evoli Casco (own-damage car insurance) (Bilforsakring)

Maximum compensation under the comprehensive (kasko) cover, excluding MTPL, is SEK 1,500,000 per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

In the event of a total loss, maximum compensation under the comprehensive (kasko) cover is SEK 1,500,000 per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

In the event of a partial loss, compensation is capped at the overall maximum for the comprehensive (kasko) cover, SEK 1,500,000, per the current terms; a higher sum insured may be stated on the policy schedule if agreed.

Included under Halvförsäkring. Covers theft, unauthorised taking of the vehicle, robbery, attempted theft, and intentional damage connected with such events. Loss of the vehicle is compensated if not recovered within one month of the police report. There is no separate limit stated for theft of the whole vehicle; it is covered up to the policy's overall casco sum insured. Sub-limits apply only to specific items: non-factory-fitted audio/navigation equipment is capped at 30,000 SEK (inkl. montering) for theft (a 25,000 SEK figure appears elsewhere in the T&C for the general equipment section), and non-manufacturer-supplied wheels are capped at 30,000 SEK, reduced to 25,000 SEK if wheel locks are not fitted. Lock replacement after key theft is not covered. Does not apply to theft by a household member or unlawful use (olovligt brukande).

Included under Halvförsäkring. Covers windscreen, side or rear window damaged/cracked/broken by a stone chip. Does not cover glass damage from collision, rollover, running off the road, or intentional third-party damage (handled instead under Vagnskada). Deductible: chip repair is always 0 SEK; glass replacement deductible is 40% of the cost (minimum 2,000 SEK) under Normal, or 1,500 SEK flat under Premium.

Fire, lightning strike, explosion and short-circuit damage to electrical cabling are included under Halvförsäkring (Brand section). Other weather/external events not caused by fire (e.g. falling trees, storm, running off the road due to weather) fall under Vagnskada 'other accidental event' and therefore require Helförsäkring. Excludes damage from cold, wetness, damp, rust or corrosion in all cases.

Intentional damage by a third party connected to a theft/robbery event is covered under Halvförsäkring (Stöld). General, standalone vandalism unconnected to theft is only covered under Vagnskada, requiring Helförsäkring.

Included under Halvförsäkring. Covers towing the vehicle to the nearest suitable workshop after an accident, breakdown or theft, plus transport home for driver/passengers/luggage if the driver is injured, suddenly ill, deceased, or the vehicle cannot be repaired in reasonable time. Reimbursement is capped at an amount corresponding to the vehicle's value. Does NOT cover breakdown due to running out of fuel, or costs the policyholder would have had anyway (e.g. fuel, ferry tickets). A separate optional add-on (Bärgning Plus) extends this to fuel shortage, punctures and lost/locked keys.

Optional add-on to Halv- or Helförsäkring. If the insured car is undrivable due to a covered event, compensation is 75% of the daily/mileage rental cost in Sweden or 100% if hired abroad, or a flat 150 SEK/day cash alternative instead of a rental car. Maximum 65 days regardless of where the damage occurred. Excludes delay caused by the policyholder, cases where MTPL immobilisation compensation is received, or when the car was deregistered/subject to a driving ban.