Extracted from source documents

Paydrive Casco (own-damage car insurance) (Helforsakring)

Underwritten by Dina Försäkring AB · Sweden

casco (own-damage car insurance) from Paydrive for the Sweden market, with online purchase and 24/7 assistance.

Verified Aug 31, 2026 · Terms dated 2025-02-13Sources

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Key facts

Paydrive

Unique selling points

Fully mileage-based pricing (a fixed daily part plus a per-mile part based on measured driving data), with Paydrive citing the most experience with mileage-based insurance in the Nordics since 2016.

Markets among the highest compensation levels in the Swedish market for Allrisk (up to 70,000 SEK) and Rättsskydd (up to 400,000 SEK).

No deductible on theft of the whole vehicle when the Bilbox tracking device is properly connected, aiding recovery.

Free real-time individual CO2 footprint tracking based on actual driving, updated daily at no extra cost.

Extra EV/hybrid machinery protection (battery, charger, high-voltage system) included automatically wherever Maskinskada is covered, at no extra premium.

Coverage limits

Covered

Own damage (vehicle damage / vagnskada)

Covered

Covers damage to the insured vehicle caused by a traffic accident, other external accidental event (e.g. collision, ditch driving, falling object), or intentional vandalism by a third party. Included only in Helförsäkring and Stor Helförsäkring (not Halvförsäkring or Trafikförsäkring). Base deductible is 4,000 SEK. Settlement is by repair, replacement with an equivalent vehicle, or cash based on the vehicle's market value immediately before the damage, at the insurer's discretion.

Clause 3.4Page 18

Section: 3.4 Vagnskada

Försäkringen gäller för • skada på ditt fordon genom trafikolycka • skada på ditt fordon genom annan yttre olyckshändelse • skada på ditt fordon genom uppsåtlig skadegörelse av tredje man.

Covered

Total loss settlement

Covered

If repair is not deemed cost-effective, settlement is based on the vehicle's market value immediately before the loss. A new-value replacement rule applies for vehicles under 1 year old, owned since first registration, driven fewer than 20,000 km, where the estimated repair cost exceeds 50% of the vehicle's market value (incl. VAT); in that case the vehicle is replaced with a new one of the same type and model year.

Clause 5.4Page 25

Section: 5.4 Nyvärde personbil

Om seriemässigt tillverkad personbil (inte direkt-/sidoimporterad) skadas ersätter vi den med ny bil av samma typ och årsmodell under förutsättning att skadan skett inom ett år från det att bilen registrerades första gången du ägt bilen oavbrutet sedan den registrerades första gången bilen körts högst 20 000 km skälig reparationskostnad beräknas överstiga 50 % av den skadade bilens marknadsvärde vid skadetillfället (inklusive mervärdesskatt).

Covered

Partial damage repair

Covered

Partial damage under vagnskada, brand, glas, maskin, stöld or allrisk cover is repaired using a used equivalent replacement part where available, by a repairer designated/approved by Paydrive. The applicable deductible depends on the damage type (e.g. 4,000 SEK for vagnskada, 1,500 SEK for glass/theft/fire, 0 SEK for glass repair instead of replacement).

Clause 5.1Page 25

Section: 5.1 Hur vi ersätter

Vid reparation ska begagnad likvärdig utbytesdel användas om sådan finns att tillgå.

Covered

Theft and attempted theft

Covered

Covers theft, attempted theft and unauthorized taking of the vehicle (tillgrepp), included in Halvförsäkring and Helförsäkring alike. No deductible applies if the whole vehicle is stolen while the Bilbox tracking device is properly connected; otherwise base deductible is 1,500 SEK. Sub-limits: non-factory-fitted stereo/electronics up to 45,000 SEK; wheels not supplied by an authorized dealer up to 55,000 SEK.

Clause 3.3.1Page 10

Section: 3.3.1 Stöld

Eftersom bilboxen som ingår i försäkringen som gör det möjligt att spåra bilen tillämpas ingen självrisk när bilen blivit stulen.

Covered

Glass damage

Covered

Covers damage where the windscreen, side or rear window is cracked, broken through, or shattered (e.g. stone chip). Deductible is 1,500 SEK, reduced to 0 SEK if the damage is repaired rather than the glass replaced. Excludes glass broken during a collision, rollover, or off-road driving (vagnskada), or through vandalism.

Clause 3.3.3Page 11

Section: 3.3.3 Glas

skada som består i att vind-, sido- eller bakruta krossas, genombryts eller spräcks.

Covered

Natural perils / weather-related damage

Covered

There is no dedicated 'natural perils' module; weather- and nature-related events are covered via Vagnskada (other external accidental events, e.g. falling objects) and Brand (fire caused by lightning strike). Damage caused by rust, corrosion, cold or damp/moisture is explicitly excluded from both Vagnskada and Maskinskada.

Clause 3.4Page 18

Section: 3.4 Vagnskada

skada genom rost, frätning, köld, väta eller fukt

Conditional

Vandalism (malicious damage by a third party)

SEK 6K

Intentional damage by a third party is covered without a specific cap under the Vagnskada module (own_damage), subject to the standard 4,000 SEK deductible. A separate 'Skadegörelse' benefit reimburses the deductible paid on a vandalism claim settled via Vagnskada/vagnskadegaranti, up to 6,000 SEK if repair cost exceeds 1,000 SEK; this benefit is automatically included in Stor Helförsäkring/Stor Halvförsäkring but is a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Clause 3.5.2Page 19

Section: 3.5.2 Skadegörelse

Om bilen skadas genom uppsåtlig skadegörelse som ersätts via vagnskadeförsäkringen/vagnskadegarantin ersätts grund-/garantisjälvrisken om reparationskostnaden överstiger 1 000 kr. Ersättning lämnas med högst 6000 kronor.

Conditional

Roadside assistance

Conditional

Räddningsförsäkring (towing to a workshop or home in Sweden, plus travel costs home) is included in all Halv- and Helförsäkring forms without deductible. The broader Assistans service (on-site repair, tyre change, fuel delivery, lock-out help, plus 3 days' rental car if repair exceeds 12 hours) is included automatically in Stor Helförsäkring/Stor Halvförsäkring, but is a paid optional add-on for standard Helförsäkring/Halvförsäkring (separately or as part of the 99 SEK/month Pluspaket). Usable once per insurance period, for vehicles under 17 years old, without deductible.

Clause 3.5.4Page 20

Section: 3.5.4 Assistans

bärgning till av Paydrive anvisad verkstad om bilen är yngre än 17 år reparation på plats däckbyte vid punktering transport av drivmedel låsöppning.

Conditional

Replacement/rental vehicle

Conditional

Covers rental car costs when the insured vehicle cannot be used due to an insured fire, glass, theft, allrisk, vagnskada or maskinskada claim. Reimbursement is 75% of the daily and mileage cost of a comparable rental car, or a flat 150 SEK/day, for up to 80 days (14 days if the vehicle is not repaired). Included automatically in Stor Helförsäkring/Stor Halvförsäkring; a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Clause 3.5.1Page 19

Section: 3.5.1 Hyrbil

Kostnad för hyrbil ersätts vid skada med 75 % av dygns- och kilometerkostnaden för standardutrustad bil av motsvarande storlek.

Conditional

Accident cover for driver/passengers (Trafikolycksfall)

SEK 600K

Pays compensation for medical invalidity or death of the driver/passengers from a traffic accident with the insured vehicle, with no deductible. Maximum compensation for 100% medical invalidity is 600,000 SEK (reduced by 2.5 percentage points per year of age above 45 at the time of the accident); a separate flat death benefit of 50,000 SEK applies if death occurs within two years of the accident. Included automatically in Stor Helförsäkring/Stor Halvförsäkring; a paid optional add-on for standard Helförsäkring/Halvförsäkring.

Clause 3.5.6Page 21

Section: 3.5.6 Trafikolycksfall

Försäkringsbeloppet vid fullständig (100 procent) medicinsk invaliditet är 600 000 kr.

Key conditions

Driver age and experience limit

The insurance does not cover damage occurring while the vehicle was driven by a driver under 24 years old or a driver holding a probationary licence, unless the policyholder declared at inception that such a driver would be driving the car. The compulsory Trafikförsäkring (MTPL) always applies regardless of this restriction.

Repair network requirements

Dina Försäkring AB decides whether the vehicle is repaired, replaced with an equivalent vehicle, or settled in cash, and has the right to choose the repairer and the source of replacement parts; towing/recovery must go to a workshop designated by Paydrive.

Anti-theft requirements

The vehicle must be locked with an approved anti-theft device whenever left unattended; keys must be stored securely, not in or immediately next to the vehicle; removed parts/accessories must be locked in a space accessible only to the policyholder. Non-compliance reduces compensation by 6,500 SEK if the device was not activated, 10% of the loss (min. 6,500 SEK) if the key was not stored carefully, or 50% of the loss for accessory theft from an unlocked vehicle or improperly stored removed parts.

Claim notification deadline

Claims must be reported to Paydrive without delay. Theft, vandalism and collisions with wild animals must also be reported to the police; a police report must be attached to the claim for wild-animal-collision and stolen/lost-key claims to be paid.

Deductible rules

Base deductibles (unless otherwise stated on the policy schedule): traffic damage 1,000 SEK; theft/rescue/fire/allrisk 1,500 SEK; glass damage 1,500 SEK (0 SEK if repaired rather than replaced); machinery damage 1,500 SEK for vehicles 0-2 years old, 4,000 SEK for 2-10 years; legal protection 25% of cost (min. 1,500 SEK); crisis therapy no deductible; vehicle damage (vagnskada) 4,000 SEK. Special deductibles: a traffic-crime deductible of 10% of the price base amount applies if the driver lacked a valid licence, was intoxicated, or caused the damage intentionally/through gross negligence; double deductible for machinery damage on directly (parallel) imported vehicles.

Direct payment

Dina Försäkring AB/Paydrive decides whether a damaged vehicle is repaired, replaced with an equivalent vehicle, or settled in cash, and chooses the repairer and parts supplier. For vehicles bought on instalment/credit or leased, the insurer may pay compensation directly to the seller or lessor up to their outstanding claim.

Territorial scope

Cover applies in the countries covered by the Green Card Agreement and during transport between them. Trafikförsäkring (MTPL) applies worldwide under the Traffic Damage Act for damage caused by a Swedish-registered vehicle to a Swedish citizen or resident. Cover does not apply on race tracks (e.g. Nürburgring, Anderstorp, Mantorp) and non-MTPL cover lapses if the vehicle has been abroad continuously for more than 182 days.

Documents

Insurance terms and conditions - car insurance (effective 13 Feb 2025) (opens in a new tab)

Terms & conditions · PDF

Pre- and post-purchase information (IPID-equivalent), 29 June 2023 (opens in a new tab)

Product information sheet · PDF

Purchase terms (Köpvillkor), effective 8 March 2023 (opens in a new tab)

Policy specifics

All-risk coverage

Always included in Paydrive full insurance (comprehensive coverage), covering sudden and unforeseen events in the vehicle and cargo area

SourceClause 3.3.5Page 13

Section: 3.3.5 Allrisk

skada i kupé och bagageutrymme genom plötslig och oförutsedd händelse på inredningen i bilens kupé eller bagageutrymme.

Vehicle damage (vagnskadeförsäkring)

Compensation for damage to own vehicle from traffic accident or intentional vandalism - included only in full insurance

SourceClause 3.4Page 18

Section: 3.4 Vagnskada

skada på ditt fordon genom uppsåtlig skadegörelse av tredje man.

Usage-based pricing (milbaserad försäkring)

Premium divided into fixed part (parked vehicle risk) and variable part (per mile driven), unique to Paydrive

SourceClause 8.2Page 29

Section: 8.2 Premieberäkning

Den totala månadspremien är summan av dygnspremien gånger antalet dagar i månaden plus antalet körda mil föregående månad multiplicerat med försäkringsperiodens fastställda milpremie.

Telematics device (bilbox/tag)

Required to collect driving data for personalized pricing; either device-based or direct connection from connected vehicles

SourceClause 8.2Page 29

Section: 8.2 Premieberäkning

antal körda mil och kördata som samlas in av Bilboxen eller direkt från de bilar som erbjuder datadelning direkt från bilens egen dator

Plus Package (optional add-on)

Optional monthly add-on (99 SEK) including assistance, self-deductible reduction, animal collision, vandalism, parking damage, rental car (3-60 days), traffic accident

Source

Extra EV/hybrid machinery protection

For fully electric, plug-in hybrid and hybrid vehicles, the standard Maskinskada module also covers unique EV/hybrid components (high-voltage battery excl. leased batteries, onboard charger, high-voltage cabling, cooling system, voltage converters, energy recovery system, owner-owned charging box/post), for vehicles driven up to 200,000 km, at no extra premium.

SourceClause 3.3.4.1Page 13

Section: 3.3.4.1 Maskinskada: hybriddrift, plug-in-hybrid och eldrift ("Extra elbilsskydd")

Gäller på bilar upp till 20 000 mil

Double deductible (disconnected device)

If telematics device is disconnected or data sharing approval is withdrawn, insurance operates with double deductible

SourceClause 8.3.1Page 30

Section: 8.3.1 Påverkan på premien vid urkopplad Bilbox eller utebliven datadelning

En extrapremie på 3 gånger dygnspremien tas ut för varje dag som Bilboxen är urkopplad utan giltigt skäl och avtal om datadelning med Paydrive inte är godkänt

Crime deductible (brottssjälvrisk)

Traffic insurance applies with special crime deductible of 10% of price base amount if driver lacked valid license, was DUI, caused damage intentionally, or showed gross negligence

SourcePage 9

Section: 3.2 Trafikförsäkring > Särskilda självrisker

Trafikförsäkringen gäller, utöver eventuell grundsjälvrisk, med en brottssjälvrisk på 10 % av prisbasbeloppet för det år skadehändelsen inträffade om föraren fört fordonet utan att ha giltigt körkort

Three-month renewal cycle

Insurance automatically renews every 3 months; pricing locked during period; new policy letter issued 14 days before renewal with updated pricing based on driving data

SourceClause 8.1Page 29

Section: 8.1 Försäkringstiden

Försäkringen förnyas automatiskt vid huvudförfallodagen. Vi tillgängliggör ett nytt försäkringsbrev till dig på Mitt Paydrive och mailar en notifiering till dig om detta 14 dagar före huvudförfallodagen.

No binding period or notice period

Can cancel insurance at any time without providing reason; must be cancelled by policyholder

Source

Direct settlement by underwriter

For financed or leased vehicles, insurer (Dina Försäkring AB) retains right to pay compensation directly to seller/lessor up to their remaining claims; can decide repair method and vendor

SourcePage 5

Section: 1. Vem försäkringen gäller

Har försäkringstagaren köpt fordonet på avbetalning eller kredit har Dina Försäkring AB rätt att lämna ersättning till säljaren (intill säljarens återstående fordran).

Young/probationary driver exclusion

The insurance does not apply to a claim caused while a driver under 24 or a driver with a probationary licence was driving, unless declared at policy inception that such a driver would drive the car; the compulsory Trafikförsäkring is unaffected by this exclusion.

SourceClause 4.2Page 22

Section: 4.2 Försäkringen gäller inte > Förare under 24 år eller förare med körkort under prövotid

Försäkringen gäller inte om en förare under 24 år eller en förare med körkort under prövotid kört fordonet vid skadetillfället. Däremot gäller försäkringen om försäkringstagaren vid tecknandet försäkringen angivit att en förare under 24 år eller förare med körkort under prövotid kommer att köra bilen.

Sources

Paydrive Casco (own-damage car insurance)

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