TJM Forsikring Motor third-party liability (Knallertforsikring)
Underwritten by TJM Forsikring · Denmark
motor third-party liability insurance from TJM Forsikring for the Denmark market, with online purchase.
Verified Sep 1, 2026 · Terms dated 2021-12-01Sources
Unique selling points
No deductible applies to either liability or kasko claims on the moped insurance.
Legal expenses cover (retshjælp) is included free of charge when kasko cover is chosen, e.g. for use after a traffic accident.
Customers can freely choose the coverages that fit them and their moped, beyond the mandatory liability cover.
TJM markets this as one of the cheapest moped insurances in the country.
The same moped insurance product can be used to insure both traditional mopeds and scooters, with no difference in cover.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal expenses insurance (retshjælp)
Conditional
Legal expenses insurance covers legal costs in certain private disputes where the insured is a party as owner, user or driver of the moped, and requires that a kasko (comprehensive) cover has been purchased. A separate deductible applies as stated on the policy; it does not cover ordinary legal advice.
Section: 3. Hvilke skader er dækket > Retshjælpsforsikring
En retshjælpsforsikring dækker sikredes udgifter til sagsomkostninger ved visse private retstvister, når sikrede er part i sagen i egenskab af ejer, bruger eller fører af den forsikrede knallert.
Green card / territorial coverage
Covered
The insurance covers in Europe and in countries outside Europe affiliated with the green-card scheme.
Section: 2. Hvor gælder forsikringen
Forsikringen dækker i Europa, og i de lande uden for Europa, der er tilsluttet "grønt-kort"-ordningen.
Roadside assistance
No limit stated
No roadside assistance coverage is mentioned in the moped (knallert) product's terms or product page; roadside assistance is only advertised for TJM's motorcycle (MC) insurance product.
Driver accident cover
Excluded
The liability insurance explicitly excludes damage to the driver's own person and belongings, and the product page confirms the moped insurance does not cover the policyholder's own injury while riding.
Section: 3. Hvilke skader er dækket > 3.1 Ansvarsforsikring
b) skade på førerens person og ting,
Passenger injury cover (via liability)
Covered
The mandatory liability insurance covers accidents in traffic where the insured injures their passengers, other persons, their belongings or vehicles.
Section: Dækningsbeskrivelse
Dækker ved uheld i trafikken, hvor du kommer til at skade dine passagerer, andre personer, deres ting eller køretøjer.
Key conditions
Driver restrictions
Cover applies to the policyholder and anyone using the moped with the policyholder's consent; kasko cover is forfeited if the driver did not meet the Traffic Act's requirements for driver age and moped licence, unless the policyholder was unaware of this through no gross negligence.
Claim notification deadline
Damage or accidents must be reported to TJM immediately with as complete information as possible; theft of the moped itself must be reported to the police immediately.
Bonus-malus rules
The terms do not describe a bonus-malus discount ladder; instead, frequent claims can lead to changes such as increased price or deductible, and repeated claims can result in registration in the industry's shared register (Fællesregisteret) with stricter terms.
Territorial scope
The insurance covers in Europe, and in countries outside Europe that are affiliated with the green-card scheme.
Documents
Policy specifics
Legal aid coverage
Coverage for legal assistance if involved in a traffic accident
SourceSection: Dækningsbeskrivelse
Kaskoforsikringen dækker også retshjælp, hvis du får brug for en advokat – for eksempel hvis du har været involveret i et uheld.
Zero deductible
No deductible applies to either liability or kasko claims
SourceSection: Spørgsmål og svar om knallertforsikring
Hos os er der ingen selvrisiko på hverken ansvar eller kaskoskader.
Kasko (comprehensive) coverage
Optional coverage for damage and theft of the moped
SourceSection: Spørgsmål og svar om knallertforsikring
Den lovpligtige knallertforsikring dækker ikke skader på din knallert, men hos TJM kan du vælge at udvide din knallertforsikring med en kaskodækning, som dækker skader og tyveri af din knallert.
Vehicle registration requirement
Different requirements apply for mopeds manufactured after July 2006 vs. older models
SourceSection: Spørgsmål og svar om knallertforsikring
Hvis din knallert er fra før juli 2006 og derfor ikke har nummerplade på, skal du altid have et forsikringsbevis på dig.
Mandatory third-party liability coverage
Third-party liability (ansvarsforsikring) is legally required and always included
SourceSection: Spørgsmål og svar om knallertforsikring
Ja, I Danmark er det lovpligtigt at have en ansvarsforsikring til knallert.
Sources
TJM Forsikring Motor third-party liability