Casco (own-damage car insurance) — Sweden

[1] Own damage: SEK 1,500,000 ↩

Covers damage to the insured's own vehicle caused by a traffic accident, another sudden external accidental event, or intentional vandalism by a third party. Included only in the Full insurance (Helförsäkring) tier, not in Half insurance. Maximum compensation is SEK 1,500,000 (SEK 150,000 for vehicles older than 50 years).

Högsta ersättningsbelopp är 1,5 miljoner kronor. Gäller försäkringen med ett högre försäkringsbelopp framgår det av försäkringsbrevet.

[2] Total loss: SEK 1,500,000 ↩

Total loss of the vehicle (through fire, theft, or vagnskada) is compensated up to the vehicle's market value immediately before the loss, capped at SEK 1,500,000 (SEK 150,000 for vehicles older than 50 years). Fire and theft total loss is covered already under Half insurance; collision or vandalism total loss requires Full insurance.

Högsta ersättningsbelopp är 1,5 miljoner kronor. För fordon som är äldre än 50 år, räknat från första registreringen, är det högsta ersättningsbeloppet begränsat till 150 000 kronor.

[3] Partial loss: SEK 1,500,000 ↩

Repair or partial-damage costs are valued according to the vehicle's market value immediately before the loss, capped at SEK 1,500,000 overall. Applies to whichever peril (fire, theft, or vagnskada) is covered by the policyholder's tier; vagnskada-related partial loss requires Full insurance.

Beräkning av kontant ersättning grundar sig på fordonets värde i allmänna handeln omedelbart före skadan.

[4] Theft & robbery: SEK 1,500,000 ↩

Covers theft, robbery, unauthorized taking, or attempts thereof. Compensation for stolen wheels is capped at SEK 35,000 (SEK 25,000 if the wheels were not fitted with a wheel lock); original-fitted wheels have no separate cap. Overall casco cap of SEK 1,500,000 applies. Included in both the Half insurance (delkasko) and Full insurance tiers.

För personbil, motorcykel, terränghjuling och lätt lastbil är ersättningen begränsad till högst 35 000 kr vid stöld av hjul. För hjul som är originalmonterade tillämpas ingen beloppsbegränsning.

[5] Glass damage: Covered ↩

Covers windscreen, side, or rear window that is punctured, cracked, or shattered (not other glass such as headlights or sunroofs). A per-window deductible per the policy schedule applies; if the pane is repaired instead of replaced, the deductible is reduced to SEK 200. Included in both Half and Full insurance.

Försäkringen gäller för skada som består i att vind-, sido- eller bakruta genombrutits, spräckts eller krossats. Skada på annan glaskonstruktion, till exempel strålkastare, glastak och takluckor omfattas inte.

[6] Natural perils: SEK 1,500,000 ↩

Lightning damage and resulting electrical component damage are covered under Fire insurance, included in both Half and Full insurance. Broader natural-peril damage such as storm or a falling tree is covered as 'other sudden external accidental event' under Vagnskadeförsäkring, which requires the Full insurance (Helförsäkring) tier. Overall casco cap SEK 1,500,000.

Försäkringen gäller för skada genom brand, blixtnedslag eller explosion, på elektriska kablar genom kortslutning samt direkt uppkomna följdskador på elektriska komponenter.

[7] Vandalism: SEK 1,500,000 ↩

Intentional vandalism by a third party to the vehicle is covered under Vagnskadeförsäkring, available only in the Full insurance (Helförsäkring) tier. The deductible for vandalism damage is capped at SEK 2,000, and overall casco cap is SEK 1,500,000.

Vid varje skadetillfälle gäller i försäkringsbrevet angiven självrisk. Vid uppsåtlig skadegörelse av tredje man är självrisken begränsad till 2 000 kr.

[8] Roadside assistance: Covered ↩

Covers transport of driver, passengers, and the vehicle when necessitated by damage, breakdown, or theft during a journey, including towing to the nearest workshop; reimbursement is capped at the vehicle's market value. Included as part of the Delkasko component in both Half and Full insurance.

Försäkringen gäller för sådan transport av förare, passagerare och försäkrat fordon, som har blivit nödvändig på grund av händelse enligt 412-414.

[9] Replacement vehicle: Optional ↩

Optional add-on (only available combined with at least Half insurance). Reimburses 75% of the daily and mileage cost of a comparably sized rental car for up to 65 days if the insured vehicle cannot be used due to a covered claim or breakdown; a cash alternative of SEK 150/day is available instead. Also reduces the rental car's own deductible by up to SEK 10,000 if the insurer's recommended rental company is used.

Ersättning lämnas i högst 65 dagar om den försäkrade bilen inte kunnat användas på grund av ersättningsbar skada eller annat driftstopp.

[10] Driver accident: See details ↩

No dedicated driver personal-accident benefit is described in the Dina Motorfordon 2024 terms and conditions; personal injury to the driver is addressed only through the mandatory traffic insurance (trafikskadelagen), not as a separate casco benefit.

[11] Own damage: SEK 1,500,000 ↩

Covers damage to the insured vehicle caused by a traffic accident, other sudden external event, or malicious damage by a third party. Included only in Helförsäkring (full insurance), not in Halvförsäkring. Maximum compensation is SEK 1,500,000 (SEK 150,000 for vehicles older than 50 years).

Högsta ersättningsbelopp är 1,5 miljoner kronor. Gäller försäkringen med ett högre försäkringsbelopp framgår det av försäkringsbrevet.

[12] Total loss: SEK 1,500,000 ↩

If repair cost exceeds the vehicle's market value, the claim is settled as a total loss based on the vehicle's market value immediately before the damage, up to the overall kasko ceiling of SEK 1,500,000 (SEK 150,000 for vehicles older than 50 years). Applies to whichever kasko component (brand, stöld or vagnskada) responds to the loss, so it is available under both Halvförsäkring and Helförsäkring depending on the peril.

Beräkning av kontant ersättning grundar sig på fordonets värde i allmänna handeln omedelbart före skadan.

[13] Partial loss: SEK 1,500,000 ↩

Partial damage is repaired, or compensated in cash at market value, with age/wear deductions applied to specified accessories (e.g. tyres, alloy wheels, electronics) according to a fixed depreciation schedule, subject to the overall ceiling of SEK 1,500,000. Applies across the kasko components included in the policy.

Om marknadsvärdet inte kan fastställas görs ålders-/slitageavdrag (i procent) från kostnad för ny likvärdig utrustning enligt följande för:

[14] Theft & robbery: SEK 1,500,000 ↩

Covers loss of, or damage from, theft, robbery, or attempted theft of the vehicle or its fitted equipment. Vehicle loss is compensated if it is not recovered within one month of a complete claim report. Sub-limits apply: wheel theft is capped at SEK 35,000 (SEK 25,000 if wheel locks are not fitted; uncapped for original wheels), audio/video equipment at SEK 25,000, and snow-scooter accessories at SEK 30,000. Included in both Halvförsäkring and Helförsäkring.

Förlust av fordon ersätts om fordonet inte kommit tillrätta inom en månad efter den dag vi fått komplett skriftlig skadeanmälan samt övriga handlingar och nycklar som är nödvändiga för skadans reglering.

[15] Glass damage: Covered ↩

Covers windscreen, side, or rear window damage from breakage, cracking, or shattering, unless caused by collision, rollover, or leaving the road (this exclusion does not apply to snow scooters). If the customer chooses repair instead of replacement, the deductible is reduced to SEK 200. Included in both Halvförsäkring and Helförsäkring.

Försäkringen gäller för skada som består i att vind-, sido- eller bakruta genombrutits, spräckts eller krossats.

[16] Natural perils: Conditional ↩

Lightning strike and fire are covered under Brandförsäkring, included in both Halvförsäkring and Helförsäkring. Other weather-related events, such as storm damage, are only covered as 'other sudden external events' under Vagnskadeförsäkring, which is part of Helförsäkring only. There is no standalone natural-perils section or separate sum insured for this peril.

Försäkringen gäller för skada a) genom brand, blixtnedslag eller explosion,

[17] Vandalism: Conditional ↩

Malicious damage caused by a third party is covered under Vagnskadeförsäkring, which is included only in Helförsäkring. The deductible for vandalism claims is capped at SEK 2,000, regardless of the ordinary deductible chosen on the policy.

Vid varje skadetillfälle gäller i försäkringsbrevet angiven självrisk. Vid uppsåtlig skadegörelse av tredje man är självrisken begränsad till 2 000 kr.

[18] Roadside assistance: Covered ↩

Covers necessary transport of the driver, passengers and the vehicle after breakdown, accident, or theft, including towing to the nearest repair shop and transport home within the Nordic countries when repair is not feasible within a reasonable time. Towing/transport costs, together with the vehicle damage, are covered up to the vehicle's market value at the time of the loss. Included in the Delkasko package, part of both Halvförsäkring and Helförsäkring.

Försäkringen gäller för sådan transport av förare, passagerare och försäkrat fordon, som har blivit nödvändig på grund av händelse enligt 412-414.

[19] Replacement vehicle: Optional ↩

Optional add-on providing a rental car for up to 65 days (75% of the daily/mileage rental cost, or a flat SEK 150/day alternative) if the insured car or light truck cannot be used due to a covered claim or other breakdown; requires at least Halvförsäkring. Self-risk reduction for a rental car's own kasko claim is capped at SEK 10,000. A separate, shorter 3-day/75% rental benefit for personbil, lätt lastbil, motorcycle (fkl 14) and motorhome is also available via the optional Assistansförsäkring add-on.

Ersättning lämnas i högst 65 dagar om den försäkrade bilen inte kunnat användas på grund av ersättningsbar skada eller annat driftstopp.

[20] Driver accident: See details ↩

Not found in this casco product. There is no separate driver/passenger accident (olycksfall) benefit within Halvförsäkring or Helförsäkring; personal injury to the driver or passengers is instead handled under the separate, compulsory Trafikförsäkring (motor liability insurance) in accordance with the Traffic Damage Act, which sits outside kasko cover.

[21] Own damage: SEK 1,500,000 ↩

Maximum compensation under the comprehensive (kasko) cover, excluding MTPL, is SEK 1,500,000 per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

Ersättning lämnas med högst det belopp som motsvarar skadan, värderad enligt nedanstående bestämmelser. Högsta ersättningsbelopp är 1,5 miljoner kronor. Gäller försäkringen med ett högre försäkringsbelopp framgår det av försäkringsbrevet.

[22] Total loss: SEK 1,500,000 ↩

In the event of a total loss, maximum compensation under the comprehensive (kasko) cover is SEK 1,500,000 per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

Ersättning lämnas med högst det belopp som motsvarar skadan, värderad enligt nedanstående bestämmelser. Högsta ersättningsbelopp är 1,5 miljoner kronor. Gäller försäkringen med ett högre försäkringsbelopp framgår det av försäkringsbrevet.

[23] Partial loss: SEK 1,500,000 ↩

In the event of a partial loss, compensation is capped at the overall maximum for the comprehensive (kasko) cover, SEK 1,500,000, per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

Ersättning lämnas med högst det belopp som motsvarar skadan, värderad enligt nedanstående bestämmelser. Högsta ersättningsbelopp är 1,5 miljoner kronor. Gäller försäkringen med ett högre försäkringsbelopp framgår det av försäkringsbrevet.

[24] Theft & robbery: Covered ↩

Included under Halvförsäkring. Covers theft, unauthorised taking of the vehicle, robbery, attempted theft, and intentional damage connected with such events. Loss of the vehicle is compensated if not recovered within one month of the police report. There is no separate limit stated for theft of the whole vehicle; it is covered up to the policy's overall casco sum insured. Sub-limits apply only to specific items: non-factory-fitted audio/navigation equipment is capped at 30,000 SEK (inkl. montering) for theft (a 25,000 SEK figure appears elsewhere in the T&C for the general equipment section), and non-manufacturer-supplied wheels are capped at 30,000 SEK, reduced to 25,000 SEK if wheel locks are not fitted. Lock replacement after key theft is not covered. Does not apply to theft by a household member or unlawful use (olovligt brukande).

Vid stöld av hjul, vilka inte har tillhandahållits återförsäljare för aktuellt märke/modell, är högsta ersättningsbelopp 30 000 kr.

[25] Glass damage: Covered ↩

Included under Halvförsäkring. Covers windscreen, side or rear window damaged/cracked/broken by a stone chip. Does not cover glass damage from collision, rollover, running off the road, or intentional third-party damage (handled instead under Vagnskada). Deductible: chip repair is always 0 SEK; glass replacement deductible is 40% of the cost (minimum 2,000 SEK) under Normal, or 1,500 SEK flat under Premium.

Som består i att vind-, sido- eller bakruta krossas, genombryts eller spräcks genom stenskott.

[26] Natural perils: Covered ↩

Fire, lightning strike, explosion and short-circuit damage to electrical cabling are included under Halvförsäkring (Brand section). Other weather/external events not caused by fire (e.g. falling trees, storm, running off the road due to weather) fall under Vagnskada 'other accidental event' and therefore require Helförsäkring. Excludes damage from cold, wetness, damp, rust or corrosion in all cases.

Genom blixtnedslag, explosion eller eld som kommit lös

[27] Vandalism: Conditional ↩

Intentional damage by a third party connected to a theft/robbery event is covered under Halvförsäkring (Stöld). General, standalone vandalism unconnected to theft is only covered under Vagnskada, requiring Helförsäkring.

Uppsåtlig skadegörelse i samband med någon av händelserna ovan. Det ska alltså finnas ett klart samband mellan skadegörelsen på fordonet och gärningsmannens uppsåt att tex stjäla fordonet.

[28] Roadside assistance: Covered ↩

Included under Halvförsäkring. Covers towing the vehicle to the nearest suitable workshop after an accident, breakdown or theft, plus transport home for driver/passengers/luggage if the driver is injured, suddenly ill, deceased, or the vehicle cannot be repaired in reasonable time. Reimbursement is capped at an amount corresponding to the vehicle's value. Does NOT cover breakdown due to running out of fuel, or costs the policyholder would have had anyway (e.g. fuel, ferry tickets). A separate optional add-on (Bärgning Plus) extends this to fuel shortage, punctures and lost/locked keys.

Driftstopp på grund av brist på drivmedel

[29] Replacement vehicle: Optional ↩

Optional add-on to Halv- or Helförsäkring. If the insured car is undrivable due to a covered event, compensation is 75% of the daily/mileage rental cost in Sweden or 100% if hired abroad, or a flat 150 SEK/day cash alternative instead of a rental car. Maximum 65 days regardless of where the damage occurred. Excludes delay caused by the policyholder, cases where MTPL immobilisation compensation is received, or when the car was deregistered/subject to a driving ban.

A1 Ersättning lämnas i högst 65 dagar om den försäkrade bilen inte kunnat användas på grund av ersättningsbar skada, stöld eller annat driftstopp.

[30] Driver accident: See details ↩

No standalone driver accident/personal injury benefit is described in this casco product. Personal injury for the driver is handled under the statutory MTPL cover per the Traffic Damage Act (not a casco benefit), and psychological crisis therapy (up to 10 sessions with a licensed psychologist, Sweden only) is available under section 13.5 following a claim, but this is not a personal-accident sum insured.

[31] Own damage: Conditional ↩

Covers damage to the insured car or light truck caused by a traffic accident, another external accidental event (e.g. collision, rollover, driving off the road, snow avalanche, falling objects, ferry/train transport damage), or intentional damage by an outsider. Compensation is based on market value immediately before the loss, or new-vehicle replacement if the conditions in point 55 are met. Included only in Helförsäkring and Helförsäkring Stor, not in Halvförsäkring.

[32] Total loss: Conditional ↩

If repair is not economical relative to market value, or a stolen vehicle is not recovered, the vehicle is valued at market value including equipment. New-vehicle replacement (nyvärdesersättning) applies instead if the vehicle is series-produced, covered by manufacturer/importer warranties, has been owned continuously since first registration, the loss occurred within 2 years and under 4,000 mil, and repair cost exceeds 50% (within 1 year/2,000 mil) or 80% (within 2 years/4,000 mil) of the new price.

[33] Partial loss: Conditional ↩

Partial damage under own-damage cover is repaired at a Folksam-approved, environmentally certified workshop using original used parts where possible, or settled in cash at Folksam's discretion, subject to the applicable deductible.

[34] Theft & robbery: Covered ↩

Covers theft or attempted theft/unlawful taking of the vehicle, including damage from intentional vandalism connected to such an event. If the vehicle is not recovered within one month of reporting the theft, a total-loss payment is made. Vehicles valued at SEK 1,000,000 or more must carry an SSF 1073-approved tracking device, or compensation is reduced by 25%.

[35] Glass damage: Covered ↩

Covers damage to the windscreen, side windows, or rear window that is pierced, cracked, or shattered, including stone-chip damage. Glass roof/sunroof and headlight glass are excluded. Under Halvförsäkring, glass damage from an animal collision is also covered. The applicable deductible is stated in the insurance certificate.

[36] Natural perils: Conditional ↩

Weather- and nature-related events such as snow avalanches and falling objects (e.g. trees) are covered as examples of 'other external accidental events' under own-damage (vagnskada) cover, not as a separate line item. Damage caused by rust, corrosion, frost, or damp is explicitly excluded unless it is a direct result of a covered accidental event.

[37] Vandalism: Conditional ↩

If the vehicle is damaged by intentional vandalism by an outsider, Folksam pays half of the own-damage deductible for vehicles with own-damage cover, plus the portion of the vagnskadegaranti deductible exceeding SEK 3,500. Vandalism connected to theft or attempted theft is covered under the theft cover instead.

[38] Roadside assistance: Covered ↩

Räddningsförsäkring (rescue cover) is included in Halvförsäkring, Halvförsäkring Stor, Helförsäkring and Helförsäkring Stor, paying for necessary rescue/return transport of people and the vehicle after breakdown, theft, or accident (phone-call costs to Folksam's alarm centre up to SEK 500). Folksam Assistans (roadside repair, towing, lockout help, rental car/hotel) is included automatically only in Bilförsäkring Stor and Lätt lastbilsförsäkring Stor, and is an optional add-on for the other tiers. Response time: within 1 hour in Sweden, within 4 hours abroad.

[39] Replacement vehicle: Conditional ↩

Included automatically in Bilförsäkring Stor and Lätt lastbilsförsäkring Stor; optional add-on to Halvförsäkring/Helförsäkring otherwise. Pays 75% of the daily and mileage cost of a similarly sized rental vehicle (100% for losses abroad) for up to 65 days, or SEK 200/day as alternative compensation. For machine/electronics or glass damage claims, cover is capped at 7 days, max twice per year. Excess reduction on the rental car's own deductible is capped at SEK 10,000 when using Folksam's designated rental partner.

[40] Driver accident: See details ↩

The general motor terms do not include a dedicated driver/passenger accident indemnity benefit. The closest related benefit is 'Kristerapi' (crisis therapy): up to 10 sessions with a psychologist/psychotherapist plus up to SEK 4,000 in travel/interpreter costs, with no deductible, for anyone in the car who suffers psychological harm as a direct result of a covered loss event.

[41] Own damage: Conditional ↩

Covers damage to the policyholder's own vehicle caused by a traffic accident, another accidental event, or intentional damage by a third party. Settlement is based on the vehicle's market value immediately before the loss. Only included in Helförsäkring (comprehensive) tiers, not in Halvförsäkring.

Försäkringen gäller för • skada på ditt fordon genom trafikolycka • skada på ditt fordon genom annan olyckshändelse utanför fordonet • skada på ditt fordon genom uppsåtlig skadegörelse av tredje man.

[42] Total loss: Conditional ↩

If repair is assessed as not economical, Gjensidige pays compensation equal to the vehicle's market value immediately before the loss, as part of the Vagnskada (own-damage) component included only in Helförsäkring.

Bedömer vi att reparation inte lönar sig lämnar vi en ersättning som motsvarar fordonets marknadsvärde omedelbart före skadan.

[43] Partial loss: Conditional ↩

If repair is worthwhile, Gjensidige decides how and by whom the vehicle is repaired and pays the repair cost, as part of the Vagnskada component included only in Helförsäkring.

Om det lönar sig att reparera avgör vi hur det ska göras och av vem. Vi betalar reparationen.

[44] Theft & robbery: Covered ↩

Covers theft, unauthorized taking of the vehicle (tillgrepp), and attempted theft/tillgrepp. Compensation is normally paid within one month after required documents are submitted. Included from Halvförsäkring upward (all four casco tiers).

Gjensidige lämnar ersättning senast en månad efter att du har lämnat in de handlingar som vi har begärt in, förutsatt att skadan är ersättningsbar.

[45] Glass damage: Covered ↩

Covers windscreen, side or rear window cracking, penetration or shattering. Excludes damage from collision, rollover or driving off the road, malicious damage, and wear. Included from Halvförsäkring upward. A reduced deductible applies if a stone-chip is repaired via an approved repairer (e.g. Ryds Bilglas) instead of replacing the glass.

Försäkringen gäller för skada som består i att vind-, sido- eller bakruta krossas, genombryts eller spräcks.

[46] Natural perils: Conditional ↩

There is no separate natural-perils (storm/flood/hail) moment, but damage to the vehicle caused by such events through an accidental event outside the vehicle is covered under the Vagnskada (own-damage) component, which is included only in Helförsäkring.

Försäkringen gäller för • skada på ditt fordon genom trafikolycka • skada på ditt fordon genom annan olyckshändelse utanför fordonet • skada på ditt fordon genom uppsåtlig skadegörelse av tredje man.

[47] Vandalism: Conditional ↩

Intentional damage by a third party to the insured's own vehicle is covered under the Vagnskada component, which is only included in Helförsäkring. A separate optional add-on ('Skadegörelse') can instead reduce the deductible on such damage (max 6,000 kr reimbursement, applicable if repair cost exceeds 1,000 kr) for customers without full Vagnskada cover, and can be added to Halv- or Helförsäkring.

Försäkringen reducerar erlagd självrisk vid uppsåtlig skadegörelse av tredje man. ... Ersättning lämnas med högst 6 000 kronor.

[48] Roadside assistance: Covered ↩

Covers towing to a designated workshop, on-site repair, tyre change on puncture, fuel delivery, lock opening, and transport to the nearest charging station for EVs with a flat drive battery, plus travel/transport home for driver and passengers in specified situations. Included from Halvförsäkring upward, with no deductible.

Försäkringen gäller för 1 Resa till hemort i Sverige för förare och passagerare inklusive privat bagage som inte kan transporteras med fordonet därför att...

[49] Replacement vehicle: Conditional ↩

Pays 75% of the daily/km cost of a comparable rental car (or 150 kr/day cash alternative) while the vehicle is unusable after a covered fire, glass, theft, all-risk, own-damage or machine-damage claim, for up to 75 days. Included automatically in the Pluspaketet Halv- and Helförsäkring tiers; available only as a paid add-on ('Tillägg') on the standard Halv- and Helförsäkring tiers.

Kostnad för hyrbil ersätts vid skada med 75 % av dygns- och kilometerkostnaden för standardutrustad bil av motsvarande storlek. ... Oavsett var skadan inträffat lämnas ersättning för högst 75 dagar.

[50] Driver accident: SEK 600,000 ↩

Pays compensation for medical invalidity or death of the driver/passengers resulting from traffic with the insured vehicle. Maximum 600,000 kr at 100% medical invalidity (reduced for age over 45 and by invalidity degree); 50,000 kr if death occurs within two years of the accident. Included automatically in the Pluspaketet Halv- and Helförsäkring tiers; available only as a paid add-on on the standard Halv- and Helförsäkring tiers.

Försäkringsbeloppet vid fullständig (100 %) medicinsk invaliditet är 600 000 kr. ... Om den försäkrade avlider inom två år från olyckstillfället utbetalas 50 000 kr till den försäkrades dödsbo.

[51] Own damage: Covered ↩

Covers damage to the insured vehicle from traffic accidents, intentional damage by a third party, or other sudden external events; valuation is based on the vehicle's market value immediately before the damage, no fixed sum insured cap is stated

Skada på grund av trafikolycka, uppsåtlig skadegörelse av tredje man samt skada på grund av annan plötslig yttre olyckshändelse.

[52] Total loss: Covered ↩

Settled at market value under Vagnskada; a new-value (nyvärde) replacement applies conditionally if the insured is the sole owner since first registration, the damage occurs within the first year, mileage does not exceed 2,000 mil, and reasonable repair cost exceeds 50% of the purchase price

Bilen har körts högst 2 000 mil. Skälig reparationskostnad för bil och utrustning som ingår vid köp av fabriksny motsvarande bil beräknas överstiga 50 % av inköpspriset vid skadetillfället.

[53] Partial loss: Covered ↩

Repairs use equivalent used parts where available; no separate sum insured cap is stated, settlement follows the general valuation rules (market value basis)

Vid reparation används begagnad likvärdig del om sådan finns att tillgå.

[54] Theft & robbery: Covered ↩

Covers theft, robbery/hijacking and attempts thereof; sub-limits apply: fixed audio/video equipment 20,000 kr, factory-fitted audio/video equipment unlimited, wheels/rims 30,000 kr; an extra deductible of 6,000 kr applies if the vehicle was not locked with the ignition lock

Fast monterad ljud- och bildutrustning: 20 000 kr – Fast fabriksmonterad ljudoch bildutrustning: Ingen begränsning – Hjul och fälgar: 30 000 kr

[55] Glass damage: Covered ↩

Covers cracked, holed or shattered windscreen, side or rear windows; a lower deductible applies for repair (max 3 repairs per insurance year, thereafter 200 kr per repair), a higher deductible applies for replacement; intentional third-party damage is excluded from this moment

Vindruta, sidoruta och bakruta som spräckts, genombrutits eller krossats.

[56] Natural perils: Covered ↩

Lightning strike, fire that has come loose, and explosion are covered under the Brand (fire) moment; other sudden external events are covered under Vagnskada; no dedicated named 'natural perils' moment or sum insured cap exists

Övrig skada genom blixtnedslag, eld som kommit lös, explosion.

[57] Vandalism: Covered ↩

Intentional damage by a third party to the vehicle body is explicitly covered under Vagnskada; however, intentional third-party damage to glass is explicitly excluded under the Glass moment

Skada på grund av trafikolycka, uppsåtlig skadegörelse av tredje man samt skada på grund av annan plötslig yttre olyckshändelse.

[58] Roadside assistance: Covered ↩

Core Delkasko moment covering transport home to Sweden for driver/passengers and transport to the nearest workshop in case of theft, damage, breakdown, sudden illness or accident during a journey; no fixed sum insured cap stated. A separate paid 'Assistans' add-on with roadside repair-on-site cover exists (see product_specific_constraints)

Transport till hemort i Sverige av förare och passagerare om fordonet stulits eller skadats, eller om föraren drabbats av plötslig sjukdom, plötsligt olycksfall eller avlider, förutsatt att ingen av passagerarna kan framföra fordonet.

[59] Replacement vehicle: Optional ↩

Optional add-on for vehicles under 16 years old: reimburses 75% of the daily/km cost of an equivalent rental car during a reasonable repair period, or alternatively 100 kr/day cash if no rental is used; capped at 45 days; deductible of 25% of daily/km cost applies

75 % av dygns- och kilometerkostnaden för hyrbil som storleksmässigt är likvärdig med din bil under reparationstid som är skälig i förhållande till skadan.

[60] Driver accident: SEK 600,000 ↩

Optional add-on paying compensation for medical invalidity resulting from a traffic accident with the insured vehicle, for driver and passengers; sum insured at 100% medical invalidity is 600,000 kr, reduced 2.5% per year of age above 45 at the time of the accident

Försäkringsbeloppet vid fullständig (100 %) medicinsk invaliditet är 600 000 kr.

[61] Own damage: Conditional ↩

Damage to the insured vehicle caused by a traffic accident, collision with an animal, malicious damage by a third party, or another sudden external accidental event, plus damage while the vehicle is transported on another means of transport, is covered under the Vagnskada module. Vagnskada is only included in Helförsäkring; Halvförsäkring (Delkasko) does not include this module. Deductible is 5,000 SEK.

skada på grund av trafikolycka, kollision med djur, uppsåtlig skadegörelse av tredje man samt skada på grund av annan plötslig yttre olyckshändelse

[62] Total loss: Conditional ↩

Total loss caused by theft not recovered within 30 days, or by fire, is compensated under Halvförsäkring and Helförsäkring alike (Stöld/Brand modules). Total loss caused by collision or other Vagnskada perils is only compensated under Helförsäkring. Valuation is based on the vehicle's market value immediately before the loss; new-value replacement may apply only if the vehicle has a single owner since first registration, the damage occurred within the first year and under 2,000 mil, and repair cost exceeds 50% of the new purchase price.

Du får ersättning om skadan är ersättningsbar och fordonet inte kommit tillrätta inom 30 dagar från det att du gjort polisanmälan och anmälan till försäkringsbolaget.

[63] Partial loss: Conditional ↩

Partial damage such as sheet-metal and paint damage after a collision is only compensated under Helförsäkring's Vagnskada module (deductible 5,000 SEK). Partial damage arising from fire, theft, glass breakage or machine damage is compensated under both Halvförsäkring and Helförsäkring via their respective modules.

Självrisken är 5000 kr.

[64] Theft & robbery: Covered ↩

Damage due to theft, unlawful taking or robbery, and attempts thereof plus related vandalism, is included in both Halvförsäkring and Helförsäkring. Sub-limits apply to accessories: fixed audio/video equipment 30,000 SEK, dismounted vehicle parts (excl. wheels/rims) 10,000 SEK, wheels/rims 40,000 SEK (max 4 tyres); factory-fitted audio/video equipment has no limit. Deductible is 2,000 SEK, plus an extra 6,000 SEK if the vehicle was not locked.

Fast monterad ljud- och bildutrustning 30 000 kr Avmonterade fordonsdelar (exkl. hjul och fälgar) 10 000 kr Fast fabriksmonterad ljud- och bildutrustning Ingen begränsning Hjul och fälgar Hjul och fälgar 40 000 kr (max 4 däck)

[65] Glass damage: Covered ↩

Cracked, pierced or shattered windscreen, side or rear window is included in both Halvförsäkring and Helförsäkring. Stone-chip repairs are covered without a deductible; if the window must be replaced, the deductible is 2,000 SEK. Damage to headlight glass, roof glass or similar, and vandalism by a third party, are excluded from this module.

vindruta, sidoruta och bakruta som spräckts, genombrutits eller krossats. ... Om rutan kan repareras gäller försäkringen utan självrisk. Om rutan behöver bytas ut är självrisken 2 000 kr.

[66] Natural perils: Conditional ↩

There is no dedicated natural-perils module. Lightning strike is compensated under the Brand (fire) module in both Halvförsäkring and Helförsäkring (deductible 2,000 SEK). Damage from other sudden external events such as a falling tree is compensated only under the Vagnskada module in Helförsäkring (deductible 5,000 SEK); this is not covered under Halvförsäkring alone.

övrig skada genom blixtnedslag, eld som kommit lös, explosion

[67] Vandalism: Conditional ↩

Vandalism committed in connection with theft or attempted theft is covered under the Stöld module in both Halvförsäkring and Helförsäkring. General intentional damage by a third party unrelated to theft is explicitly excluded from the Glass module, and is only compensated under the Vagnskada module, which is exclusive to Helförsäkring (deductible 5,000 SEK).

skada på grund av försök till ovan angivna brott samt skadegörelse i anslutning till dessa.

[68] Roadside assistance: Covered ↩

Included in both Halvförsäkring and Helförsäkring. Covers home transport of driver/passengers, towing to the nearest repair shop, transport of new fuel when out of fuel, and charging assistance or towing to the nearest charging point for a discharged battery, available 24/7 in cooperation with Assistancekåren. Deductible is 1,750 SEK, which can be reduced to zero via the optional Självriskreducering add-on.

Självrisken är 1 750 kr.

[69] Replacement vehicle: Optional ↩

Available as the optional Hyrbil add-on for vehicles that are at least Halvförsäkrade. Covers 75% of the daily/km cost of a similarly sized rental car during a reasonable repair period after an eligible fire, glass, theft, vagnskada or maskinskada claim (customer pays 25%), or alternatively a flat 250 SEK/day if no rental is used. Cover is capped at 45 days and a maximum of three claim events per insurance year.

75 % av dygns- och kilometerkostnaden för hyrbil som storleksmässigt är likvärdig med din bil under reparationstid som är skälig i förhållande till skadan.

[70] Driver accident: See details ↩

There is no dedicated personal-accident module in this motor T&C. Kristerapi provides up to 10 sessions of crisis therapy with a licensed psychologist after a traffic accident or robbery, but this is psychological crisis support, not a personal-accident indemnity. Bodily injury to occupants is instead handled under the mandatory Trafikförsäkring (MTPL) per the Traffic Damage Act.

Om förare eller passagerare av det försäkrade fordonet som en direkt följd av trafikolycka eller rån av fordonet drabbats av psykisk ohälsa ersätter vi kristerapi vid högst 10 terapitillfällen per försäkrad.

[71] Own damage: SEK 1,500,000 ↩

Covers collision damage, animal collisions, third-party vandalism, and other external accidental events (e.g. a falling tree) to the vehicle. Included only in Helförsäkring; not available as an add-on to Halvförsäkring. Maximum compensation for the vehicle and its accessories is 1,500,000 SEK unless a higher amount is stated in the policy schedule, capped at 200,000 SEK for vehicles older than 30 years, and never exceeding market value immediately before the loss.

Försäkringen gäller för skada genom • trafikolycka • annan yttre olyckshändelse • uppsåtlig skadegörelse av tredje man

[72] Total loss: SEK 1,500,000 ↩

If repair is not economical relative to the vehicle's market value, or a stolen vehicle is not recovered, the vehicle plus insured equipment is settled at market value immediately before the loss, capped at 1,500,000 SEK (200,000 SEK for vehicles older than 30 years). The vagnskada-based total-loss scenario is included only in Helförsäkring and is not available as an add-on to Halvförsäkring; total loss following an unrecovered theft is already covered under the theft protection included in both Halvförsäkring and Helförsäkring.

Om fordonet i förhållande till dess marknadsvärde inte är lönsamt att reparera eller om det inte kommit tillrätta efter stöld värderar vi fordonet inklusive försäkrad utrustning angiven i avsnitt C2, enligt marknadsvärdet.

[73] Partial loss: SEK 1,500,000 ↩

Repairable damage to the vehicle is compensated under the same vagnskada cover as total loss, subject to the same 1,500,000 SEK ceiling (200,000 SEK for vehicles over 30 years) and the deductible chosen in the policy schedule. Included only in Helförsäkring; not available as an add-on to Halvförsäkring.

Ersättning för skada grundas på egendomens värde vid köp i allmänna handeln (marknadsvärde) omedelbart före skadan.

[74] Theft & robbery: SEK 1,500,000 ↩

Included under both Halvförsäkring and Helförsäkring: theft, attempted theft, tillgrepp (joyriding) and robbery of the vehicle, plus theft of accessories and equipment. Overall vehicle cap 1,500,000 SEK. Aftermarket (non-factory) audio/video/navigation equipment stolen is capped at 40,000 SEK, wheels without wheel locks at 40,000 SEK, and auxiliary lights at 10,000 SEK. No base deductible applies if the vehicle has an approved tracking system linked to an alarm centre.

Försäkringen gäller för skada genom • stöld • tillgrepp av fortskaffningsmedel • försök till stöld eller tillgrepp • rån

[75] Glass damage: Covered ↩

Repair or replacement of windscreen, side, rear or sight glass that is pierced, cracked or shattered, included in both Halvförsäkring and Helförsäkring, with no stated monetary ceiling. A fixed deductible of 200 SEK applies to stone-chip (stenskott) repairs. Glass damage caused by collision or intentional vandalism is excluded from the glass cover under Halvförsäkring (it is instead only covered, if at all, via vagnskada under Helförsäkring).

Försäkringen gäller för skada på vindruta, sidoruta, bakruta eller siktruta som består i att rutan genombrutits, spräckts eller krossats.

[76] Natural perils: SEK 1,500,000 ↩

Fire, lightning strike and explosion damage are covered under Brand, included in both Halvförsäkring and Helförsäkring. Damage from other external/weather events, such as a tree falling on the car, is covered as vagnskada, included in Helförsäkring and available as an optional add-on to Halvförsäkring.

Försäkringen gäller för skada genom brand som anlagts av tredje man... genom blixtnedslag, explosion eller eld som kommit lös.

[77] Vandalism: SEK 1,500,000 ↩

Intentional damage to the vehicle body by a third party is covered as vagnskada, included only in Helförsäkring; not available as an add-on to Halvförsäkring. The optional Självriskskydd add-on can reduce the deductible to 0 SEK for vandalism by an identified third party (repair cost must exceed 1,000 SEK), giving up to 6,000 SEK compensation toward a vagnskadegaranti deductible, or up to 3,500 SEK reimbursement if only Halvförsäkring without vagnskadegaranti applies.

Vid uppsåtlig skadegörelse utförd av tredje man gäller vagnskadeförsäkringen utan självrisk, under förutsättning att reparationskostnaden överstiger 1 000 kr.

[78] Roadside assistance: Covered ↩

Towing to the nearest repair shop after a traffic accident, theft or other breakdown, plus return-travel costs for the driver, passengers and luggage, is included in both Halvförsäkring and Helförsäkring, capped at the vehicle's value at the time of transport. The optional Assistans add-on additionally covers on-the-spot help for fuel shortage, a flat tyre, locked/lost keys, or a discharged drive battery, and provides a replacement car (max 3 days) if the vehicle cannot be repaired within an hour; usable up to 3 times per year.

Räddningsförsäkringen gäller för person- och fordonstransporter som blivit nödvändiga genom att du i samband med resa med det försäkrade fordonet råkat ut för sådana nödsituationer

[79] Replacement vehicle: Optional ↩

Optional Hyrbil add-on to Halvförsäkring or Helförsäkring: reimburses 75% of the daily and mileage cost of a rental car (or a flat 100/200 SEK per day cash/ICA-voucher alternative) for up to 60 days while the insured car is repaired following a covered claim, reduced to 7 days if only machine or vagnskada cover outside the normal age/mileage limits applies. Any rental-car deductible above the customer's own deductible is covered up to 10,000 SEK when using ICA Försäkring's designated rental company.

Kostnad för hyrbil ersätts med 75% av dygns- och kilometerkostnaden för standardutrustad bil av motsvarande storlek.

[80] Driver accident: SEK 600,000 ↩

Included at no extra cost and without deductible in every tier (Trafikförsäkring, Halvförsäkring and Helförsäkring). Pays 3,600 SEK for hospitalisation of at least 72 hours, 2,000 SEK for sick leave of at least 7 days, up to 600,000 SEK for permanent medical disability, 20,000 SEK on death within 12 months, and crisis-therapy costs (max 10 sessions within one year of the accident).

med 3 600 kr (engångsersättning) vid inskrivning på sjukhus i minst 72 timmar med 2 000 kr (engångsersättning) vid sjukskrivning i minst sju arbetsdagar

[81] Own damage: SEK 1,500,000 ↩

Helförsäkring (and Stor Bilförsäkring) cover damage to the insured car caused by traffic accidents, other external accidental events, or intentional vandalism by a third party. Maximum payout (excluding the mandatory traffic insurance) is SEK 1,500,000 for cars under 30 years old; cars older than 30 years not insured as veteran vehicles are capped at SEK 300,000.

FÖRSÄKRINGEN GÄLLER FÖR skada som uppstått direkt genom – trafikolycka – annan olyckshändelse utanför fordonet – uppsåtlig skadegörelse av tredje man

[82] Total loss: SEK 1,500,000 ↩

If repair is not deemed cost-effective, If pays cash compensation equal to the car's market value in Sweden immediately before the damage, up to the policy's maximum amount.

Bedömer vi att reparation inte lönar sig lämnar vi en ersättning som motsvarar fordonets marknadsvärde i den allmänna handeln i Sverige omedelbart före skadan.

[83] Partial loss: Covered ↩

If decides whether the car is repaired, replaced by an equivalent vehicle, or settled in cash; repair is the default remedy and is not subject to a separate sub-limit distinct from the overall vagnskada maximum.

Om det lönar sig att reparera avgör vi hur det ska göras och av vem. Vi betalar reparationen.

[84] Theft & robbery: SEK 1,500,000 ↩

Covers theft, attempted theft, or unlawful taking of the vehicle, up to the same overall maximum as vagnskada. Aftermarket stereo/navigation electronics theft is capped at SEK 25,000, non-original wheels at SEK 35,000, and crisis therapy after a robbery or key theft is covered up to SEK 15,000 (max 10 sessions, in Sweden).

FÖRSÄKRINGEN GÄLLER FÖR skada genom – stöld (innebär att någon tar något som tillhör annan i avsikt att behålla det) – tillgrepp av fortskaffningsmedel ... – försök till stöld eller tillgrepp.

[85] Glass damage: Covered ↩

Covers repair or replacement of windscreen, side or rear windows that are cracked, shattered or broken. Damage from collision, rollover or running off the road is excluded here (handled under Vagnskada). The deductible is reduced if the glass is repaired instead of replaced by an If-approved repairer.

FÖRSÄKRINGEN GÄLLER FÖR skada som består i att vind-, sido- eller bakruta krossas, genombryts eller spräcks.

[86] Natural perils: Covered ↩

Vagnskada also covers damage from external accidental events such as a tree falling on the car during a storm. Damage caused by rust, corrosion, frost, moisture or wear is explicitly excluded.

Den ersätter också skador genom andra yttre olyckshändelser, till exempel om ett träd blåser ner på bilen.

[87] Vandalism: Covered ↩

Vagnskada covers intentional vandalism damage caused by a third party. The optional Djurkollision och skadegörelse add-on reduces the deductible to SEK 7,000 (or SEK 10,000 if a vagnskadegaranti applies) when the repair cost exceeds SEK 1,000.

uppsåtlig skadegörelse av tredje man

[88] Roadside assistance: Covered ↩

Included from Halvförsäkring upward: covers towing to the nearest workshop after an accident, breakdown or theft, plus transport home for driver, passengers and personal luggage. With the optional Hyrbil och vägassistans add-on (included in Stor Bilförsäkring), the ordinary deductible for this cover is reduced to SEK 0.

Transport av fordonet – vid skada i Sverige, till närmaste lämpliga verkstad om det skadas, råkar ut för driftstopp eller stjäls...

[89] Replacement vehicle: Optional ↩

Optional add-on (Hyrbil och vägassistans), included automatically in Stor Bilförsäkring, reimbursing a rental car for up to 45 days (Helförsäkring) or 75 days (Stor Bilförsäkring) while the car is repaired. Reimbursement is 75% of daily/mileage rate for damage in Sweden and 100% abroad; if no car is hired, cash compensation of SEK 150/day may be paid instead.

Försäkringen ersätter kostnader för hyrbil under maximalt 45 dagar (för Stor bilförsäkring maximalt 75 dagar), om din bil måste repareras efter en ersättningsbar skada.

[90] Driver accident: SEK 600,000 ↩

Optional add-on for Halvförsäkring/Helförsäkring, included in Stor Bilförsäkring, paying up to SEK 600,000 for full (100%) medical invalidity, SEK 50,000 on death within two years of the accident, and crisis therapy (up to 10 sessions with a licensed psychologist in Sweden).

Försäkringsbeloppet vid fullständig (100 %) medicinsk invaliditet är 600 000 kronor.

[91] Own damage: Conditional ↩

Covers damage from traffic accidents, other external sudden events, or malicious damage by a third party. Only included in Helförsäkring (full/comprehensive cover) — not part of Halvförsäkring. Settled at market value unless new-value compensation (834) applies; for cars 1964 or older the payout is capped at 200,000 SEK unless otherwise agreed; A-traktor own-damage cover is capped at 200,000 SEK

Skada genom trafikolycka, annan yttre olyckshändelse eller uppsåtlig skadegörelse av tredje man.

[92] Total loss: Conditional ↩

Total loss is compensated at market value. New-value compensation (replacement with an equivalent new vehicle) applies to cars within 2 years of first registration and driven at most 40,000 km (with stricter thresholds for cars under 1–2 years), and to caravans/motorhomes/light trucks within 1 year and 20,000 km, provided repair cost exceeds 50–80% of the purchase price. Applies within Helförsäkring for vagnskada-related total loss and within stöld/brand for theft/fire total loss under either tier

Skadad personbil, husvagn, husbil eller lätt lastbil som tillverkats seriemässigt kan ersättas med nytt fordon av samma eller likvärdigt fabrikat, typ och årsmodell (nyvärdesersättning).

[93] Partial loss: Conditional ↩

Partial (repairable) damage is settled by repair, replacement with an equivalent used part where available, or cash settlement at the insurer's choice; standardised depreciation tables apply to tyres, rims, batteries and electronics when market value cannot be established. Vagnskada-based partial loss is only covered under Helförsäkring; fire/glass/theft partial-loss repairs are covered under both tiers

Vi har rätt att avgöra om det skadade/tillgripna ska repareras, om det ska ersättas med något likvärdigt eller om skadan ska betalas kontant

[94] Theft & robbery: Covered ↩

Covers theft, unlawful taking of the vehicle, attempts, and malicious damage connected with these events; loss is compensated if the vehicle is not recovered within 30 days. Sub-limits: wheels stolen from the car 40,000 SEK unless locking wheel bolts are fitted (no limit if the whole car is stolen); after-market audio/video equipment 30,000 SEK (15,000 SEK for A-traktor); extra lights 20,000 SEK. Zero deductible applies with approved tracking equipment in operation at the time of the loss (all vehicles)

a) skada genom stöld b) skada genom tillgrepp av fordonet c) skada genom försök till sådana brott d) skada genom uppsåtlig skadegörelse i samband med någon av händelserna under a) – c).

[95] Glass damage: Covered ↩

Covers windscreen, side or rear window that is punctured, cracked or shattered. Excludes damage from collision, rollover, or driving off the road (except for terränghjuling and snöskoter). No deductible is charged if the glass damage can be repaired rather than replaced

skada som består i att vind-, sido- eller bakruta genombrutits, spräckts eller krossats.

[96] Natural perils: Conditional ↩

There is no separate 'natural perils' section; storm damage, falling trees/objects etc. are covered as 'other external sudden events' under vagnskadeförsäkring (321), which is only included in Helförsäkring. Fire, lightning strike and explosion are covered separately under brandförsäkring (331) in both tiers

Skada genom trafikolycka, annan yttre olyckshändelse eller uppsåtlig skadegörelse av tredje man.

[97] Vandalism: Conditional ↩

Malicious damage by a third party is covered as vagnskada (321, Helförsäkring only) and as damage connected to theft/attempted theft under stöldförsäkring (351 d, both tiers). The MER add-on (732) reduces the deductible on malicious-damage and animal-collision claims to 1,000 SEK

Skada genom trafikolycka, annan yttre olyckshändelse eller uppsåtlig skadegörelse av tredje man.

[98] Roadside assistance: Covered ↩

Covers transport of driver, passengers, the insured vehicle, attached trailer/caravan and luggage following breakdown, accident, fuel/battery depletion, lock-out, or theft; transport to the nearest workshop or to the vehicle's home address, with a 24/7 alarm centre (020-59 00 00 domestically, +46 8 670 40 00 abroad). Included in both Halvförsäkring and Helförsäkring since it forms part of kaskoförsäkring outside the vagnskada module

Behöver du assistans ring 020-59 00 00, vår larmcentral har öppet dygnet runt. Vid behov av assistans utomlands ska du kontakta Länsförsäkringar Skadejour, tel +46 8 670 40 00 eller ditt länsförsäkringsbolag.

[99] Replacement vehicle: Optional ↩

Rental car or cash 'avbrottsersättning' (150 SEK/day) is only available via the separately purchased Tilläggsförsäkring MER, open to personbil/lätt lastbil that is at least Halvförsäkrad. Länsförsäkringar pays 75% of the rental day/km cost (customer pays 25%) for up to 60 days per claim

Om bilen inte kan användas på grund av skada, ersättningsbar stöld eller annat driftstopp kan du få ersättning för hyrbil eller kontant ersättning, så kallad avbrottsersättning.

[100] Driver accident: Covered ↩

Casco does not include general bodily-injury/accident cover for the driver (that sits under the separate mandatory trafikförsäkring). It does include Krisförsäkring (39): treatment for psychological ill-health following a traffic accident, robbery, unlawful threat or assault while travelling in the insured vehicle — up to 10 treatment sessions per person/event within 12 months, no deductible, plus legal advice up to 10% of prisbasbeloppet per person/event

Försäkringen ersätter behandlingskostnad i Sverige hos psykolog eller annan person med särskild kompetens för stödsamtal och krisbearbetning.

[101] Own damage: Conditional ↩

Covers damage to your own car in a traffic accident (even if you caused it), other external accidental events (e.g. running off the road), and intentional damage by a third party. Settlement is based on the car's market value; excludes damage from rust, corrosion, cold, wet or damp, and damage originating from inside the vehicle. Only included in the Helförsäkring (full insurance) tier, not Halvförsäkring.

Försäkringen gäller för skada genom: • trafikolycka • annan yttre olyckshändelse • uppsåtlig skadegörelse av tredje man.

[102] Total loss: Covered ↩

If repair is uneconomical relative to market value, or a stolen vehicle is not recovered, Moderna settles at the vehicle's market value immediately before the loss. For qualifying new cars (owned since first registration, damage within 1 year, ≤20,000 km driven, repair cost >50% of purchase price), new-value replacement (nyvärdesersättning) with an equivalent new car may apply instead.

Om fordonet i förhållande till dess marknadsvärde inte är lönsamt att reparera eller om det inte kommit tillrätta efter stöld värderar vi fordonet inklusive utrustning ... enligt marknadsvärdet.

[103] Partial loss: Covered ↩

Repair costs for damage covered under the applicable perils (fire, glass, theft, mechanical breakdown in Halvförsäkring; plus collision/vagnskada in Helförsäkring) are reimbursed based on market value, using equivalent used parts where available; certain equipment (e.g. tyres, alloy wheels, audio equipment) is valued per an age-based depreciation table.

Vid reparation ska begagnad likvärdig utbytesdel användas om sådan finns att tillgå.

[104] Theft & robbery: Covered ↩

Covers theft, unauthorized taking (tillgrepp), attempted theft/taking, robbery, and intentional damage connected to these events, provided the car was locked. Sub-limits apply: audio/video/navigation equipment SEK 30,000 (unlimited if factory-fitted), extra lights SEK 10,000, wheels (tyres with rims) SEK 25,000 (no limit with wheel locks fitted or if the whole car is stolen). A 30-day claims-handling period applies before compensation is paid if the vehicle is not recovered.

Försäkringen gäller för: • skada genom – stöld – tillgrepp – försök till stöld eller tillgrepp – rån • uppsåtlig skadegörelse i samband med någon av händelserna ovan.

[105] Glass damage: Covered ↩

Covers windscreen, side or rear windows (and visor on motorcycle/snowmobile) that are punctured, cracked or shattered. Deductible SEK 2,000 for replacement; no deductible for repair. Does not cover glass damage from collision, rollover or running off the road (except for snowmobiles), vandalism, or sunroof/glass roof/headlamp/mirror glass.

Försäkringen gäller för skada: • på vindruta, sidoruta eller bakruta (samt siktskiva på motorcykel eller snöskoter) som består i att rutan genombrutits, spräckts eller krossats.

[106] Natural perils: Conditional ↩

Not named as a separate peril category in the terms. Fire, lightning strike and explosion are covered under Brand (Halv/Hel); other external accidental events (which may include storm or flood-related impacts on the vehicle) are covered only under Vagnskada, available in Helförsäkring only. Damage from frost, wet or damp is explicitly excluded.

[107] Vandalism: Covered ↩

Theft-related intentional damage (uppsåtlig skadegörelse i samband med stöld/tillgrepp) is covered under Stöld in both Halv- and Helförsäkring. General malicious damage by a third party unrelated to theft (uppsåtlig skadegörelse av tredje man) is covered under Vagnskada, available only in Helförsäkring; a 50% deductible reduction can be obtained via the optional Kombi add-on.

uppsåtlig skadegörelse i samband med någon av händelserna ovan.

[108] Roadside assistance: Covered ↩

Covers person and vehicle transport made necessary by theft, traffic accident or other breakdown (excluding fuel shortage or puncture) during travel with the insured car, including towing to the nearest suitable workshop and travel home within the Nordic countries. Included in both Halvförsäkring and Helförsäkring.

Räddningsförsäkringen gäller för person- och fordonstransporter som blivit nödvändiga genom att du i samband med resa med den försäkrade bilen råkat ut för sådana nödsituationer som anges i avsnitt G1 (Persontransport) och G2 (Fordonstransport).

[109] Replacement vehicle: Optional ↩

Optional add-on (requires at least Halvförsäkring) reimbursing 75% of the daily and per-km rental cost (or SEK 100/day cash compensation instead) for up to 75 days while the insured car is unusable due to a covered loss. Limited to 7 days if the loss falls under Vagnskada but the car lacks vagnskadeförsäkring, or if the age/mileage limits for Maskin cover have been exceeded.

Kostnad för hyrbil ersätts med 75 % av dygns- och kilometerkostnaden för standardutrustad bil av motsvarande storlek.

[110] Driver accident: SEK 600,000 ↩

Optional add-on (requires at least Halvförsäkring) covering personal injury to driver/passengers from a traffic accident: SEK 3,600 lump sum for hospitalization of at least 72 hours, SEK 2,000 for sick leave of at least 7 days, SEK 100,000 to the estate on death within 12 months, and up to SEK 600,000 for medical invalidity (minimum 5% invalidity grade required, no deductible).

med 3 600 kr (engångsersättning) vid inskrivning på sjukhus i minst 72 timmar ... vid medicinsk invaliditet.

[111] Own damage: Covered ↩

Covers damage to the insured vehicle caused by a traffic accident, other external accidental event (e.g. collision, ditch driving, falling object), or intentional vandalism by a third party. Included only in Helförsäkring and Stor Helförsäkring (not Halvförsäkring or Trafikförsäkring). Base deductible is 4,000 SEK. Settlement is by repair, replacement with an equivalent vehicle, or cash based on the vehicle's market value immediately before the damage, at the insurer's discretion.

Försäkringen gäller för • skada på ditt fordon genom trafikolycka • skada på ditt fordon genom annan yttre olyckshändelse • skada på ditt fordon genom uppsåtlig skadegörelse av tredje man.

[112] Total loss: Covered ↩

If repair is not deemed cost-effective, settlement is based on the vehicle's market value immediately before the loss. A new-value replacement rule applies for vehicles under 1 year old, owned since first registration, driven fewer than 20,000 km, where the estimated repair cost exceeds 50% of the vehicle's market value (incl. VAT); in that case the vehicle is replaced with a new one of the same type and model year.

Om seriemässigt tillverkad personbil (inte direkt-/sidoimporterad) skadas ersätter vi den med ny bil av samma typ och årsmodell under förutsättning att skadan skett inom ett år från det att bilen registrerades första gången du ägt bilen oavbrutet sedan den registrerades första gången bilen körts högst 20 000 km skälig reparationskostnad beräknas överstiga 50 % av den skadade bilens marknadsvärde vid skadetillfället (inklusive mervärdesskatt).

[113] Partial loss: Covered ↩

Partial damage under vagnskada, brand, glas, maskin, stöld or allrisk cover is repaired using a used equivalent replacement part where available, by a repairer designated/approved by Paydrive. The applicable deductible depends on the damage type (e.g. 4,000 SEK for vagnskada, 1,500 SEK for glass/theft/fire, 0 SEK for glass repair instead of replacement).

Vid reparation ska begagnad likvärdig utbytesdel användas om sådan finns att tillgå.

[114] Theft & robbery: Covered ↩

Covers theft, attempted theft and unauthorized taking of the vehicle (tillgrepp), included in Halvförsäkring and Helförsäkring alike. No deductible applies if the whole vehicle is stolen while the Bilbox tracking device is properly connected; otherwise base deductible is 1,500 SEK. Sub-limits: non-factory-fitted stereo/electronics up to 45,000 SEK; wheels not supplied by an authorized dealer up to 55,000 SEK.

Eftersom bilboxen som ingår i försäkringen som gör det möjligt att spåra bilen tillämpas ingen självrisk när bilen blivit stulen.

[115] Glass damage: Covered ↩

Covers damage where the windscreen, side or rear window is cracked, broken through, or shattered (e.g. stone chip). Deductible is 1,500 SEK, reduced to 0 SEK if the damage is repaired rather than the glass replaced. Excludes glass broken during a collision, rollover, or off-road driving (vagnskada), or through vandalism.

skada som består i att vind-, sido- eller bakruta krossas, genombryts eller spräcks.

[116] Natural perils: Covered ↩

There is no dedicated 'natural perils' module; weather- and nature-related events are covered via Vagnskada (other external accidental events, e.g. falling objects) and Brand (fire caused by lightning strike). Damage caused by rust, corrosion, cold or damp/moisture is explicitly excluded from both Vagnskada and Maskinskada.

skada genom rost, frätning, köld, väta eller fukt

[117] Vandalism: SEK 6,000 ↩

Intentional damage by a third party is covered without a specific cap under the Vagnskada module (own_damage), subject to the standard 4,000 SEK deductible. A separate 'Skadegörelse' benefit reimburses the deductible paid on a vandalism claim settled via Vagnskada/vagnskadegaranti, up to 6,000 SEK if repair cost exceeds 1,000 SEK; this benefit is automatically included in Stor Helförsäkring/Stor Halvförsäkring but is a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Om bilen skadas genom uppsåtlig skadegörelse som ersätts via vagnskadeförsäkringen/vagnskadegarantin ersätts grund-/garantisjälvrisken om reparationskostnaden överstiger 1 000 kr. Ersättning lämnas med högst 6000 kronor.

[118] Roadside assistance: Conditional ↩

Räddningsförsäkring (towing to a workshop or home in Sweden, plus travel costs home) is included in all Halv- and Helförsäkring forms without deductible. The broader Assistans service (on-site repair, tyre change, fuel delivery, lock-out help, plus 3 days' rental car if repair exceeds 12 hours) is included automatically in Stor Helförsäkring/Stor Halvförsäkring, but is a paid optional add-on for standard Helförsäkring/Halvförsäkring (separately or as part of the 99 SEK/month Pluspaket). Usable once per insurance period, for vehicles under 17 years old, without deductible.

bärgning till av Paydrive anvisad verkstad om bilen är yngre än 17 år reparation på plats däckbyte vid punktering transport av drivmedel låsöppning.

[119] Replacement vehicle: Conditional ↩

Covers rental car costs when the insured vehicle cannot be used due to an insured fire, glass, theft, allrisk, vagnskada or maskinskada claim. Reimbursement is 75% of the daily and mileage cost of a comparable rental car, or a flat 150 SEK/day, for up to 80 days (14 days if the vehicle is not repaired). Included automatically in Stor Helförsäkring/Stor Halvförsäkring; a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Kostnad för hyrbil ersätts vid skada med 75 % av dygns- och kilometerkostnaden för standardutrustad bil av motsvarande storlek.

[120] Driver accident: SEK 600,000 ↩

Pays compensation for medical invalidity or death of the driver/passengers from a traffic accident with the insured vehicle, with no deductible. Maximum compensation for 100% medical invalidity is 600,000 SEK (reduced by 2.5 percentage points per year of age above 45 at the time of the accident); a separate flat death benefit of 50,000 SEK applies if death occurs within two years of the accident. Included automatically in Stor Helförsäkring/Stor Halvförsäkring; a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Försäkringsbeloppet vid fullständig (100 procent) medicinsk invaliditet är 600 000 kr.

[121] Own damage: Covered ↩

Covers damage to the insured car caused by a traffic accident, vandalism (skadegörelse) or another external accidental event (e.g. a falling tree), including during transport on another vehicle such as a ferry. Compensation is based on the car's market value immediately before the damage, part of Helförsäkring only.

[122] Total loss: Conditional ↩

If the car cannot economically be repaired, or is not recovered after theft, it is valued (with equipment) at market value. New-value replacement with an equivalent new car applies only if: the car was sold by a Swedish general agent and series-produced; repair cost exceeds 50% of the purchase price; the damage occurred within 1 year of first registration; the policyholder bought the car new (not demo/company car) as first registered owner; and the car has been driven at most 2,000 mil.

[123] Partial loss: Covered ↩

For repairable damage, Svedea decides whether the claim is settled by repair, cash or replacement with similar property, and where the item is bought or repaired; the policyholder may use a repair shop of their own choice. Equipment/accessory age-based deductions apply on top of the deductible (e.g. tyres, rims, audio equipment on a fixed depreciation scale).

[124] Theft & robbery: Covered ↩

Covers theft, unlawful taking (tillgrepp) or robbery of the car, and damage from attempted theft/robbery, including theft of accessories (e.g. extra lights, audio system). If the car is not recovered within 30 days of the police report and claim notification, a loss payment is made. No deductible applies if the car is found again thanks to a tracker or marking, provided other security requirements were met.

[125] Glass damage: Covered ↩

Covers damage where the windscreen, side window or rear window is crushed, cracked or pierced, e.g. by stone chips. Stone-chip windscreen repair is free of charge. Damage caused by collision, rollover, driving off the road, or deliberate vandalism, and damage to sunroofs or headlight glass, is excluded (covered instead under Vagnskada in Helförsäkring). If several windows must be replaced, a deductible applies per window.

[126] Natural perils: Covered ↩

Damage from an external accidental event such as a tree falling on the car is covered under the Vagnskada part, which is only included in Helförsäkring. It is not covered under the Halvförsäkring Allrisk part, which is limited to sudden damage to the car's interior/boot, keys, and misfuelling.

[127] Vandalism: Covered ↩

General vandalism to the car body is covered under Vagnskada, only included in Helförsäkring; the applicable deductible is reduced by 50% for such damage. Under Halvförsäkring, vandalism is only covered when it occurs in connection with an attempted theft or robbery (Stöld part). With the XL add-on, the deductible for vandalism is removed entirely (subject to a vagnskadegaranti cap of SEK 6,000 where relevant).

[128] Roadside assistance: Covered ↩

Covers towing/recovery and transport of driver, passengers, the car, an attached trailer and luggage following theft, damage or breakdown during a journey. Standard deductible is SEK 2,000. With the XL add-on the deductible is removed for up to 3 call-outs per insurance year.

Om bilen plötsligt stannar, oavsett orsak, ersätter försäkringen kostnader för att du och bilen ska komma vidare.

[129] Replacement vehicle: Optional ↩

Available only with the XL add-on. Covers 75% of the daily/mileage cost of a standard-equipped rental car of comparable size for up to 65 days from the day the car became unusable due to a covered claim (or vagnskadegaranti); reduced to 8 days if the machine/electronics age or mileage limits (10 years / 15,000 mil) were exceeded. A cash alternative of SEK 200/day can be chosen instead. Svedea also covers the rental car's own deductible in case of fire/theft/glass/vagnskada up to SEK 10,000 (SEK 3,000 if the policyholder's own car has no vagnskada cover).

[130] Driver accident: SEK 1,000,000 ↩

Available only with the XL add-on. Pays SEK 10,000 lump sum for acute hospitalisation of at least 3 consecutive nights. For permanent medical/psychological invalidity of at least 20% arising within 3 years of the accident, compensation is paid from a SEK 1,000,000 sum insured proportional to the invalidity grade (assessed per the industry table); the sum insured is reduced by 5% per year from age 50 up to age 65. On death, SEK 100,000 is paid to the driver's and/or passenger's estate each.

en bestående invaliditetsgrad på minst 20 procent har inträtt inom tre år från olycksfallet.

[131] Own damage: Conditional ↩

Covers damage to your own vehicle from traffic accidents, other accidental events outside the vehicle, and intentional damage by a third party. Only included in Helförsäkring (full casco); not included in Halvförsäkring (partial casco). Settled at the vehicle's market value immediately before the loss; new-car replacement (nybilsersättning) is available for vehicles under 1 year old with at most 2,000 mil driven (extended to 2 years/4,000 mil under the Bilförsäkring stor add-on) if repair costs exceed 50% (80% under Bilförsäkring stor) of market value.

skador på grund av – trafikolyckor – andra olyckshändelser utanför fordonet – avsiktlig (uppsåtlig) skadegörelse av tredje man.

[132] Total loss: Conditional ↩

A total loss is settled at the vehicle's market value immediately before the loss (E.4). New-car replacement (nybilsersättning) applies instead of market value when the vehicle is under 1 year old (2 years under Bilförsäkring stor), has been driven at most 2,000 mil (4,000 mil under Bilförsäkring stor), was sold new by a Swedish general agent, has been continuously owned by you, and repair costs exceed 50% (80% under Bilförsäkring stor) of market value. For stolen vehicles not recovered, Trygg-Hansa waits 30 days after the police report before finalizing the claim.

Bilen har körts högst 2 000 mil. Reparationskostnaden beräknas överstiga 50 procent av bilens marknadsvärde vid skadetillfället. Skadan ersätts genom din försäkring.

[133] Partial loss: Covered ↩

Repairable damage is settled at market value; damaged parts are replaced with equivalent used parts where possible. Fitted equipment (e.g. rims, navigation, tow-bar cover, child seats) is subject to a standard age-depreciation schedule, and tyres are written down 15% per millimetre of tread wear from the original depth.

Ersättningen grundas på fordonets eller utrustningens värde i allmänna handeln omedelbart före skadehändelsen, det vill säga marknadsvärdet. Vid reparation ska skadade delar om möjligt bytas mot likvärdiga begagnade delar.

[134] Theft & robbery: Covered ↩

Covers theft, unlawful taking (tillgrepp), robbery, attempted theft/robbery, and intentional damage committed in connection with these events. Included in both Halvförsäkring and Helförsäkring. The deductible is waived if the vehicle was fitted with a tracker meeting SSF norm 1073, or a Trygg-Hansa approved tracker, that was active at the time of the theft.

Försäkringen gäller utan självrisk vid stöld eller tillgrepp av fordonet om fordonet var utrustat med något av följande: en spårsändare som uppfyller SSF Stöldskyddsföreningens norm SSF 1073 en spårsändare som är godkänd av oss och var i funktion vid stölden eller tillgreppet.

[135] Glass damage: Covered ↩

Covers a windscreen, side window, rear window, or cowl/windscreen-shield glass that is pierced, cracked, or shattered, e.g. by a stone chip. Excludes sunroof and headlamp glass, damage occurring in a collision, rollover or off-road event, and deliberate vandalism, which is instead settled under Vagnskada (Helförsäkring). Included in both Halvförsäkring and Helförsäkring.

genombruten, spräckt eller krossad – vindruta – sidoruta – bakruta – vindskiva och kåpglas. Försäkringen ersätter inte: skador på sollucka, lyktglas eller glastak; skador som har inträffat när fordonet kolliderat, vält eller kört av vägen; skador vid avsiktlig (uppsåtlig) skadegörelse.

[136] Natural perils: Covered ↩

Covers damage from fire that has broken loose, lightning strike, explosion, and arson committed by another person. Does not cover freezing, wet damage, corrosion, or short-circuits that do not develop into fire. Storm, flood and hail are not separately covered for vehicles under this policy. Included in both Halvförsäkring and Helförsäkring.

skador på grund av – brand, det vill säga eld som kommit lös – blixtnedslag – explosion – brand som anlagts av annan person, det vill säga någon annan än du själv som handlat utan ditt samtycke.

[137] Vandalism: Conditional ↩

Full protection against intentional damage caused by a third party is only included via Vagnskada in Helförsäkring. In Halvförsäkring, vandalism is covered only when it occurs in connection with a theft, attempted theft, or robbery. The optional Självriskrabatt add-on can reduce the vagnskada deductible by up to 6,000 SEK (private vehicles) or 20% of a prisbasbelopp (company vehicles) for vandalism claims, or pay up to 3,500 SEK if you lack vagnskadeförsäkring.

Vid avsiktlig skadegörelse av tredje man sänks din valda vagnskadesjälvrisk med upp till 6 000 kronor för privatägt fordon och upp till 20 procent av ett prisbasbelopp för företagsägt fordon.

[138] Roadside assistance: Covered ↩

Covers towing of the insured vehicle (and any attached caravan/trailer) to the nearest repair shop after theft (once recovered), damage, or other breakdown, plus reasonable travel costs to retrieve the vehicle (250 SEK/day if retrieval takes more than 7 hours) and transport home for driver/passengers. For electric vehicles, towing to the nearest charging station is covered if the traction battery is depleted during a journey. Does not cover breakdowns caused solely by running out of fuel. Included in both Halvförsäkring and Helförsäkring.

transport till närmaste verkstad som kan reparera fordonet när det – stulits och kommit till rätta – skadats – råkat ut för annat driftstopp ... Om tiden för hämtning överstiger 7 timmar får du 250 kronor per dag.

[139] Replacement vehicle: Optional ↩

Optional add-on for private cars/light trucks providing either a rental car (75% of daily and per-km cost of an equivalent-size car, plus fuel compensation for EVs/plug-in hybrids) or fixed daily compensation (150 SEK/day for privately or company-owned cars, 200 SEK/day for company-owned light trucks) for up to 65 days while the insured car is repaired after a claim covered by fire, glass, theft, motor/electronics, drulle or vagnskada cover, or for up to 7 days (max twice per period) after an uncovered breakdown.

Vi ersätter 75 procent av dygns- och kilometerkostnaden för en bil som är storleksmässigt likvärdig med din egen bil. ... Avbrottsersättning: 150 kronor per dag för privatägd personbil och lätt lastbil samt företagsägd personbil 200 kronor per dag för företagsägd lätt lastbil.

[140] Driver accident: SEK 600,000 ↩

Optional add-on covering medical invalidity compensation of up to 600,000 SEK per person for bodily injury suffered as a result of traffic with the insured vehicle, plus treatment cost cover of up to 2,000,000 SEK per claim (private care, vårdgaranti of specialist contact within 6 working days and hospital admission within 14 working days) for drivers and passengers aged 16-64. No deductible applies.

Högsta ersättningsbelopp för medicinsk invaliditet är 600 000 kronor per person.

[141] Own damage: Conditional ↩

Covers damage to the insured vehicle from a traffic accident, other sudden and unforeseen external event, malicious damage (vandalism) or during transport of the vehicle. Compensation is based on the vehicle's market value; no fixed sum insured. Deductible is selectable: 3,500, 6,000 or 10,000 SEK. Included only in Helförsäkring and the Helförsäkring variant of Superbil; not included in Halvförsäkring.

Ersätter skador på bilen efter trafikolycka, annan plötslig och oförutsedd yttre olyckshändelse, uppsåtlig skadegörelse eller vid transport av bilen. Självrisken kan väljas och är 3 500 kr, 6 000 kr eller 10 000 kr.

[142] Total loss: Conditional ↩

Compensation is based on the vehicle's market value immediately before the loss. If repair is not economical relative to market value, or the vehicle is not recovered after theft, the insurer pays the market value. For vehicles older than 30 years, compensation for fire, glass, theft and collision damage is capped at 100,000 SEK. Applies where Vagnskadeförsäkring (Hel/Superbil) or the relevant peril cover is in force.

Ersättning grundas på egendomens värde vid köp i allmänna handeln (marknadsvärde) omedelbart före skadan. Om fordonet i förhållande till dess marknadsvärde inte är lönsamt att reparera eller om det inte kommit tillrätta efter stöld ersätter vi med marknadsvärdet.

[143] Partial loss: Conditional ↩

Repair costs for partial damage are covered under the relevant peril (fire, glass, theft, machine/electronics, vagnskada). Used/refurbished parts may be used where possible. For vehicles older than 30 years, compensation for fire, glass, theft and collision damage is capped at 100,000 SEK.

Om fordonet är äldre än 30 år är ersättningsbeloppet maximerat till 100 000 kr vid brand-, glas-, stöld- och vagnskada.

[144] Theft & robbery: Covered ↩

Covers theft or attempted theft of the whole vehicle, or of detached wheels and certain other equipment. Deductible is 2,000 SEK. Compensation for stolen/detached wheels is capped at 35,000 SEK; this cap does not apply to theft of the whole vehicle. Cover does not apply if a household member or another person with access to the vehicle uses it without permission. Included in Halvförsäkring, Helförsäkring and Superbil.

Stöld: stöld, försök till stöld av hela fordonet eller avmonterade hjul och viss annan utrustning. Självrisken är 2 000 kr.

[145] Glass damage: Covered ↩

Covers a perforated, cracked or shattered window. Deductible is 1,500 SEK for a window replacement and 0 SEK for a repair. Does not cover glass damage from collision, rollover or driving off the road (covered instead under Vagnskadeförsäkring). Included in Halvförsäkring, Helförsäkring and Superbil.

Glas: genombruten, spräckt eller krossad ruta. Självrisken är 1 500 kr vid byte av ruta. Vid reparation är självrisken 0 kr.

[146] Natural perils: Conditional ↩

There is no separately named 'natural perils' cover. Damage caused by fire, lightning and explosion is covered under 'Brand' (included in Halv-/Hel-/Superbil, deductible 1,000 SEK). Other sudden, unforeseen external events (e.g. storm-type damage) fall under Vagnskadeförsäkring, which is only included in Helförsäkring/Superbil (helförsäkring).

Brand: skada orsakad av brand, blixt och explosion. Självrisken är 1 000 kr.

[147] Vandalism: Conditional ↩

Malicious damage (uppsåtlig skadegörelse) to the vehicle is covered as part of Vagnskadeförsäkring, which is included in Helförsäkring ("Vagnskadeförsäkring inklusive skadegörelse") and in Superbil taken as full cover. Not included in Halvförsäkring.

Vagnskadeförsäkring inklusive skadegörelse

[148] Roadside assistance: Covered ↩

Räddningsförsäkring covers necessary transport of the person and vehicle if the car is stolen, damaged or breaks down during a trip (excludes running out of fuel; EV breakdown due to lack of charge is covered). Deductible is 1,500 SEK. Included in Halvförsäkring, Helförsäkring and Superbil. The optional add-on Vägassistans additionally covers towing/assistance for accidents, theft, machine/electronic breakdown, punctures, running out of fuel, and locked-out/lost keys, with no deductible, limited to three events per insurance year; it is included automatically in Superbil and otherwise sold as an add-on to Halv-/Helförsäkring.

Räddningsförsäkring: Täcker person- och fordonstransporter som blivit nödvändiga vid resa om bilen stulits, skadats eller fått driftstopp (gäller tex ej för driftstopp på grund av bränslebrist). För Elbil gäller Räddningsförsäkring vid driftstopp på grund av elbrist. Självrisken är 1 500 kr.

[149] Replacement vehicle: Optional ↩

Add-on covering an eco-friendly rental car if the insured vehicle cannot be used due to damage covered under Halvförsäkring, Vagnskadeförsäkring or vagnskadegaranti. Pays 75% of the daily and per-km rental cost (same size class), for a maximum of 65 days, with no deductible. If an EV or hybrid is rented instead, 90% of the daily and per-km cost is reimbursed and the replacement car may be of a different size class. Included automatically as part of the Superbil package; otherwise an optional add-on for Halvförsäkring/Helförsäkring.

Vi ersätter miljöhyrbil vid skada som kan ersättas enligt villkoren för halvförsäkring, vagnskadeförsäkring eller vagnskadegaranti. Vi ersätter 75 % av dygns- och kilometerkostnaden för hyrbil av samma storleksklass som den försäkrade under högst 65 dagar.

[150] Driver accident: SEK 600,000 ↩

Covers personal injury to the driver and passengers in a traffic accident involving the insured vehicle. Maximum compensation for medical invalidity is 600,000 SEK and for death is 20,000 SEK. Compensation for medical invalidity is reduced by 2.5% for each year the insured's age exceeds 45. Included automatically in Superbil; otherwise an optional add-on for Halvförsäkring/Helförsäkring.

Ersätter personskador för förare och passagerare vid trafikolycka med det försäkrade fordonet. Högsta ersättning för medicinsk invaliditet är 600 000 kr och för dödsfall 20 000 kr.