WaterCircles Sverige AB
WaterCircles
WaterCircles is a motor casco insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Premiums can be paid annually, semi-annually or monthly via invoice, Kivra, e-invoice or autogiro. An invoice fee of 35 SEK applies to paper invoices, and a 10 SEK fee applies to monthly Kivra/e-invoice payments. The premium must be paid within 14 days of the premium notice being sent.
Geographic scope
EU/EEA, plus Andorra, Gibraltar, San Marino, Switzerland, United Kingdom, Vatican City and Åland; laid-up cover (Avställningsförsäkring) only in Sweden
Casco cover applies within the EU/EEA and listed additional countries. Traffic (MTPL) insurance applies worldwide under the Swedish Traffic Damage Act for Swedish-registered vehicles causing harm to Swedish citizens/residents. Laid-up cover applies only in Sweden.
Unique selling points
- WaterCircles' Superbil full cover is top-rated 4.6 out of 5 by Konsumenternas Försäkringsbyrå, Sweden's independent consumer insurance bureau.
- A 24/7 claims hotline (skadejour) is available around the clock for sudden damage.
- The car insurance is eco-labelled with Bra Miljöval, directing repairs and replacements toward environmentally sustainable methods and materials.
- Superbil eliminates the deductible entirely for approved parking damage and cuts the deductible to just 3,500 SEK for an approved vagnskadegaranti claim.
- Getting a quote online comes with a 20% discount already deducted from the standard price.
Coverage limits
Own damage / collision cover (Vagnskadeförsäkring)
Conditional
Only in Helförsäkring, Superbil (helförsäkring)
Covers damage to the insured vehicle from a traffic accident, other sudden and unforeseen external event, malicious damage (vandalism) or during transport of the vehicle. Compensation is based on the vehicle's market value; no fixed sum insured. Deductible is selectable: 3,500, 6,000 or 10,000 SEK. Included only in Helförsäkring and the Helförsäkring variant of Superbil; not included in Halvförsäkring.
Total loss settlement
Conditional
Only in Halvförsäkring, Helförsäkring, Superbil
Compensation is based on the vehicle's market value immediately before the loss. If repair is not economical relative to market value, or the vehicle is not recovered after theft, the insurer pays the market value. For vehicles older than 30 years, compensation for fire, glass, theft and collision damage is capped at 100,000 SEK. Applies where Vagnskadeförsäkring (Hel/Superbil) or the relevant peril cover is in force.
Partial damage / repair cover
Conditional
Only in Halvförsäkring, Helförsäkring, Superbil
Repair costs for partial damage are covered under the relevant peril (fire, glass, theft, machine/electronics, vagnskada). Used/refurbished parts may be used where possible. For vehicles older than 30 years, compensation for fire, glass, theft and collision damage is capped at 100,000 SEK.
Theft cover (Stöld)
Covered
Only in Halvförsäkring, Helförsäkring, Superbil
Covers theft or attempted theft of the whole vehicle, or of detached wheels and certain other equipment. Deductible is 2,000 SEK. Compensation for stolen/detached wheels is capped at 35,000 SEK; this cap does not apply to theft of the whole vehicle. Cover does not apply if a household member or another person with access to the vehicle uses it without permission. Included in Halvförsäkring, Helförsäkring and Superbil.
Glass damage (Glas)
Covered
Only in Halvförsäkring, Helförsäkring, Superbil
Covers a perforated, cracked or shattered window. Deductible is 1,500 SEK for a window replacement and 0 SEK for a repair. Does not cover glass damage from collision, rollover or driving off the road (covered instead under Vagnskadeförsäkring). Included in Halvförsäkring, Helförsäkring and Superbil.
Natural perils (fire/lightning under Brand; storm/other sudden external events under Vagnskadeförsäkring)
Conditional
Only in Halvförsäkring, Helförsäkring, Superbil
There is no separately named 'natural perils' cover. Damage caused by fire, lightning and explosion is covered under 'Brand' (included in Halv-/Hel-/Superbil, deductible 1,000 SEK). Other sudden, unforeseen external events (e.g. storm-type damage) fall under Vagnskadeförsäkring, which is only included in Helförsäkring/Superbil (helförsäkring).
Vandalism / malicious damage (skadegörelse)
Conditional
Only in Helförsäkring, Superbil (helförsäkring)
Malicious damage (uppsåtlig skadegörelse) to the vehicle is covered as part of Vagnskadeförsäkring, which is included in Helförsäkring ("Vagnskadeförsäkring inklusive skadegörelse") and in Superbil taken as full cover. Not included in Halvförsäkring.
Roadside/rescue assistance (Räddningsförsäkring) and Vägassistans add-on
Covered
Only in Halvförsäkring, Helförsäkring, Superbil
Räddningsförsäkring covers necessary transport of the person and vehicle if the car is stolen, damaged or breaks down during a trip (excludes running out of fuel; EV breakdown due to lack of charge is covered). Deductible is 1,500 SEK. Included in Halvförsäkring, Helförsäkring and Superbil. The optional add-on Vägassistans additionally covers towing/assistance for accidents, theft, machine/electronic breakdown, punctures, running out of fuel, and locked-out/lost keys, with no deductible, limited to three events per insurance year; it is included automatically in Superbil and otherwise sold as an add-on to Halv-/Helförsäkring.
Rental / replacement car (Miljöhyrbil)
Optional
Only in Halvförsäkring (tillägg), Helförsäkring (tillägg), Superbil (ingår)
Add-on covering an eco-friendly rental car if the insured vehicle cannot be used due to damage covered under Halvförsäkring, Vagnskadeförsäkring or vagnskadegaranti. Pays 75% of the daily and per-km rental cost (same size class), for a maximum of 65 days, with no deductible. If an EV or hybrid is rented instead, 90% of the daily and per-km cost is reimbursed and the replacement car may be of a different size class. Included automatically as part of the Superbil package; otherwise an optional add-on for Halvförsäkring/Helförsäkring.
Accident cover for driver/passengers (Olycksfall)
SEK 600,000
Only in Halvförsäkring (tillägg), Helförsäkring (tillägg), Superbil (ingår)
Covers personal injury to the driver and passengers in a traffic accident involving the insured vehicle. Maximum compensation for medical invalidity is 600,000 SEK and for death is 20,000 SEK. Compensation for medical invalidity is reduced by 2.5% for each year the insured's age exceeds 45. Included automatically in Superbil; otherwise an optional add-on for Halvförsäkring/Helförsäkring.
Key conditions
Driver age and experience limit
No minimum driver age or experience is stated for the base motor policy. However, the optional Accident (Olycksfall) benefit for medical invalidity is reduced by 2.5% for each year the insured's age exceeds 45.
Repair network requirements
WaterCircles' motor insurance is eco-labelled with Bra Miljöval (Naturskyddsföreningen) and directs repairs and buy-backs towards environmentally sustainable methods and materials as far as possible; policyholders may use their own workshop subject to these standards.
Territorial scope
The policy applies within the EU/EEA and in Andorra, Gibraltar, San Marino, Switzerland, the United Kingdom, Vatican City and Åland. Traffic insurance (MTPL) always applies worldwide under the Traffic Damage Act for damage caused by a Swedish-registered vehicle to a Swedish citizen or resident. Laid-up insurance (Avställningsförsäkring) applies only in Sweden.
Anti-theft requirements
The vehicle must always be locked when left unattended. Failure to follow this and other safety regulations may reduce or eliminate compensation depending on how the negligence affected the loss.
Claim notification deadline
Claims should be reported to WaterCircles as soon as possible after the incident; no specific number of days is stated in the source documents.
Deductible rules
Deductibles vary by peril: Trafikförsäkring 1,000 SEK; Brand 1,000 SEK; Glas 1,500 SEK (0 SEK for repair); Stöld 2,000 SEK; Maskin- och elektronikskada 2,000–8,000 SEK depending on mileage driven; Kollision med djur up to 6,000 SEK; Allrisk bil 1,500 SEK; Räddningsförsäkring 1,500 SEK; Rättsskydd 25% of cost (minimum 1,000 SEK); Vagnskadeförsäkring deductible selectable at 3,500, 6,000 or 10,000 SEK. Superbil eliminates the deductible for approved parking damage and reduces the deductible for an approved vagnskadegaranti claim to 3,500 SEK.
Where to buy
Policy specifics
Rental car coverage (Miljöhyrbil)
Automatic eco-friendly rental car provision if insured car cannot be used due to covered damage
SourceRescue insurance (Räddningsförsäkring)
Coverage for transport costs of vehicle and passengers if car breaks down or becomes immobilized due to covered damage
SourceLegal protection (Rättsskydd)
Covers legal and court costs related to disputes concerning the insured vehicle
SourceAccident and crisis assistance (Olycksfall och krishjälp)
Optional add-on providing medical accident coverage (up to 600,000 SEK for full medical invalidity) and crisis assistance for occupants
SourceMachine damage coverage (Maskinskada)
Covers sudden mechanical and electrical failures on car up to 8 years old or max 12,000 miles driven
SourceComprehensive/All-risk coverage (Allriskförsäkring)
Optional add-on providing broad protection against most risks not specifically excluded
SourceAnimal collision coverage (Kollision med djur)
Coverage for damage caused by collision with animals (game/wildlife)
SourceDeductible account (Självriskkonto)
Customer-controlled account allowing policyholders to build and use deductible balance across multiple claims on different insurance types
SourceWaterCircles partner workshops (Våra verkstäder)
Access to WaterCircles approved repair network; company ensures repairs use environmentally sustainable materials and methods
SourceMultiple claims deductible rule (Flera skador vid samma tillfälle)
When multiple damages occur simultaneously (e.g. collision + towing needed) and multiple coverage parts apply, only the highest deductible applies
SourceSuperbil premium package
Premium variant including all optional add-ons; special benefits: zero deductible on parking damage and reduced 5,000 SEK deductible on approved damage waiver claims
SourceTraffic insurance separate deductible
Traffic insurance (mandatory minimum coverage) may carry a separate deductible that must always be paid in addition to other deductibles
Source