Trygg-Hansa Försäkring filial
Trygg-Hansa
Trygg-Hansa is a motor casco insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
Trygg-Hansa decides whether a claim is settled by repair, cash compensation, or replacement, and determines where the vehicle is repaired or replaced. Repairs must be pre-approved; if you do not contact Trygg-Hansa before arranging repair, towing, a rental car or replacement, reimbursement is capped at what their contracted supplier would have charged. Trygg-Hansa acts as your agent with the workshop, but you remain the formal customer (beställare), so consumer-protection complaint rights under the Consumer Services Act apply to you.
Geographic scope
Sweden
Valid in countries covered by the Green Card system and during transport between them; in practice covers most European countries plus some non-European Mediterranean countries, with a Green Card required for certain countries.
Unique selling points
- Bilförsäkring stor is rated 4.8 out of 5 by Konsumenternas Försäkringsbyrå, Trygg-Hansa's top-ranked motor cover.
- Halvförsäkring automatically upgrades to full helförsäkring (with vagnskada cover) once the car turns three years old, so you're never left with a coverage gap.
- Sign up online and get a 5% discount on your car insurance, on top of any multi-policy discount.
- Bundle several policies with Trygg-Hansa for up to 20% combined discount on your car and other insurances.
- Customers can order a free windscreen stone-chip repair patch to keep in the car at no extra cost.
Coverage limits
Own damage (collision) - Vagnskada
Conditional
Covers damage to your own vehicle from traffic accidents, other accidental events outside the vehicle, and intentional damage by a third party. Only included in Helförsäkring (full casco); not included in Halvförsäkring (partial casco). Settled at the vehicle's market value immediately before the loss; new-car replacement (nybilsersättning) is available for vehicles under 1 year old with at most 2,000 mil driven (extended to 2 years/4,000 mil under the Bilförsäkring stor add-on) if repair costs exceed 50% (80% under Bilförsäkring stor) of market value.
Total loss settlement
Conditional
A total loss is settled at the vehicle's market value immediately before the loss (E.4). New-car replacement (nybilsersättning) applies instead of market value when the vehicle is under 1 year old (2 years under Bilförsäkring stor), has been driven at most 2,000 mil (4,000 mil under Bilförsäkring stor), was sold new by a Swedish general agent, has been continuously owned by you, and repair costs exceed 50% (80% under Bilförsäkring stor) of market value. For stolen vehicles not recovered, Trygg-Hansa waits 30 days after the police report before finalizing the claim.
Partial loss / repair settlement
Covered
Repairable damage is settled at market value; damaged parts are replaced with equivalent used parts where possible. Fitted equipment (e.g. rims, navigation, tow-bar cover, child seats) is subject to a standard age-depreciation schedule, and tyres are written down 15% per millimetre of tread wear from the original depth.
Theft and burglary
Covered
Covers theft, unlawful taking (tillgrepp), robbery, attempted theft/robbery, and intentional damage committed in connection with these events. Included in both Halvförsäkring and Helförsäkring. The deductible is waived if the vehicle was fitted with a tracker meeting SSF norm 1073, or a Trygg-Hansa approved tracker, that was active at the time of the theft.
Glass damage
Covered
Covers a windscreen, side window, rear window, or cowl/windscreen-shield glass that is pierced, cracked, or shattered, e.g. by a stone chip. Excludes sunroof and headlamp glass, damage occurring in a collision, rollover or off-road event, and deliberate vandalism, which is instead settled under Vagnskada (Helförsäkring). Included in both Halvförsäkring and Helförsäkring.
Fire, lightning and explosion
Covered
Covers damage from fire that has broken loose, lightning strike, explosion, and arson committed by another person. Does not cover freezing, wet damage, corrosion, or short-circuits that do not develop into fire. Storm, flood and hail are not separately covered for vehicles under this policy. Included in both Halvförsäkring and Helförsäkring.
Vandalism / deliberate damage by a third party
Conditional
Full protection against intentional damage caused by a third party is only included via Vagnskada in Helförsäkring. In Halvförsäkring, vandalism is covered only when it occurs in connection with a theft, attempted theft, or robbery. The optional Självriskrabatt add-on can reduce the vagnskada deductible by up to 6,000 SEK (private vehicles) or 20% of a prisbasbelopp (company vehicles) for vandalism claims, or pay up to 3,500 SEK if you lack vagnskadeförsäkring.
Roadside assistance / towing
Covered
Covers towing of the insured vehicle (and any attached caravan/trailer) to the nearest repair shop after theft (once recovered), damage, or other breakdown, plus reasonable travel costs to retrieve the vehicle (250 SEK/day if retrieval takes more than 7 hours) and transport home for driver/passengers. For electric vehicles, towing to the nearest charging station is covered if the traction battery is depleted during a journey. Does not cover breakdowns caused solely by running out of fuel. Included in both Halvförsäkring and Helförsäkring.
Rental car / replacement vehicle (Hyrbil)
Optional
Optional add-on for private cars/light trucks providing either a rental car (75% of daily and per-km cost of an equivalent-size car, plus fuel compensation for EVs/plug-in hybrids) or fixed daily compensation (150 SEK/day for privately or company-owned cars, 200 SEK/day for company-owned light trucks) for up to 65 days while the insured car is repaired after a claim covered by fire, glass, theft, motor/electronics, drulle or vagnskada cover, or for up to 7 days (max twice per period) after an uncovered breakdown.
Private care and medical invalidity compensation after a traffic accident
SEK 600,000
Optional add-on covering medical invalidity compensation of up to 600,000 SEK per person for bodily injury suffered as a result of traffic with the insured vehicle, plus treatment cost cover of up to 2,000,000 SEK per claim (private care, vårdgaranti of specialist contact within 6 working days and hospital admission within 14 working days) for drivers and passengers aged 16-64. No deductible applies.
Key conditions
Driver age and experience limit
Drivers under 24 trigger an additional 'youth' deductible (ungdomssjälvrisk) on top of the normal deductible: +2,000 SEK for privately owned cars/light trucks if not pre-notified, +1,000 SEK for privately or company-owned motorhomes, motorcycles or snowmobiles, and +5% of a prisbasbelopp for company-owned cars/light trucks. Policyholders themselves who are under 24 and driving are exempt from this surcharge. A higher vagnskada youth deductible also applies (e.g. +10,000 SEK for motorcycles driven by someone other than the policyholder/spouse).
Repair network requirements
Trygg-Hansa decides how compensation is paid (repair, cash or replacement) and where the vehicle is repaired or replaced. You must contact Trygg-Hansa before arranging repair, towing, replacement or a rental car — otherwise reimbursement is capped at what their contracted supplier would have charged. Trygg-Hansa acts as your agent with the workshop, but you remain the customer of record so consumer-protection complaint rights apply.
Territorial scope
Casco cover (Halv- and Helförsäkring) applies in countries covered by the Green Card system and during transport between them. In practice, Trygg-Hansa's motor policies apply in most European countries and some non-European Mediterranean countries; some countries require you to carry a Green Card.
Anti-theft requirements
Keys and smart keys must be kept securely away from the vehicle and must not carry any marking linking them to the owner or vehicle; lost keys must be immediately recoded by an authorized workshop. Vehicles must meet vehicle-specific lock requirements (e.g. ignition lock for cars; two SSF-approved locks of at least class C/3 for motorcycles; a class B/3 lock for mopeds; an SSF-approved coupling lock for caravans/trailers). Where stated on the insurance certificate, additional anti-theft equipment (tracker, immobilizer, storage requirement, alarm) may be required; failing to meet these requirements normally reduces compensation by 25%.
Claim notification deadline
Claims must be reported to Trygg-Hansa without delay. Theft, burglary, robbery, or deliberate damage must also be reported to the police. For a stolen vehicle, Trygg-Hansa waits 30 days from the police report before finalizing the claim if the vehicle has not been recovered. The right to claim compensation lapses if legal action is not brought within 10 years of the loss event.
Deductible rules
The applicable deductible for each coverage module is stated on the insurance certificate (försäkringsbrev) and varies by module. Extra deductibles apply for drivers under 24 (ungdomssjälvrisk), for offences such as driving without a valid licence or under the influence (brottssjälvrisk, 10% of a prisbasbelopp), and for company vehicles colliding with aircraft (20 prisbasbelopp) or hitting overhead structures (50% of a prisbasbelopp). If one event triggers several deductibles within the policy, only the single highest deductible is charged (the traffic-insurance deductible is always added on top separately). The optional Självriskrabatt and Bilförsäkring stor add-ons can reduce or halve specific deductibles.
Where to buy
Documents
Terms and conditions - Motor vehicle insurance (P00297)
Terms & conditions
Policy specifics
Accidental damage coverage (Drulle)
Covers sudden and unforeseen events such as wrong fuel fill-up, lost keys, and damage to interior; included in both half and full casco without separate premium
SourceCollision damage coverage
Covers damage to the insured vehicle caused by traffic accident, vandalism, or other external accident; only available in full casco (helförsäkring), not in partial casco (halvförsäkring)
SourceTowing and roadside assistance
Includes towing to nearest service station and return transport for driver and passengers; included in both half and full casco
SourceEngine and electronics coverage
Covers damage to engine, transmission, and electronic systems; included in partial and full casco coverage
SourceTheft and burglary coverage
Covers theft of vehicle and burglary with or without damage; included in both partial and full casco
SourceVehicle age and mileage restrictions
Certain coverages (drulle, motor and electronics) only apply to vehicles up to 8 years old with mileage limits; coverage automatically converts or ceases upon reaching limits
SourceManufacturer vehicle damage warranty interaction
New vehicles often include 3-year manufacturer damage warranty; half casco is sufficient if warranty covers collision damage, eliminating need for full casco
SourceDeductible selection and variation
Deductible amounts vary by coverage component and may have different levels (e.g., 1,800 SEK vs 3,000 SEK for drulle); traffic insurance typically has 1,000 SEK deductible
Source