DFIM (Danish motor insurers' bureau) is a guarantee fund that processes claims when injury and damage are caused by uninsured or unidentified motor vehicles. We also process claims where injury and damage are caused by foreign motor vehicles, exchange insurance details with green card bureaux in other countries and act as compensation body when the accident takes place abroad.
The bureau members are all insurance companies which provide motor third party liability insurance.
DFIM collects the daily fee
DFIM is responsible for collecting a fee of DKK 250 for each day a motor vehicle has had no third party liability insurance. The fee scheme enters into force at the same time as the new law on 1 January 2019. The daily fee is payable until the vehicle has been deregistered, the licence plates removed or third party liability insurance has been taken out.
The fee follows a person or an undertaking and it is therefore not tied to the vehicle itself. It is not possible to take out a new policy for any vehicle until the fees owed to DFIM have been paid.
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DFIM handles and settles claims when unidentified or uninsured motor vehicles cause damage. We also exchange insurance details with bureaux in other countries and act as compensation body when the accident takes place in another country than Denmark. Our members are all insurance companies which provide motor third party liability insurance – both Danish and foreign Companies
The Danish Ministry of Justice has appointed DFIM as Information centre in Denmark in accordance with the 2009/103/EC MID (Former 4th MID).
DFIM exchanges insurance details about motor vehicles – both when Danish insurance companies request these details about foreign vehicles and when foreign information centres approach us for insurance details about Danish vehicles.
The 2009/103/EC MID
According to the 2009/103/EC MID, a victim has the right to return to his/her country of residence and direct the claim to a national insurance company that speaks the victim's language. Therefore, all motor insurance companies in the EU have appointed a claims representative in each of the other EU countries. In our function as information centre, we must therefore inform the inquirer of the name of the insurance company of the offending vehicle and its the claims representative in the inquirer's country.
Green Card Bureau
DFIM is the national green card bureau of Denmark and therefore the guarantor of all foreign vehicles that cause damage in Denmark. Correspondingly, DFIM is also the guarantor of insurance cover of Danish vehicles in the other green card countries.
The Danish Ministry of Justice has appointed DFIM as compensation body in accordance with the 2009/103/EC MID. In connection with accidents taking place outside of Denmark, DFIM as compensation body handles claims when the offending party's foreign insurance company has not appointed a claims representative in Denmark. The Danish victim must then direct the claim to DFIM.
The Danish victim may also direct the claim to DFIM if the offending vehicle's insurance company, or the company's Danish claims representative, has not - within the period of three months - accepted or rejected the claim or noted that acceptance/rejection cannot be made without additional information. DFIM will then handle the claim instead of the foreign insurance company/the Danish claims representative.
Unidentified or uninsured foreign vehicle
If the accident which occurred outside of Denmark is caused by an unidentified or uninsured foreign vehicle, there is no Danish claims representative, to whom the Danish claimant may bring the claim. In such cases the victim should also direct the claim to the Danish compensation body (DFIM).
If an uninsured or unknown motor vehicle causes damage in Denmark, DFIM is authorized to handle any claims that may arise.