Insurer profile

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

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

Founded 1936Valby, Copenhagen, DenmarkLast verified Sep 1, 2026

Overview

TJM Forsikring is a Danish member-based insurance community founded in 1936 by railway trade unions, originally under the name Tjenestemændenes Forsikring. It is owned and founded by a group of trade unions and professional organisations and offers insurance exclusively to members of around 60+ affiliated organisations and their adult children. TJM operates from its head office in Valby, Copenhagen, serving over 100,000 customers with the help of local part-time insurance advisors called 'forsikringstillidsmænd'. TJM has a close cooperation with Tryg, Denmark's largest insurer, which provides financial backing and underwriting infrastructure; policies are covered under Tryg Forsikring A/S's CVR registration.

Source

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Company details

Parent group: Tryg (Tryg Forsikring A/S) / TryghedsGruppen; owned and founded by a closed circle of trade unions and professional organisations (Interesseforeningen)
Regulator: Danish Financial Supervisory Authority (Finanstilsynet)
Phone: +45 70 33 28 28
Email: [email protected]

Official website

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

Motor

Car Insurance

Comprehensive car insurance covering liability, own damage, theft and glass, with special packages for petrol/diesel and electric/hybrid vehicles.

Veteran Car Insurance

Basic mandatory liability cover for veteran/classic cars, protecting against damage caused to other people or their property.

Leasing Car Insurance

Insurance for leased vehicles, requiring at minimum liability and comprehensive (kasko) coverage.

Moped Insurance

Mandatory liability insurance for mopeds, with optional own-damage cover.

Trailer Insurance

Covers damage to a trailer, including damage that occurs abroad.

Property

House Insurance

Building insurance covering the home and outbuildings against fire, storm, rain, theft and vandalism, plus homeowner liability, offered in Basic, Extended and Super packages.

Contents Insurance

Covers household contents against fire, theft, water damage and liability, for the whole household, available in three coverage packages.

Holiday Home Insurance

Covers damage to holiday homes, cottages, allotment houses or summer houses, including contents inside the property.

Health

Personal Accident Insurance (Adult, 25-70 years)

Accident insurance for adults aged 25-70 covering permanent injury, with optional add-ons such as physiotherapy, dental damage and psychologist help.

Personal Accident Insurance (Senior, 70+ years)

Accident insurance for customers aged 70 and above, extendable with health insurance, dental cover and access to private hospital assessment.

Senior Care Package

A special insurance package for people over 70 providing extra care such as private hospital assessment, home cleaning help and transport to treatment.

Child Insurance

24-hour accident, illness and health insurance for children aged 0-18, available in Basic, Extended and Super packages.

Health Insurance

Optional health insurance add-on to the personal accident insurance guaranteeing fast access to examinations and treatment at private hospitals.

Liability

Legal Expenses Insurance

Covers legal costs and lawyer's fees when a customer needs court assistance to resolve a dispute; automatically included with home, contents, holiday-home, caravan and comprehensive vehicle insurance.

Travel

Travel Insurance

Covers illness or injury while travelling, including ambulance transport, medical treatment and repatriation, available as annual or single-trip cover.

Pet

Dog Insurance

Covers the mandatory dog liability and vet bills if the dog becomes ill or is injured, and was rated 'Best in Test' by Forbrugerrådet Tænk.

Cat Insurance

Covers veterinary costs and liability for cats in case of illness or injury.

Regulatory updates

TJM Forsikring updated its general insurance terms following a recommendation from Finanstilsynet (the Danish FSA) that insurers clearly disclose when they perform cross-product risk assessments of customer relationships; TJM now discloses that it performs an annual risk assessment across a customer's policies and optional coverages, without any change to the actual coverage terms.