Moderna Försäkringar Casco (own-damage car insurance) (Bilforsakring Casco)

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.

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.

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.

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.

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.

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.

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.

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.

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.