Dina Försäkring AB
Dina Försäkringar
Dina Försäkringar is a motor casco insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Dina Försäkringar can refer vehicle repairs to a workshop it approves and settle the repair cost directly with that workshop. If repairs are carried out without the company's consent, reimbursement may be limited to what the approved repair would have cost, except for urgent repairs necessary to continue the journey.
Geographic scope
Nordic region and countries covered by the Green Card Agreement
Kasko cover applies in the Nordic countries and countries covered by the Green Card Agreement, including transport between them. Motor liability (traffic) insurance applies worldwide under the Traffic Damage Act for accidents involving Swedish-registered vehicles that affect Swedish citizens or residents. Insurance for a deregistered (avställd) vehicle applies only within Sweden.
Unique selling points
- Utökat skydd (extended protection) for misfueling, key loss and sudden interior damage is bundled into both Halvförsäkring and Helförsäkring rather than sold separately.
- A round-the-clock claims line (skadejour) with dedicated towing/emergency numbers is available every day of the year, including abroad.
- No deductible applies on theft or tampering with the whole vehicle when it is fitted with an active SSF 1073 tracker or marked under SSF 1084.
- Vandalism claims under the collision (vagnskada) cover carry a capped deductible of only SEK 2,000, well below the ordinary deductible level.
- New-for-old replacement (nyvärdesersättning) is available for cars damaged within one year and 20,000 km of first registration.
Coverage limits
Own damage (collision) cover
SEK 1,500,000
Only in Helförsäkring
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).
Total loss settlement
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
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.
Partial damage / repair settlement
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
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.
Theft and robbery cover
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
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.
Glass damage cover
Covered
Only in Halvförsäkring, Helförsäkring
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.
Natural peril damage (fire/lightning and storm-type events)
Conditional
Only in Halvförsäkring (brand/blixt), Helförsäkring (övriga naturhändelser)
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.
Vandalism (malicious damage by a third party)
Conditional
Only in Helförsäkring
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.
Roadside assistance and recovery (Räddningsförsäkring)
Covered
Only in Halvförsäkring, Helförsäkring
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.
Replacement/rental vehicle cover (Hyrbilsförsäkring, optional add-on)
SEK 10,000
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.
Driver/passenger accident cover
No limit stated
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.
Key conditions
Driver age and experience limit
If someone other than the policyholder drove the vehicle and that driver was under 24 years old when the damage occurred, an extra 'youth deductible' of SEK 1,000 applies for collision (vagnskada) claims on cars, light trucks, motorhomes up to 3,500 kg and motorcycles, and a similar extra deductible applies under the traffic (MTPL) cover.
Repair network requirements
Dina Försäkringar has the right to refer repairs to a workshop it has approved; the vehicle owner must, with the company's consent, order the repair and approve or contest the completed work. Urgent repairs necessary to continue the journey may be carried out without prior consent and are still reimbursed if the underlying damage is covered.
Territorial scope
Kasko cover (Halv-/Helförsäkring) applies in the Nordic countries and countries covered by the Green Card Agreement, including transport between them. Cover for a deregistered (avställd) vehicle applies only within Sweden. Trafikförsäkring applies worldwide under the Traffic Damage Act for accidents involving a Swedish-registered vehicle that affect a Swedish citizen or resident.
Anti-theft requirements
The vehicle must be locked with an approved anti-theft device recommended by the Swedish Anti-Theft Association (SSF) whenever it is left unattended, with specific lock types required per vehicle category, and keys must be kept safely and never left in or near the vehicle. If the vehicle's market value exceeds SEK 1,000,000, or it stays outside the EEA, UK or Switzerland, an SSF-1073-approved tracker with an activated alarm-centre connection is required, otherwise compensation is reduced by 50%.
Claim notification deadline
A claim must be reported to Dina Försäkringar without delay ('utan dröjsmål'); failing to do so, or to provide the required documentation, can reduce the settlement. The general limitation period is 10 years from the event giving rise to the claim, with at least 6 months to bring legal action after a final decision has been given.
Deductible rules
If a single property claim can be settled under several parts of the policy, or under several Dina Försäkringar policies, only the single highest base deductible ('grundsjälvrisk') is applied; this rule does not apply to the liability, traffic (MTPL), legal-expenses, or glass deductibles, which are always charged separately. A vandalism claim under vagnskada is capped at a SEK 2,000 deductible, and drivers under 24 trigger an extra SEK 1,000 youth deductible.
Where to buy
Policy specifics
Half insurance (Halfkasko) coverage
Coverage for specific events not caused by traffic accident (fire, theft, broken glass, machine damage, animal collision)
SourceFull insurance (Fullkasko) coverage
Coverage includes both half insurance benefits plus traffic accident damage (collision damage, wagon damage, accident damage)
SourceExtended protection for half/full insurance
Additional coverage for loss of car keys, misfueling, and sudden or unexpected interior damage
SourceMachine damage (mechanical failure)
Coverage for unexpected mechanical or technical failure of vehicle components
SourceAnimal collision insurance (optional add-on)
Optional coverage for damage caused by collision with wild or domestic animals
SourceRental car insurance (optional add-on)
Optional coverage for rental car costs during vehicle repair period
SourceYouth deductible (under 24 years)
Additional deductible of 1000 SEK applies if driver was under 24 years old when damage occurred
SourceCoverage for stored/parked vehicles
Insurance automatically converts to stored vehicle insurance when vehicle is deregistered from traffic registry
Source