Federation of Danish Motorists (FDM)
FDM Forsikringer
FDM Forsikringer is a motor third-party liability insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
Customers can choose to pay the premium either annually or in monthly instalments.
Geographic scope
Europe and Green Card countries
Valid in Europe and in countries outside Europe that are part of the Green Card scheme.
Unique selling points
- Marketed as one of the best moped insurances on the Danish market.
- Same premium and coverage terms whether the vehicle is a knallert 30 or knallert 45.
- Legal assistance (retshjælp) for disputes such as accident liability is included when comprehensive (kasko) cover is chosen.
- Round-the-clock roadside assistance covering both Denmark and abroad.
- FDM members can access preferential membership pricing on the insurance.
Coverage limits
Bodily Injury Liability
€126
Mandatory third-party liability insurance covering personal injury caused to others by the insured moped.
Property Damage Liability
€25
Mandatory third-party liability insurance covering damage to others' property caused by the insured moped.
Legal Assistance (Retshjælp)
€225
Legal assistance covering attorney fees and legal costs in certain private disputes, e.g. following an accident; included when comprehensive (kasko) cover is purchased.
Green Card
Covered
The insurance is valid in Europe and in countries outside Europe covered by the Green Card scheme; the Green Card serves as proof of mandatory liability cover when driving abroad.
Roadside Assistance
€399
Optional add-on providing round-the-clock roadside assistance and recovery in Denmark and abroad if the moped breaks down or is involved in an accident.
Driver Accident Cover
No limit stated
Not addressed in the FDM moped insurance sources reviewed.
Passenger Accident Cover
No limit stated
Not addressed in the FDM moped insurance sources reviewed.
Key conditions
Territorial scope
Valid in Europe and in countries outside Europe that are part of the Green Card scheme.
Green card rules
The Green Card documents that mandatory liability cover exists for the owner/user when driving abroad.
Driver restrictions
Claims are not covered if the driver is under the legal age, lacks the required moped licence, or is impaired by alcohol or drugs.
Claim notification deadline
Not stated in the product's documents.
Bonus-malus rules
Not stated in the product's documents.
Policy specifics
Legal Protection Insurance (Optional)
Optional add-on providing legal assistance and coverage for attorney fees in disputes related to vehicle ownership, use, or operation
SourceRoadside Assistance (Optional)
Optional add-on providing roadside assistance and recovery services in Denmark and abroad
SourceComprehensive Coverage (Kasko) - Optional
Optional coverage protecting the insured's own moped against damage from collision, theft, vandalism, and fire
SourceLiability Insurance (Mandatory)
Mandatory third-party liability insurance covering damages to other persons and their property caused by the insured moped
SourceCoverage Area
Insurance valid in Europe and countries outside Europe that are part of the Green Card system
SourceSource no longer reachableDriver Eligibility Exclusions
Claims not covered if driver is under legal age, lacks required moped license, or is impaired by alcohol/drugs
SourceSource no longer reachableRental/Hire Exclusion
Damage occurring while moped is being rented or hired out is not covered
SourceSource no longer reachableElectronics and Accessories Exclusion
Audio systems, mobile phones, and other communication equipment are not covered
SourceSource no longer reachablePayment Options
Customer can choose annual payment or monthly installments for insurance premium
SourceSource no longer reachable