Insurer profile
Folksam (Folksam ömsesidig sakförsäkring / Folksam ömsesidig livförsäkring)
Folksam is one of Sweden's largest customer-owned (mutual) insurance groups, comprising Folksam ömsesidig sakförsäkring (non-life) and Folksam ömsesidig livförsäkring (life). Founded in 1908, it offers a broad range of personal and commercial insurance, pension savings and long-term savings products. Nearly every second person in Sweden is insured with Folksam.
Source- Legal entity
- Folksam (Folksam ömsesidig sakförsäkring / Folksam ömsesidig livförsäkring)
- Headquarters
- Stockholm, Sweden
- Regulator
- Swedish Financial Supervisory Authority (Finansinspektionen)
- Phone
- +46 771 950 950
- kundservice@folksam.se
- Last verified
- May 2, 2026
Products from Folksam (Folksam ömsesidig sakförsäkring / Folksam ömsesidig livförsäkring)
motor
Car Insurance (Traffic)
Mandatory third-party motor liability insurance covering injury to other drivers, passengers, and third parties.
motor
Car Insurance (Half / Comprehensive)
Half- and fully comprehensive car insurance covering theft, glass damage, fire, roadside assistance, and own-damage (helförsäkring).
motor
Electric Car Insurance
Specially designed insurance for electric vehicles with discounts for safe and environmentally friendly cars.
motor
Classic/Collector Vehicle Insurance
Insurance for historic/collector vehicles at least 20 years old, used for leisure driving only.
motor
Motorcycle Insurance
Insurance for motorcycles including traffic, half, and fully comprehensive cover.
motor
Moped Insurance
Insurance for mopeds covering traffic liability and optional comprehensive cover.
motor
Moped Car Insurance
Insurance for moped cars (A-tractors) including traffic and comprehensive cover.
motor
Motorhome Insurance
Insurance for motorhomes covering traffic, fire, theft, and own damage.
motor
Snowmobile Insurance
Insurance for snowmobiles including traffic liability and comprehensive cover.
motor
A-Tractor / EPA Tractor Insurance
Insurance for A-tractors and EPA tractors covering traffic liability and comprehensive cover.
motor
Electric Scooter Insurance
Insurance for electric scooters (e-scooters) covering liability and damage.
property
Home Insurance (Rental/Tenant)
Tenant home insurance covering personal belongings, liability, travel protection, and legal expenses.
property
Condominium (Bostadsrätt) Insurance
Insurance for owner-occupied apartments covering both personal property and the unit's interior surfaces and fixtures.
property
Freehold Apartment (Ägarlägenhet) Insurance
Insurance for freehold apartment owners covering both personal belongings and building elements.
property
Student Home Insurance
Home insurance tailored for students, covering personal belongings and liability at a favourable price.
property
Villa Insurance
Combined home and building insurance for house owners, covering personal property, the house structure, and the plot.
property
Holiday/Summer Cottage Insurance
Insurance for leisure and holiday homes covering the building, contents, and liability.
other
Boat Insurance
Year-round boat insurance covering collision, fire, theft, grounding, and boat assistance throughout the Nordic region.
health
Child Insurance
Accident and illness insurance for children, providing compensation for injury, sickness and disability.
health
Pregnancy Insurance
Insurance for pregnant women and their unborn child, covering complications and congenital conditions.
health
Accident Insurance
Personal accident insurance providing compensation for injuries sustained in accidents.
health
Sickness and Accident Insurance
Combined sickness and accident insurance covering both illness and injury compensation.
health
Illness Insurance (Sjukförsäkring)
Income replacement insurance providing compensation in the event of prolonged illness.
health
Health Care Insurance
Private health care insurance giving access to faster medical treatment and specialist care.
life
Life Insurance
Term life insurance paying a lump sum to beneficiaries upon the insured's death.
life
Diagnosis Insurance
Critical illness insurance paying a lump sum upon diagnosis of specified serious conditions.
life
Sickness and Survivor Insurance
Combined sickness and survivor benefit insurance providing income protection and a death benefit.
financial
Income Protection Insurance
Insurance that compensates for lost income in the event of involuntary unemployment.
health
Student Insurance
Accident and sickness insurance tailored for students.
health
Senior Insurance
Accident and care insurance specially designed for seniors.
pet
Dog Insurance
Veterinary care insurance for dogs available in three levels (Bas, Mellan, Stor) covering illness, injury, and congenital defects.
pet
Cat Insurance
Veterinary care insurance for cats available in multiple coverage levels covering illness, injury, and congenital defects.
pet
Horse Insurance
Insurance for horses with multiple coverage packages for veterinary care, liability, and life.
travel
Travel Insurance
Travel insurance covering medical expenses, cancellation, baggage, and emergency repatriation abroad.
health
Sports Insurance
Accident insurance for sports clubs and athletes covering injuries during training and competitions.
health
Sports Event (Running Race) Insurance
Accident insurance for participants in road races and fitness events.
property
Business Insurance
Flexible commercial insurance for businesses of all sizes covering property, liability, and interruption.
liability
Professional and Occupational Liability Insurance
Liability insurance for professionals and businesses covering claims arising from errors or omissions in professional activities.
Regulatory updates
In 2024, Finansinspektionen announced an investigation into whether Folksam Liv and Folksam Sak (along with KPA Pension and Pensionsmyndigheten) followed applicable rules in connection with their investments in the real-estate company Heimstaden Bostad. Folksam's operations continue to be supervised by Finansinspektionen under Swedish insurance law.