Motor casco
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| Feature / category | Folksam May 18, 2026 Open details | If May 18, 2026 Open details | Länsförsäkringar May 18, 2026 Open details | Santander bilförsäkring i samarbete med Trygg-Hansa May 18, 2026 Open details |
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| Overview | ||||
Insurer | Folksam (Folksam ömsesidig sakförsäkring / Folksam ömsesidig livförsäkring) | If Skadeförsäkring AB (publ) | Länsförsäkringar AB | Trygg-Hansa |
Online purchase | Yes | Yes | Yes | No |
24/7 helpline | Yes | Yes | No | Yes |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | Not available | Not available |
Terms & conditions | ||||
| Coverage | ||||
Own damage | Covered | SEK 1,500,000 | unlimited | unlimited |
Total loss | unlimited | SEK 1,500,000 | unlimited | Covered |
Partial loss | unlimited | SEK 1,500,000 | unlimited | unlimited |
Theft & robbery | unlimited | SEK 1,500,000 | unlimited | unlimited |
Glass damage | SEK 1,500 | Covered | Covered | Covered |
Natural perils | unlimited | Covered | unlimited | Covered |
Vandalism | unlimited | Covered | unlimited | unlimited |
Roadside assistance | Covered | Covered | unlimited | unlimited |
Replacement vehicle | Optional | SEK 75 | €45 | Optional |
Driver accident | Excluded | SEK 600,000 | Optional | Optional |
| Key conditions | ||||
Driver age experience limit | No minimum age for the policyholder/owner. However, if the driver at the time of damage was under 24 years old, the base deductible for own-damage (vagnskadeförsäkring) is increased by SEK 1,000 (does not apply for animal collision or collision with another known vehicle abroad). For traffic insurance, an excess of SEK 1,000 applies if the driver was under 24 years old. | An additional special deductible of SEK 1,000 applies to both the traffic insurance and vagnskada (own damage) insurance when the driver was under 25 years of age at the time of the damage. Only one youth deductible is charged when both traffic and vagnskada damages occur simultaneously. | An additional deductible of 1,000 SEK applies if the driver is under 24 years old and is not the registered owner of the vehicle. This surcharge applies to both the traffic insurance deductible and the vehicle damage (vagnskada) deductible. | An additional youth excess (ungdomssjälvrisk) of SEK 2,000 applies to private vehicles for vagnskada claims when the driver was under 24 years of age and this was not pre-reported to Trygg-Hansa. For company-owned vehicles the youth excess is 5% of the price base amount. For trafikförsäkringen, a youth excess of SEK 2,000 (private) or 5% of price base amount (company) applies when driver is under 24. The policyholder (if themselves under 24 and driving) is exempt from the youth excess. |
Repair network requirements | Folksam has the right to determine the workshop and repair method. At repair, Folksam proposes environmentally approved (miljögodkänd) workshops. At total loss, the vehicle must be delivered to a Folksam-approved dismantler. Used original parts must be used where possible; damaged plastic parts must be repaired where possible. Prior approval from Folksam or Folksam Jour is required before the insured arranges repairs, unless circumstances make it impossible to contact Folksam. Manufacturer's service and maintenance instructions must be followed throughout the vehicle's life. | If decides which authorised workshop will carry out the repair and which repair method will be used. If the policyholder does not obtain If's instructions before ordering work, they must be able to demonstrate the scope of the damage and that the chosen repair method was necessary. Compensation is then paid only to the policyholder against a receipt for payment. Original or equivalent recycled parts are used; If may opt for cash settlement if it takes over ownership of the damaged vehicle within one month of the offer. | Länsförsäkringar may direct the insured to an approved workshop or repair network partner. Costs are paid directly to the workshop after deductible. For machine damage assessment, an authorised brand workshop must first inspect the vehicle. | All repairs must be pre-approved by Trygg-Hansa. The insured must contact Trygg-Hansa before arranging repairs, towing or car hire. Trygg-Hansa determines the repair method and may direct the insured to a contracted repairer. If the insured uses a non-contracted repairer without prior approval, Trygg-Hansa will only reimburse what it would have cost using its own contracted network. |
Territorial scope | The insurance is valid in EEA countries and other countries connected to the Green Card system, and during transport between these countries. The off-road (avställnings) insurance is valid only in Sweden. The mandatory traffic insurance is always valid worldwide for Swedish-registered vehicles causing injury to Swedish citizens or persons resident in Sweden, in accordance with the Traffic Damage Act (TSL). | The insurance (excluding traffic insurance) is valid in countries connected to the Green Card system, but not in Morocco or Tunisia. The traffic insurance is valid in all Green Card countries and globally for Swedish citizens or residents in Sweden under the Road Traffic Damage Act. The insurance does not apply when the vehicle is on a circuit intended for motor vehicle driving (e.g. Anderstorp, Gotland Ring, Mantorp, Nürburgring including Nordschleife). If the vehicle has been abroad for more than 182 days in the preceding 12 months when the damage occurs, no compensation is paid. | The casco insurance applies within the countries connected to the Green Card (Gröna Kort) system and during transit between these countries. The traffic insurance applies worldwide for Swedish citizens and persons domiciled in Sweden injured by a Swedish-registered vehicle. | The insurance is valid in all countries connected to the Green Card system and during transport between these countries. Trygg-Hansa's website and tff.se list applicable countries. The third-party liability (trafikförsäkring) covers Swedish citizens and Swedish residents globally for accidents with Swedish-registered vehicles under trafikskadelagen (1975:1410). |
Anti theft requirements | When leaving the vehicle, it must be locked with steering or gear lock; keys must not be left in or near the vehicle and must be stored securely; keys must not be marked with name, address or registration number. Detachable parts not fixed to the vehicle must be stored in a locked garage or other locked premises to which only the insured has access. Locking requirement does not apply when the vehicle is stored in a locked garage accessible only to the insured, in a public garage where the key must be left with the anti-theft device, or when the vehicle is at a workshop for repair or service. If keys are lost for a vehicle with an immobiliser, the insured must ensure the key is decoded. | When the vehicle is left unattended, all door locks must be locked and the ignition turned off. Keys or key cards must be stored safely and must not be left in or immediately adjacent to the vehicle. If a key or key card is lost, the key code must immediately be de-programmed from the car's control unit by an authorised workshop. Accessories stored in the vehicle must be locked inside it. Dismounted vehicle parts or accessories must be stored locked in a space used solely by the policyholder. Failure to follow these prescriptions: deductible reduction of 10% (minimum SEK 6,500) for key lock, 50% reduction for accessories, full denial for dismounted parts. | A reduced deductible (half the standard deductible) for theft applies if the vehicle is equipped with an approved security/immobiliser coding or has a removable audio/communications unit. Vehicles must be locked and keys properly secured to be eligible for full theft coverage. | When leaving the vehicle, the key must always be taken along (also during loading/unloading). Keys must be stored securely and never in or near the vehicle. Keys must not be labelled with name, address or registration number. Lost keys must be immediately decoded at an authorised workshop. Vehicles must be locked with the ignition lock when parked. Removed parts and equipment must be stored locked in premises accessible only to the owner/family. If a GPS tracker meeting SSF 1073 standard or approved by Trygg-Hansa is fitted and active at the time of theft, the deductible for theft is waived. |
Claim notification deadline | Damage must be reported to Folksam as soon as possible. Theft, unlawful taking of vehicle, vandalism, animal collision, or damage caused by an unknown motor vehicle must also be reported to the police in the country where the event occurred. Damage occurring when the vehicle was transported on another vehicle must also be reported to the transport company. The insured must cooperate in police investigations and provide Folksam with all requested documents and information. Legal prescription period: 10 years from the time the circumstance entitling to compensation arose; if a claim has been submitted, always at least 6 months from Folksam's final decision. | A damage must be reported to If as soon as possible. Theft, vandalism and accidents involving wildlife or domestic animals must also be reported to the police. In the event of a need for roadside assistance, towing or a glazier, If must always be contacted before ordering the work. The right to claim compensation is extinguished if legal action is not brought within ten years from the damage event (three years from gaining knowledge of the claim for events before 1 January 2015). Once a claim has been reported, there is always a minimum six-month period to bring an action after If has issued a final decision. | Damage must be reported to Länsförsäkringar without delay (utan dröjsmål). The insured must also submit all required supporting documentation promptly. Failure to report promptly may result in reduced or denied compensation. | Claims must be reported to Trygg-Hansa without delay (snarast). Police reports are required for theft, burglary, intentional vandalism and robbery. For total vehicle theft, both a police report and contact with the tracking centre must be made immediately. The general limitation period is 10 years from the date the insurable event occurred. Businesses must file their claim within 1 year of the event date. |
Deductible rules | Deductibles vary by coverage type and are stated in the policy certificate (försäkringsbesked). When multiple coverage types apply to the same claim, only the highest deductible is deducted from the total damage amount. For own-damage (vagnskada): standard deductible per policy certificate; increased by SEK 1,000 for drivers under 24 (except animal collision and collision with known foreign vehicle); increased by SEK 3,000 if tyre regulations are not followed; no deductible for animal collision; no deductible for collision with known vehicle abroad. For glass: no deductible for repair; maximum SEK 1,500 for replacement. For fire: no deductible if fire fully breaks out (total fire loss). For theft: no deductible if vehicle recovered using tracker. For machine/electronics: higher deductible applies for vehicles over 10,000 mil. For rental car: no deductible on rental car insurance itself (insured pays 25% co-payment). For legal protection: 20% of damage cost, minimum SEK 1,500. | The deductible consists of a base deductible (stated in the insurance certificate) plus any applicable special deductibles. For Stor bilförsäkring, the vagnskada deductible is SEK 1,500 (SEK 3,000 for directly imported vehicles) for cars up to 5 years old or under 80,000 km; SEK 3,500 (SEK 7,000 for directly imported vehicles) for older/higher-mileage cars. A special deductible of 10% of the claim cost (minimum SEK 5,000) applies if there are deficiencies in the legally required tyre equipment. An additional SEK 1,000 deductible applies for drivers under 25 years old. An additional SEK 1,000 applies if the driver lacked a licence, was driving under the influence, or caused the damage deliberately or by gross negligence. For machine and electronics, the deductible is tiered by vehicle age and mileage; for directly imported vehicles a double deductible applies (except the highest tier in Stor bilförsäkring). | Standard vagnskada deductible: 3,000 SEK or 5,000 SEK (depending on chosen level). Traffic insurance deductible: 1,000 SEK (3,500 SEK for legal entities). Glass chip repair: 200 SEK. Glass replacement (semi-casco): 1,000 SEK. Machine damage: 3,000 SEK (0–6,000 km), 5,000 SEK (6,000–10,000 km), 7,000 SEK (10,000–12,000 km). Direct import surcharge: 5,000 SEK additional (waived for factory-new imports). Young driver surcharge: +1,000 SEK if driver under 24 and not registered owner. | Deductibles (självrisker) for vagnskada (own damage): private car - selectable at SEK 3,500, 4,500 or 6,000; company car - 10%, 15% or 20% of price base amount. Glass repair (chip): no deductible; glass replacement: per insurance certificate. Brand (fire): private SEK 1,500; company 5-10% of price base amount. Theft: per insurance certificate. Motor & electronics: private SEK 1,500 (≤4,000 km), SEK 5,000 (4,001–10,000 km), SEK 8,000 (10,001–15,000 km); company varies by km from 10% to 50% of damage cost (minimum 10% of price base amount). With Bilförsäkring stor the deductible for traffic, fire, theft, motor and drulle is halved. Optional Självriskrabatt reduces vandalism, wildlife collision and approved parking deductibles by up to SEK 6,000 (private). Zero excess on theft if approved GPS tracker fitted. |
| Proof and next steps | ||||
Direct payment policy | Folksam arranges and pays for roadside repairs, towing to the nearest suitable workshop, and replacement vehicle (via Folksam Assistans) directly. For workshop repairs, prior approval from Folksam or Folksam Jour is required before ordering repairs. Folksam selects and directs to approved (environmentally certified) workshops and has the right to determine repair method. | If determines which authorised workshop performs repairs, or may opt for cash settlement at market value immediately before the damage event. Compensation is paid only to the policyholder and only upon presentation of a receipt for payment made. A claim for insurance compensation may not be assigned without If's approval. | Länsförsäkringar pays repair costs directly to the workshop; the insured pays only the applicable deductible. | Trygg-Hansa handles all claims directly; the policyholder contacts Trygg-Hansa at trygghansa.se/skada or 0771-111 500 to report a claim. Repairs must be pre-approved by Trygg-Hansa, who directs the insured to contracted workshops. Trygg-Hansa pays the workshop directly or reimburses the insured after settlement. |
Last verified | May 18, 2026 | May 18, 2026 | May 18, 2026 | May 18, 2026 |