Extracted from source documents

evoli Motor third-party liability (Trafikforsakring)

Underwritten by Dina Försäkring AB (underwriter); Sensor Försäkring Norden AB (distributor/broker) · Sweden

motor third-party liability insurance from evoli for the Sweden market, with online purchase.

Verified Aug 31, 2026 · Terms dated 2024-06-01Sources

Online purchase

Unique selling points

Get an online quote and buy a policy in as little as 30 seconds.

Optional 'Premium' tier lowers deductibles across the policy for extra protection.

Zero-deductible roadside assistance add-on covers fuel shortage, lockouts, flat tyres and a dead battery.

Add-ons such as rental car cover, animal-collision deductible reduction and the young-driver deductible waiver can be toggled anytime via the evoli app.

Legal expenses cover reimburses lawyer costs up to SEK 250,000 for disputes related to owning your car (available from half-insurance level).

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

SEK 300M

Conditional

Legal expenses insurance

SEK 250K

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.

Clause 562Page 23

Section: 5 Rättsskyddsförsäkring > 56 Självrisk och högsta ersättningsbelopp

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

Covered

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.

Clause 12Page 5

Section: 1 Försäkringsformer och giltighetsområde > 12 Här gäller din försäkring

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

Conditional

Roadside assistance / recovery insurance

Conditional

Covers transport of driver, passengers and the vehicle following breakdown, accident or theft; the highest compensation for recovery/transport costs is limited to the vehicle's market value at the time of loss. This is part of the 'delkasko' package and only applies when at least a half-insurance (trafik + delkasko) is held; not included in standalone traffic (MTPL) insurance.

Clause 379Page 19

Section: 3. Kaskoförsäkring

Högsta ersättningsbelopp är fordonets marknadsvärde vid skadetillfället.

Optional · A7 Trafikolycksfall tillägg

Traffic accident (driver) insurance

SEK 500K

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 the driver using the vehicle with the policyholder's consent.

Clause A75Page 33

Section: Tilläggsförsäkringar och särskilda villkor > A7 Trafikolycksfall > A75 Högsta ersättningsbelopp

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

Optional · A7 Trafikolycksfall tillägg

Traffic accident (passenger) insurance

SEK 500K

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.

Clause A75Page 33

Section: Tilläggsförsäkringar och särskilda villkor > A7 Trafikolycksfall > A75 Högsta ersättningsbelopp

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

Key conditions

Driver restrictions

Traffic insurance applies with a deductible of 10% of the price base amount if the driver operated the vehicle without the required licence/permit or was under the legal age to drive, in cases of unauthorised practice driving, drink-driving/other intoxication, or if the driver caused the loss intentionally or through gross negligence.

Claim notification deadline

Damage must be reported to the insurer without delay; in case of theft, burglary, robbery or intentional damage a police report must also be filed and sent to the insurer.

Bonus-malus rules

The policy documents do not describe a bonus-malus discount system; the premium is instead based on factors such as vehicle type, vehicle age, mileage class, driver's age and area of residence.

SourcePage 2

Section: Förköpsinformation Motorfordonsförsäkring > Vad kostar försäkringen

Priset för försäkringen bestäms av flera faktorer exempelvis fordonstyp, fordonets ålder, din ålder och var du bor. Val av självrisk har också betydelse.

Territorial scope

The policy applies in the Nordic countries and Green Card Agreement countries and during transport between them; a deregistered vehicle is only covered in Sweden

Documents

Policy specifics

Third-party personal injury coverage

Mandatory coverage for personal injuries to third parties according to Traffic Damages Act

Source

Third-party property damage

Mandatory coverage for property damage to third parties caused by the insured vehicle

Source

Accessories and clothing coverage

Coverage for damaged clothing and personal belongings worn or carried by driver and passengers at time of accident

SourceClause 211Page 6

Section: 2 Trafikförsäkring > 21 Omfattning

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.

Vehicle must be locked

Security requirement that the vehicle must be locked when unattended

SourceClause 354Page 14

Section: 3 Kaskoförsäkring > 354 Säkerhetsföreskrifter och låskrav

När fordonet lämnas ska det vara låst med godkänt stöldskydd.

Valid driving license required

Driver must have valid license and appropriate age category for vehicle operation

SourceClause 314Page 10

Section: 3 Kaskoförsäkring > 314 Säkerhetsföreskrifter för kaskoförsäkring

om föraren kört eller dragit fordonet utan att ha det körkort, förarbevis eller motsvarande som krävs eller inte uppnått den ålder som krävs för att få köra fordonet, eller

Standard deductible

Traffic insurance deductible options: 1,000 SEK or 2,000 SEK

SourceSource no longer reachable

Sources

evoli Motor third-party liability