Pending review

TJM Forsikring Casco (own-damage car insurance) (Bilforsikring Kasko)

Underwritten by TJM Forsikring · Denmark

casco (own-damage car insurance) from TJM Forsikring for the Denmark market, with online purchase and 24/7 assistance.

Last verified Sep 1, 2026Sources

Online purchase24/7 helpline

Unique selling points

TJM's car and EV insurance has been awarded "Bedst i test" (Best in Test) by the Danish Consumer Council Tænk.

No increased deductible is charged if a young driver causes damage to the car under current terms.

Repairs at partner workshops come with up to 5 years' warranty and quality-assured service.

Stolen number plates are replaced and remounted with no deductible charged.

Only a single combined deductible is charged even if multiple small damages are reported when returning a leased car.

Coverage limits

Covered

Own damage (casco)

Covered

If you buy casco insurance, your car is insured at new value during its first year as a factory-new car, and thereafter at trade value (the cost of replacing a car of similar make, age, model and year). Included in all three packages: Basis, Udvidet and Super.

Page 1

Section: Hvad dækker den? > Sum

Køber du kaskoforsikring, er din bil forsikret til nyværdi inden for det første år som fabriksny, derefter til handelsværdien, dvs. hvad det vil koste at genanskaffe en bil af tilsvarende mærke, alder, model og årgang.

Covered

Total loss settlement

Covered

Total loss claims are settled at new value within the first year as factory-new, thereafter at trade value (replacement cost of an equivalent make/age/model/year vehicle).

Page 1

Section: Hvad dækker den? > Sum

Køber du kaskoforsikring, er din bil forsikret til nyværdi inden for det første år som fabriksny, derefter til handelsværdien, dvs. hvad det vil koste at genanskaffe en bil af tilsvarende mærke, alder, model og årgang.

Covered

Partial loss / damage repair

Covered

Repairable damage to the insured vehicle from accidents, fire, theft or vandalism is covered under casco, with repairs carried out at a workshop, including partner workshops offering a replacement car and up to a 5-year repair warranty.

Med Kasko får du en lånebil til rådighed, mens dit køretøj bliver repareret. Vælger du et af vores aftaleværksteder, får du også kvalitetssikret værkstedsservice, op til 5 års garanti på reparationer.

Covered

Theft and robbery

Covered

Casco insurance covers damage to your car in case of e.g. traffic accidents, vandalism and theft; if your number plates are stolen, replacement and mounting costs are covered without a deductible.

Section: Kaskoforsikring - dækker din bil ved uheld og tyveri > Hvad dækker en kaskoforsikring ?

Hvis dine nummerplader bliver stjålet, betaler vi også udgifter til genanskaffelse og montering – uden opkrævning af selvrisiko.

Optional · Udvidet, Super

Glass damage

Optional

Optional glass cover repairs stone chips and cracks in the windscreen, side windows or rear window; windscreen replacement costs up to DKK 2,000 of the deductible, while sunroof/panoramic glass roof replacement is covered with no deductible. Included from the Udvidet package upward.

Section: Vælg, hvordan du ønsker at være dækket > Super

Dækker reparation af stenslag i ruden, glas, spejle og lygteglas uden opkrævning af den valgte selvrisiko. Der er ingen selvrisiko ved udskiftning af sol- eller glaspanoramatag. Ved udskiftning af bilens forrude gælder der en fast selvrisiko på 2.000 kr.

Natural perils (storm, hail, flood)

No limit stated

No source explicitly confirms coverage for natural perils such as storm, hail or flood under this casco product.

Covered

Vandalism

Covered

Casco insurance covers damage to your car caused by vandalism as well as traffic accidents and theft.

Section: Kaskoforsikring - dækker din bil ved uheld og tyveri > Hvad er en kaskoforsikring?

Med en kaskoforsikring er du dækket, hvis din bil bliver skadet i tilfælde af fx trafikuheld, brand, hærværk og tyveri.

Covered

Roadside assistance (Tryg Vejhjælp)

Covered

Tryg Vejhjælp roadside assistance is included in all three packages (Basis, Udvidet, Super) and can be reached on +45 70 11 20 00 in Denmark or abroad; once the car is casco-insured, international roadside assistance and rescue abroad is included, extendable to the rest of Europe with Udvidet Tryg Vejhjælp.

Section: Vælg, hvordan du ønsker at være dækket > Basis

Dækker vejhjælp, hvis du får brug for assistance på stedet, fx hjælp til batteri, startshjælp, eller bugsering hjem/til værksted.

Covered

Replacement/loan car

Covered

With casco cover you get a loan car while your vehicle is repaired at a partner workshop; if the car is written off or stolen, the optional LåneBil Ekstra cover provides a loan car for up to 14 days after compensation is paid.

Section: Vælg, hvordan du ønsker at være dækket > Super

Dækker en lånebil, hvis din bil totalskades eller bliver stjålet. Du kan beholde lånebilen i op til 14 dage efter, du har fået din erstatning.

Optional

Driver accident insurance (Førerforsikring)

Optional

Førerforsikring is an optional cover protecting the driver in a solo accident where no other party is involved, paying compensation for loss of earning capacity from as little as 15% disability, a lower threshold than standard pension schemes (50%); applies to any authorised driver of the car.

Section: Førerforsikringen er en god dækning for alle > De mest almindelige spørgsmål og svar > Dækker min pension ikke tabet af erhvervsevne?

Typisk kan du erstatning fra din pensionsordning, hvis du mister din erhvervsevne med mindst 50 %. En Førerforsikring dækker, hvis du mister din erhvervsevne med min. 15 %.

Key conditions

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.

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.

Direct payment

Premiums can be paid annually, semi-annually or quarterly via Betalingsservice; some trade union members pay via monthly payroll deduction.

Territorial scope

The policy covers Europe and non-European countries participating in the Green Card scheme; Tryg Vejhjælp roadside assistance applies in Denmark (excl. Greenland and the Faroe Islands), extended to the rest of Europe with Udvidet Tryg Vejhjælp.

Documents

Car insurance IPID (Insurance Product Information Document) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Glass damage coverage

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

Source

Section: Vælg, hvordan du ønsker at være dækket > Super

Dækker reparation af stenslag i ruden, glas, spejle og lygteglas uden opkrævning af den valgte selvrisiko. Der er ingen selvrisiko ved udskiftning af sol- eller glaspanoramatag. Ved udskiftning af bilens forrude gælder der en fast selvrisiko på 2.000 kr.

Loan car benefit

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

Source

Section: Vælg, hvordan du ønsker at være dækket > Super

Dækker en lånebil, hvis din bil totalskades eller bliver stjålet. Du kan beholde lånebilen i op til 14 dage efter, du har fået din erstatning.

Leasing-specific coverage

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

Source

Zero deductible option (Friskade)

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

Source

Section: Forsikring ved køb af brugt bil > Fordele ved Udvidet dækning til brugt bil

Mens du med Super-pakken også får dækningerne parkeringsskade, ferielånebil og værdigaranti med i bilforsikringen.

Parking damage coverage

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

Source

Section: Gode råd til at undgå parkeringsskader på bilen > Dækker min forsikring min parkeringsskade ? > Vil du undgå selvrisiko og få dækket Bilka-buler?

Vores Superpakke indeholder bl.a. dækningen Parkeringsskade - med den kan du undgå at betale selvrisiko, når din bil har fået en bule efter påkørsel eller er blevet ramt af en bildør eller indkøbsvogn, mens den stod parkeret og hvor den anden bilist ikke har givet sig til kende.

Youngest driver pricing

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

Source

Section: Hvem kører i din bil? > Bemærk din forsikringsaftale > Bilforsikring købt før 08.11.2022

Vi beregner prisen på din bilforsikring ud fra den yngste bruger. Bruger dit voksne barn bilen fast vil prisen stige og der vil være krav om en minimumssum for selvrisiko i tilfælde af skade.

European and Green Card coverage

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

SourcePage 2

Section: Hvor er jeg dækket?

Forsikringen gælder i Europa samt i de lande uden for Europa, der er tilsluttet ”Grønt kort-ordningen”.

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

Source

Section: Førerforsikringen er en god dækning for alle > De mest almindelige spørgsmål og svar > Dækker min pension ikke tabet af erhvervsevne?

En Førerforsikring dækker, hvis du mister din erhvervsevne med min. 15 %. Det vil sige, at du hurtigere kan få økonomisk hjælp med en Førerforsikring.

Annual mileage-based pricing

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

Source

Section: Alt, du skal bruge til din bil og andre køretøjer

Log ind på Min side med MitID, vælg din bilforsikring og juster årligt kørselsbehov. Prisen på din bilforsikring afhænger af, hvor mange kilometer du kører i din bil om året.

Three standardized insurance packages

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

Source

Section: Vælg, hvordan du ønsker at være dækket

Vi har gjort det lettere ved at sammensætte tre forsikringspakker til dig, der ejer eller leaser en bil.

Digital claim reporting

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

Source

Flexible payment frequency

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

Source

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.

Source

Section: Få den bedste og billigste forsikring til din elbil > Hvilken bilforsikring til elbil er bedst?

For at blive kunde i TJM Forsikring skal du være medlem af en af de faglige organisationer , vi samarbejder med, eller være barn af en TJM kunde.

Sources

TJM Forsikring Casco (own-damage car insurance)

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