If Skadeförsäkring AB (publ)

Driver age and experience limit

Drivers under 25 trigger an extra SEK 1,000 deductible for both traffic and vagnskada claims (only the single highest such deductible is applied even if both apply). The driver must hold the driving licence class required for the vehicle.

Repair network requirements

If decides which approved workshop repairs the car and which repair method is used; you must contact If before ordering repair, roadside assistance, towing or glass work, otherwise compensation may be reduced.

Territorial scope

Cover (excluding the mandatory traffic insurance) applies in countries connected to the Green Card system, but not in Morocco or Tunisia; cover ceases if the car has been abroad more than 182 days in the last 12 months.

Anti-theft requirements

The car must be locked with an approved anti-theft device when left unattended, and the key must not be stored in or next to the vehicle. Cars worth more than SEK 1,500,000 must have an approved GPS tracking system with an activated alarm-centre link, or compensation is reduced by 40%.

Claim notification deadline

Report the claim to If as soon as possible; theft, vandalism and collisions with wildlife or domestic animals must also be reported to the police.

Deductible rules

The vagnskada deductible is selectable at SEK 3,500, 5,000 or 7,000. If several coverage sections or several of your private If policies apply to the same claim, only the single highest base deductible is deducted (the traffic-insurance deductible is always added separately). Special extra deductibles apply, e.g. for drivers under 25 (SEK 1,000) and defective tyres (10% of the claim, min SEK 5,000).

Collision and vandalism damage (Vagnskada)

The comprehensive insurance (helförsäkring) includes vagnskadeförsäkring which covers damage to the vehicle's body and paintwork from collisions, single accidents, and vandalism

Rental car during repairs (Hyrbil)

Optional additional coverage that provides rental car reimbursement for up to 45 days (standard helförsäkring) or 75 days (Stor Bilförsäkring) when the insured vehicle is undergoing repairs following covered damage

Animal collision and damage (Djurkollision och skadegörelse)

Optional additional coverage providing compensation for damage caused by wild animal collisions (such as deer or moose) and vandalism incidents

Theft and fire coverage (Stöld- och branddäckning)

Comprehensive coverage includes protection against vehicle theft and fire damage

Deductible structure (Självrisk)

Comprehensive insurance features a basic deductible (grundsjälvrisk) and optional higher deductibles. For standard helförsäkring, deductible is typically 1,200-3,500 SEK depending on vehicle age and mileage.

Authorized repair workshop requirement

If determines which approved authorized workshop in Sweden will perform repairs, or alternatively determines how parts are to be reacquired. The insured must order the repair to proceed.

Safety regulations and safety obligations

Comprehensive insurance includes specific safety regulations (such as requirements on driving on ice-covered water, using approved heating equipment, etc.). Failure to comply may result in reduced compensation (typically 20% reduction) or complete denial of coverage.

Exclusion for competitive and commercial use

Coverage does not apply when the vehicle is used under competitive circumstances (street racing, track racing at circuits like Anderstorp, Gotland Ring, Mantorp, or Nürburgring), rented out for payment, lent for payment, or used in delivery/commercial services.

Non-factory fitted equipment compensation cap

Claims for non-factory fitted equipment (aftermarket add-ons) are capped at 25,000 SEK per claim