DFIM

What DFIM does

DFIM (Dansk Forening for International Motorkøretøjsforsikring), also known as the Danish Motor Insurers' Bureau, is a private association established in 1927 that operates four statutory guarantee funds covering injury and damage caused by uninsured or unidentified motor vehicles, dogs, horses, and speedboats/jet skis in Denmark. DFIM is appointed by the Danish Ministry of Justice as the national Information Centre and Compensation Body under EU Motor Insurance Directive 2009/103/EC, giving it exclusive responsibility for cross-border motor insurance information exchange and for compensating victims when the responsible party is uninsured, unidentified, or foreign. The organization is governed by a board drawn from member insurance companies (chairman from Popermo, vice chairman from Aros Forsikring, with representatives from Tryg, Alm. Brand, and GF Forsikring) and is headquartered at Philip Heymans Allé 29 in Hellerup, Denmark.

DFIM's core products are four guarantee funds (motor vehicles, dogs/FAH, horses/FUH, speedboats/FSV), a daily fee collection service (250 DKK/day per uninsured vehicle, in force since January 1, 2019), frontier insurance for non-EEA vehicles brought into Denmark, and operation of the national Green Card Bureau. A MitID-authenticated self-service portal handles daily fee payment and payment plans, while Motorstyrelsen (Danish Motor Agency) provides terminal access to the Motor Register for identifying uninsured vehicles. The technical footprint is described as standard administrative and claims management systems rather than proprietary technology.

DFIM's revenue is generated from three streams: (1) usage-based daily fees of 250 DKK per day for motor vehicles without mandatory third-party liability insurance, with per-case ceilings of 25,000 DKK (private individuals, pre-2023 cases) and 60,000 DKK (businesses); (2) unit-priced frontier insurance premiums tiered by vehicle category, ranging from 450 DKK (mopeds, first month) to 2,700 DKK (trucks, first month); and (3) member contributions from all Danish motor third-party liability insurers, who are mandatory DFIM members. Customer segments split between institutional (member insurance companies that benefit from the guarantee fund and refer victims) and individual (accident victims seeking compensation, and registered owners of uninsured vehicles subject to daily fees). DFIM serves Denmark domestically and operates within the EU/EEA Information Centre network for cross-border claims.

Name

DFIM

Legal name

Dansk Forening for International Motorkøretøjsforsikring

Website

https://dfim.dk

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

11–50 employees

Short description

DFIM is the Danish Motor Insurers' Bureau, a statutory association that administers four guarantee funds covering uninsured motor vehicles, dogs, horses, and speedboats, and acts as Denmark's designated Information Centre and Compensation Body under EU Motor Insurance Directive 2009/103/EC.

Ownership category

akta.pro rank

Product category

Insurance Guarantee Funds

NAICS

Other Insurance Funds (525190), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Motor insurance guarantee
• Uninsured vehicle claims
• Frontier insurance issuance
• Green card bureau
• Statutory compensation fund

Headquarters

HQ city

Hellerup

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Daily fee collection: DFIM collects a daily fee of 250 DKK for each day a motor vehicle is without mandatory third-party liability insurance. The fee follows a person or business and is not tied to the vehicle itself. This revenue supports the guarantee fund operations and compensation of victims of uninsured vehicles.
2. Frontier insurance premiums: DFIM issues frontier insurance policies for vehicles registered in non-EEA countries brought to Denmark. Premiums vary by vehicle category (cars 800 DKK first month, motorcycles 600 DKK, trucks 2,700 DKK). Only mandatory third-party liability insurance is provided.

Pricing tiers

Distribution channels3 records

Marketing channels4 records

Core offering

DFIM administers four statutory guarantee funds covering motor vehicles, dogs, horses, and speedboats/jet skis, compensating victims when injury or damage is caused by uninsured or unidentified parties. It also collects daily fees of 250 DKK for uninsured vehicles, issues frontier (border) insurance for non-EEA vehicles brought into Denmark, serves as Denmark's national Green Card Bureau, and operates as the Information Centre and Compensation Body appointed by the Danish Ministry of Justice under EU Motor Insurance Directive 2009/103/EC.

Product overview

DFIM (Dansk Forening for International Motorkøretøjsforsikring) is a Danish guarantee fund organization that operates four guarantee funds covering motor vehicles, dogs, horses, and speedboats/jet skis. The organization processes claims when damage is caused by uninsured or unidentified sources in these categories. DFIM also serves as the national Information Centre and Compensation Body under EU Motor Insurance Directive 2009/103/EC, collects daily fees for uninsured vehicles (250 DKK/day), issues border insurance for non-EEA vehicles, and administers the Green Card system for international motor insurance verification. A self-service portal enables users to manage daily fee payments and claims submissions.

Differentiator

Problem solved

Functional benefit

Products and services

• DFIM Guarantee Fund - Motor Vehicles Guarantee fund that processes claims when injury and damage are caused by uninsured or unidentified motor vehicles in Denmark, serving as the national guarantee fund and compensation body under EU Motor Insurance Directive 2009/103/EC.
• DFIM Guarantee Fund - Dogs (FAH) Guarantee fund covering injuries or damage caused by uninsured or unidentified dogs, operated by the association of insurance companies taking over mandatory liability insurance for dogs.
• DFIM Guarantee Fund - Horses (FUH) Guarantee fund covering injuries or damage caused by uninsured or unidentified horses when they are loose or have broken out of enclosures, operated by the association of insurance companies taking over liability for uninsured or unknown horses.
• DFIM Guarantee Fund - Speedboats and Jet Skis (FSV) Guarantee fund covering liability for uninsured or unknown speedboats with hull length under 15 meters, jet skis and similar vessels.
• Daily Fee Collection (Dagsgebyr) Collection of daily fee (250 DKK per day) for motor vehicles without mandatory third-party liability insurance, implemented under Danish law effective January 1, 2019. The fee follows the person or business, not the vehicle.
• Border Insurance (Grænseforsikring) Mandatory frontier insurance issued by DFIM for vehicles registered in non-EEA countries brought into Denmark without liability coverage, providing coverage throughout the EU/EEC area. Premiums vary by vehicle category (cars, motorcycles, trucks/tractors, mopeds, buses, trailers).
• Green Card Bureau National Green Card Bureau of Denmark, serving as guarantor for foreign vehicles causing damage in Denmark and guaranteeing insurance coverage for Danish vehicles in other Green Card countries.
• Self-Service Portal (Selvbetjening) Online self-service portal for daily fee management, allowing users to pay fees, set up payment plans, and communicate with DFIM using MitID authentication. Accessible at selvbetjening.dagsgebyr.dk.

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• EU/EØS Information Centres (Green Card Bureaux)coreStrategic or Co-development PartnerDFIM is the Danish Green Card Bureau and exchanges insurance information with counterparts in all EU/EEA countries under the 2009/103/EC Motor Insurance Directive. This network enables cross-border claims handling and information exchange about motor vehicle insurance.
• Motorstyrelsen (Danish Motor Agency)coreStrategic or Co-development PartnerDFIM has terminal access to the Motor Register to identify uninsured vehicles for daily fee collection. Collaboration on vehicle deregistration and license plate management.
• Danish insurance companies (members)coreStrategic or Co-development PartnerAll insurance companies providing motor third-party liability insurance in Denmark are members of DFIM. They contribute to the guarantee fund and participate in claims handling through the association.
• Foreign insurance companies (via claims representatives)coreStrategic or Co-development PartnerUnder EU Motor Insurance Directive, foreign insurance companies appoint Danish claims representatives. DFIM coordinates these relationships for accident claims processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/garantifonde

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DFIM