Aktiebolaget Akademikerförsäkring i Stockholm

Driver age and experience limit

An extra deductible of SEK 1,000 (youth deductible) applies to traffic and vehicle-damage (vagnskada) claims if the vehicle was driven by someone other than the policyholder who was under 24 years old at the time of the accident.

Repair network requirements

The insurer decides whether the vehicle is repaired, replaced with an equivalent vehicle, or compensated in cash, and may direct the customer to a workshop it has approved; used equivalent replacement parts must be used where available, and workshops repairing plastic parts must be environmentally certified.

Territorial scope

Casco cover applies in the Nordic countries and Green Card Agreement countries, and during transport between them; deregistered vehicles are covered only in Sweden; cover ceases if the vehicle has been outside Sweden for more than 185 consecutive days in the preceding 12 months.

Anti-theft requirements

The vehicle must be locked with an approved anti-theft device suited to the vehicle type (e.g. steering/gear lock for cars). Outside the EEA, UK and Switzerland the vehicle must carry an SSF 1073-certified tracker with an active alarm-centre connection, or compensation is reduced by 50%. Vehicles worth SEK 1 million or more must have an approved tracker with alarm-centre connection at the time of theft, or compensation is reduced by 50%.

Claim notification deadline

Claims must be reported to the insurer without delay; theft, burglary, robbery, or attempts at such crimes must also be reported to the police, and the police report must be submitted together with the claim.

Deductible rules

Only the single highest base deductible applies when a property claim is covered by several parts of the policy (this rule does not apply to liability, traffic, legal-protection, or glass deductibles). The glass deductible is reduced to SEK 200 if the window is repaired rather than replaced. The deductible for intentional third-party vandalism is capped at SEK 2,000. The machine and electronics deductible is SEK 3,000/5,000/7,000 depending on the vehicle's mileage band.

Half insurance (Delkasko)

Comprehensive partial coverage including theft, fire, glass damage, machine/electronics damage, and loss of car keys

Full insurance (Helförsäkring)

Complete coverage combining traffic insurance, half insurance, and vehicle damage insurance for external damage including collisions and vandalism

Traffic insurance (mandatory)

Legally mandatory insurance covering damage caused to third parties, both personal injuries and property damage

Wrong fuel coverage

Covers damage to engine and related components resulting from incorrect fuel being put into the vehicle

Deductible level options

Insureds can select deductible amounts; lowest market deductible offered for vehicle damage claims

Automatic transition for parked vehicles

When a vehicle is officially parked/deregistered with Transportstyrelsen, the insurance automatically changes to standstill insurance

Automatic annual renewal

Insurance contract renews automatically one year at a time; insurer may change terms and premium at renewal

Union membership requirement

To purchase this insurance, buyer must be member of one of Akademikerförsäkring's affiliated trade unions

Underwriter handles claims and risk assessment

The actual insurance company (Trygg-Hansa or Dina Försäkringar) evaluates, processes, and pays claims; Akademikerförsäkring acts as broker/administrator

Unemployment/sick leave coverage

No cost for insurance up to one year if policyholder becomes involuntarily unemployed or on full-time sick leave for more than 6 months