How to become a member of DFIM – foreign insurance companies (non-registered vehicles)

DFIM must be informed of the insurance company’s representation through other parties:

• Danish-speaking representative
  DFIM is a Danish association, and communication with its members is conducted in Danish. DFIM therefore requires the insurance company to appoint a Danish representative to handle communication with DFIM.

• Outsourcing of claims handling in Denmark
  Claims handling may be outsourced to a third party on behalf of the insurance company.

• Claims handling representative under the Danish Insurance Business Act
  If a foreign insurance company operates in Denmark, either under the FOS or FOE principle, and covers risks under Class 10, a claims handling representative must be appointed who is resident or established in Denmark.

• Claims representatives under the Motor Insurance Directive
  If a person is injured abroad, the injured party must be able to submit a claim in their own language.

Lists of the above representatives must, as a minimum, include:

• Company name

• Company registration number

• Address

• Email

• Telephone number

In addition, documentation confirming the claims representation from a claims representative from every country must be delivered (acceptance letter). Example of wording:

"We would like to inform you that we accept the nomination from [xx] for [yy]. We confirm that the effective date for claims being handled by us is [date]."

DFIM keeps a register of its members’ claims representatives within the EU/EEA. The register is available at DFIM's website (Claims representatives) and with the COB (Council of Bureaux).

Upon receipt of the above information and documents, DFIM will send a standard membership agreement with appendices to the insurance company. The signed agreement must be returned to DFIM.

By signing the membership agreement and appendices, the insurance company simultaneously accedes to:

1. DFIM’s articles of association

2. Data Processing Agreement

The insurance company must also provide information about relevant contact persons.

DFIM will sign and confirm the membership once the Danish FSA has registered the insurance company’s presence in Denmark and its Class 10 approval.

For foreign insurance companies, DFIM must receive a copy of the national Class 10 approval from the financial supervisory authority in the home country.

The insurance company must then inform its national supervisory authority that it wishes to take out motor third-party liability insurance in Denmark based on its national Class 10 approval. The national supervisory authority must then inform the Danish FSA and submit the required documentation. Reference is also made to Chapter 6 of the Danish Insurance Business Act.

DFIM recommends that the insurance company also informs the Danish FSA directly to facilitate communication between the two supervisory authorities and support a coordinated process. The insurance company is welcome to share the draft membership agreement with the Danish FSA. DFIM is also happy to assist in the process.

Once the Danish FSA has received the required documentation, the insurance company’s presence in Denmark and its Class 10 approval will be registered in the Danish FSA’s business register.

Depending on the agreed process, DFIM may receive documentation either from the insurance company or directly from the Danish FSA.

Please note that the draft membership agreement will lapse if the insurance company’s presence in Denmark and its Class 10 approval have not been registered with the Danish FSA within 6 months from signature.

When the above requirements have been met, DFIM will have received:

1. Lists of representatives and letters of acceptance

2. Signed membership agreement with appendices

3. Copy of national Class 10 approval

4. Documentation of registration of the insurance company’s presence in Denmark and its class 10 approval with the Danish FSA