evoli AB
evoli
evoli is a motor third-party liability insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
Not specified in the reviewed policy documents.
Geographic scope
Nordic countries and countries covered by the Green Card Agreement, including transport between these countries; worldwide for personal injury to Swedish citizens/residents under the Traffic Damages Act
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
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
Bodily injury liability (third-party)
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.
Property damage liability (third-party)
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.
Legal expenses insurance
SEK 250,000
Only in Halvförsäkring, Helförsäkring
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.
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.
Roadside assistance / recovery insurance
Conditional
Only in Halvförsäkring, Helförsäkring
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.
Traffic accident (driver) insurance
SEK 500,000
Only in A7 Trafikolycksfall tillägg
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.
Traffic accident (passenger) insurance
SEK 500,000
Only in A7 Trafikolycksfall tillägg
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.
Key conditions
Territorial scope
The policy applies in the Nordic countries and countries covered by the Green Card Agreement, and during transport between these countries. A vehicle deregistered in the Road Traffic Register is only covered in Sweden. Traffic insurance itself applies worldwide under the Traffic Damages Act for damage caused in traffic with a Swedish-registered vehicle to a Swedish citizen or resident of Sweden.
Green card rules
No separate Green Card is needed within the Nordic and Green Card Agreement zone since the policy applies automatically there; a physical Green Card is required for travel outside this zone, and when the vehicle stays outside Sweden for more than 185 consecutive days in the last 12 months certain cover (e.g. vagnskada) ceases to apply.
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
true
Where to buy
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
SourceSource no longer reachableVehicle must be locked
Security requirement that the vehicle must be locked when unattended
SourceSource no longer reachableValid driving license required
Driver must have valid license and appropriate age category for vehicle operation
SourceSource no longer reachableCoverage limited to Sweden
Basic traffic insurance coverage applies only within Swedish territory
SourceSource no longer reachable