ICA Försäkring AB
ICA Försäkring
ICA Försäkring is a motor casco insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
ICA Försäkring decides whether a damaged vehicle is repaired, replaced with an equivalent vehicle, or settled in cash, and repairs must be pre-approved by the insurer using its directed workshops, parts and transport methods. The policyholder remains the formal customer ordering the repair (to preserve consumer-service-law rights) and is responsible for payment and for complaining about faulty work, though for financed or leased vehicles the insurer may pay compensation directly to the seller or owner.
Geographic scope
Sweden and countries connected to the Green Card system
Casco cover applies in Sweden and in countries connected to the Green Card system, and during transport between them. The vehicle may not have been outside Sweden for more than 182 consecutive days at the time of a claim, or casco cover ceases to apply.
Unique selling points
- Instead of a standard rental car, customers can choose an ICA gift-voucher cash alternative of up to 200 SEK per day while their car is being repaired.
- Zero deductible on collisions with animals as long as the repair cost exceeds 1,000 SEK.
- Allrisk cover for interior damage, wrong fuel and lost keys is included free of charge from Halvförsäkring upward, a feature many competitors sell as a paid add-on.
- The theft deductible is eliminated entirely if the car is fitted with an approved GPS tracking system linked to an alarm centre.
- Up to 600,000 SEK in medical-invalidity compensation and 10 crisis-therapy sessions are included at no extra cost in every tier, even the basic mandatory traffic-only policy.
Coverage limits
Own damage (vagnskada)
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
Covers collision damage, animal collisions, third-party vandalism, and other external accidental events (e.g. a falling tree) to the vehicle. Included as standard in Helförsäkring; can be added as an optional extension ("kan tecknas") to Halvförsäkring. Maximum compensation for the vehicle and its accessories is 1,500,000 SEK unless a higher amount is stated in the policy schedule, capped at 200,000 SEK for vehicles older than 30 years, and never exceeding market value immediately before the loss.
Total loss settlement
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
If repair is not economical relative to the vehicle's market value, or a stolen vehicle is not recovered, the vehicle plus insured equipment is settled at market value immediately before the loss, capped at 1,500,000 SEK (200,000 SEK for vehicles older than 30 years). Requires vagnskada/theft cover, included in Helförsäkring and available as an add-on to Halvförsäkring.
Partial (repairable) damage
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
Repairable damage to the vehicle is compensated under the same vagnskada cover as total loss, subject to the same 1,500,000 SEK ceiling (200,000 SEK for vehicles over 30 years) and the deductible chosen in the policy schedule. Included in Helförsäkring; optional add-on to Halvförsäkring.
Theft and robbery
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
Included under both Halvförsäkring and Helförsäkring: theft, attempted theft, tillgrepp (joyriding) and robbery of the vehicle, plus theft of accessories and equipment. Overall vehicle cap 1,500,000 SEK. Aftermarket (non-factory) audio/video/navigation equipment stolen is capped at 40,000 SEK, wheels without wheel locks at 40,000 SEK, and auxiliary lights at 10,000 SEK. No base deductible applies if the vehicle has an approved tracking system linked to an alarm centre.
Glass damage
Covered
Only in Halvförsäkring, Helförsäkring
Repair or replacement of windscreen, side, rear or sight glass that is pierced, cracked or shattered, included in both Halvförsäkring and Helförsäkring, with no stated monetary ceiling. A fixed deductible of 200 SEK applies to stone-chip (stenskott) repairs. Glass damage caused by collision or intentional vandalism is excluded from the glass cover under Halvförsäkring (it is instead only covered, if at all, via vagnskada under Helförsäkring).
Natural perils (fire, lightning, storm)
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
Fire, lightning strike and explosion damage are covered under Brand, included in both Halvförsäkring and Helförsäkring. Damage from other external/weather events, such as a tree falling on the car, is covered as vagnskada, included in Helförsäkring and available as an optional add-on to Halvförsäkring.
Vandalism / malicious damage
SEK 1,500,000
Only in Halvförsäkring, Helförsäkring
Intentional damage to the vehicle body by a third party is covered as vagnskada, included in Helförsäkring and available as an optional add-on to Halvförsäkring. The optional Självriskskydd add-on can reduce the deductible to 0 SEK for vandalism by an identified third party (repair cost must exceed 1,000 SEK), giving up to 6,000 SEK compensation toward a vagnskadegaranti deductible, or up to 3,500 SEK reimbursement if only Halvförsäkring without vagnskadegaranti applies.
Roadside assistance / towing
Covered
Only in Halvförsäkring, Helförsäkring
Towing to the nearest repair shop after a traffic accident, theft or other breakdown, plus return-travel costs for the driver, passengers and luggage, is included in both Halvförsäkring and Helförsäkring, capped at the vehicle's value at the time of transport. The optional Assistans add-on additionally covers on-the-spot help for fuel shortage, a flat tyre, locked/lost keys, or a discharged drive battery, and provides a replacement car (max 3 days) if the vehicle cannot be repaired within an hour; usable up to 3 times per year.
Replacement vehicle (Hyrbil)
Optional
Only in Halvförsäkring, Helförsäkring
Optional Hyrbil add-on to Halvförsäkring or Helförsäkring: reimburses 75% of the daily and mileage cost of a rental car (or a flat 100/200 SEK per day cash/ICA-voucher alternative) for up to 60 days while the insured car is repaired following a covered claim, reduced to 7 days if only machine or vagnskada cover outside the normal age/mileage limits applies. Any rental-car deductible above the customer's own deductible is covered up to 10,000 SEK when using ICA Försäkring's designated rental company.
Traffic accident and crisis assistance (Trafikolycksfall & Krishjälp)
SEK 600,000
Included at no extra cost and without deductible in every tier (Trafikförsäkring, Halvförsäkring and Helförsäkring). Pays 3,600 SEK for hospitalisation of at least 72 hours, 2,000 SEK for sick leave of at least 7 days, up to 600,000 SEK for permanent medical disability, 20,000 SEK on death within 12 months, and crisis-therapy costs (max 10 sessions within one year of the accident).
Key conditions
Driver age and experience limit
An extra youth deductible of 2,000 SEK applies for personbil, lätt lastbil, husbil and snöskoter if the driver is under 24 at the time of the loss and this was not disclosed to the insurer (under 20 for mopeds/light electric vehicles). Not charged if the policyholder is the registered owner or in the case of an animal collision.
Repair network requirements
Repairs require ICA Försäkring's prior approval, and its instructions on choice of repair shop, repair method and materials (including using an equivalent used part where available) must be followed, otherwise extra costs are not covered. The policyholder remains the formal customer ordering the repair to preserve consumer-service-law rights.
Territorial scope
Casco cover applies in Sweden and countries connected to the Green Card system, and during transport between them; an international insurance certificate (Green Card) must be requested before travelling outside the Nordics. Cover (except mandatory MTPL) does not apply on race tracks. Casco cover lapses if the vehicle has been outside Sweden more than 182 consecutive days.
Anti-theft requirements
Vehicle-specific locking requirements apply (e.g. steering/gear-lever lock for cars, two approved class 3/C locks for motorcycles/snowmobiles). Vehicles valued over 1,500,000 SEK must be fitted with an approved, functioning tracking system linked to an alarm centre, or theft compensation is refused entirely. Keys may not be left in or near the vehicle.
Claim notification deadline
Damage must be reported to the insurer without delay. A police report is mandatory for theft, robbery or vandalism claims, filed at the location of the incident, with proof sent to the insurer; for incidents abroad, the report must be filed before returning to Sweden.
Deductible rules
A base deductible per coverage type is stated in the policy schedule. Extra deductibles apply on top: 2,000 SEK youth deductible if the driver is under 24 (waived for the registered owner or animal collisions), and an extra 50% deductible for machine-damage claims if service history per the manufacturer's schedule cannot be shown. Customers may choose a higher vagnskada deductible for a lower premium. Only one extra deductible is charged if vagnskada and trafikskada occur in the same event.
Where to buy
Policy specifics
Youth deductible
Additional deductible for drivers under 24 years old when the vehicle is damaged
SourceRental car coverage
Covers 75% of daily and mileage costs for rental car when insured vehicle is damaged
SourceDeductible protection
Reduces deductible for body damage to 0 kr when vandalism is caused by another identified party
SourceAll-risk coverage
Covers miscellaneous damage including interior damage, wrong fuel, and lost keys
SourceMachine damage coverage
Covers unexpected mechanical failures on engine parts, gearbox, and climate control
SourceBody damage protection
Full coverage model only: covers sheet metal and paintwork damage from collision, vandalism, or other external events
SourceTraffic accident insurance
Extra compensation up to 600,000 kr for driver or passenger with permanent injury from traffic accident
SourceCrisis assistance
Covers therapy with licensed psychologist after traffic accident, up to 10 treatment sessions
SourceParking damage limit
Halvförsäkring covers parking damage only if the incident is classified as an approved parking damage under the Traffic Insurance Association's (TFF) rules
SourceGreen Card territory
Insurance coverage applies in Sweden and countries connected to the Green Card system
SourceMaximum duration outside Sweden
For insurance to apply at claim time, vehicle must not have been outside Sweden for more than 182 consecutive days
SourcePolicyholder obligations
Must provide accurate and complete information when applying; must report changes to risk factors and claim damages without delay
SourceClaims notification
Damages must be reported to insurer without delay; police report required for theft, robbery, or vandalism
SourceInspection cooperation
Policyholder must cooperate with insurance company inspections resulting from damages
SourceDeductible by coverage type
Different deductibles apply to different coverage components (traffic liability, theft, fire, glass, body damage, etc.)
SourceSources
- https://www.icaforsakring.se/bilforsakring/
- https://www.icaforsakring.se/bilforsakring/halvforsakring/
- https://www.icaforsakring.se/bilforsakring/helforsakring/villkor-kopinformation/
- https://www.icaforsakring.se/bilforsakring/jamfor-bilforsakringar/
- https://www.icaforsakring.se/bilforsakring/trafikforsakring/