About TFF

Fee arrangement

Norwegian Motor Insurers’ Bureau (TFF) is charged with the task of collecting fees from uninsured vehicle owners in accordance with Section 17 a of the Motor Liability Act. For more information about the scheme, see our article on fees for uninsured vehicles.

Green Card cooperation

TFF has agreements with similar associations in 47 countries where TFF guarantees correct settlement if Norwegian motor vehicles cause damage in any of these countries. If a motor vehicle from one of the agreement countries causes damage in Norway, TFF or the person authorized by TFF must process and settle the damage on behalf of the foreign insurance company that has liability insurance on the motor vehicle (Green Card system).

The agreement - Internal Regulations between Bureaux - regulates the relationship between the national traffic insurance associations and includes the following two elements:

1. Uniform Agreement, which means that an insurance certificate - Green Card - issued by a country's traffic insurance association guarantees the correct compensation settlement for damages caused in another member state by a motor vehicle insured in one of the issuing traffic insurance association's member companies.

The associations in the agreement countries have established a cooperation body under the name Council of Bureaux. In addition to Norway, the following countries are included:

Albania, Andorra, Azerbaijan, Belgium, Bosnia Herzegovina, Bulgaria, Denmark, Estonia, Finland, France, Greece, Belarus, Iran, Ireland, Iceland, Israel, Italy, Croatia, Cyprus, Latvia, Lithuania, Lichtenstein, Luxemburg, F.Y.R.O.M. (Macedonia), Malta, Morocco, Moldova, Montenegro, Netherlands, Poland, Portugal, Romania, Russia, Slovakia, Slovenia, Spain, United Kingdom, Serbia, Switzerland, Sweden, Czech Republic, Tunisia, Turkey, Germany, Ukraine, Hungary and Austria.

2. Multilateral Agreement, which is a general guarantee agreement (non-checking of "green cards" at the border) in that the national registration number on the motor vehicle is proof of valid traffic insurance, and covers the following countries as of 15.12.2022: The 27 member states of the EU in in addition to Andorra, Lichtenstein, Iceland, Serbia, Great Britain, Switzerland and Norway.

Guarantee fund

As a guarantee fund, TFF is also responsible for damage caused by unknown or uninsured motor vehicles in Norway in accordance with Section 10 of the Motor Liability Act.

Frontier insurance

Furthermore, TFF, through the customs service, issues frontier insurance (MTPL insurance) to owners of foreign motor vehicles, which are not covered by the Green Card system, for driving within the EEA area (and Switzerland) if such insurance had not already been purchased before crossing the border into Norway. TFF is also responsible for damage such motor vehicles cause while driving in Norway.

Other functions

TFF is assigned the function of compensation body, information center and central body in accordance with the EU's 4th and 5th motor insurance directive.

People who have been involved in traffic accidents with foreign vehicles can contact TFF to find out where the vehicle is insured.

As a compensation body, TFF will step in and process claims where a foreign insurance company's Norwegian representative does not fulfill its obligations under the above-mentioned EU directive.