Omission fee for Uninsured Vehicles

    Publisert

    The omission fee was introduced in Norway on 1 March 2018 to encourage owners of uninsured vehicles to obtain mandatory third-party liability insurance. The Norwegian Motor Insurers’ Bureau (TFF) is responsible for collecting the fee, which is used to cover damages caused by uninsured or unidentified vehicles.

    Insurance Obligation

    • All registered vehicles must have liability insurance, regardless of use.
    • Insurance must be purchased from a company that is a member of TFF.
    • Owners without insurance risk personal financial liability, with claims potentially reaching several million NOK.

    You can check your vehicle’s insurance status through https://tffauto.no/minside/, the industry’s joint insurance information system.

    Daily Fees for Uninsured Vehicles

    If your vehicle is not insured, you will receive a daily fee from TFF for each day the vehicle remains uninsured:

    • Mopeds, tractors, vintage vehicles: NOK 50/day
    • Passenger cars, vans, motorcycles, snowmobiles: NOK 150/day
    • Buses, lorries: NOK 250/day

    Traffic Insurance Tax

    In addition to the daily fee, a traffic insurance tax (formerly the annual motor vehicle tax) is also collected on behalf of the state. If the fee and the tax are not paid, the claim will ultimately be forwarded to debt collection.

    Unpaid fees and traffic insurance tax will be subject to debt collection.

    What can you do if...

    You are insured

    • If you have bought mandatory liability insurance for your vehicle, please contact your insurance company so they can correct it.
    • If it turns out that you were insured, we will automatically refund the fee when the insurance company has updated our computer systems.
    • If you still want to file a complaint, please attach your insurance papers for documentation.
    • TFF will then send the complaint to the insurance company for a statement.
    • If you were insured, we will refund the fee.
    • If you were not insured, your complaint will not be accepted.

    You have wrecked or deregistered your vehicle

    • If you have a wrecked or deregistered vehicle, please contact the Norwegian Public Roads Administration to ensure they register this in the motor vehicle register.
    • If it turns out that the vehicle was wrecked or deregistered during the fee period, we will automatically refund the fee when the motor vehicle register is updated.
    • If you still want to complain about the fee, please attach the receipt of the wrecking of the vehicle or the deregistration of the vehicle. A complaint on this basis will not be accepted if such receipt/documentation is not attached.

    You have sold the vehicle

    • If you have sold the vehicle, please ensure that the sales notice has been submitted and the buyer has approved the sales notice. It is the seller's responsibility to ensure that the correct sales notice has been submitted and is approved by the buyer.
    • If you are the owner of an uninsured vehicle in the motor vehicle register, you will be responsible for paying the fee.

    You have delivered the vehicle for condemnation

    • If you have delivered your vehicle for condemnation, please contact your insurance company and make sure they submit the sales notice.
    • If it turns out that the insurance company had assumed ownership of the vehicle before it was uninsured, we will automatically refund the fee from the date of sale when the insurance company has submitted the sales notice.
    • If you still want to complain about the fee, you must attach the receipt for the condemnation of the vehicle. A complaint on this basis will not be accepted if such receipt/documentation is not attached.

    The vehicle is not in use

    • If your vehicle is not in use, you must deregister or insure it.
    • In accordance with section 15 of the Motor Insurance Act, all registered motor vehicles must be insured. The fact that a vehicle is not in use does not release the owner from the insurance obligation.
    • A complaint on this basis will not be accepted.

    You are the owner of a vehicle you are not in possession of/have sold

    • If you are the owner of a vehicle that you are not in possession of, you must contact the Norwegian Public Roads Administration.
    • You can submit a complaint to TFF in order to have the claim temporarily suspended. Please attach documentation that proves when and to who the vehicle has been sold if that is the case.

    You did not have insurance due to circumstances beyond your control

    • If breach of the obligation to buy insurance must be considered excusable as a result of circumstances beyond your control, such as serious illness which made you unable to buy/renew insurance, you must submit a complaint.
    • If you complain on this basis, it is your responsibility to prove and document the circumstances. In case of illness, a supplementary medical certificate must be attached to the complaint.

    The owner of the vehicle is dead

    The police has deregistered the vehicle, but it is not listed as deregistered in the motor vehicle registry

    1. You must make sure the police deliver the license plates to the Norwegian Public Roads Administration if they have not already been delivered.
    2. If the license plates have been delivered to the Norwegian Public Roads Administration, but the vehicle is not deregistered, you must request that the Norwegian Public Roads Administration deregister on the date the license plates were taken by the police. 

    False sales notice (ID theft) has been submitted

    1. You must report this to the police.
    2. You must get the Norwegian Public Roads Administration to cancel the notification of sale in their system.
    3. If the Norwegian Public Roads Administration cancels the sales notification, TFF will receive a notification of this directly from the motor vehicle register.
    4. You must send the received documentation from the Norwegian Public Roads Administration to TFF.

    The vehicle is unregistered or wrecked

    • If your vehicle has been de-registered or wrecked, you must contact the Norwegian Public Roads Administration.
    • If documentation of deregistration or wreck notification cannot be obtained, you can deregister the vehicle on the Norwegian Public Roads Administration website.

    The vehicle is confiscated by the police

    1. You need to send us the formal confirmation you received from the police that the vehicle has been confiscated.
    2. The confirmation must include the date on which the vehicle was confiscated, that it is still confiscated and whether you have access to the license plates or not.

    The vehicle is sold to a known owner

    1. You must submit a sales notice to the Norwegian Public Roads Administration. If a new owner does not cooperate, you must contact the Norwegian Public Roads Administration. 
    2. You must submit a complaint to TFF in order to have the claim temporarily suspended. Please attach documentation that proves when and to who the vehicle has been sold.

    The vehicle cannot be deregistered because the license plates have been lost/lost

    • You must report the license plates lost to the police and bring the notice of loss to the Norwegian Public Roads Administration.
    • You can also deregister the vehicle on the Norwegian Public Roads Administrations website.

    The vehicle is stolen

    1. You must report the vehicle stolen to the police and ensure that this is reported in the police data system ELYS, and that a notice is sent the motor vehicle registry stating that the vehicle is stolen/missing.
    2. If you have previously reported the vehicle stolen, you must request a formal confirmation on when the report was made, and that the vehicle has not yet been recovered. The registration number must appear on the confirmation.

    The vehicle has been recovered according to the motor vehicle register, but you have not been informed of this

    1. You must contact the police and ask where the vehicle is located.
    2. You must buy insurance or deregister the vehicle as soon as possible. You can deregister the vehicle on the Norwegian Public Roads Administration website.
    3. You need to get a formal confirmation from the police about where the vehicle is, and that you were not informed that the vehicle was recovered by the police. The confirmation must be sent to TFF.

    The vehicle is exported (out of the country)

    1. The license plates must be submitted to the Norwegian Public Roads Administration, if this is not yet done and the vehicle does not have the status as exported in the motor vehicle register. You or foreign registration authority must submit documentation to the Norwegian Public Roads Administration so that the vehicle can be registered as exported or deregistered on the correct date
    2. If the Norwegian Public Roads Administration cannot update the motor vehicle registry for technical reasons, you must request a formal decision on when the vehicle was exported/deregistered. Please send the letter from the Norwegian Public Roads Administration to TFF.