About the daily fee
In Denmark, it is statutory to take out third party liability insurance for a motor vehicle.
If you are registered as the primary user of a vehicle, for example a car, motor cycle or moped, but you do not have the statutory third party liability insurance you will be charged a daily fee of DKK 250 from 1 January 2019.
The fee is charged for each day the vehicle is uninsured. The fee is significantly higher than the premium for third party liability insurance. To avoid being charged a fee you must either take out statutory third party liability insurance for your vehicle or deregister your vehicle with The Danish Motor Vehicle Agency (Danish tax authorities).
The daily fee has been laid down by law since there is currently approx. 50,000 vehicles in Denmark that are not covered by statutory insurance and which cause damage/injury to others. The total expenditures exceeds DKK 70 million annually.
If you do not have a liability insurance on your vehicle, you will ultimately pay for the damage you inflict on others and their things. In case of personal injuries that result in invalidity and loss of earning capacity, compensation costs may amount to millions of Danish kroner.
The object of the law is to reduce the number of uninsured vehicles and thus reduce the bill running into the millions to be paid by everyone who has taken out the statutory insurance. Both the Danish parliament (Folketinget) and DFIM find that it is unreasonable that customers have to pay for damage/injury caused by a vehicle without third party liability insurance.
DFIM is a guarantee fund that contributes to the payment of compensation to those who have been injured by an uninsured vehicle. From 1 January 2019, on which date the law came into force, DFIM is responsible for collecting the daily fee.