Pending review

Thisted Forsikring Motor third-party liability (Landbrugsforsikring Motoransvar)

Underwritten by Thisted Forsikring A/S · Denmark

motor third-party liability insurance from Thisted Forsikring for the Denmark market, with 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2024-12-01Sources

24/7 helpline

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Optional

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.

Page 1

Section: Hvad dækker den? > Landbrugsløsøreforsikring

Retshjælp

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.

Clause 3.3Page Side 2

Section: 3 Som ejer eller fører af traktor eller motorredskab uden nummerplader: > 3.3

Forsikringen dækker ansvar for skader på sikredes person, når han ikke er fører af køretøjet.

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

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.

Territorial scope

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.

Documents

Product Information Document (IPID) - Agricultural Insurance (opens in a new tab)

Product information sheet · PDF

Terms and Conditions - Agricultural Liability (version 0103) (opens in a new tab)

Terms & conditions · PDF

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

Source

Section: Se, hvad en landbrugsforsikring kan bestå af > Køretøjsforsikring

Motoransvarsforsikringen er lovpligtig, når køretøjet anvendes steder, hvor færdselsloven gælder, og omfatter det ansvar, du kan blive pålagt, hvis du for eksempel påkører personer, andre køretøjer, bygninger med mere.

CASCO - 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

Source

Section: Se, hvad en landbrugsforsikring kan bestå af > Køretøjsforsikring

Reparationer på store køretøjer kan nemt blive dyre. Med kasko er du dækket, hvis dit køretøj får en skade, mens det er i brug, eller hvis det påkøres.

Agricultural vehicle types covered

Coverage extends to personal cars, tractors, combine harvesters, trucks, and trailers related to agricultural operations

Source

Section: Se, hvad en landbrugsforsikring kan bestå af > Køretøjsforsikring

Vi forsikrer alt fra personbiler til traktorer, høstmaskiner, trucks og efterspændte redskaber, der relaterer sig til landbruget.

Traffic 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

Source

Section: Se, hvad en landbrugsforsikring kan bestå af > Køretøjsforsikring

Motoransvarsforsikringen er lovpligtig, når køretøjet anvendes steder, hvor færdselsloven gælder, og omfatter det ansvar, du kan blive pålagt, hvis du for eksempel påkører personer, andre køretøjer, bygninger med mere.

Customizable 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

Section: Sammensæt din landbrugsforsikring​​​

Vi ved hvor vigtigt det er, at du kan holde dit landbrug i gang ved skader og uheld. Hos os kan du sammensætte din forsikring, så den passer til dig.

Sources