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

Covers damage to the policyholder's own vehicle caused by a traffic accident, another accidental event, or intentional damage by a third party. Settlement is based on the vehicle's market value immediately before the loss. Only included in Helförsäkring (comprehensive) tiers, not in Halvförsäkring.

If repair is assessed as not economical, Gjensidige pays compensation equal to the vehicle's market value immediately before the loss, as part of the Vagnskada (own-damage) component included only in Helförsäkring.

If repair is worthwhile, Gjensidige decides how and by whom the vehicle is repaired and pays the repair cost, as part of the Vagnskada component included only in Helförsäkring.

Covers theft, unauthorized taking of the vehicle (tillgrepp), and attempted theft/tillgrepp. Compensation is normally paid within one month after required documents are submitted. Included from Halvförsäkring upward (all four casco tiers).

Covers windscreen, side or rear window cracking, penetration or shattering. Excludes damage from collision, rollover or driving off the road, malicious damage, and wear. Included from Halvförsäkring upward. A reduced deductible applies if a stone-chip is repaired via an approved repairer (e.g. Ryds Bilglas) instead of replacing the glass.

There is no separate natural-perils (storm/flood/hail) moment, but damage to the vehicle caused by such events through an accidental event outside the vehicle is covered under the Vagnskada (own-damage) component, which is included only in Helförsäkring.

Intentional damage by a third party to the insured's own vehicle is covered under the Vagnskada component, which is only included in Helförsäkring. A separate optional add-on ('Skadegörelse') can instead reduce the deductible on such damage (max 6,000 kr reimbursement, applicable if repair cost exceeds 1,000 kr) for customers without full Vagnskada cover, and can be added to Halv- or Helförsäkring.

Covers towing to a designated workshop, on-site repair, tyre change on puncture, fuel delivery, lock opening, and transport to the nearest charging station for EVs with a flat drive battery, plus travel/transport home for driver and passengers in specified situations. Included from Halvförsäkring upward, with no deductible.

Pays 75% of the daily/km cost of a comparable rental car (or 150 kr/day cash alternative) while the vehicle is unusable after a covered fire, glass, theft, all-risk, own-damage or machine-damage claim, for up to 75 days. Included automatically in the Pluspaketet Halv- and Helförsäkring tiers; available only as a paid add-on ('Tillägg') on the standard Halv- and Helförsäkring tiers.