Folksam Casco (own-damage car insurance) (Bilforsakring)
Underwritten by Folksam · Sweden
casco (own-damage car insurance) from Folksam for the Sweden market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2026-07-01Sources
Unique selling points
Folksam Assistans guarantees roadside help within 1 hour in Sweden and within 4 hours abroad, any time, day or night.
No excess applies to own-damage claims for collisions with animals or with a known vehicle abroad.
If your car breaks down abroad, Folksam covers 100% of the rental car cost instead of the usual 75% charged in Sweden.
Cars written off within two years and under 4,000 mil are replaced with an equivalent brand-new vehicle instead of just being paid out at market value.
As a customer-owned mutual insurer, Folksam can pay policyholders återbäring (profit-sharing) on eligible private policies.
Coverage limits
Own damage insurance (Vagnskadeförsäkring)
Conditional
Covers damage to the insured car or light truck caused by a traffic accident, another external accidental event (e.g. collision, rollover, driving off the road, snow avalanche, falling objects, ferry/train transport damage), or intentional damage by an outsider. Compensation is based on market value immediately before the loss, or new-vehicle replacement if the conditions in point 55 are met. Included only in Helförsäkring and Helförsäkring Stor, not in Halvförsäkring.
Total loss settlement
Conditional
If repair is not economical relative to market value, or a stolen vehicle is not recovered, the vehicle is valued at market value including equipment. New-vehicle replacement (nyvärdesersättning) applies instead if the vehicle is series-produced, covered by manufacturer/importer warranties, has been owned continuously since first registration, the loss occurred within 2 years and under 4,000 mil, and repair cost exceeds 50% (within 1 year/2,000 mil) or 80% (within 2 years/4,000 mil) of the new price.
Partial damage repair
Conditional
Partial damage under own-damage cover is repaired at a Folksam-approved, environmentally certified workshop using original used parts where possible, or settled in cash at Folksam's discretion, subject to the applicable deductible.
Theft insurance (Stöldförsäkring)
Covered
Covers theft or attempted theft/unlawful taking of the vehicle, including damage from intentional vandalism connected to such an event. If the vehicle is not recovered within one month of reporting the theft, a total-loss payment is made. Vehicles valued at SEK 1,000,000 or more must carry an SSF 1073-approved tracking device, or compensation is reduced by 25%.
Glass insurance (Glasruteförsäkring)
Covered
Covers damage to the windscreen, side windows, or rear window that is pierced, cracked, or shattered, including stone-chip damage. Glass roof/sunroof and headlight glass are excluded. Under Halvförsäkring, glass damage from an animal collision is also covered. The applicable deductible is stated in the insurance certificate.
Weather and nature events
Conditional
Weather- and nature-related events such as snow avalanches and falling objects (e.g. trees) are covered as examples of 'other external accidental events' under own-damage (vagnskada) cover, not as a separate line item. Damage caused by rust, corrosion, frost, or damp is explicitly excluded unless it is a direct result of a covered accidental event.
Malicious damage (Uppsåtlig skadegörelse)
Conditional
If the vehicle is damaged by intentional vandalism by an outsider, Folksam pays half of the own-damage deductible for vehicles with own-damage cover, plus the portion of the vagnskadegaranti deductible exceeding SEK 3,500. Vandalism connected to theft or attempted theft is covered under the theft cover instead.
Rescue cover and Folksam Assistans
Covered
Räddningsförsäkring (rescue cover) is included in Halvförsäkring, Halvförsäkring Stor, Helförsäkring and Helförsäkring Stor, paying for necessary rescue/return transport of people and the vehicle after breakdown, theft, or accident (phone-call costs to Folksam's alarm centre up to SEK 500). Folksam Assistans (roadside repair, towing, lockout help, rental car/hotel) is included automatically only in Bilförsäkring Stor and Lätt lastbilsförsäkring Stor, and is an optional add-on for the other tiers. Response time: within 1 hour in Sweden, within 4 hours abroad.
Rental car cover (Hyrbilsförsäkring)
Conditional
Included automatically in Bilförsäkring Stor and Lätt lastbilsförsäkring Stor; optional add-on to Halvförsäkring/Helförsäkring otherwise. Pays 75% of the daily and mileage cost of a similarly sized rental vehicle (100% for losses abroad) for up to 65 days, or SEK 200/day as alternative compensation. For machine/electronics or glass damage claims, cover is capped at 7 days, max twice per year. Excess reduction on the rental car's own deductible is capped at SEK 10,000 when using Folksam's designated rental partner.
Driver/passenger accident cover
No limit stated
The general motor terms do not include a dedicated driver/passenger accident indemnity benefit. The closest related benefit is 'Kristerapi' (crisis therapy): up to 10 sessions with a psychologist/psychotherapist plus up to SEK 4,000 in travel/interpreter costs, with no deductible, for anyone in the car who suffers psychological harm as a direct result of a covered loss event.
Key conditions
Driver age and experience limit
Drivers under 24 face higher deductibles: SEK 1,000 extra on the motor liability deductible and SEK 1,000 extra on the own-damage (vagnskada) deductible if the driver was under 24 at the time of the loss (does not apply to animal collisions or collisions with a known vehicle abroad; only one youth deductible is applied per event).
Repair network requirements
Repairs must be pre-approved by Folksam, which decides where and how the vehicle is repaired, directing customers to an environmentally approved repair shop and prioritising original used parts and plastic-part repair where possible. The right to compensation cannot be assigned to a workshop or repairer without Folksam's consent.
Anti-theft requirements
The vehicle must be locked with a steering or gear lock when left unattended, and the key kept secure and not left in or near the vehicle. Vehicles valued at SEK 1,000,000 or more must be fitted with an SSF 1073-approved tracking device; compensation is reduced by 25% if a required tracker is missing or inactive at the time of theft.
Claim notification deadline
Report claims to Folksam as soon as possible. Theft, unlawful taking, vandalism, or damage caused by an unknown vehicle must be reported to the police in the country where the event occurred, with a copy provided on request. Right to compensation is generally lost if legal action is not brought within 10 years of the event, though at least six months remain after Folksam's final decision on a claim made within that period.
Deductible rules
Deductibles are set out in the insurance certificate and vary by cover section; only the highest applicable deductible is deducted if a single loss triggers multiple sections. Extra deductibles apply for drivers under 24 (SEK 1,000), non-compliant tyres (25% surcharge on top of the base deductible), and lost/uncoded keys on stolen vehicles (25%, minimum SEK 5,000). No deductible applies for animal collisions, collisions with a known vehicle abroad, crisis therapy, or hire-car cover. Legal protection deductible is 20% of the cost, minimum SEK 1,800.
Direct payment
Folksam decides whether a claim is settled in cash or by repair, and directs the choice of repair shop and repair method, prioritising environmentally approved workshops; it may pay a repairer directly. The right to insurance compensation cannot be transferred to a third party (e.g. a workshop) without Folksam's consent.
Territorial scope
Valid in EEA countries and other countries connected to the Green Card system, including transport between these countries. Motor liability (Trafikförsäkring) always applies worldwide under the Traffic Damage Act for damage caused by a Swedish-registered vehicle to a Swedish citizen or resident. Lay-up insurance (Avställningsförsäkring) is valid only in Sweden.
Exclusions
Commercial use exclusion
Insurance does not cover vehicles used for taxi services, professional car rental, or commercial goods transportation. These are specifically excluded from coverage.
SourceDocuments
Policy specifics
Glass coverage
Covers broken or cracked windows, including those caused by stone chips. Repair has no deductible; replacement has a standard deductible of up to SEK 1,800 for a privately owned car.
SourceSection: I halvförsäkringens skydd ingår > Jämför bilförsäkring
Försäkringen täcker vindruta, sidoruta, bakruta eller siktruta som spräckts eller krossas, till exempel på grund av stenskott. Självrisk: Privatägd personbil 1 800 kronor.
Theft coverage
Covers theft or attempted theft of the vehicle. Included in both half and comprehensive insurance.
SourceSection: I halvförsäkringens skydd ingår > Jämför bilförsäkring
Du får ersättning om ditt fordon skadas vid stöld eller stöldförsök. Blir fordonet stulet får du ersättning om det inte kommit till rätta inom en månad.
Fire coverage
Covers damage caused by fire, lightning strike, or explosion. No deductible applies for total loss fire damage.
SourceSection: I halvförsäkringens skydd ingår > Jämför bilförsäkring
Bilförsäkringen täcker skador som orsakats av brand, blixtnedslag eller explosion (punkterat däck räknas inte som explosion).
Legal protection
Provides coverage for legal costs and legal representation in case of disputes related to the vehicle insurance.
SourceSection: I halvförsäkringens skydd ingår > Jämför bilförsäkring
Ägaren, eller föraren, kan få ersättning för advokat- och rättegångskostnader om tvister uppstår vid till exempel trafikskada, köp, försäljning eller reparation.
Own damage insurance
Covers damage to the insured vehicle from traffic accidents, other external accidental events, or intentional third-party damage; settled at market value or, for near-new vehicles, with new-vehicle replacement. Included only in Helförsäkring and Helförsäkring Stor, not Halvförsäkring.
SourceEngine and electronics damage coverage
Covers unexpected mechanical and electronic component failures for cars up to 8 years old and driven no more than 15,000 mil (150,000 km), extended to 10 years in Bilförsäkring Stor; EV/hybrid batteries and drive motors are covered up to 20,000 mil (200,000 km). Light trucks are covered up to 10 years/15,000 mil.
SourceRental car cover limits
Rental car cover (included in Bilförsäkring Stor / Lätt lastbilsförsäkring Stor, optional add-on otherwise) pays 75% of the daily/mileage cost for up to 65 days (100% abroad), or SEK 200/day as alternative compensation; excess reduction on the rental car's own deductible is capped at SEK 10,000.
SourceApproved repair network
Glass repairs must be conducted through approved glass repair providers (Ryds Bilglas, Carglass, or other approved workshops). Using approved repairers ensures no deductible for glass repairs.
SourceSection: Jag har fått ett stenskott – vad ska jag göra?
Om du har fått en spricka eller ett stenskott i vindrutan bokar du tid för reparation direkt hos Ryds Bilglas eller Carglass. Finns de inte på din ort kan du hitta en verkstad nära dig via länken nedan.
Vehicle age and mileage limits for machine damage coverage
Machine damage (maskinskadeförsäkring) coverage applies to vehicles up to 8 years old or 15,000 mil (approximately 150,000 km), extended to 10 years for Bilförsäkring Stor. Coverage terminates beyond these thresholds.
SourceSection: Hur länge gäller maskinskadeförsäkringen?
I vår bilförsäkring gäller maskinskadeförsäkringen ända upp till 15 000 mil och till att bilen är max 8 år. Om du väljer du Bilförsäkring Stor förlänger du åldersgränsen till max 10 år. När någon av gränserna överskrids upphör maskinskadeförsäkringen att gälla.
Key loss coverage
Covers lost or damaged car keys and remote locking systems. Maximum compensation is 25,000 SEK per insurance year. Includes key recoding/decoding costs.
SourceInternational coverage scope
Insurance covers EEA countries and countries connected to the green card system, including transportation between these countries. Coverage applies in accordance with international motor insurance agreements.
SourceWrong fuel coverage
Covers costs for towing to a workshop and cleaning/draining of fuel system when wrong fuel is used. Folksam Bilförsäkring Stor includes coverage for wrong fuel incidents.
SourceSection: Täcker maskinskadeförsäkringen feltankning?
Om du har tankat fel bränsle i din bil och har vår Bilförsäkring Stor ersätter vi dig för bärgning till verkstad och kostnaden för att tömma och göra rent tanken, ledningar och filter.
Tracker requirement for high-value vehicles
For vehicles valued at SEK 1,000,000 or more, an SSF Stöldskyddsföreningen norm 1073-approved tracker is required; if missing or inactive at the time of theft, compensation is reduced by 25% (never below the value threshold amount).
SourceCap for vehicles over 30 years old
For cars and light trucks older than 30 years, the maximum compensation under the property cover (egendomsskydd), after deducting the excess, is SEK 300,000.
SourceSources
Folksam Casco (own-damage car insurance)