TJM Forsikring (formerly Tjenestemændenes Forsikring), operating within the Tryg Group
TJM Forsikring
TJM Forsikring is a motor third-party liability insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
TJM must be contacted before the moped goes to a workshop (unless emergency towing/repair is required), and TJM reserves the right to direct repairs to a Tryg repair workshop; the customer must not agree repairs or compensation without TJM's consent.
Geographic scope
Europe and Green Card countries
The insurance covers in Europe, and in countries outside Europe that are affiliated with the green-card scheme.
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
Third-party liability - bodily injury
Covered
The mandatory liability insurance covers damage caused by the moped's use as a vehicle, including injury to third parties, when used by the persons covered under the policy. No specific sum insured is stated in the terms.
Third-party liability - property damage
Covered
The mandatory liability insurance covers damage to property or vehicles of others caused by the moped, except damage to property belonging to the regular user/policyholder or businesses owned by them, damage to the driver's own person/things, or damage to a towed vehicle/trailer. No specific sum insured is stated.
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.
Green card / territorial coverage
Covered
The insurance covers in Europe and in countries outside Europe affiliated with the green-card scheme.
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.
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.
Key conditions
Territorial scope
The insurance covers in Europe, and in countries outside Europe that are affiliated with the green-card scheme.
Green card rules
Cover outside Europe requires that the country is part of the green-card scheme; if other insurance for driving abroad has been purchased, TJM's cover is subsidiary to that insurance.
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.
Where to buy
Documents
Terms and conditions for unregistered moped (Betingelser nr. 21T0/21T9)
Terms & conditions