Länsförsäkringar
Länsförsäkringar is a motor casco insurance for the SE market with online purchase and limited assistance availability.
Direct payment
Länsförsäkringar pays repair costs directly to the workshop; the insured pays only the applicable deductible.
Geographic scope
SE
Gäller i länder anslutna till Gröna Kort-systemet och vid transport mellan dessa länder
Unique selling points
- Länsförsäkringar insures one in three passenger cars in Sweden, reflecting its market-leading position and local presence across all 23 regional companies.
- Machine damage coverage included in the standard semi-casco for vehicles up to 10 years old or 120,000 km — one of the longest thresholds among Swedish mass-market insurers.
- The MER add-on provides 75% rental car cost coverage for up to 60 days during repairs, with a 150 SEK/day cash alternative — covering a broader repair window than most competitors.
- Claims can be filed digitally via the Länsförsäkringar app or website, with contact from the claims team on the next business day, enabling fast and convenient damage handling.
- A bonus/no-claims system rewards claim-free years with premium discounts on both the traffic insurance and casco components, reaching maximum discount after 20 claim-free years.
Coverage limits
Collision / Vehicle Damage (Vagnskadeförsäkring)
Covered
Covers damage to the insured vehicle resulting from traffic accidents (even if the driver is at fault), collisions, running off the road, vandalism, and other external events. Deductible is 3,000 SEK or 5,000 SEK depending on level chosen; an additional 1,000 SEK applies if the driver is under 24 and not the registered owner.
Total Loss
Covered
If repair costs exceed the vehicle's market value, Länsförsäkringar pays the market value of the vehicle at the time of the loss. Market value is assessed by comparing equivalent vehicles across multiple market actors.
Partial Loss (Delkasko)
Covered
Covers fire, theft, glass damage, machine/electronics damage, rescue/recovery, crisis insurance and legal protection as the semi-comprehensive (halvförsäkring) layer. Machine damage applies to vehicles up to 10 years old or 120,000 km.
Theft and Robbery
Covered
Covers theft of the vehicle, break-in damage, attempted theft, robbery, and temporary use without permission (tillgrepp). The standard deductible is 1,000 SEK for a semi-casco-insured car; half the deductible applies if the vehicle has approved security coding or a removable audio/communications unit.
Glass damage
Covered
Glasskada ingår i halvförsäkring; självrisken vid byte av ruta är 1 500 SEK; reparation av stenskott har lägre eller noll självrisk. Inget separat maxbelopp publicerat.
Fire and Natural Perils (Brand)
Covered
Covers damage caused by fire, lightning strike, explosion, and electrical short-circuit damage to cables and electrical components. This covers the vehicle itself and its standard equipment.
Vandalism / Malicious Damage
Covered
Vandalism (skadegörelse) is covered under the vagnskadeförsäkring (helförsäkring) and also for halvförsäkring holders with the MER add-on. A reduced deductible applies with the MER add-on when the repair cost exceeds 1,000 SEK.
Roadside Assistance and Recovery
Covered
Covers towing, recovery and roadside assistance in the event of a breakdown, puncture, loss or damage of the vehicle key. Reasonable towing and transport costs are reimbursed together with the applicable deductible. Applies in all Green Card countries.
Replacement vehicle
€45
Ersättningsbil i 45 dagar, 75% av dygns- och kilometerkostnad. Vissa regionala variationer förekommer (t.ex. 60 dagar hos LF Stockholm).
Driver Accident / Personal Accident
Optional
Personal accident coverage for the driver (förarolycksfall) is not part of the standard helförsäkring or halvförsäkring under MF45. Crisis counselling (krisförsäkring) is included in the standard policy. A specific driver accident rider is available as a separate add-on.
Key conditions
driver_age_experience_limit
An additional deductible of 1,000 SEK applies if the driver is under 24 years old and is not the registered owner of the vehicle. This surcharge applies to both the traffic insurance deductible and the vehicle damage (vagnskada) deductible.
repair_network_requirements
Länsförsäkringar may direct the insured to an approved workshop or repair network partner. Costs are paid directly to the workshop after deductible. For machine damage assessment, an authorised brand workshop must first inspect the vehicle.
territorial_scope
The casco insurance applies within the countries connected to the Green Card (Gröna Kort) system and during transit between these countries. The traffic insurance applies worldwide for Swedish citizens and persons domiciled in Sweden injured by a Swedish-registered vehicle.
anti_theft_requirements
A reduced deductible (half the standard deductible) for theft applies if the vehicle is equipped with an approved security/immobiliser coding or has a removable audio/communications unit. Vehicles must be locked and keys properly secured to be eligible for full theft coverage.
claim_notification_deadline
Damage must be reported to Länsförsäkringar without delay (utan dröjsmål). The insured must also submit all required supporting documentation promptly. Failure to report promptly may result in reduced or denied compensation.
deductible_rules
Standard vagnskada deductible: 3,000 SEK or 5,000 SEK (depending on chosen level). Traffic insurance deductible: 1,000 SEK (3,500 SEK for legal entities). Glass chip repair: 200 SEK. Glass replacement (semi-casco): 1,000 SEK. Machine damage: 3,000 SEK (0–6,000 km), 5,000 SEK (6,000–10,000 km), 7,000 SEK (10,000–12,000 km). Direct import surcharge: 5,000 SEK additional (waived for factory-new imports). Young driver surcharge: +1,000 SEK if driver under 24 and not registered owner.
Policy specifics
Semi-Casco (Delkasko)
Partial comprehensive coverage including theft, fire, glass damage, and machine damage for newer vehicles
Collision/Vehicle Damage Coverage
Coverage for vehicle damage from collisions, own fault accidents, and other external events
Theft Protection Deductible Reduction
Half deductible applies for theft if vehicle is equipped with approved security coding or removable stereo components
Direct Import Vehicle Extra Deductible
Additional 5000 SEK deductible applies to directly imported passenger vehicles
Rental Car Replacement Coverage
Up to 40 days compensation for rental car costs during repairs; Länsförsäkringar covers 75% of costs