Dina Försäkringar Motor third-party liability (Trafikforsakring)

No extra 'youth deductible' is applied when the policyholder taking out the policy is themselves under 24, unlike the industry-standard surcharge for young drivers.

Traffic insurance pays for damaged clothing and personal belongings up to 25% of the price base amount, and for lawfully worn protective helmets/gear with no monetary limit at all.

Round-the-clock claims service every day of the year, with a dedicated number for assistance abroad.

Quotes and policy purchase are available online any time, day or night, with a price shown in under 30 seconds.

Driver restrictions

An additional deductible of SEK 1,000 (ungdomssjälvrisk) applies if a driver other than the policyholder was under 24 years old at the time of the accident; Dina states it does not apply this extra deductible when the person who took out the policy is themselves under 24. A deductible of 10% of the price base amount applies if the driver lacked the required licence, drove without reaching the required age, engaged in unauthorised practice driving, drove under the influence of alcohol or another intoxicant, caused the damage intentionally or through gross negligence, or committed the traffic offence of 'rattsurfning' (using a handheld phone while driving).

Claim notification deadline

Claims must be reported to Dina without undue delay; if the policyholder is sued for damages, Dina must be notified immediately for the insurance to cover litigation costs. The right to claim compensation lapses (preskription) after ten years from the event giving rise to the claim, with a further six months from a final claims decision if the claim was reported in time.

Bonus-malus rules

The policy documents describe no bonus-malus discount ladder. Premiums for cars in vehicle classes 01 and 50 are instead calculated using an annual mileage class (five bands from 'up to 10,000 km' to 'over 25,000 km'), and for all vehicles by the tariff zone based on the policyholder's registered home address (or place of business for vehicles used commercially).

Territorial scope

Traffic insurance (trafikförsäkring) is valid in Nordic countries and Green Card countries, and applies worldwide under the Swedish Traffic Damage Act for injuries suffered by Swedish citizens or residents caused by traffic with a Swedish-registered vehicle. A vehicle covered only by a special off-road (avställnings-) insurance is covered solely within Sweden.