Folksam Motor third-party liability (Trafikforsakring)
Underwritten by Folksam ömsesidig sakförsäkring · Sweden
motor third-party liability insurance from Folksam for the Sweden market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2026-07-01Sources
Unique selling points
Independent reviewer Konsumenternas försäkringsbyrå rates Folksam's Bilförsäkring Stor 4.6 out of 5.
All Folksam car insurance policies carry the Bra Miljöval (Good Environmental Choice) eco-label.
Bundling home and car insurance with Folksam earns customers a multi-policy discount (samlingsrabatt).
Get an instant personalised price online and buy the policy directly on folksam.se without needing to call.
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 defence against third-party claims
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.
Green Card / international MTPL validity
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.
Roadside assistance (Folksam Assistans)
Excluded
Folksam Assistans and the rental-car cover are not part of a stand-alone Trafikförsäkring. The T&Cs state that Folksam Assistans and Hyrbilsförsäkring terminate if the ordinary car insurance is changed to comprise only the trafikförsäkring, and Assistans/Hyrbil can only be added as riders to a halv- or helförsäkring (or, for light trucks, to Lätt lastbilsförsäkring Stor).
Driver personal injury / crisis support
Covered
Within the Trafikförsäkring, damaged clothing and personal belongings carried by an injured driver are compensated up to 25% of a prisbasbelopp per person (helmets/protective equipment uncapped). In addition, Kristerapi (crisis therapy) — 10 sessions with no deductible, plus reasonable travel and interpreter costs up to SEK 4,000 — is available to the driver who uses the vehicle with the owner's permission, and is included even in the bare Trafik tier.
Passenger personal injury / crisis support
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.
Key conditions
Driver restrictions
An increased deductible of SEK 1,000 applies if the driver was under 24 at the time of the accident. A deductible of 10% of a price base amount applies if the driver lacked a valid licence, breached driving-lesson rules, or was convicted of drink-driving, gross drink-driving, or caused the accident with intent or gross negligence. The combined MTPL deductible may not exceed 10% of a price base amount for a private individual under TSL.
Claim notification deadline
Report the incident to Folksam as soon as possible. Theft, taking of the vehicle without consent, vandalism, or damage caused by another unknown motor vehicle must also be reported to the police in the country where the incident occurred.
Bonus-malus rules
New MTPL policies start in bonus class 7 (class 6 if a claim occurred in the previous year). Each claim paid under the trafikförsäkring lowers the class by one step from the following insurance year; each claim-free year raises the class by one step. Reaching class 8 requires 15 consecutive claim-free years, and a policyholder with at least 15 claim-free years keeps the discount after a first claim. The discount is not reduced in specific no-fault cases listed in the T&Cs (e.g. reindeer/dog-only claims, theft, police inspection, or proven non-liability).
Territorial scope
Cover applies in EEA countries and other Green Card countries, and during transport between them. Deregistered (avställd) vehicles are only covered in Sweden. The MTPL cover applies worldwide under the Traffic Damage Act (TSL) for damage caused by a Swedish-registered vehicle to a Swedish citizen or resident in Sweden.
Documents
Policy specifics
Engine and machinery damage coverage
Coverage for engine failure and unexpected machinery defects; included up to 10 years or 12,000 km in Bilförsäkring Stor
SourceVehicle eligibility and use restrictions
Insurance applies to privately-owned passenger cars and light commercial vehicles up to 3,500 kg not used for professional purposes like taxi or cargo transportation
SourceClaims approval and service authorization requirement
For certain repairs, Folksam authorization must be obtained before arranging independent service; claims are subject to investigation and approval before settlement
SourceGeographic coverage scope
Coverage applies in EEA countries and other countries affiliated with the Green Card system, including during transport between them. Deregistered (avställd) vehicles are only covered in Sweden. The trafikförsäkring itself always applies worldwide under the Traffic Damage Act (TSL) for damage caused in traffic by a Swedish-registered vehicle to a Swedish citizen or resident.
SourceSources
Folksam Motor third-party liability