Akademikerförsäkring Casco (own-damage car insurance) (Bilforsakring)

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).

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.

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.

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.

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.

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.

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.

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.

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.