Motor third-party liability — Sweden

[1] Bodily injury liability: Covered ↩

Traffic insurance (trafikförsäkring) compensates personal injury to drivers, passengers, pedestrians and other third parties caused by traffic with the insured vehicle, in accordance with the Swedish Traffic Damage Act (trafikskadelagen). No specific monetary cap is stated in the policy documents; compensation follows the rules and limits set out in trafikskadelagen.

211 Trafikförsäkringen gäller enligt reglerna i trafikskadelagen för person- eller sakskada, som är i följd av trafik med fordonet.

[2] Property damage liability: Covered ↩

Traffic insurance compensates property damage caused by traffic with the insured vehicle in accordance with trafikskadelagen. Compensation may be reduced for contributory negligence, but full compensation up to 25% of the price base amount (prisbasbelopp) is always paid regardless of contributory negligence, with reductions applied above that threshold. Damaged clothing and personal belongings carried by an injured driver or passenger are compensated up to 25% of the prisbasbelopp, while lawfully worn helmets and other personal protective equipment damaged in the same event are compensated without a monetary limit. No overall monetary cap for property damage liability is stated; compensation otherwise follows trafikskadelagen.

Oavsett detta betalar försäkringen full ersättning upp till 25 procent av prisbasbeloppet. För den del av skadan som överstiger 25 procent av prisbasbeloppet minskas ersättningen enligt reglerna i trafikskadelagen.

[3] Legal defence: Excluded ↩

Rättsskyddsförsäkring (legal protection for civil disputes and certain criminal cases, up to SEK 300,000) is part of Delkasko and requires at least a Halvförsäkring; it is not included in a stand-alone traffic-only policy. Traffic insurance itself still pays reasonable litigation costs if the policyholder is sued for damages arising from the insured vehicle, and necessary legal representation costs when the policyholder suffers a compensable personal injury, both without a stated monetary cap.

Delkasko består normalt av försäkringsformerna brand-, glas-, stöld-, räddnings-, rättsskydds- och maskin- och elektronikskadeförsäkring samt utökat skydd.

[4] Green card: Covered ↩

Traffic insurance automatically extends to Nordic countries and countries covered by the Green Card agreement, including transport between them. For travel to countries outside this system, policyholders can request a physical Green Card (an international proof of valid traffic insurance) from Dina free of charge; without it, local cover may need to be purchased for the intended period abroad even though the Swedish traffic insurance technically remains in force.

Vissa länder kräver också att du har ett internationellt försäkringsbevis, ett Grönt kort, se Trafikförsäkringsföreningens webbplats www.tff.se. Kontakta oss så skickar vi dig ett Grönt kort med posten.

[5] Passenger accident: Covered ↩

Personal injury to passengers in the insured vehicle is compensated under the no-fault personal-injury scheme of the Swedish Traffic Damage Act as part of traffic insurance, alongside injury to the driver and other third parties; no separate passenger-accident sum insured is stated in the policy documents.

Utöver reglerna i trafikskadelagen kan skadad förare eller passagerare få ersättning upp till 25 procent av prisbasbeloppet för samtidigt skadade kläder och andra personliga tillhörigheter som bars eller medfördes vid skadetillfället.

[6] Bodily injury liability: SEK 300,000,000 ↩

Mandatory traffic insurance covers personal injury to third parties caused by the insured vehicle in accordance with the Traffic Damages Act, up to a maximum of SEK 300 million; coverage applies both inside and outside the vehicle. No compensation is paid for damage to the insured vehicle itself.

[7] Property damage liability: SEK 300,000,000 ↩

Mandatory traffic insurance covers property damage caused to third parties by the insured vehicle in accordance with the Traffic Damages Act, up to a maximum of SEK 300 million. Does not cover damage to the policyholder's own vehicle.

[8] Legal defence: SEK 250,000 ↩

Covers legal/lawyer costs for disputes and certain criminal cases related to the insured vehicle, up to a maximum of SEK 250,000 per dispute or criminal case. This coverage forms part of the 'delkasko' package and is only included when at least a half-insurance (trafik + delkasko) is held; it is not part of standalone traffic (MTPL) insurance.

Vi betalar vid varje tvist eller brottmål högst 250 000 kronor.

[9] Green card: Covered ↩

The policy automatically applies in Nordic countries and countries covered by the Green Card Agreement, as well as during transport between these countries, without a separate Green Card being required within that zone.

Försäkringen gäller i Norden och de länder som omfattas av Gröna kort-avtalet samt under transport mellan dessa länder.

[10] Passenger accident: SEK 500,000 ↩

Optional add-on ('A7 Trafikolycksfall') available for at least half-insured passenger cars and light trucks, providing lump-sum compensation for medical invalidity (up to SEK 500,000 for a person under 50 with 100% invalidity, reduced by age), hospitalisation, sick leave and death, for passengers in the vehicle.

Högsta ersättningsbelopp är 500 000 kr. Detta avser en person under 50 år som drabbas av en skada med 100% invaliditet.

[11] Bodily injury liability: SEK 300,000,000 ↩

Trafikförsäkring is the statutory MTPL cover, mandatory for all vehicles used in traffic, and compensates personal injury caused to third parties by the insured vehicle. Bodily injury and property damage share a single combined ceiling of SEK 300,000,000, not two separate limits.

[12] Property damage liability: SEK 300,000,000 ↩

Covers damage that the insured vehicle causes to another person's vehicle and/or property outside the insured vehicle. Shares the same combined SEK 300,000,000 ceiling as bodily injury liability; the trafikförsäkring does not cover damage to the policyholder's own vehicle.

[13] Legal defence: Covered ↩

Folksam negotiates with claimants and, in litigation, pays the policyholder's reasonable and relevant court costs, and also covers certain counsel costs of the injured party at out-of-court settlement, capped by the government's rättshjälp hourly-rate norm rather than a fixed kronor amount. This claims-defence function is built into the MTPL cover itself and is distinct from the separate Rättsskyddsförsäkring (own-dispute legal protection, capped at SEK 300,000), which is not included in a stand-alone Trafikförsäkring.

[14] Green card: Covered ↩

The MTPL cover is valid in EEA countries and other countries affiliated with the Green Card system, and while the vehicle is transported between these countries.

[15] Passenger accident: Covered ↩

Damaged clothing and personal belongings carried by an injured passenger or other person are compensated up to 25% of a prisbasbelopp per person (helmets/protective equipment uncapped). Kristerapi (crisis therapy) — 10 sessions with no deductible, plus reasonable travel and interpreter costs up to SEK 4,000 — is also extended to passengers in or on the vehicle, and is included even in the bare Trafik tier.

[16] Bodily injury liability: Covered ↩

The traffic insurance compensates personal injury to the driver of the own vehicle and injury to another person resulting from a traffic accident with the vehicle. No specific monetary limit is stated in the reviewed sources.

Trafikförsäkringen ersätter personskador för föraren av det egna fordonet och skada på annan person eller andra personers egendom som uppstår till följd av trafikolycka med ditt fordon.

[17] Property damage liability: Covered ↩

The traffic insurance compensates damage to another person's property caused by a traffic accident with the vehicle. No specific monetary limit is stated in the reviewed sources.

Trafikförsäkringen ersätter personskador för föraren av det egna fordonet och skada på annan person eller andra personers egendom som uppstår till följd av trafikolycka med ditt fordon.

[18] Legal defence: See details ↩

Not mentioned on the e-scooter product page or in the other reviewed sources for this product.

[19] Green card: Excluded ↩

The policy explicitly states cover applies only in Sweden; if the e-scooter is taken to another country neither the traffic nor the theft insurance applies, so no Green Card / cross-border cover is provided.

Tänk på att om du tar med dig elsparkcykeln till ett annat land så gäller varken trafik- eller stöldförsäkringen.

[20] Passenger accident: See details ↩

Not addressed in the reviewed sources; e-scooters are single-rider vehicles and carrying a passenger is not permitted, so passenger accident cover is not described.

[21] Bodily injury liability: SEK 300,000,000 ↩

Compensates personal injury to persons in or outside the vehicle caused in traffic, under the Traffic Damage Act; the T&C states an overall maximum compensation for the traffic insurance of 300 million SEK (not split by injury/property)

Högsta ersättningsbelopp för personliga tillhörigheter är ett halvt prisbasbelopp. Högsta ersättning för trafikförsäkringen är 300 miljoner kr.

[22] Property damage liability: SEK 300,000,000 ↩

Compensates damage to another person's vehicle (if fault is proven) and other property outside the vehicle belonging to third parties; shares the same overall 300 million SEK cap as bodily injury liability; personal belongings carried in the vehicle are capped separately at half a prisbasbelopp

Högsta ersättningsbelopp för personliga tillhörigheter är ett halvt prisbasbelopp. Högsta ersättning för trafikförsäkringen är 300 miljoner kr.

[23] Legal defence: Covered ↩

The traffic insurance covers reasonable litigation costs when the policyholder is sued for a claim and, where necessary for a compensable personal injury, lawyer's fees up to the government's hourly-cost norm for legal aid; note the separate 'Rättsskydd' module (max 400,000 SEK per dispute) is part of delkasko/halvförsäkring, not this trafikförsäkring-only product

Vid skada förhandlar vi med den som kräver ersättning och vid eventuell rättegång betalar vi dina rättegångskostnader i den mån de är skäliga och överensstämmer med våra intressen.

[24] Green card: Covered ↩

The insurance applies in all countries within the Green Card system and while the vehicle is transported between them; in some countries a physical Green Card must still be presented and can be obtained on request

Motorfordonsförsäkringen gäller i de länder som är anslutna till Gröna kort-systemet. Dessutom gäller försäkringen då fordonet transporteras mellan de länder där försäkringen gäller. I vissa länder behövs fortfarande ett bevis på att fordonet är trafikförsäkrat, det gröna kortet.

[25] Passenger accident: Covered ↩

Personal injury to passengers in or outside the vehicle arising from traffic is covered under the Traffic Damage Act rules; the optional Trafikolycksfall add-on (600,000 SEK at 100% medical invalidity) also applies to passengers but requires at least a halvförsäkring

Personskada på person utanför fordonet.

[26] Bodily injury liability: SEK 300,000,000 ↩

Compensates personal injury to persons in and outside the vehicle caused by an accident in traffic, subject to the traffic insurance's overall 300 million SEK per-event limit, which is shared with property damage claims (not a separate limit).

Högsta ersättning för trafikförsäkringen är 300 miljoner kr.

[27] Property damage liability: SEK 300,000,000 ↩

Compensates damage to third-party property (e.g. other vehicles, buildings) caused by the insured vehicle in traffic, subject to the same shared 300 million SEK per-event limit as bodily injury claims.

Högsta ersättning för trafikförsäkringen är 300 miljoner kr.

[28] Legal defence: Covered ↩

Within the traffic insurance itself, Hedvig negotiates with the claimant and, in the event of a lawsuit, pays the insured's reasonable court costs and, where necessary, legal representation costs for defending a liability claim; this is separate from the standalone Rättsskydd module (which has its own cap and is only included with Delkasko/Helförsäkring).

Vid skada förhandlar vi med den som kräver ersättning och vid eventuell rättegång betalar vi dina rättegångskostnader i den mån de är skäliga och överensstämmer med våra intressen.

[29] Green card: Conditional ↩

A Green Card, proving the vehicle is traffic-insured in Sweden, can be issued by Hedvig on request for travel in certain Green Card countries where physical proof is still required.

I vissa länder behövs fortfarande ett bevis på att fordonet är trafikförsäkrat, det gröna kortet. Kontakta oss om du behöver ett utställt grönt kort.

[30] Passenger accident: Covered ↩

Personal injury to passengers in the vehicle is compensated on a no-fault basis under the Traffic Damage Act, within the traffic insurance's combined 300 million SEK per-event limit (no separate passenger sub-limit is stated).

personskada på person i fordonet

[31] Bodily injury liability: SEK 300,000,000 ↩

Covers personal injury caused to other people (in and outside the vehicle) as a result of traffic with the insured vehicle, under the Traffic Damage Act. Stated maximum compensation is SEK 300 million, a combined ceiling shared with property damage liability under this section.

Högsta ersättning är 300 miljoner kr.

[32] Property damage liability: SEK 300,000,000 ↩

Covers damage to property outside the insured vehicle (e.g. another vehicle or a fence) caused as a result of traffic with the insured vehicle, under the Traffic Damage Act. Stated maximum compensation is SEK 300 million, a combined ceiling shared with bodily injury liability under this section.

Högsta ersättning är 300 miljoner kr.

[33] Legal defence: Excluded ↩

Legal expenses cover is not included in the standalone traffic insurance. It becomes available only from the half-insurance (halvförsäkring) tier and above; the traffic-only combination table lists Rättsskydd under Halv-/Hel-/Plusförsäkring, not under the standalone traffic insurance.

[34] Green card: Covered ↩

The traffic insurance is valid in countries that are part of the Green Card system and during transport between them. Some countries require an international Green Card certificate as proof of insurance, which ICA Försäkring issues on request.

Försäkringen gäller i de länder som är anslutna till det så kallade Gröna Kort-systemet och vid transport mellan dessa länder. I vissa av länderna krävs dock internationellt försäkringsbevis, grönt kort, vilket vi utfärdar på begäran.

[35] Passenger accident: SEK 600,000 ↩

Trafikolycksfall och Krishjälp applies to personal injury sustained by anyone as a result of traffic with the insured vehicle, including passengers, not only the driver. Same amounts as for the driver: up to SEK 600,000 for permanent medical disability, SEK 3,600 hospitalisation, SEK 2,000 sick leave, SEK 20,000 on death, plus up to 10 crisis-therapy sessions, all without deductible.

Trafikolycksfallsförsäkring gäller för personskada som uppkommer till följd av trafik med det försäkrade fordonet.

[36] Bodily injury liability: SEK 300,000,000 ↩

Covers personal injury to third parties, drivers and passengers arising from traffic with the insured vehicle under the Motor Traffic Damage Act. Compensation for one and the same event is capped at SEK 300 million, and this cap is a single aggregate limit shared with property damage liability (not an additional, separate limit).

Från ett fordons trafikförsäkring utgår, enligt Trafikskadelagen (1975:1410), trafikskadeersättning med anledning av en och samma händelse med högst 300 miljoner kronor, ränta och ersättning för rättegångskostnader oräknade.

[37] Property damage liability: SEK 300,000,000 ↩

Covers damage to third-party property outside the insured vehicle arising from traffic with the vehicle. The SEK 300 million per-event cap under the Motor Traffic Damage Act is the same aggregate limit shared with bodily injury liability, not an additional separate limit.

Från ett fordons trafikförsäkring utgår, enligt Trafikskadelagen (1975:1410), trafikskadeersättning med anledning av en och samma händelse med högst 300 miljoner kronor, ränta och ersättning för rättegångskostnader oräknade.

[38] Legal defence: Excluded ↩

Not included in standalone Trafikförsäkring. Rättsskydd (up to SEK 300,000 per dispute) is only included when the customer purchases Halvförsäkring, Helförsäkring or Stor bilförsäkring. The former add-on that attached rättsskydd, stöld and vägassistans directly to Trafikförsäkring (TrafikXtra) can no longer be newly subscribed.

TrafikXtra kan inte nytecknas. FÖRSÄKRINGEN GÄLLER FÖR ersättning för skador som omfattas av punkt 6.4.1 Trafikförsäkring med nedanstående tillägg – rättsskydd enligt 6.4.2 Halvförsäkring under rättsskydd.

[39] Green card: Covered ↩

The traffic liability insurance applies in all countries affiliated with the Green Card system; in some of these countries an international motor insurance certificate (Green Card) must be issued, which If can issue on the policyholder's request. It also applies worldwide for Swedish citizens or residents in relation to traffic with a Swedish-registered vehicle.

Trafikförsäkringen gäller i samtliga länder anslutna till gröna kort-systemet, men i vissa länder behövs ett internationellt trafikförsäkringsbevis (grönt kort) utfärdas... Trafikförsäkringen gäller vidare i hela världen, för svensk medborgare eller för den som har sin hemvist i Sverige enligt Trafikskadelagen, för skada som i följd av trafik med svenskregistrerat fordon.

[40] Passenger accident: SEK 600,000 ↩

Optional add-on (Förar- och passagerarolycksfall) available directly on standalone Trafikförsäkring as well as Halv-, Hel- and Stor bilförsäkring, covering passengers of the insured vehicle on the same terms as the driver: up to SEK 600,000 at 100% medical invalidity, SEK 50,000 on death within two years, and crisis therapy after a traffic accident.

FÖRSÄKRINGEN GÄLLER FÖR – det trafikförsäkrade fordonets förare och passagerare – ersättning för personskada som uppkommer i följd av trafik med det försäkrade fordonet och som medför medicinsk invaliditet eller dödsfall.

[41] Bodily injury liability: SEK 300,000,000 ↩

Compensates personal injury arising from traffic with the insured vehicle under the Motor Traffic Damage Act, up to a combined maximum of SEK 300 million per event; this ceiling is shared jointly with property damage liability, not a separate limit.

Trafikförsäkringen gäller enligt reglerna i trafikskadelagen för person- och sakskada som uppstår i följd av trafik med fordonet. Högsta ersättning är 300 miljoner kronor.

[42] Property damage liability: SEK 300,000,000 ↩

Compensates damage caused to third-party property in traffic with the insured vehicle, up to a combined maximum of SEK 300 million per event shared with bodily injury liability. Damage to the insured vehicle itself, or to property being transported in it, is excluded.

Högsta ersättning är 300 miljoner kronor. Ersättning betalas inte för skada på fordonet och inte för egendom som transporteras med fordonet.

[43] Legal defence: Covered ↩

If the policyholder is claimed against for damages and the claim proceeds to litigation, Länsförsäkringar pays reasonable legal costs; where legal representation is deemed necessary for a compensable personal-injury claim, reasonable counsel fees are paid up to the government's standard hourly-fee norm for legal aid. No fixed sum insured is stated.

Om försäkringen gäller för skadan, betalar vi dina rättegångskostnader om de är skäliga och om de överensstämmer med vårt intresse i rättegången.

[44] Green card: Covered ↩

Trafikförsäkring is valid in all countries connected to the Green Card System and during transport between them; for Swedish-registered vehicles it additionally covers claims worldwide when a Swedish citizen or resident is injured, even outside Green Card System countries.

Din motorfordonsförsäkring gäller i de länder som är anslutna till det så kallade gröna kort-systemet och vid transport mellan dessa länder.

[45] Passenger accident: Covered ↩

Personal injury to passengers caused by traffic with the insured vehicle is compensated as part of the general traffic-injury liability cover under the Motor Traffic Damage Act, within the shared SEK 300 million per-event ceiling. There is no separate passenger-accident sum insured.

[46] Bodily injury liability: SEK 300,000,000 ↩

Mandatory motor liability insurance compensates personal injury caused to third parties, drivers and passengers as a result of traffic with the insured vehicle, under the Swedish Traffic Damage Act (Trafikskadelagen). The maximum combined compensation for bodily injury and property damage together is SEK 300,000,000 per claim event.

Högsta ersättning för varje skadehändelse är 300 miljoner kr.

[47] Property damage liability: SEK 300,000,000 ↩

Compensates damage to third-party property caused by the insured vehicle in traffic, under the Traffic Damage Act. This shares the same combined SEK 300,000,000 per-event cap as bodily injury liability; it is not a separate additional limit. Driver's and passengers' clothing and personal belongings (excluding cash, jewellery and valuable documents) are also compensated up to 0.25 of the price base amount (prisbasbelopp) per person.

kläder och andra personliga tillhörigheter (dock ej pengar, smycken och värdehandlingar) upp till 0,25 prisbasbelopp per person.

[48] Legal defence: Excluded ↩

Legal expenses cover is not included at the trafikförsäkring-only level. Rättsskydd is only included when halvförsäkring or helförsäkring is purchased in addition to the mandatory traffic insurance.

Rättsskydd Ingår Ingår Ingår Ingår -

[49] Green card: Covered ↩

Traffic insurance automatically covers the countries within the Green Card system without a physical card. For travel to certain countries outside the Nordics (e.g. Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey and Ukraine) a physical Green Card certificate must be requested from Paydrive in advance; there is no separate monetary sum insured for this coverage.

Kontakta oss på Paydrive för beställning av Grönt kort när du ska resa utanför Norden.

[50] Passenger accident: Covered ↩

Personal injury to passengers caused by traffic with the insured vehicle is covered under trafikförsäkring per the Traffic Damage Act, with compensation assessed case-by-case (no fixed sum insured). The separate Trafikolycksfall accident rider, with fixed sums of SEK 600,000 for medical invalidity and SEK 50,000 for death, is only available with halv- or helförsäkring.

Trafikförsäkringen gäller också enligt trafikskadelagen för den som drabbas av skada i följd av trafik med fordonet.

[51] Bodily injury liability: SEK 300,000,000 ↩

Mandatory traffic insurance compensates personal injuries to persons in and outside the insured vehicle under the Traffic Damage Act (trafikskadelagen). The SEK 300 million ceiling per incident is a single combined cap shared with property-damage claims under the traffic insurance, not a separate limit exclusively for bodily injury.

Högsta ersättningen från trafikförsäkringen är 300 miljoner kronor per skadehändelse.

[52] Property damage liability: SEK 300,000,000 ↩

Covers damage to other people's vehicles and property in traffic caused by the insured vehicle's driver (if fault can be proven), up to the combined SEK 300 million per-incident cap shared with bodily-injury claims. Damage to the policyholder's own vehicle is excluded from the traffic insurance and is instead covered, if applicable, by half/comprehensive insurance (halv-/helförsäkring).

skador på andras fordon i trafik om det kan bevisas att ditt fordons förare har orsakat (vållat) skadorna.

[53] Legal defence: Covered ↩

The traffic insurance itself includes Trygg-Hansa conducting the policyholder's defence when claimed against after a traffic accident or summoned to court, negotiating with claimants, and paying the policyholder's reasonable litigation costs and the compensation owed under the Traffic Damage Act. No monetary ceiling is stated for this built-in defence function.

Vi för din talan när du måste svara i en rättegång angående trafikskadeersättning. Vi betalar även dina rättegångskostnader, så långt de är skäliga och sammanfaller med våra intressen i rättegången.

[54] Green card: Covered ↩

The traffic insurance is valid in all countries connected to the Green Card system and during transport between them. For Swedish citizens or residents driving a Swedish-registered vehicle, coverage under the Traffic Damage Act extends worldwide, including countries outside the Green Card system.

Din försäkring gäller i alla länder som är anslutna till det så kallade Gröna kort-systemet och vid transport mellan dessa länder... gäller trafikförsäkringen enligt trafikskadelagen (1975:1410) i hela världen, även i de länder som inte är anslutna till Gröna kort-systemet.

[55] Passenger accident: Covered ↩

Passengers in the vehicle (and third parties outside it) are covered for personal injury under the mandatory traffic insurance (trafikskadelagen), within the combined SEK 300 million per-incident cap; passengers generally receive full compensation even where a driver or third party is at fault.

Personskador • personer i fordonet som skadas • personer utanför fordonet som skadas.