Länsförsäkringar Casco (own-damage car insurance) (Casco Halv Hel)

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 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 (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

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)

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

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

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

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

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