Hedvig Försäkring AB
Hedvig
Hedvig is a motor casco insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Hedvig handles the contact directly with the repair workshop chosen by the customer (including partners such as Carglass and Ryds Bilglas), so the member does not need to arrange payment upfront for approved repair work.
Geographic scope
Sweden (nationwide)
Valid in all countries connected to the Green Card cooperation, and while the vehicle is transported between countries where it is valid; the traffic (MTPL) part always applies worldwide for Swedish citizens/residents injured in traffic with a Swedish-registered vehicle; the vehicle may not have been abroad for more than 182 days within a 12-month period when a claim occurs; the lay-up (avställning) insurance is valid only in Sweden.
Unique selling points
- No binding period on the car insurance — cancel anytime via the app and only pay up to the cancellation date.
- Free stone-chip windscreen repair with zero deductible; a deductible only applies if the window needs full replacement.
- 24/7 roadside assistance provided in cooperation with Assistancekåren.
- Free choice of repair workshop, including partners like Carglass and Ryds Bilglas, with Hedvig managing all contact with the workshop.
- 15% multi-policy discount when combining car insurance with home and/or pet insurance from Hedvig.
Coverage limits
Own damage (collision damage / vagnskada)
Conditional
Damage to the insured vehicle caused by a traffic accident, collision with an animal, malicious damage by a third party, or another sudden external accidental event, plus damage while the vehicle is transported on another means of transport, is covered under the Vagnskada module. Vagnskada is only included in Helförsäkring; Halvförsäkring (Delkasko) does not include this module. Deductible is 5,000 SEK.
Total loss
Conditional
Total loss caused by theft not recovered within 30 days, or by fire, is compensated under Halvförsäkring and Helförsäkring alike (Stöld/Brand modules). Total loss caused by collision or other Vagnskada perils is only compensated under Helförsäkring. Valuation is based on the vehicle's market value immediately before the loss; new-value replacement may apply only if the vehicle has a single owner since first registration, the damage occurred within the first year and under 2,000 mil, and repair cost exceeds 50% of the new purchase price.
Partial loss / repair costs
Conditional
Partial damage such as sheet-metal and paint damage after a collision is only compensated under Helförsäkring's Vagnskada module (deductible 5,000 SEK). Partial damage arising from fire, theft, glass breakage or machine damage is compensated under both Halvförsäkring and Helförsäkring via their respective modules.
Theft, taking without consent and robbery
Covered
Damage due to theft, unlawful taking or robbery, and attempts thereof plus related vandalism, is included in both Halvförsäkring and Helförsäkring. Sub-limits apply to accessories: fixed audio/video equipment 30,000 SEK, dismounted vehicle parts (excl. wheels/rims) 10,000 SEK, wheels/rims 40,000 SEK (max 4 tyres); factory-fitted audio/video equipment has no limit. Deductible is 2,000 SEK, plus an extra 6,000 SEK if the vehicle was not locked.
Glass damage
Covered
Cracked, pierced or shattered windscreen, side or rear window is included in both Halvförsäkring and Helförsäkring. Stone-chip repairs are covered without a deductible; if the window must be replaced, the deductible is 2,000 SEK. Damage to headlight glass, roof glass or similar, and vandalism by a third party, are excluded from this module.
Natural perils (lightning, falling objects, storm)
Conditional
There is no dedicated natural-perils module. Lightning strike is compensated under the Brand (fire) module in both Halvförsäkring and Helförsäkring (deductible 2,000 SEK). Damage from other sudden external events such as a falling tree is compensated only under the Vagnskada module in Helförsäkring (deductible 5,000 SEK); this is not covered under Halvförsäkring alone.
Vandalism / malicious damage by others
Conditional
Vandalism committed in connection with theft or attempted theft is covered under the Stöld module in both Halvförsäkring and Helförsäkring. General intentional damage by a third party unrelated to theft is explicitly excluded from the Glass module, and is only compensated under the Vagnskada module, which is exclusive to Helförsäkring (deductible 5,000 SEK).
Roadside assistance / towing
Covered
Included in both Halvförsäkring and Helförsäkring. Covers home transport of driver/passengers, towing to the nearest repair shop, transport of new fuel when out of fuel, and charging assistance or towing to the nearest charging point for a discharged battery, available 24/7 in cooperation with Assistancekåren. Deductible is 1,750 SEK, which can be reduced to zero via the optional Självriskreducering add-on.
Replacement vehicle (Hyrbil add-on)
Optional
Available as the optional Hyrbil add-on for vehicles that are at least Halvförsäkrade. Covers 75% of the daily/km cost of a similarly sized rental car during a reasonable repair period after an eligible fire, glass, theft, vagnskada or maskinskada claim (customer pays 25%), or alternatively a flat 250 SEK/day if no rental is used. Cover is capped at 45 days and a maximum of three claim events per insurance year.
Driver/passenger personal accident cover
No limit stated
There is no dedicated personal-accident module in this motor T&C. Kristerapi provides up to 10 sessions of crisis therapy with a licensed psychologist after a traffic accident or robbery, but this is psychological crisis support, not a personal-accident indemnity. Bodily injury to occupants is instead handled under the mandatory Trafikförsäkring (MTPL) per the Traffic Damage Act.
Key conditions
Driver age and experience limit
Unlike many other insurers, Hedvig does not apply a doubled/higher deductible for drivers under 25 years of age.
Repair network requirements
There is no closed workshop network requirement; the member can choose any repair shop, including partners such as Carglass and Ryds Bilglas, and Hedvig manages the contact with the chosen workshop.
Territorial scope
Valid in Green Card cooperation countries and during transport between them; the vehicle may not have been abroad for more than 182 days within a 12-month period; the lay-up (avställning) variant is valid only in Sweden.
Anti-theft requirements
The vehicle must be locked when left unattended and the key must be carried with the driver and stored securely, not near the vehicle; equipment must be locked inside the vehicle or permanently fitted. Failure to lock the vehicle adds an extra 6,000 SEK deductible on top of the base deductible for theft claims.
Claim notification deadline
Claims must be reported without delay. For theft, vandalism or robbery a police report must be filed at the place where the loss occurred. For theft specifically, compensation is paid once the claim is otherwise valid and the vehicle has NOT been recovered within 30 days of the police report and the report to the insurer.
Deductible rules
Base deductibles: Trafik 1,500 SEK (plus 10% of the price base amount if the driver lacked a valid licence or drove under the influence); Brand 2,000 SEK; Glass 0 SEK for repair / 2,000 SEK for replacement; Stöld 2,000 SEK (+6,000 SEK if unlocked); Maskinskada 5,000 SEK under 8,000 mil / 8,000 SEK from 8,000-12,000 mil; Räddning/bärgning 1,750 SEK; Rättsskydd 20% of costs, minimum 2,000 SEK; Kristerapi no deductible; Vagnskada (Helförsäkring only) 5,000 SEK. If several deductibles apply to the same claim event, only the highest is charged.
Where to buy
Policy specifics
Collision damage (vagnskada)
Damage to the insured vehicle caused by collision in traffic accidents
SourceIntentional damage (vandalism by others)
Damage to vehicle caused by intentional acts of another person
SourceMachine damage (maskinskada)
Coverage for sudden defects and damage to engine, generator, electrical components affecting vehicle function for vehicles up to 8 years or 12,000 miles
SourceWindscreen damage (stenskott)
Stone chip repairs with zero deductible; window replacement with 2,000 SEK deductible
SourceMachine damage age and mileage restrictions
Machine damage (maskinskada) coverage applies only to vehicles younger than 8 years old or with less than 12,000 miles driven, whichever comes first
SourceVehicle must be locked
Vehicle must be locked and keys must be carried when vehicle is left unattended as a condition of coverage
SourceTheft claim requirement (30-day rule)
Vehicle must be recovered within 30 days from police report and insurance claim filing for theft claim to be valid
SourceFreedom to choose repair shop
Policyholders can choose any repair shop; Hedvig handles contact with the workshop
SourceNo deductible surcharge for drivers under 25
Hedvig does not apply higher deductibles for drivers under 25 years, unlike many other insurers
Source