About DFIM

DFIM's Role in the EU System

The EU Motor Insurance Directive (2009/103/EC) ensures, among other things, that individuals in EU and EEA countries who are involved in a road traffic accident in another EU or EEA country can have their claim handled through a representative in their own country, provided they are not at fault. As part of this system, DFIM performs several functions in Denmark.

DFIM as an information centre

DFIM has been designated by the Danish Ministry of Justice as the information centre in Denmark under the EU Motor Insurance Directive.

DFIM is responsible for exchanging information on insurance matters with other countries. In addition, the information centre must provide details of the claims representative appointed by a Danish insurance company in the EU/EEA country where the injured party resides.

DFIM as a compensation body

DFIM has also been designated by the Danish Ministry of Justice as the compensation body in Denmark under the Motor Insurance Directive.

As a compensation body, DFIM can intervene in a case if the at-fault party’s insurance company has not appointed a claims representative in Denmark.

DFIM may also intervene in cases where the insurance company or its representative has not provided a response to the claim within three months or has indicated that further information or additional processing time is required.

DFIM can also be contacted if the damage is believed to have been caused by an unknown or uninsured motor vehicle in another EU country.

DFIM is the national Green Card Bureau and acts as guarantor for all foreign motor vehicles that cause damage in Denmark. Likewise, a guarantee is provided for insurance cover for Danish vehicles in Green Card countries.

Read more about the Green Card here.

DFIM issues frontier insurance. Please note that frontier insurance is only issued for motor vehicles registered in a country other than Denmark.

Read more about frontier insurance here.

Guarantee fund

Under the Internal Regulations, DFIM acts as guarantor for all foreign motor vehicles that cause damage in Denmark.

If an uninsured or unknown motor vehicle causes damage in Denmark, DFIM may, as a guarantee fund, cover the damage. Read more about accidents in Denmark here.

Daily fees

In Denmark, it is mandatory to have third-party liability insurance for motor vehicles. If a vehicle is not insured, the registered owner or user of the vehicle, for example a car, motorcycle or moped, is charged a daily fee of DKK 250. DFIM is responsible for collecting the daily fee. The fee is charged until third-party liability insurance has been taken out or the vehicle’s number plates have been returned to the Danish Motor Vehicle Agency.

The daily fee was introduced by law in January 2019, as there were approximately 50,000 vehicles in Denmark without the required insurance at the time. The purpose of the law is to reduce the number of uninsured vehicles and thereby lower the costs that are otherwise shared by those who have taken out the required insurance.

Read more about daily fees here.