Gofido Casco (own-damage car insurance) (Bilforsakring Helforsakring)

No binding period — the policy can be cancelled at any time, with at most one month's notice on monthly billing

Build-your-own coverage: customers choose the level (trafik/halv/hel) and deductible for each moment, avoiding paying for cover they don't need

Fully digital sign-up and claims handling through the website or app, with no need for phone contact

The policy is automatically converted to an off-road (avställnings) insurance the moment Transportstyrelsen registers the vehicle as taken off the road, with no action needed from the customer

Driver age and experience limit

No strict age exclusion, but a special deductible (ungdomssjälvrisk) of 10% of the price base amount applies on MTPL if the driver is under 25, and Vagnskada applies with double deductible if the driver is under 25 (waived if the registered owner drives or a driver under 25 was declared at inception)

Section: 6 Vagnskada > Särskild självrisk, Ungdomssjälvrisk

Vagnskadeförsäkringen gäller med dubbel självrisk om föraren är under 25 år vid skadehändelsen. Ungdomssjälvrisken tas inte ut vid skada om det är den registrerade ägaren till fordonet eller om man angett att förare under 25 år kommer framföra fordonet vid tecknande av försäkring.

Repair network requirements

No mandatory repair network is specified; the policyholder must always contact the insurer before repair, replacement or use of the rental car add-on begins, and must act as the commissioning party to keep consumer protection benefits

Anti-theft requirements

The car must be locked and the key must not be stored/hidden near the vehicle; keys must not be marked with personal data or registration number; an extra deductible of 6,000 kr applies if the vehicle was not locked with the ignition lock at the time of theft

Claim notification deadline

Claims must be reported to the insurer without delay; for theft, compensation is only paid if the vehicle has not been recovered within 30 days of the police report and the claim notification

Deductible rules

Only the highest single deductible applies if a claim affects multiple moments (MTPL deductible added separately); glass repair uses a lower deductible (max 3 times/year, then 200 kr/repair) while replacement uses a higher one; Maskinskada deductible is lower under 6,000 mil and higher above; Rättsskydd deductible is 20% of costs, minimum 2,000 kr; a 6,000 kr lock deductible applies for unlocked-vehicle theft; Vagnskada deductible doubles for drivers under 25; Assistans and Kristerapi apply with no deductible

Direct payment

The insurer decides whether a damaged/stolen vehicle is repaired, replaced with equivalent property, or compensated in cash; if repaired, the policyholder must act as the commissioning party to benefit from consumer protection legislation