Care of Fido AB (trading as Gofido)
Gofido
Gofido is a motor casco insurance for the Sweden market with online purchase and limited assistance availability.
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
Geographic scope
Sweden, and internationally in countries connected to the Green Card system
Valid in Green Card countries and while the vehicle is transported between such countries; the MTPL element applies worldwide for Swedish citizens/residents involved in traffic with a Swedish-registered vehicle under the Traffic Damage Act
Unique selling points
- 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
Coverage limits
Own damage (Vagnskada)
Covered
Only in Helförsäkring
Covers damage to the insured vehicle from traffic accidents, intentional damage by a third party, or other sudden external events; valuation is based on the vehicle's market value immediately before the damage, no fixed sum insured cap is stated
Total loss
Covered
Only in Helförsäkring
Settled at market value under Vagnskada; a new-value (nyvärde) replacement applies conditionally if the insured is the sole owner since first registration, the damage occurs within the first year, mileage does not exceed 2,000 mil, and reasonable repair cost exceeds 50% of the purchase price
Partial loss / repair
Covered
Only in Helförsäkring
Repairs use equivalent used parts where available; no separate sum insured cap is stated, settlement follows the general valuation rules (market value basis)
Theft, robbery
Covered
Only in Halvförsäkring, Helförsäkring
Covers theft, robbery/hijacking and attempts thereof; sub-limits apply: fixed audio/video equipment 20,000 kr, factory-fitted audio/video equipment unlimited, wheels/rims 30,000 kr; an extra deductible of 6,000 kr applies if the vehicle was not locked with the ignition lock
Glass damage
Covered
Only in Halvförsäkring, Helförsäkring
Covers cracked, holed or shattered windscreen, side or rear windows; a lower deductible applies for repair (max 3 repairs per insurance year, thereafter 200 kr per repair), a higher deductible applies for replacement; intentional third-party damage is excluded from this moment
Natural perils
Covered
Only in Halvförsäkring, Helförsäkring
Lightning strike, fire that has come loose, and explosion are covered under the Brand (fire) moment; other sudden external events are covered under Vagnskada; no dedicated named 'natural perils' moment or sum insured cap exists
Vandalism
Covered
Only in Helförsäkring
Intentional damage by a third party to the vehicle body is explicitly covered under Vagnskada; however, intentional third-party damage to glass is explicitly excluded under the Glass moment
Recovery/towing (Räddning/bärgning)
Covered
Only in Halvförsäkring, Helförsäkring
Core Delkasko moment covering transport home to Sweden for driver/passengers and transport to the nearest workshop in case of theft, damage, breakdown, sudden illness or accident during a journey; no fixed sum insured cap stated. A separate paid 'Assistans' add-on with roadside repair-on-site cover exists (see product_specific_constraints)
Rental car (Hyrbil)
Optional
Only in Tilläggsförsäkring
Optional add-on for vehicles under 16 years old: reimburses 75% of the daily/km cost of an equivalent rental car during a reasonable repair period, or alternatively 100 kr/day cash if no rental is used; capped at 45 days; deductible of 25% of daily/km cost applies
Traffic accident personal injury (Trafikolycksfall)
SEK 600,000
Only in Tilläggsförsäkring
Optional add-on paying compensation for medical invalidity resulting from a traffic accident with the insured vehicle, for driver and passengers; sum insured at 100% medical invalidity is 600,000 kr, reduced 2.5% per year of age above 45 at the time of the accident
Key conditions
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)
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
Territorial scope
Valid in Green Card system countries and during transport between them; MTPL applies worldwide for Swedish citizens/residents involved in traffic with a Swedish-registered vehicle
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
Where to buy
Policy specifics
Allrisk accidental damage
Covers accidental damage such as lost car keys, spilled liquids, or interior damage
SourceAnimal collision deductible reduction
Reduces or eliminates deductible when collision involves large animals
SourceRoad assistance
24/7 roadside assistance for breakdowns, punctures, engine failure, fuel shortage etc.
SourceTraffic accident personal injury
Covers personal injury to driver and passengers in connection with traffic accident
SourceMachinery and electronics damage
Covers mechanical and electronic component damage, particularly important for electric vehicles
SourceCustomizable deductible
Policyholders can adjust deductible levels to customize their coverage and premium
SourceFully digital claims process
Claims can be reported entirely online via website or app without phone contact
SourceEir Försäkring as underwriter
Eir Försäkring AB is the licensed insurance company underwriting the risk; Gofido is a broker
Source