Thisted Forsikring A/S
Thisted Forsikring
Thisted Forsikring is a motor third-party liability insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
Thisted Forsikring settles claims directly with repair shops for casco/glass damage rather than requiring the customer to pay upfront. <cite index="57-21,57-22">Vejhjælp eller en autohjælpsforsikring sikrer dig, når du kører i Danmark, og du kan også få glasskaden repareret på dit lokale værksted.</cite> This mirrors standard Danish motor insurance practice where <cite index="60-1">ved almindelige kaskoskader, vil dit forsikringsselskab normalt afregne direkte med dit værksted, hvorefter du vil modtage en regning på den selvrisiko, du har valgt at have på din bilforsikring.</cite>
Geographic scope
Denmark
Cover applies in Denmark, both at the agricultural property stated on the policy and when the insured items are located outside that address; special rules for individual covers appear in the terms and conditions.
Unique selling points
- Optional casco extension protects against costly repair bills on large agricultural machinery when the vehicle is damaged in use or struck.
- Agricultural liability cover includes liability for loaned and rented equipment plus environmental (pollution) liability as standard elements of the package.
- The policy can be extended with all-risk cover for silos and slurry tanks, plus relocation cover.
- Optional transport insurance is available for moving products or animals from field to farm and on to the slaughterhouse.
- A local advisor composes the exact combination of covers tailored to the individual farm, rather than offering a fixed one-size package.
Coverage limits
Bodily injury liability (agricultural vehicles without number plates)
Covered
Covers the insured's liability under the Danish Traffic Act (færdselsloven) for personal injury caused by tractors, combine harvesters and motor tools legally used without number plates; per §13.2 of the terms, cover follows the statutory sums fixed in the Traffic Act, which are re-indexed annually rather than being a fixed amount stated in this policy.
Property damage liability (agricultural vehicles without number plates)
Covered
Covers the insured's liability under the Danish Traffic Act for property damage caused by tractors, combine harvesters and motor tools legally used without number plates; per §13.2, cover follows the statutory sums fixed in the Traffic Act, re-indexed annually.
Legal expenses insurance
Optional
Legal expenses cover is listed as an optional add-on within the overall Landbrugsforsikring package (under the movable-property/løsøre section of the IPID); it is not documented as part of the agricultural motor-liability cover itself.
Green Card / international motor liability certificate
No limit stated
Not mentioned in the IPID or the Landbrugsansvar terms and conditions for this agricultural vehicle liability cover.
Roadside assistance
No limit stated
Not mentioned in the IPID or the Landbrugsansvar terms and conditions for this agricultural vehicle liability cover.
Driver accident cover
No limit stated
No separate driver-accident cover is documented; §3.3 of the terms only extends liability cover to injury to the insured's own person when the insured is not the driver of the vehicle, i.e. it addresses the insured as an injured third party, not a stand-alone accident benefit for the driver.
Passenger accident cover
No limit stated
No separate passenger-accident benefit is documented; injured passengers are covered as third parties under the general bodily injury liability cover (§3), not under a dedicated passenger-accident benefit.
Key conditions
Territorial scope
The liability cover applies within the geographic area stated in the policy (Denmark); costs and interest on awarded compensation are covered in full for incidents in the Nordic countries even if this exceeds the sums insured, but only up to the sums insured for incidents outside the Nordic region.
Green card rules
Not specified in the provided IPID or Landbrugsansvar terms and conditions for this agricultural vehicle liability cover.
Driver restrictions
Cover extends to the policyholder and anyone with lawful access who uses or drives the vehicle (§3.3). The insurer reserves the right of recourse against anyone liable under the Traffic Act who caused the damage intentionally, and also in cases of gross negligence or where the vehicle was driven, with the insured's approval, by a person not legally entitled to drive it (§3.4).
Claim notification deadline
Claims must be reported to the insurer without delay once raised or expected to be raised (§17.1). Claims raised against the insured during the policy term but reported to the insurer more than 3 months after the policy's expiry are not covered (§12.3).
Bonus-malus rules
Not addressed for this liability cover. The policy instead applies an annual turnover-based premium adjustment (§18 Præmieregulering) rather than a bonus-malus / no-claims discount system.
Policy specifics
Motor liability coverage for agricultural vehicles
Legal liability insurance covering damage to third parties (persons, vehicles, buildings) when using agricultural vehicles like tractors, combine harvesters, trucks, and trailers on roads subject to traffic law
SourceCASCO - Optional damage coverage for agricultural vehicles
Optional comprehensive or collision damage coverage that can be added to the basic motor liability insurance, protecting against repairs or replacement costs when the vehicle is damaged in use or struck
SourceAgricultural vehicle types covered
Coverage extends to personal cars, tractors, combine harvesters, trucks, and trailers related to agricultural operations
SourceTraffic law applicability condition
Motor liability coverage is conditional on the vehicle being used where Danish traffic law (færdselsloven) applies; coverage only applies to liability for damage when vehicle is used on roads or locations subject to traffic regulations
SourceCustomizable coverage composition
Policy allows farmers to compose insurance coverage according to their specific needs - can select from motor liability base coverage with optional CASCO add-on and other add-ons
Source