evoli AB

Driver age and experience limit

Drivers must hold the required licence and meet the required age for the vehicle. If the driver was under 24 years old at the time of loss and the policyholder had stated the car would not be used by drivers under 24, a special excess of 10% of the price base amount applies to MTPL and Vagnskada claims, unless the optional 'Förare under 24 år' add-on has been purchased to remove this extra excess.

Repair network requirements

The insurer decides who performs the repair and where replacement parts are sourced; used equivalent parts must be used when available. Extra repair costs incurred because the insurer's instructions on purchase point or means of transport were not followed are not reimbursed, nor is the cost of paintwork not matching the vehicle's original factory finish.

Territorial scope

Cover (excl. MTPL) applies in Green Card countries and during transport between them, excluding Iran, Morocco and Tunisia, and excluding race tracks. MTPL applies worldwide under the Traffic Damage Act. Theft cover in a list of Eastern European countries requires an approved immobilizer.

Anti-theft requirements

The vehicle must be locked with an approved anti-theft device when left unattended; keys must not be stored in or immediately near the vehicle. For theft abroad in specified Eastern European/Baltic/Balkan countries, an approved electronic immobilizer is mandatory, otherwise no compensation is paid.

Claim notification deadline

Claims must be reported as soon as possible. Theft, vandalism and collisions with wild or domestic animals must also be reported to the police. Loss of the vehicle through theft is compensated only if it is not recovered within one month of the police report.

Deductible rules

Base deductibles depend on the chosen level (Premium or Normal), shown on the policy schedule, e.g. Trafik 1,000/2,000 SEK, Stöld 1,500/4,000 SEK, Brand 1,500/4,000 SEK, Bärgning 1,500/2,000 SEK, Motor 1,500-4,000/4,000-8,000 SEK, Glass replacement 1,500 SEK or 40% (min 2,000 SEK), Rättsskydd 25% of cost, Vagnskada 4,000/6,000/9,000/18,000 SEK (customer-selected). The higher Motor deductible tier applies to vehicles over 5 years old or driven more than 8,000 mil; directly imported vehicles get a further +5,000 SEK. Special deductibles: +1,000 SEK for traffic offences (e.g. driving without a valid licence, drink-driving), and 10% of the price base amount for drivers under 24 where declared not to drive the car.

Motor damage (engine damage)

Coverage for damage to motor, fuel system, climate control and brake servo

Rental car coverage

Compensation for daily rate and mileage costs for rental cars if the insured vehicle requires repairs from covered damage

Animal collision deductible reduction

Optional add-on that reduces deductible by up to 6000 SEK for collisions with animals such as deer

Young driver deductible removal

Optional add-on that removes the elevated 10% deductible (of base amount) for drivers under 25 years old

Bärgning Plus (extended roadside assistance add-on)

Optional add-on extending base towing cover to also include running out of fuel, punctures, and lost/locked-in/broken car keys, with no deductible. Includes a rental car for up to 3 days if a breakdown repair takes longer than one hour. Limited to a maximum of three events per insurance year.

Customer-selected deductible

For full insurance (helförsäkring), customers have choice over deductible amount for motor damage claims, which directly affects premium pricing

Vehicle age-based deductible escalation

For vehicles older than 5 years or with mileage exceeding 8000 mil (approximately 80,000 km), the higher of two deductible options applies

Glass damage deductible cap

For glass replacement costs below 5000 SEK, the deductible is fixed at 2000 SEK regardless of selected deductible level

Policyholder ownership and usage requirement

The person who owns the vehicle and is the primary user must be listed on the policy. Vehicle owner cannot purchase insurance on behalf of another person

Contract term and cancellation rights

Insurance policy has a one-year term. Customer can cancel at contract end date without binding period. Can also cancel immediately if insurance need ceases during contract period

Vehicle lock requirement for theft coverage

The vehicle must be locked for theft coverage to apply in certain situations; for items with high item values (e.g., audio/navigation equipment) there are specific amount limitations of 25000 SEK