On 22 August 2025, the Danish Guarantee Fund (DGF) published its annual announcement regarding insurer contributions for 2026. The update aligns with Executive Order BEK no. 587 of 26 May 2025 on contributions to the Guarantee Fund for non-life insurance companies.
Key Changes Effective 1 January 2026
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Rate Reduction for Non-Life Consumer Policies
The contribution rate for consumer insurance policies will be reduced from DKK 10 to DKK 5. -
Extension of Scope to Violent Injury Policies
Violent injury insurance policies, whether standalone or as an extension of occupational accident insurance, will now be subject to DGF contributions at a rate of DKK 30.
Unchanged Rules for Motor Liability Insurance
Motor liability insurance policies covering Class 10 risks remain unchanged. A contribution of DKK 5 continues to apply, payable only by domestic insurance companies. Foreign insurers operating in Denmark or Greenland under freedom of services (FoS) or freedom of establishment (FoE) are excluded.
Effective Date
The new rates and extended scope apply to all policies taken out or renewed on or after 1 January 2026.
