterioration compensation (værdigaranti) for major repairs

Parking damage coverage

Covers dents and scratches on parked vehicle; included in Super package

Youngest driver pricing

Premium calculated based on the youngest regular driver of the vehicle; affects price and minimum deductible requirements

European and Green Card coverage

Insurance valid throughout Europe and countries participating in the Green Card system (international motor insurance agreement)

Driver insurance (Førerforsikring)

Optional coverage protecting the driver in solo accidents where no third party is involved; covers loss of earning capacity from 15% disability onwards

Annual mileage-based pricing

Premium adjusted based on declared annual kilometers; customers can modify mileage annually via customer portal

Three standardized insurance packages

Basis (minimum statutory coverage), Udvidet (basic + optional add-ons), and Super (comprehensive with maximum protections)

Digital claim reporting

Customers can report claims digitally via 'Min side' portal with MitID authentication; includes photo/document upload functionality

Flexible payment frequency

Customers can choose monthly, quarterly, semi-annual, or annual payment terms

Trade union membership required to buy

To become a customer of TJM Forsikring you must be a member of one of the partner trade unions we cooperate with, or be the child of a member.