Danish drivers face serious insurance consequences if they use summer tires during winter conditions. New traffic law clarifications mean insurance companies may deny comprehensive coverage for accidents caused by inappropriate tires.
Rasmus Ruby-Johansen, motor claims manager at insurance company IF, explained the situation clearly. "This means if there's snow on the roads and your summer tires cause an accident, there's risk your comprehensive insurance won't cover it," he stated.
The legal changes give police authority to issue fines of 1,000 kroner per tire when drivers use summer tires in winter conditions. The updated traffic legislation specifies that vehicles must have tires "obviously suitable" for current road conditions.
For proper winter tires, Danish authorities approve those marked 'M+S'. During severe winter conditions with snow on roadways, they recommend tires with the '3PMSF' marking for better grip and safety.
The Danish Motorists' Federation expresses concern about these stricter rules affecting insurance coverage. Michael Ern Nielsen, a legal advisor with the organization, noted "While drivers should obviously drive responsibly, the wording about suitable tires makes us fear motorists could find themselves in situations where insurance doesn't cover them."
Insurance experts advise consumers to check their policy terms carefully. Anne Garde Slothuus, an insurance specialist, emphasized "Consumers should check with their insurance company whether their terms include specific requirements about tires. Ultimately, there must be a causal connection if insurance won't cover a claim."
She clarified one important protection remains. "Even in cases where comprehensive insurance might not cover your own car, liability insurance will still cover unless there's gross negligence or special notification from the insurance company about claiming liability expenses."
These regulatory changes took effect earlier this year during summer months. Many Danish drivers might not realize how significantly their insurance protection has changed. The new rules create a direct link between tire choice and financial protection.
This development reflects broader trends across Nordic countries strengthening winter driving requirements. Norway and Sweden already enforce strict seasonal tire regulations, though insurance implications vary. Denmark's approach now aligns more closely with its Scandinavian neighbors.
International drivers and expats in Denmark should pay particular attention. Many come from countries with less stringent winter tire requirements. They might unknowingly risk both fines and insurance coverage gaps. Checking tire markings and understanding local laws becomes essential for financial protection.
The timing coincides with Denmark's increasingly unpredictable winter weather patterns. Climate changes bring more frequent freeze-thaw cycles and sudden snowfalls. Proper tires become both a safety necessity and financial safeguard under the updated regulations.