Santander bilförsäkring i samarbete med Trygg-Hansa
Santander bilförsäkring i samarbete med Trygg-Hansa is a motor casco insurance for the SE market with no online purchase and 24/7 assistance.
Direct payment
Trygg-Hansa handles all claims directly; the policyholder contacts Trygg-Hansa at trygghansa.se/skada or 0771-111 500 to report a claim. Repairs must be pre-approved by Trygg-Hansa, who directs the insured to contracted workshops. Trygg-Hansa pays the workshop directly or reimburses the insured after settlement.
Geographic scope
SE
Gäller i alla länder anslutna till Gröna kort-systemet och vid transport mellan dessa länder. Trafikförsäkringen gäller globalt för svenska medborgare eller personer bosatta i Sverige vid skada i trafik med ett svenskregistrerat fordon.
Unique selling points
- Rated 4.8 out of 5 by Konsumenternas Försäkringsbyrå – top-ranked Swedish car insurance since April 2018 under the 'Bilförsäkring stor' tier.
- Motor and electronics coverage included as standard up to 8 years/150,000 km (extended to 10 years with Bilförsäkring stor), including EV battery and drivetrain components with no age deduction for battery damage.
- 24/7 emergency helpline (0771-111 510) with immediate towing to nearest workshop included, plus EV-specific towing to nearest charging station when battery runs out during driving.
- Optional 'Bilförsäkring stor' bundle halves the standard deductible across traffic, fire, theft, motor/electronics and drulle claims, and includes all add-ons (rental car, deductible reduction, private medical care) in a single package.
- New-car replacement guarantee (nybilsersättning) for private cars under 1 year old/2,000 km driven, extended to 2 years/4,000 km with Bilförsäkring stor – replacing a written-off vehicle with a brand-new equivalent model.
Coverage limits
Own vehicle damage (vagnskada)
Covered
Covers damage to the insured vehicle caused by traffic accidents, other external accidents (e.g. a tree falling on the car), and intentional vandalism by a third party. Included in the helförsäkring tier. Excludes damage caused by animals or insects inside the vehicle, corrosion, freezing, moisture, construction/manufacturing/material defects, wear, and damages covered by brand or theft insurance.
Total loss / write-off
Covered
In the event of a total loss, Trygg-Hansa determines compensation based on market value immediately before the loss event. New-car replacement (nybilsersättning) is available for private passenger cars under 1 year old and driven less than 2,000 km where repair costs exceed 50% of market value; extended to 2 years/4,000 km with 'Bilförsäkring stor'. The insurer takes ownership of the written-off vehicle.
Partial loss / repair
Covered
Covers repair costs for partial damage to the insured vehicle as a result of traffic accidents, external accidents, or third-party vandalism. Trygg-Hansa decides the repair method and directs the insured to contracted workshops. Repair is valued at market value; age and wear deductions may apply to some components. Aftermarket audio/video equipment is capped at SEK 40,000.
Theft and robbery
Covered
Covers the insured vehicle and its equipment against theft, vehicle misappropriation (tillgrepp), robbery, attempted theft/robbery/robbery, and intentional damage in connection with these events. Included from halvförsäkring level upward. Excludes theft by household members or the company, unauthorized use (olovligt brukande), and embezzlement/fraud. Waiting period: 30 days from police report before final settlement on total vehicle theft.
Glass / windscreen damage
Covered
Covers cracked, shattered or broken windscreen, side windows and rear window. No excess for windscreen repair (chip); deductible applies for full replacement (as per insurance certificate). Excludes sunroof glass, light glass, and glass damage caused by collision, rollover or running off the road, as well as intentional vandalism (covered instead by theft/vandalism section).
Natural perils / fire (brand)
Covered
Covers damage caused by fire (open flame), lightning strike and explosion, including arson by a third party without the policyholder's consent. Included from halvförsäkring level. Excludes damage to mufflers, tyres or hoses caused by fire or explosion within those components, short-circuit not developing into fire, freezing/moisture/corrosion, and body damage immediately before or after a fire event (covered instead by vagnskada).
Vandalism / intentional damage
Covered
Covers intentional (uppsåtlig) damage to the vehicle by a third party, included as part of vagnskada (helförsäkring). Intentional damage in connection with theft/robbery is covered under the theft section. A deductible reduction of up to SEK 6,000 (private) is available via the optional Självriskrabatt add-on (included in Bilförsäkring stor). Police report required for vandalism claims.
Roadside assistance and towing (bärgning)
Covered
Covers towing to the nearest workshop able to carry out repairs when the vehicle has been stolen and recovered, damaged, suffered any other breakdown, or stolen and recovered after the journey continued by other means. Also covers transport of driver and passengers to home address within Scandinavia using the cheapest means when the vehicle is damaged or stolen. For EVs, towing to the nearest charging station is included if the propulsion battery runs out during driving. Breakdown due to running out of fuel is excluded. Emergency number 0771-111 510 available 24/7.
Rental car / replacement vehicle (hyrbil)
Optional
Optional add-on covering 75% of daily and per-kilometre rental car costs for a vehicle of equivalent size for up to 65 days when the insured vehicle cannot be used due to a covered loss. Alternatively, a cash allowance of SEK 150/day (private car) or SEK 200/day (commercial van) is available instead of renting. In the event of total loss, compensation is provided for up to 14 days after notification of write-off decision. If the vehicle cannot be used due to a breakdown not covered by the policy, compensation is available for up to 7 days (max twice per policy year). This add-on is included in Bilförsäkring stor.
Driver and passenger accident / medical invalidity (privat vård och ersättning för medicinsk invaliditet)
Optional
Optional add-on covering bodily injury to the driver and passengers resulting from a traffic accident with the insured vehicle. Provides: (1) compensation for medical invalidity up to SEK 600,000 per person, calculated as invalidity percentage × SEK 600,000; (2) treatment costs for private medical care up to SEK 2,000,000 per claim (for persons aged 16–64), coordinated through Trygg-Hansa's care planning service; (3) a care guarantee (specialist within 6 working days, hospital admission within 14 working days). No deductible. Included in Bilförsäkring stor.
Key conditions
driver_age_experience_limit
An additional youth excess (ungdomssjälvrisk) of SEK 2,000 applies to private vehicles for vagnskada claims when the driver was under 24 years of age and this was not pre-reported to Trygg-Hansa. For company-owned vehicles the youth excess is 5% of the price base amount. For trafikförsäkringen, a youth excess of SEK 2,000 (private) or 5% of price base amount (company) applies when driver is under 24. The policyholder (if themselves under 24 and driving) is exempt from the youth excess.
repair_network_requirements
All repairs must be pre-approved by Trygg-Hansa. The insured must contact Trygg-Hansa before arranging repairs, towing or car hire. Trygg-Hansa determines the repair method and may direct the insured to a contracted repairer. If the insured uses a non-contracted repairer without prior approval, Trygg-Hansa will only reimburse what it would have cost using its own contracted network.
territorial_scope
The insurance is valid in all countries connected to the Green Card system and during transport between these countries. Trygg-Hansa's website and tff.se list applicable countries. The third-party liability (trafikförsäkring) covers Swedish citizens and Swedish residents globally for accidents with Swedish-registered vehicles under trafikskadelagen (1975:1410).
anti_theft_requirements
When leaving the vehicle, the key must always be taken along (also during loading/unloading). Keys must be stored securely and never in or near the vehicle. Keys must not be labelled with name, address or registration number. Lost keys must be immediately decoded at an authorised workshop. Vehicles must be locked with the ignition lock when parked. Removed parts and equipment must be stored locked in premises accessible only to the owner/family. If a GPS tracker meeting SSF 1073 standard or approved by Trygg-Hansa is fitted and active at the time of theft, the deductible for theft is waived.
claim_notification_deadline
Claims must be reported to Trygg-Hansa without delay (snarast). Police reports are required for theft, burglary, intentional vandalism and robbery. For total vehicle theft, both a police report and contact with the tracking centre must be made immediately. The general limitation period is 10 years from the date the insurable event occurred. Businesses must file their claim within 1 year of the event date.
deductible_rules
Deductibles (självrisker) for vagnskada (own damage): private car - selectable at SEK 3,500, 4,500 or 6,000; company car - 10%, 15% or 20% of price base amount. Glass repair (chip): no deductible; glass replacement: per insurance certificate. Brand (fire): private SEK 1,500; company 5-10% of price base amount. Theft: per insurance certificate. Motor & electronics: private SEK 1,500 (≤4,000 km), SEK 5,000 (4,001–10,000 km), SEK 8,000 (10,001–15,000 km); company varies by km from 10% to 50% of damage cost (minimum 10% of price base amount). With Bilförsäkring stor the deductible for traffic, fire, theft, motor and drulle is halved. Optional Självriskrabatt reduces vandalism, wildlife collision and approved parking deductibles by up to SEK 6,000 (private). Zero excess on theft if approved GPS tracker fitted.
Where to buy
Policy specifics
Accidental damage (drulle)
Coverage for accidental damage to the car's interior such as spilled coffee, lost keys, or wrong fuel tanking
Towing and roadside assistance (bärgning och vägassistans)
Coverage for towing to nearest workshop and return journey for passengers if vehicle breaks down
Motor and electronics coverage
Coverage for damage to engine, transmission, electronics and for electric vehicles includes battery damage without wear deduction
Rental car coverage (Hyrbilsförsäkring)
Coverage for rental car costs while own vehicle is being repaired, or cash compensation if rental not used
Deductible reduction (Självriskrabatt)
Optional add-on that reduces deductible for wildlife collisions, vandalism, and approved parking damage
Care and compensation after traffic accident (Vård och ersättning efter trafikolycka)
Coverage providing extended medical care and compensation for injuries and permanent disabilities for all passengers
Warranty coverage (vagnskadegaranti)
Factory warranty for damage coverage included with new cars for first 3 years
Car owner and primary user requirement
Insurance only applies if named policyholder is the actual owner and primary user of the vehicle
International coverage (European and Mediterranean)
Insurance covers vehicle in most European countries and some non-European countries around Mediterranean
Vehicle age restrictions
Certain coverage (motor/electronics) has age limits; full coverage recommended for vehicles over 3 years
Deductible/excess options
For full coverage (helförsäkring), customer can choose deductible of 3,500, 4,500, or 6,000 SEK
Traffic insurance is mandatory
Swedish law requires all vehicles in traffic to have third-party liability (traffic) insurance
Windscreen damage (rock chip)
Coverage for windscreen breakage or cracks from external impact such as stone chips