If
If is a motor casco insurance for the SE market with online purchase and 24/7 assistance.
Direct payment
If determines which authorised workshop performs repairs, or may opt for cash settlement at market value immediately before the damage event. Compensation is paid only to the policyholder and only upon presentation of a receipt for payment made. A claim for insurance compensation may not be assigned without If's approval.
Geographic scope
SE
Gäller i länder anslutna till gröna kort-systemet, dock ej Marocko och Tunisien (exklusive trafikförsäkringen). Trafikförsäkringen gäller i samtliga gröna kort-länder samt globalt för svenska medborgare och hemvistpersoner i Sverige enligt Trafikskadelagen.
Unique selling points
- Stor bilförsäkring includes up to 75 days of rental car coverage (vs. 45 days in standard helförsäkring), making it significantly above the market standard for replacement-vehicle duration.
- Zero deductible on roadside assistance and towing when you have Stor bilförsäkring — a benefit that competitors typically charge extra for or apply a standard deductible.
- Extended new-value protection (Utökat nyvärde) covers replacement with a brand-new car of the same model for up to 2 years and 40,000 km, compared to 1 year and 20,000 km in standard helförsäkring.
- High-voltage battery for electric and hybrid cars is covered without age deduction under machine and electronics insurance, providing full replacement value for one of the most expensive EV components.
- 24/7 claims and emergency assistance line (+46 771-655 655) available both in Sweden and abroad, with If being the Nordic region's largest insurer with approximately 3.9 million customers.
Coverage limits
Own Vehicle Damage (Vagnskada)
Covered
Covers damage to the insured vehicle caused directly by a traffic accident, other external accident, or intentional vandalism by a third party. Maximum compensation from the insurance (excluding traffic insurance) for a passenger car younger than 30 years is SEK 1,500,000. Cash compensation is based on market value immediately before the loss event.
Total Loss
Covered
If repairs are not economically viable, compensation equal to the vehicle's market value in Swedish general trade immediately before the damage is paid. For Stor bilförsäkring, the extended new-value rule applies: If the car is no older than 2 years and has been driven less than 40,000 km, the cost of a new car of the same type and model year is covered subject to repair-cost thresholds.
Partial Loss / Repair
Covered
Partial damage to the insured vehicle is covered and repaired at an authorised workshop chosen by If. If determines the repair method. Maximum compensation (excluding traffic insurance) is SEK 1,500,000 for passenger cars under 30 years old. If recommends using recycled equivalent parts for environmental reasons.
Theft and Robbery
Covered
Covers loss of the vehicle through theft, appropriation of a means of conveyance, or attempted theft. If the vehicle is not recovered within one month of police report, compensation for the vehicle loss is paid. For vehicles with a market value over SEK 1,500,000, a GPS-based positioning system with activated alarm-centre connection is required; without it, compensation is reduced by 40%. Non-factory-fitted stereo/navigation/electronic equipment is capped at SEK 25,000 (incl. fitting); non-OEM wheels capped at SEK 35,000.
Glass Damage
Covered
Covers breakage, penetration or cracking of the windscreen, side windows or rear window. Does not cover damage occurring during a traffic accident, other external accident, or intentional third-party vandalism (those are covered under vagnskada). Does not cover wear-related damage. Deductible is reduced if repair is performed instead of replacement at an If-approved repairer.
Fire, Lightning and Explosion
Covered
Covers damage from fire (including arson by a third party), lightning strike and explosion. Does not cover damage from explosion within the engine, exhaust system, tyres or hoses, nor traffic-accident damage that results from fire, lightning or explosion. Vehicles deviating from factory specification without If's written approval are not covered.
Vandalism / Malicious Damage
Covered
Intentional vandalism by a third party is covered under the vagnskada (own damage) coverage. In Stor bilförsäkring the Djurkollision och skadegörelse add-on is included, which reduces the base/guarantee deductible by up to SEK 10,000 (with vagnskadegaranti) or SEK 7,000 (without) when the repair cost exceeds SEK 1,000.
Roadside Assistance and Towing
Covered
Included in Stor bilförsäkring with zero deductible. Covers towing to the nearest appropriate workshop in Sweden, or to the vehicle's home base in Sweden if the journey must be abandoned. Also covers transport of passengers and private baggage to their home base in Sweden. When abroad, transport to the vehicle's Swedish home base is covered if the damage is serious enough that the journey cannot continue. Available 24/7 via If's emergency line +46 771-655 655.
Replacement Vehicle (Rental Car)
Covered
Included in Stor bilförsäkring. Covers the cost of a standard-equipped rental car of equivalent size and same fuel type for up to 75 days while the insured car is being repaired after a covered loss. In Sweden, 75% of the daily and per-km rental cost is reimbursed; abroad 100% is reimbursed. If the car is not repaired, up to 14 days of rental is covered from the date If presented a settlement proposal. If you choose not to hire a car, SEK 150 per day is paid instead.
Driver and Passenger Accident Cover
Covered
Included in Stor bilförsäkring. Provides compensation for personal injury resulting in medical disability or death in connection with traffic using the insured vehicle. At 100% medical disability the insured sum is SEK 600,000; compensation is paid proportionally to the degree of disability and reduced by 2.5% per year of age above 45, up to age 75. In the event of death within two years of the accident, SEK 50,000 is paid to the estate. Crisis therapy by a licensed psychologist for up to 10 sessions is also covered in Sweden.
Key conditions
driver_age_experience_limit
An additional special deductible of SEK 1,000 applies to both the traffic insurance and vagnskada (own damage) insurance when the driver was under 25 years of age at the time of the damage. Only one youth deductible is charged when both traffic and vagnskada damages occur simultaneously.
repair_network_requirements
If decides which authorised workshop will carry out the repair and which repair method will be used. If the policyholder does not obtain If's instructions before ordering work, they must be able to demonstrate the scope of the damage and that the chosen repair method was necessary. Compensation is then paid only to the policyholder against a receipt for payment. Original or equivalent recycled parts are used; If may opt for cash settlement if it takes over ownership of the damaged vehicle within one month of the offer.
territorial_scope
The insurance (excluding traffic insurance) is valid in countries connected to the Green Card system, but not in Morocco or Tunisia. The traffic insurance is valid in all Green Card countries and globally for Swedish citizens or residents in Sweden under the Road Traffic Damage Act. The insurance does not apply when the vehicle is on a circuit intended for motor vehicle driving (e.g. Anderstorp, Gotland Ring, Mantorp, Nürburgring including Nordschleife). If the vehicle has been abroad for more than 182 days in the preceding 12 months when the damage occurs, no compensation is paid.
anti_theft_requirements
When the vehicle is left unattended, all door locks must be locked and the ignition turned off. Keys or key cards must be stored safely and must not be left in or immediately adjacent to the vehicle. If a key or key card is lost, the key code must immediately be de-programmed from the car's control unit by an authorised workshop. Accessories stored in the vehicle must be locked inside it. Dismounted vehicle parts or accessories must be stored locked in a space used solely by the policyholder. Failure to follow these prescriptions: deductible reduction of 10% (minimum SEK 6,500) for key lock, 50% reduction for accessories, full denial for dismounted parts.
claim_notification_deadline
A damage must be reported to If as soon as possible. Theft, vandalism and accidents involving wildlife or domestic animals must also be reported to the police. In the event of a need for roadside assistance, towing or a glazier, If must always be contacted before ordering the work. The right to claim compensation is extinguished if legal action is not brought within ten years from the damage event (three years from gaining knowledge of the claim for events before 1 January 2015). Once a claim has been reported, there is always a minimum six-month period to bring an action after If has issued a final decision.
deductible_rules
The deductible consists of a base deductible (stated in the insurance certificate) plus any applicable special deductibles. For Stor bilförsäkring, the vagnskada deductible is SEK 1,500 (SEK 3,000 for directly imported vehicles) for cars up to 5 years old or under 80,000 km; SEK 3,500 (SEK 7,000 for directly imported vehicles) for older/higher-mileage cars. A special deductible of 10% of the claim cost (minimum SEK 5,000) applies if there are deficiencies in the legally required tyre equipment. An additional SEK 1,000 deductible applies for drivers under 25 years old. An additional SEK 1,000 applies if the driver lacked a licence, was driving under the influence, or caused the damage deliberately or by gross negligence. For machine and electronics, the deductible is tiered by vehicle age and mileage; for directly imported vehicles a double deductible applies (except the highest tier in Stor bilförsäkring).
Policy specifics
Machine and Electronics Damage Insurance
Covers damage to machine components and electronics in the car, including engine, fuel system, electrical systems, and components specific to electric and hybrid vehicles
Rental Car Coverage
Covers costs for rental car when the insured car cannot be driven due to covered damage. Maximum coverage period varies by insurance level
High-Voltage Battery Coverage
For electric and hybrid cars, covers damage to high-voltage battery without age deduction
Lost Car Key Coverage
Covers cost of replacement car keys if lost or damaged
Automatic Car Damage Warranty Completion
For newer cars with manufacturer warranty, IF automatically completes insurance with car damage coverage when warranty expires
Authorized Repair Network
IF determines which authorized workshop will perform repairs, or may opt for cash settlement
Deductible for Young Driver
Extra deductible applies when the driver involved in the damage was under 25 years old at the time of the damage event
Racing Track Exclusion
Insurance does not cover damage from driving on racing tracks or organized racing circuits
Commercial Use Exclusion
Insurance does not cover damage when car is used for commercial purposes, rental services, or goods transport
Vehicle Modification Exclusion
Insurance does not cover faults resulting from vehicle modifications or tuning
Service Requirement
Car must be regularly serviced according to manufacturer recommendations for machine damage coverage to apply
Safety Regulation Violation Penalties
Failure to follow safety regulations can result in reduced or denied claims payment
Geographic Coverage Limitation
Car damage insurance (excluding third-party liability) only covers countries within the Green Card system, excluding Morocco and Tunisia