
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
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
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.
Section: 5 Rättsskyddsförsäkring > 56 Självrisk och högsta ersättningsbelopp
Vi betalar vid varje tvist eller brottmål högst 250 000 kronor.
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.
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.
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.
Section: 3. Kaskoförsäkring
Högsta ersättningsbelopp är fordonets marknadsvärde vid skadetillfället.
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.
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.
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.
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 2Section: 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
Motor Vehicle Insurance Terms and Conditions, effective 2024-06-01 (opens in a new tab)
Terms & conditions · PDF
Pre-contractual information, Car Insurance, effective 2024-06-01 (opens in a new tab)
Other document · PDF
Insurance Product Information Document (IPID), Car Insurance, effective 2024-06-01 (opens in a new tab)
Product information sheet · PDF
Policy specifics
Third-party personal injury coverage
Mandatory coverage for personal injuries to third parties according to Traffic Damages Act
SourceThird-party property damage
Mandatory coverage for property damage to third parties caused by the insured vehicle
SourceAccessories and clothing coverage
Coverage for damaged clothing and personal belongings worn or carried by driver and passengers at time of accident
SourceClause 211Page 6Section: 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 14Section: 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 10Section: 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 reachableSources
- evoli.sehttps://evoli.se/files/se/Forkopsinformation-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=2(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=10(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=14(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=19(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=23(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=33(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=5(opens in a new tab)
- evoli.sehttps://evoli.se/files/se/Villkor-Motorfordonsforsakring-Sensor-Forsakring_Evoli-2024-06-01.pdf#page=6(opens in a new tab)
- evoli.sehttps://evoli.se/legalt/villkor(opens in a new tab)
- support.evoli.sehttps://support.evoli.se/sv/articles/3786605-vad-ar-en-trafikforsakring(opens in a new tab)Source no longer reachable
evoli Motor third-party liability