Tailored protection for every Swedish driver
Compare our three comprehensive insurance packages designed to meet the specific needs of drivers in Sweden. From essential coverage to premium protection, we have the right solution for you.
Our Basic Package provides essential coverage that meets all legal requirements in Sweden while offering fundamental protection for your vehicle at an affordable price.
| Coverage Type | Details | Deductible |
|---|---|---|
| Third-party Liability (Trafikförsäkring) | Mandatory coverage for damages or injuries to others caused by your vehicle. Includes medical expenses and property damage. | No deductible |
| Fire Insurance (Brandförsäkring) | Covers damage to your vehicle caused by fire or lightning. | 1,500 SEK |
| Theft Protection (Stöldförsäkring) | Covers theft of your vehicle or break-in damage. Includes attempted theft. | 1,500 SEK |
| Glass Coverage (Glasförsäkring) | Covers repair or replacement of windshield and windows damaged by stones or other objects. | 1,500 SEK for replacement, 0 SEK for repairs |
| Legal Protection (Rättsskydd) | Up to 200,000 SEK in legal assistance for disputes related to your vehicle. | 20% of costs, minimum 1,000 SEK |
* The Basic Package is ideal for older vehicles or drivers on a budget who want essential coverage that meets legal requirements.
Our most popular option, the Standard Package offers comprehensive coverage for most driving situations in Sweden, providing peace of mind with collision coverage and roadside assistance.
| Coverage Type | Details | Deductible |
|---|---|---|
| All Basic Package Coverage | Includes all coverages from the Basic Package with the same or better terms. | Various (see Basic Package) |
| Collision Damage (Vagnskadeförsäkring) | Covers damage to your own vehicle in accidents, collisions, vandalism, or weather events. | 3,000 SEK |
| Roadside Assistance (Assistans) | 24/7 assistance for breakdowns, towing, tire changes, and other emergencies. | 500 SEK |
| Wildlife Collision (Viltskada) | Special coverage for collisions with wild animals (moose, deer, etc.) with reduced deductible. | 1,000 SEK |
| Crisis Therapy (Krisskada) | Up to 10 sessions with a psychologist after a traumatic accident. | No deductible |
* The Standard Package is our most popular option, suitable for most drivers who want comprehensive protection without premium extras.
The ultimate in vehicle protection, our Premium Package offers the most comprehensive coverage available in Sweden with exclusive benefits, lower deductibles, and unique features for discerning drivers.
| Coverage Type | Details | Deductible |
|---|---|---|
| All Standard Package Coverage | Includes all coverages from the Standard Package with the same or better terms. | Various (see Standard Package) |
| Enhanced Collision Coverage | Expanded collision coverage with lower deductible and higher value guarantees. | 1,500 SEK |
| Rental Car Coverage | Up to 30 days of rental car coverage while your vehicle is being repaired. | No deductible |
| Personal Injury Protection | Enhanced medical coverage for you and your passengers beyond the standard traffic insurance. | No deductible |
| Zero-Deductible Glass Coverage | Windshield and window repairs or replacements with no deductible. | No deductible |
| Premium Roadside Assistance | Enhanced roadside assistance with European coverage, hotel accommodations, and vehicle return service. | No deductible |
| New Car Replacement | For vehicles less than 1 year old: if totaled, we'll replace with a brand new equivalent model. | No deductible |
| Gap Insurance | Covers the difference between your car's market value and any outstanding finance amount. | No deductible |
| Personal Belongings Protection | Up to 20,000 SEK coverage for personal belongings in your vehicle. | 500 SEK |
| Key Loss Coverage | Covers replacement of lost or stolen keys, including reprogramming. | No deductible |
| Bonus Protection | Your first at-fault accident won't affect your bonus class or future premiums. | N/A |
* The Premium Package is ideal for new or high-value vehicles and drivers who want the absolute best protection with minimal out-of-pocket expenses.
| Coverage | Basic Package | Standard Package | Premium Package |
|---|---|---|---|
| Third-party Liability | |||
| Fire Insurance | |||
| Theft Protection | |||
| Glass Coverage | Zero Deductible | ||
| Legal Protection | Enhanced | ||
| Collision Damage | Enhanced | ||
| Roadside Assistance | Premium | ||
| Wildlife Collision | |||
| Crisis Therapy | |||
| Rental Car Coverage | Optional Add-on | ||
| Personal Belongings | Optional Add-on | ||
| New Car Replacement | |||
| Gap Insurance | |||
| Key Loss Coverage | |||
| Bonus Protection | |||
| Monthly Price | 1,200 SEK | 1,800 SEK | 2,400 SEK |
Prices shown are starting rates. Your actual premium will be based on factors like your driving history, vehicle, and location. Contact us for a personalized quote.
Our Basic Package covers the essentials and meets legal requirements, focusing on third-party liability and basic vehicle protection. The Standard Package adds collision coverage and roadside assistance, making it comprehensive for most drivers. The Premium Package includes all possible coverages with lower deductibles, rental car coverage, and exclusive benefits for those wanting maximum protection.
Yes, all packages can be customized to some extent. The Standard Package offers the most flexibility with several optional add-ons. Even with the Basic or Premium packages, we can tailor certain aspects to your specific needs. Contact our customer service team to discuss customization options.
A deductible (självrisk) is the amount you pay out-of-pocket when making a claim before your insurance coverage applies. In Sweden, different coverage types often have different deductible amounts. For example, glass damage might have a different deductible than collision damage. The Premium Package offers lower deductibles across the board, and in some cases, no deductible at all.
Yes, we offer several discounts, including:
The bonus-malus system (bonusklass) in Swedish insurance rewards safe driving. Each claim-free year advances you one class, resulting in premium discounts. At-fault claims cause you to drop several classes, increasing your premium. Our Premium Package includes bonus protection, which prevents your first at-fault accident from affecting your bonus class.
Contact us today for a personalized quote tailored to your specific vehicle and driving needs in Sweden. Our insurance advisors will help you choose the right coverage and explain all available discounts.
