Tryg

territorial_scope

The MTPL (ansvarsforsikring) covers in Europe and in countries outside Europe that are members of the Green Card scheme. For trucks over 4 tonnes total weight, cover outside the EU/EEA area requires a special agreement with Tryg. The MTPL does not cover liability for damage to transported goods when the damage occurs outside Denmark. Roadside assistance (Tryg Vejhjælp) covers Denmark (excluding Greenland and the Faroe Islands) and on route E65 to Ystad as well as 25 km into Sweden and Germany. Extended European assistance covers geographical Europe plus Russia up to the Ural mountains, Israel, Morocco, Tunisia, Turkey and Iran, but not Greenland, the Faroe Islands or Iceland.

green_card_rules

The Green Card is an international motor insurance certificate and serves as proof of mandatory MTPL cover when driving abroad. The policy covers all countries listed on the Green Card. In Green Card countries, cover is provided according to the law of the country concerned, but at minimum at the Danish statutory limits. In other countries, cover is at Danish statutory limits. Only part I of the vehicle registration certificate should be carried in the vehicle when driving abroad to prevent re-registration risk. The insured should carry the international accident claim form and Tryg Vejhjælp Europa phone number when driving abroad.

driver_restrictions

The insurance covers the policyholder and anyone using or driving the vehicle with the policyholder's consent. If a person under 25 years uses the vehicle regularly (daily use), they must be registered as a user as this may affect the premium. Drivers under 23 must be pre-notified to Tryg. Constructive modifications such as engine tuning (chip-tuning or horsepower increases), changes to steering, brakes, or body work that affect driving characteristics and require technical inspection must be reported to Tryg immediately. If such changes are not reported and a claim occurs, the right to compensation may be reduced or lapse entirely.

claim_notification_deadline

Damage or accidents that may give rise to a compensation claim must be reported to Tryg immediately (omgående). In case of theft, robbery or vandalism, the claim must also be reported immediately to the police in the country where it occurred. The policyholder must not agree on liability or compensation, or authorise repairs, without Tryg's prior consent. Minor repairs may be initiated if it would be unlawful to continue driving the vehicle. For auto accident insurance, the obligation to pay compensation is conditional on the accident being reported to Tryg as soon as possible.

bonus_malus_rules

For each claim that results in an expense for Tryg, the policy moves back 2 premium steps (præmietrin) from the next main due date relative to the step applicable at the time of the claim. No step reduction applies for: damage caused while the vehicle was at a workshop or service station; damage caused by a known third party who bears full responsibility; damage caused by theft or vandalism by a known perpetrator; claims covered solely under legal defence, foreign rescue, car-loss or auto accident insurance; and damage where Tryg has paid personal injury compensation to the driver of another vehicle under the Road Traffic Act § 103 stk. 1 when the insured vehicle driver is without fault under § 103 stk. 2. When switching vehicles, the no-claims seniority (skadefri anciennitet) transfers to the new vehicle. The policyholder has the right to buy back a claim (tilbagekøb) within one year of being informed of the consequence to avoid the step reduction.

Rental car coverage

Coverage providing a loaner car when your vehicle is total loss or stolen, available for up to 14 days after compensation

Glass damage coverage

Coverage for glass damage including windshield, mirrors, lights, and panoramic sunroofs without deductible for repairs; fixed deductible applies for replacement

Parking damage coverage

Coverage for hit-and-run damage to parked vehicle without deductible when hit by another vehicle and perpetrator does not leave contact information

Lease vehicle coverage

Specialized coverage for leased vehicles including delivery damage coverage (max DKK 6,000 per claim, DKK 30,000 total) and first payment coverage for total loss or theft

Driver coverage

Coverage ensuring driver receives compensation for personal injury in solo accident (single-vehicle accident without third party) on same basis as responsibility insurance would provide

Assistance abroad

Comprehensive coverage assistance for breakdown and accidents when driving abroad within European boundaries; includes towing and emergency services

Authorized workshop network restriction

When comprehensive coverage is selected, if repairs are made at Tryg partner workshops, customer receives loaner car during repairs; otherwise Tryg may designate repair location

Annual mileage declaration requirement

Customer must declare and keep accurate annual mileage for vehicle; significant deviation from declared mileage may affect coverage validity and premium calculation; customer must update if usage changes

Driver age rating

Premium and coverage terms may be affected by age of regular/primary driver; young drivers under 25 may receive discounts if parent is existing customer; drivers under 23 must be pre-approved

Vehicle information accuracy requirement

Customer must provide accurate vehicle information at time of purchase and notify Tryg of any changes to vehicle specifications, power output, modifications, or additional equipment that affects coverage needs