Gjensidige Forsikring ASA, Norway, Swedish Branch

Driver age and experience limit

No explicit minimum driver age is stated for casco cover. However, if the policyholder gives an incorrect age for the regular driver, compensation is normally reduced by at least 10%, minimum 1,000 kr.

Repair network requirements

Gjensidige decides whether the vehicle is repaired and by whom; at most contracted workshops, claims can be settled via photo inspection instead of a physical inspection.

Territorial scope

Casco cover (theft, fire, glass, machine, all-risk, rescue, own-damage) applies in Green Card countries and during transport between them; it does not apply on closed racetracks. Traffic (MTPL) cover applies worldwide under the Traffic Damage Act for Swedish-registered vehicles causing injury to Swedish citizens/residents. Cover generally lapses if the vehicle has been abroad for more than 182 consecutive days.

Anti-theft requirements

When left unattended, the vehicle must be locked with an approved anti-theft device; the key must not be kept in or immediately next to the vehicle. Detached parts/accessories must be locked away; caravans/trailers must use an approved hitch lock, and vehicles with market value over 1 million kr require an activated tracker approved by the Swedish Anti-Theft Association.

Claim notification deadline

Claims must be reported as soon as possible; theft, vandalism and wildlife-collision claims must also be reported to the police. Legal action must generally be brought within 10 years of the loss event, or within 6 months of Gjensidige's final decision if the claim was reported in time.

Deductible rules

The base deductible is normally 1,500 kr, but varies by insurance component: Traffic 1,000 kr (10% of the price base amount for certain traffic offences); Fire 1,800 kr; Theft 1,800 kr; Glass: 200 kr for stone-chip repair, 1,800 kr for full replacement; Machine: 1,500 kr (0–6,000 mil driven) or 3,000 kr (6,001–12,000 mil); All-risk 1,500 kr; Rescue 1,500 kr; Crisis assistance: no deductible; Legal protection: 20% of cost, minimum 1,500 kr; Own-damage (Vagnskada) 4,000 kr.

Machine damage insurance

Covers damage to the engine or drivetrain; included in half and full insurance; applies up to vehicle age of 10 years or 12,000 miles driven

All-risk insurance

Optional coverage for accidental damage such as lost keys, wrong fuel, or spilled contents; maximum 50,000 SEK; applies until vehicle is 15 years old

Legal aid insurance

Optional legal assistance coverage; maximum 400,000 SEK; applies to driver and vehicle user

Crisis therapy insurance

Crisis psychology support included in traffic insurance regardless of coverage level; maximum 10 treatment sessions

Agreement workshop network

Repairs at insurer's contracted workshops qualify for 8-year warranty on parts and labor; warranty continues if policyholder switches insurers or sells vehicle

Stone chip glass repair

Glass stone chip repair available through partner (Ryds Bilglas) for fixed cost of 200 SEK instead of full replacement

Basic deductible

Standard deductible is normally 1,500 SEK; varies by insurance component and type of loss event

Real owner requirement

Insurance only covers if policyholder is the true owner and main user of the vehicle; can result in claim denial if requirement not met despite being registered owner

Geographic scope of coverage

Coverage applies in Green Card countries and during transport between them; traffic insurance applies worldwide for Swedish-registered vehicle damage to Swedish citizens or residents