Länsförsäkringar AB
Länsförsäkringar
Länsförsäkringar is a motor casco insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Repairs and towing require Länsförsäkringar's prior approval; the insurer has the right to direct you to an approved repairer/supplier and to represent you towards the repairer, which in practice allows cashless settlement directly with the workshop
Geographic scope
Countries connected to the Green Card system, with transport between them; casco cover ends if the vehicle has been outside Sweden more than 182 days in a 12-month period (A-traktor: Sweden only)
Traffic insurance always applies worldwide for Swedish citizens/residents injured by a Swedish-registered vehicle; casco (kasko) is limited to Green Card countries and lapses after 182 days abroad in 12 months
Unique selling points
- Zero theft deductible when the vehicle is fitted with approved, active tracking equipment at the time of the loss
- New-value replacement (not just market value) for cars within 2 years/40,000 km when repair costs are disproportionate
- No deductible at all for repairable windscreen/glass damage
- Nationwide claims and assistance alarm centre open every day, around the clock, with dedicated support for incidents abroad
- Legal protection pays up to 340,000 SEK per dispute, well above the minimum needed to cover most private legal costs
Coverage limits
Own damage (collision/vagnskada)
Conditional
Only in Helförsäkring
Covers damage from traffic accidents, other external sudden events, or malicious damage by a third party. Only included in Helförsäkring (full/comprehensive cover) — not part of Halvförsäkring. Settled at market value unless new-value compensation (834) applies; for cars 1964 or older the payout is capped at 200,000 SEK unless otherwise agreed; A-traktor own-damage cover is capped at 200,000 SEK
Total loss / new-value compensation
Conditional
Only in Halvförsäkring, Helförsäkring
Total loss is compensated at market value. New-value compensation (replacement with an equivalent new vehicle) applies to cars within 2 years of first registration and driven at most 40,000 km (with stricter thresholds for cars under 1–2 years), and to caravans/motorhomes/light trucks within 1 year and 20,000 km, provided repair cost exceeds 50–80% of the purchase price. Applies within Helförsäkring for vagnskada-related total loss and within stöld/brand for theft/fire total loss under either tier
Partial loss / repair
Conditional
Only in Halvförsäkring, Helförsäkring
Partial (repairable) damage is settled by repair, replacement with an equivalent used part where available, or cash settlement at the insurer's choice; standardised depreciation tables apply to tyres, rims, batteries and electronics when market value cannot be established. Vagnskada-based partial loss is only covered under Helförsäkring; fire/glass/theft partial-loss repairs are covered under both tiers
Theft and burglary
Covered
Only in Halvförsäkring, Helförsäkring
Covers theft, unlawful taking of the vehicle, attempts, and malicious damage connected with these events; loss is compensated if the vehicle is not recovered within 30 days. Sub-limits: wheels stolen from the car 40,000 SEK unless locking wheel bolts are fitted (no limit if the whole car is stolen); after-market audio/video equipment 30,000 SEK (15,000 SEK for A-traktor); extra lights 20,000 SEK. Zero deductible applies with approved tracking equipment in operation at the time of the loss (all vehicles)
Glass damage
Covered
Only in Halvförsäkring, Helförsäkring
Covers windscreen, side or rear window that is punctured, cracked or shattered. Excludes damage from collision, rollover, or driving off the road (except for terränghjuling and snöskoter). No deductible is charged if the glass damage can be repaired rather than replaced
Natural perils / external events (storm, falling objects)
Conditional
Only in Helförsäkring
There is no separate 'natural perils' section; storm damage, falling trees/objects etc. are covered as 'other external sudden events' under vagnskadeförsäkring (321), which is only included in Helförsäkring. Fire, lightning strike and explosion are covered separately under brandförsäkring (331) in both tiers
Vandalism / malicious damage
Conditional
Only in Halvförsäkring, Helförsäkring
Malicious damage by a third party is covered as vagnskada (321, Helförsäkring only) and as damage connected to theft/attempted theft under stöldförsäkring (351 d, both tiers). The MER add-on (732) reduces the deductible on malicious-damage and animal-collision claims to 1,000 SEK
Roadside assistance and recovery
Covered
Only in Halvförsäkring, Helförsäkring
Covers transport of driver, passengers, the insured vehicle, attached trailer/caravan and luggage following breakdown, accident, fuel/battery depletion, lock-out, or theft; transport to the nearest workshop or to the vehicle's home address, with a 24/7 alarm centre (020-59 00 00 domestically, +46 8 670 40 00 abroad). Included in both Halvförsäkring and Helförsäkring since it forms part of kaskoförsäkring outside the vagnskada module
Replacement/rental vehicle (MER add-on)
€60
Only in Tilläggsförsäkring MER
Rental car or cash 'avbrottsersättning' (150 SEK/day) is only available via the separately purchased Tilläggsförsäkring MER, open to personbil/lätt lastbil that is at least Halvförsäkrad. Länsförsäkringar pays 75% of the rental day/km cost (customer pays 25%) for up to 60 days per claim
Driver/occupant crisis support (psychological injury)
Covered
Only in Halvförsäkring, Helförsäkring
Casco does not include general bodily-injury/accident cover for the driver (that sits under the separate mandatory trafikförsäkring). It does include Krisförsäkring (39): treatment for psychological ill-health following a traffic accident, robbery, unlawful threat or assault while travelling in the insured vehicle — up to 10 treatment sessions per person/event within 12 months, no deductible, plus legal advice up to 10% of prisbasbeloppet per person/event
Key conditions
Driver age and experience limit
An extra 'ungdomssjälvrisk' of 1,000 SEK applies for personbil, lätt lastbil, husbil and Entusiastbil when the driver is under 24 at the time of loss (not charged if the policyholder was driving, or on animal collisions); driver must hold a valid licence or be within legal driving-lesson rules
Repair network requirements
Repair and towing require prior approval from Länsförsäkringar; the insurer has the right to designate the repairer, towing company, repair method and materials, and to act on the policyholder's behalf towards the repairer — full compensation requires following these instructions
Territorial scope
Casco applies in Green Card countries and during transport between them, but lapses if the vehicle has been outside Sweden more than 182 days within any 12-month period; A-traktor casco is valid only in Sweden; avställningsförsäkring (laid-up cover) applies only in Sweden
Anti-theft requirements
Vehicle-specific lock requirements apply (e.g. door lock plus activated factory immobiliser for cars/light trucks/motorhomes; two approved locks for motorcycles/mopeds; chain-and-lock class III for ATVs/snowmobiles/trailers). Keys must be stored carefully, without name/address/registration details, away from the vehicle. Non-compliance can reduce or eliminate compensation
Claim notification deadline
Claims must be reported without delay; theft, attempted theft, burglary, robbery or assault must also be reported to the police without delay with proof sent to the insurer. General claims prescribe after 10 years, with an additional 6 months to sue after the insurer's final decision if reported in time
Deductible rules
Each coverage module (vagnskada, brand, glas, stöld, maskinskada, allrisk, assistans) has its own deductible stated in the policy schedule; only the highest deductible is charged if several coverages apply to the same event (excluding traffic/ungdomssjälvrisk, which are always added on top); deductibles can be reduced (e.g. halved with an approved immobiliser, or waived entirely with approved tracking equipment) or increased/withheld for breach of duty-of-care requirements
Where to buy
Policy specifics
Vehicle replacement option
Option to replace vehicle if purchased new during insurance period
SourceSource no longer reachableTheft protection discount
Reduced deductible (half basic deductible) for theft claims when vehicle has coded security equipment
SourceSource no longer reachableGreen Card system coverage
Traffic insurance covers countries in the Green Card system and transportation between them; other coverage applies within Nordic countries
SourceSource no longer reachableVehicle security locking requirements
Vehicle must be locked with approved locking mechanism to qualify for certain coverage; affects claim eligibility and deductible
SourceSource no longer reachableSources
- https://secure235.lansforsakringar.se/Villkor/MF45.pdfSource no longer reachable