Dina Försäkringar Casco (own-damage car insurance) (Motorfordonsforsakring)

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).

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 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.

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.

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.

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.

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.

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.

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.