Last Updated: August 15, 2023
At SwedishAutoGuard, we strive to provide clear and transparent information about our refund procedures for car insurance premiums. This policy outlines when and how refunds are processed, as well as any conditions or limitations that may apply.
This Refund Policy is subject to the terms and conditions set forth in your insurance policy documents. In case of any discrepancy between this Refund Policy and your policy documents, the terms in your policy documents shall prevail.
SwedishAutoGuard offers a 100% satisfaction guarantee on all our products. If you're not completely satisfied with the quality, freshness, or condition of any item in your order, we will provide a refund or credit at our discretion.
This guarantee applies to both one-time purchases and subscription deliveries.
You may be eligible for a refund in the following circumstances:
To be eligible for a refund, you must notify us of the issue within:
We strongly recommend that you inspect your order as soon as possible after delivery to ensure timely reporting of any issues.
We do not typically require you to return perishable items. For non-perishable products, we may request that you return the item before processing a refund. If a return is required, we will provide instructions and may cover return shipping costs depending on the circumstances.
In accordance with Swedish consumer protection laws, you have a 14-day cooling-off period after purchasing a new insurance policy. If you cancel your policy within this period and no claims have been made, you are entitled to a full refund of any premiums paid, minus a small administrative fee of 250 SEK.
If you choose to cancel your policy after the 14-day cooling-off period, refunds will be calculated on a pro-rata basis. This means you will receive a refund for the unused portion of your premium, minus an administrative fee of 500 SEK. The refund amount is calculated as follows:
For example, if you paid 12,000 SEK for a 12-month policy and cancel after 3 months:
If you cancel your policy because you have sold your vehicle or it has been permanently deregistered, you will receive a pro-rata refund as described in section 2.2, but with a reduced administrative fee of 250 SEK. You must provide documentation confirming the sale or deregistration.
If we cancel your policy due to non-payment of premiums, fraud, or material misrepresentation, refund calculations will follow the terms specified in your policy documents. In cases of non-payment, no refund will typically be issued. In other cases, refunds will be calculated on a pro-rata basis as described in section 2.2.
If you make changes to your policy during its term (such as changing vehicles, adding or removing drivers, or modifying coverage options), your premium may increase or decrease. If the changes result in a decrease, the difference will be refunded on a pro-rata basis with no administrative fee.
If you have inadvertently made duplicate premium payments, the duplicated amount will be refunded in full with no administrative fee. Please contact our customer service team as soon as possible if you notice a duplicate payment.
If we have made an error resulting in an overcharge of your premium, the overcharged amount will be refunded in full with no administrative fee, plus interest at a rate of 2% per annum for the period during which the overcharge occurred.
Refunds will generally be processed using the same payment method that was used for the original payment:
If the original payment method is no longer valid or available, we will contact you to arrange an alternative refund method.
We process refund requests within 10 business days of receiving all required documentation. Once processed, refunds may take additional time to appear in your account, depending on your payment provider:
The following fees are non-refundable under any circumstances:
These fees will be clearly disclosed during the purchase process and in your policy documents.
In the unfortunate event of the policyholder's death, the policy can be canceled, and a pro-rata refund will be issued to the policyholder's estate with no administrative fee. The executor or administrator of the estate must provide appropriate documentation.
If the policyholder declares bankruptcy, the policy can be canceled, and any refund will be issued according to legal requirements and may be subject to claims by creditors.
In some cases, such as when selling a vehicle, the policy may be eligible for transfer to the new owner rather than cancellation. Please contact our customer service team to discuss this option, which may involve different fee structures than cancellation.
If you are dissatisfied with our handling of your refund request, please contact our customer service team at +46 8 123 456 or [email protected]. If your concern remains unresolved, you can escalate it to our Complaints Department at [email protected].
You also have the right to contact the Swedish Consumer Insurance Bureau (Konsumenternas Försäkringsbyrå) or the National Board for Consumer Disputes (Allmänna reklamationsnämnden) for independent guidance and dispute resolution.
We reserve the right to modify this Refund Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. Changes will not apply retroactively to refund requests already in process.
If you have any questions about this Refund Policy or would like to request a refund, please contact us at:
SwedishAutoGuard AB
Attention: Refunds Department
Drottninggatan 102
Stockholm, 111 60
Sweden
Email: [email protected]
Phone: +46 8 123 456
