Hedvig Casco (own-damage car insurance) (Casco Halvforsakring Helforsakring)

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 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 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.

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.

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.

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 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).

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.

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.