Insurance Packages - Swedish Car Insurance Guide

Basic

Standard

Premium

Side-by-Side Comparison

Basic Insurance Package

Our Basic package provides the essential coverage required by Swedish law plus additional protections for common risks. This option is ideal for budget-conscious drivers or those with older vehicles looking for fundamental coverage.

Coverage Includes:

Third-Party Liability (Trafikförsäkring)

Legally required insurance that covers damage you cause to other people, their vehicles, or property. Includes personal injury coverage for passengers in your vehicle.

Fire Insurance

Covers damage to your vehicle caused by fire, lightning, or explosion. Also includes damage from short circuits in the electrical system.

Theft Protection

Provides coverage if your vehicle is stolen or damaged during an attempted theft. Includes compensation for personal items in the car up to 5,000 SEK.

Basic Legal Protection

Covers legal expenses up to 75,000 SEK related to disputes involving your vehicle, such as disagreements with repair shops or private vehicle sales.

Collision Damage

Not included in Basic package. This means damage to your own vehicle from accidents, collisions, or weather events is not covered.

Glass Coverage

Not included in Basic package. Windshield or window damage repairs would be at your own expense.

Who Should Choose Basic Coverage?

Owners of older vehicles (typically 10+ years) with lower market value
Drivers with significant financial reserves who can afford to repair or replace their vehicle if damaged
Those looking for the most affordable option that meets legal requirements
Vehicles that are rarely used or driven very little

Base Deductible: 1,500 SEK for theft and fire claims

Basic Package

3,500 SEK

per year

Third-party liability
Fire insurance
Theft protection
Legal protection
Collision coverage
Glass protection

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*Price shown is a starting point. Actual premium will depend on driver history, vehicle type, and other factors.

Additional Options

Basic roadside assistance: +450 SEK/year
Glass coverage add-on: +650 SEK/year

Standard Insurance Package

Our most popular option, the Standard package provides comprehensive coverage for the average driver. This balanced package includes all the essentials plus collision coverage to protect your vehicle in accidents.

Coverage Includes:

Everything in Basic Package

Includes all Third-Party Liability, Fire Insurance, Theft Protection, and Legal Protection benefits from the Basic package.

Collision Damage (Vagnskadeförsäkring)

Covers damage to your own vehicle in accidents, collisions with objects, vandalism, and weather-related incidents like storms or flooding. This is the most significant addition compared to the Basic package.

Glass Coverage

Covers repair or replacement of your windshield and other vehicle glass damaged by stones or other objects. No deductible applies for repairs, only for full replacement.

Enhanced Legal Protection

Increased coverage for legal expenses up to 150,000 SEK, with a broader range of covered disputes.

Standard Roadside Assistance

24/7 emergency assistance if your vehicle breaks down, including towing to the nearest repair facility up to 100 km, emergency fuel delivery, and lockout assistance.

Rental Car Coverage

Not included in Standard package. If your vehicle is being repaired after an accident, rental costs would be your responsibility.

Who Should Choose Standard Coverage?

Most drivers with vehicles less than 10 years old
Anyone wanting protection for their own vehicle in case of accidents
Drivers who want a good balance between comprehensive coverage and reasonable cost
Those who use their vehicle regularly for commuting and daily activities

Base Deductibles:

Collision damage: 4,000 SEK
Glass replacement: 1,500 SEK (repairs are free)
Theft and fire: 1,500 SEK

Standard Package

5,800 SEK

per year

Third-party liability
Fire insurance
Theft protection
Legal protection
Collision coverage
Glass protection
Roadside assistance
Rental car coverage

Get a Quote

*Price shown is a starting point. Actual premium will depend on driver history, vehicle type, and other factors.

Additional Options

Rental car coverage: +750 SEK/year
Reduced deductible: +650 SEK/year
Allrisk coverage: +450 SEK/year

Premium Insurance Package

Our most comprehensive option, the Premium package provides maximum protection and peace of mind. With extended coverage and additional benefits, this package is designed for those who want the highest level of security for their vehicle.

Coverage Includes:

Everything in Standard Package

Includes all benefits from the Standard package: Third-Party Liability, Fire Insurance, Theft Protection, Legal Protection, Collision Damage, Glass Coverage, and Roadside Assistance.

Enhanced Roadside Assistance

Premium roadside assistance with extended towing distance up to 250 km, hotel accommodation if breakdown occurs far from home, vehicle recovery from difficult locations, and emergency driver if you're unable to drive.

Rental Car Coverage

Covers the cost of a rental vehicle for up to 30 days if your car is being repaired after a covered claim. Includes up to 75% of the daily rental cost for a comparable vehicle.

Mechanical Breakdown Coverage

For vehicles up to 8 years old or 12,000 km, covers sudden and unexpected failure of mechanical, electrical, and electronic components. This protection is especially valuable for newer and more technologically advanced vehicles.

Personal Belongings Coverage

Enhanced coverage for personal items stolen from or damaged in your vehicle, up to 20,000 SEK. Includes electronics, luggage, and other personal effects.

Reduced Deductibles

Lower deductibles on collision, theft, and glass claims compared to the Standard package, resulting in less out-of-pocket expense when you make a claim.

Allrisk Coverage

Covers a range of minor accidents inside the car, including spilled liquids, interior damage, lost keys, and other incidents not typically covered by standard policies.

New Car Replacement

If your vehicle is less than 2 years old and sustains damage exceeding 50% of its market value, we'll replace it with a new car of the same make and model rather than paying the depreciated value.

Who Should Choose Premium Coverage?

Owners of new, high-value, or luxury vehicles
Those who want maximum peace of mind with minimal out-of-pocket expenses in case of claims
Drivers who regularly travel long distances or in remote areas
Anyone who relies heavily on their vehicle and needs quick replacement or rental options if their car is damaged
Owners of vehicles with advanced technology or expensive components

Base Deductibles:

Collision damage: 2,500 SEK (reduced from 4,000 SEK in Standard)
Glass replacement: 750 SEK (repairs are free)
Theft and fire: 1,000 SEK
Mechanical breakdown: 1,500 SEK

Premium Package

8,200 SEK

per year

All Standard features
Enhanced roadside assistance
Rental car coverage
Mechanical breakdown
Personal belongings
Reduced deductibles
Allrisk coverage
New car replacement

Get a Quote

*Price shown is a starting point. Actual premium will depend on driver history, vehicle type, and other factors.

Special Discounts

Multi-policy discount: -10% when combined with home insurance
Safe driver discount: Up to -15% for claim-free driving
Security feature discount: Up to -5% for vehicles with advanced safety features

Side-by-Side Package Comparison

Compare our insurance packages to find the perfect coverage for your needs and budget.

Coverage Features	Basic 3,500 SEK/year	Standard 5,800 SEK/year	Premium 8,200 SEK/year
Third-Party Liability Legally required coverage for damage to others
Fire Insurance Protection against fire, lightning, explosion
Theft Protection Coverage if your vehicle is stolen
Legal Protection Coverage for legal expenses	Basic 75,000 SEK	Enhanced 150,000 SEK	Premium 250,000 SEK
Collision Coverage Protection for your vehicle in accidents		4,000 SEK deductible	2,500 SEK deductible
Glass Coverage Windshield and window damage		1,500 SEK deductible	750 SEK deductible
Roadside Assistance Emergency help if vehicle breaks down	Optional add-on	Standard coverage	Enhanced coverage
Rental Car Coverage Temporary vehicle while yours is repaired		Optional add-on	30 days
Personal Belongings Items in your vehicle	5,000 SEK	10,000 SEK	20,000 SEK
Mechanical Breakdown Coverage for component failures			For vehicles up to 8 years
Allrisk Coverage Minor accidents inside the car		Optional add-on
New Car Replacement Replacement rather than repair for severe damage			For vehicles under 2 years
International Coverage Protection when traveling abroad	Basic EU only	Standard EU + some non-EU	Comprehensive Most countries
Claims Support Assistance when filing claims	Standard	Priority	VIP service

Ready to Choose Your Coverage?

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Frequently Asked Questions

How are insurance premiums calculated?

Insurance premiums are calculated based on several factors including your vehicle's make, model, and age; your driving history and experience; where you live; your annual mileage; and any available discounts. We also consider statistical data about accident likelihood and repair costs for specific vehicle types.

Can I change my coverage level mid-policy?

Yes, you can upgrade or downgrade your coverage at any time during your policy period. Changes typically take effect immediately, and your premium will be adjusted accordingly on a pro-rated basis. Contact our customer service team to make changes to your policy.

What deductible options are available?

We offer multiple deductible options for each coverage type. Higher deductibles result in lower premiums but mean you'll pay more out-of-pocket if you have a claim. Lower deductibles increase your premium but reduce your financial burden after an incident. We can help you find the right balance for your budget and risk tolerance.

How do discounts work?

We offer various discounts including safe driver discounts, multi-policy discounts when you bundle with home insurance, security feature discounts for vehicles with advanced safety systems, and loyalty discounts for long-term customers. Discounts are applied automatically when you qualify and can combine for significant savings.

What isn't covered by these insurance packages?

Common exclusions include damage caused while driving under the influence, racing or using the vehicle for commercial purposes without proper coverage, intentional damage, and normal wear and tear. Pre-existing damage is also not covered. Each policy contains specific exclusions, which are clearly outlined in your policy documents.

How do I file a claim?

Filing a claim is simple. You can report a claim through our mobile app, online portal, or by calling our 24/7 claims hotline. You'll need to provide details about the incident, any other parties involved, photos of the damage, and your policy information. Our claims representatives will guide you through the process and keep you informed at every step.

Our Insurance Packages

Basic Insurance Package

Coverage Includes:

Third-Party Liability (Trafikförsäkring)

Fire Insurance

Theft Protection

Basic Legal Protection

Collision Damage

Glass Coverage

Who Should Choose Basic Coverage?

Basic Package

Additional Options

Standard Insurance Package

Coverage Includes:

Everything in Basic Package

Collision Damage (Vagnskadeförsäkring)

Glass Coverage

Enhanced Legal Protection

Standard Roadside Assistance

Rental Car Coverage

Who Should Choose Standard Coverage?

Standard Package

Additional Options

Premium Insurance Package

Coverage Includes:

Everything in Standard Package

Enhanced Roadside Assistance

Rental Car Coverage

Mechanical Breakdown Coverage

Personal Belongings Coverage

Reduced Deductibles

Allrisk Coverage

New Car Replacement

Who Should Choose Premium Coverage?

Premium Package

Special Discounts

Side-by-Side Package Comparison

Ready to Choose Your Coverage?

What Our Customers Say

Frequently Asked Questions

How are insurance premiums calculated?

Can I change my coverage level mid-policy?

What deductible options are available?

How do discounts work?

What isn't covered by these insurance packages?

How do I file a claim?

Ready to Get Protected?