Moderna Försäkringar, branch of Tryg Forsikring A/S
Moderna Försäkringar
Moderna Försäkringar is a motor casco insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Moderna decides whether damaged property is repaired, cash-settled or replaced, and who carries out the repair; the policyholder is always the client and payer of the repair (to preserve consumer-protection rights under the Consumer Services Act) and is responsible for raising any complaints about completed work.
Geographic scope
Sweden
Valid in the countries covered by the so-called Green Card system, and during transport between these countries.
Unique selling points
- Theft deductible is fully waived with an approved tracking system linked to an alarm centre, and halved with an approved active alarm.
- No deductible at all applies for collisions with animals that suddenly run into the road.
- Windscreen repair (as opposed to replacement) is done with zero deductible.
- Mechanical breakdown cover extends to EV/hybrid high-voltage batteries, chargers and charging cables as factory-fitted accessories.
- The optional Kombi add-on bundles rental car cover, roadside assistance and a 50% deductible reduction for third-party vandalism in one package.
Coverage limits
Own damage (collision) coverage
Conditional
Only in Helförsäkring
Covers damage to your own car in a traffic accident (even if you caused it), other external accidental events (e.g. running off the road), and intentional damage by a third party. Settlement is based on the car's market value; excludes damage from rust, corrosion, cold, wet or damp, and damage originating from inside the vehicle. Only included in the Helförsäkring (full insurance) tier, not Halvförsäkring.
Total loss settlement
Covered
If repair is uneconomical relative to market value, or a stolen vehicle is not recovered, Moderna settles at the vehicle's market value immediately before the loss. For qualifying new cars (owned since first registration, damage within 1 year, ≤20,000 km driven, repair cost >50% of purchase price), new-value replacement (nyvärdesersättning) with an equivalent new car may apply instead.
Partial damage / repair coverage
Covered
Repair costs for damage covered under the applicable perils (fire, glass, theft, mechanical breakdown in Halvförsäkring; plus collision/vagnskada in Helförsäkring) are reimbursed based on market value, using equivalent used parts where available; certain equipment (e.g. tyres, alloy wheels, audio equipment) is valued per an age-based depreciation table.
Theft and robbery
Covered
Covers theft, unauthorized taking (tillgrepp), attempted theft/taking, robbery, and intentional damage connected to these events, provided the car was locked. Sub-limits apply: audio/video/navigation equipment SEK 30,000 (unlimited if factory-fitted), extra lights SEK 10,000, wheels (tyres with rims) SEK 25,000 (no limit with wheel locks fitted or if the whole car is stolen). A 30-day claims-handling period applies before compensation is paid if the vehicle is not recovered.
Glass damage
Covered
Covers windscreen, side or rear windows (and visor on motorcycle/snowmobile) that are punctured, cracked or shattered. Deductible SEK 2,000 for replacement; no deductible for repair. Does not cover glass damage from collision, rollover or running off the road (except for snowmobiles), vandalism, or sunroof/glass roof/headlamp/mirror glass.
Natural perils
Conditional
Only in Helförsäkring
Not named as a separate peril category in the terms. Fire, lightning strike and explosion are covered under Brand (Halv/Hel); other external accidental events (which may include storm or flood-related impacts on the vehicle) are covered only under Vagnskada, available in Helförsäkring only. Damage from frost, wet or damp is explicitly excluded.
Vandalism / malicious damage
Covered
Theft-related intentional damage (uppsåtlig skadegörelse i samband med stöld/tillgrepp) is covered under Stöld in both Halv- and Helförsäkring. General malicious damage by a third party unrelated to theft (uppsåtlig skadegörelse av tredje man) is covered under Vagnskada, available only in Helförsäkring; a 50% deductible reduction can be obtained via the optional Kombi add-on.
Roadside assistance / rescue
Covered
Covers person and vehicle transport made necessary by theft, traffic accident or other breakdown (excluding fuel shortage or puncture) during travel with the insured car, including towing to the nearest suitable workshop and travel home within the Nordic countries. Included in both Halvförsäkring and Helförsäkring.
Rental / replacement vehicle
Optional
Optional add-on (requires at least Halvförsäkring) reimbursing 75% of the daily and per-km rental cost (or SEK 100/day cash compensation instead) for up to 75 days while the insured car is unusable due to a covered loss. Limited to 7 days if the loss falls under Vagnskada but the car lacks vagnskadeförsäkring, or if the age/mileage limits for Maskin cover have been exceeded.
Driver/passenger accident (Trafikolycksfall)
SEK 600,000
Optional add-on (requires at least Halvförsäkring) covering personal injury to driver/passengers from a traffic accident: SEK 3,600 lump sum for hospitalization of at least 72 hours, SEK 2,000 for sick leave of at least 7 days, SEK 100,000 to the estate on death within 12 months, and up to SEK 600,000 for medical invalidity (minimum 5% invalidity grade required, no deductible).
Key conditions
Driver age and experience limit
An additional deductible (ungdomssjälvrisk) applies to traffic and collision (vagnskada) claims for cars, light trucks, motorcycles, snowmobiles, mopeds and EU-mopeds if the driver was under 24 at the time of the accident; only one youth deductible is deducted if both a traffic and a collision claim occur in the same incident, and it does not apply to animal collisions.
Repair network requirements
Repairs must be approved by Moderna Försäkringar before starting, and the choice of repairer, repair method and materials must follow Moderna's instructions; the policyholder remains the legal client and payer of the repair under consumer protection law.
Territorial scope
The policy is valid in countries covered by the so-called Green Card system and during transport between them; travel outside the Nordic countries requires contacting Moderna in advance and carrying the vehicle's registration certificate.
Anti-theft requirements
The vehicle must be locked with the key removed when left unattended; cars and light trucks must be locked with a steering or gear lock, motorcycles with two separate approved locks, and any factory-fitted electronic immobilizer must be activated. Non-fixed equipment must be locked inside the vehicle.
Claim notification deadline
Damage must be reported to Moderna without delay. For theft, robbery, loss or vandalism a police report must be filed at the location of the loss and a copy sent to Moderna; for incidents abroad the police report must be filed before returning to Sweden.
Deductible rules
The base deductible is stated in the insurance certificate (försäkringsbrev); special deductibles apply for certain claim types, e.g. no deductible for animal collisions (with a SEK 3,500 reduction of the vagnskada deductible), and the theft deductible is halved (or waived with a tracking system linked to an alarm centre) if an approved alarm was active.
Where to buy
Policy specifics
Rental car coverage
Optional add-on insurance providing rental car expenses up to 75% of costs for up to 75 days when vehicle is damaged and unusable
SourceBreakdown assistance
Coverage for on-site repair or towing to workshop; roadside assistance up to 3 days when repair takes longer than 1 hour
SourceTheft and break-in protection
Coverage against theft, break-in, and theft attempts; subject to 30-day waiting period before stolen vehicle compensation is payable
SourceLegal protection insurance
Coverage for legal costs and disputes resolved in Swedish courts; includes compensation for lawyer fees and other legal expenses
SourceTraffic accident personal injury coverage
Covers personal injury sustained by driver and passengers resulting from traffic accident; includes compensation for clothing/belongings up to one-quarter price index unit
SourceVehicle age limit
Insurance terminates at renewal date in the calendar year the vehicle reaches 15 years from first registration date
SourceRepair approval requirement
Repair and restoration of vehicle must be approved by Moderna Försäkringar before commencement
SourceProhibited vehicle uses
Insurance does not cover taxi/hire/shuttle vehicles, private rentals for payment, or use on racetracks or during racing/racing training
SourceDeductible structure
Basic deductible specified in policy document; additional deductibles may apply for specific claim types (e.g., animal collision covered without deductible)
SourceClaims notice requirement
Claims must be reported without delay (omedelbar anmälan); for theft/loss/vandalism, police report required and must be submitted to insurer; overseas claims must have police report filed before returning home
Source