The Danish Guarantee Fund for Non-life Insurers

The Danish Guarantee Fund for Non-Life Insurance Companies protects policyholders and injured parties if an insurance company becomes insolvent. The Fund also administers Industrial Injury Insurance schemes.

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Latest news

September 30, 2026

Collection of contribution to the Danish Guarantee Fund for 2027

The Danish Financial Supervisory Authority has informed the Danish Guarantee Fund for Non-life Insurers that the collection of contributions for consumer insurance and equivalent insurance written or renewed in Denmark.

August 22, 2025

Collection of contribution to the Danish Guarantee Fund for 2026

The contribution rates to the Danish Guarantee Fund for 2026 have now been published. Please see the applicable contribution rates for the various types of insurance.

October 15, 2024

Contributions to the Danish Guarantee Fund on Motor Insurance in Denmark and Greenland

The Danish Financial Supervisory Authority has clarified that the term "vehicle" in Section 2, subsection 2 of the Act on a Guarantee Fund for Non-Life Insuranc

July 17, 2024

The Danish Guarantee Fund will compensate for motor liability damage in- and outside Denmark

The Guarantee Fund provides compensation to claims from an injured party for damage to property or personal injuries caused by a vehicle insured against civil liability by a bankrupt insurance company.

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Has your insurance company been declared bankrupt?

The Danish Guarantee Fund for Non-Life Insurance Companies can help if your insurance company has become insolvent. We can also assist if you have an ongoing claim involving an insurance company that has become insolvent. Read more about your options here.

For insurance companies

Image Ongoing Contributions to the Guarantee Fund

Ongoing Contributions to the Guarantee Fund

Get an overview of the contributions your company must pay to the Guarantee Fund. Here you can find information about calculations, collection procedures, and payment.

Image Frequently Asked Questions About Membership

Frequently Asked Questions About Membership

Find answers to frequently asked questions about membership of the Guarantee Fund. Read more about membership requirements, contributions, and practical matters.

Image Membership of the Guarantee Fund

Membership of the Guarantee Fund

Non-life insurance companies and certain life insurance companies are required to be members of the Guarantee Fund. Here you can find information about membership requirements, registration, and the rules that apply to your company.

Register Membership of the Guarantee Fund

All insurance companies covered by the Guarantee Fund must be registered in the system. Register your company here to gain access to policy reporting and contribution payments.

Quick links

Industrial Injury Insurance

The Danish Guarantee Fund for Non-life Insurers takes over the coverage of industrial injury insurance claims concerning Alpha Insurance A/S in bankruptcy and CBL Insurance Europe Dac in bankruptcy.

The Danish Guarantee Fund's members

View the full list of members of the Danish Guarantee Fund for Non-Life Insurers.

Legal framework

The Guarantee Fund was established by 'The Guarantee Fund for Non-life Insurers Act' which took effect on 1 October 2003.

Questions and answers for the insurance policyholders

Are you unsure what happens if your insurance company goes bankrupt? Here you can find answers to the most frequently asked questions about coverage, compensation and your options as a policyholder.