Gjensidige Forsikring ASA, Norway, Swedish Branch
Gjensidige
Gjensidige is a motor third-party liability insurance for the Sweden market with no online purchase and limited assistance availability.
Direct payment
Not specified in the sources reviewed for this product; customers are directed to call or email Gjensidige for a price quote and to arrange the policy.
Geographic scope
Sweden
Coverage applies only within Sweden; neither the traffic insurance nor the theft insurance is valid if the e-scooter is taken to another country.
Unique selling points
- Zero deductible on both the mandatory traffic damage cover and the crisis-therapy benefit.
- Includes crisis therapy with a licensed psychologist if the policyholder suffers mental health issues from a covered accident, a benefit not all competitors bundle into basic e-scooter traffic cover.
- Theft deductible is reduced from 1,500 SEK to 500 SEK for customers who also hold home or villa-home insurance with Gjensidige.
- Backed by Gjensidige, one of the largest Nordic non-life insurers with roots dating back to the early 1800s.
Coverage limits
Bodily injury liability
Covered
The traffic insurance compensates personal injury to the driver of the own vehicle and injury to another person resulting from a traffic accident with the vehicle. No specific monetary limit is stated in the reviewed sources.
Property damage liability
Covered
The traffic insurance compensates damage to another person's property caused by a traffic accident with the vehicle. No specific monetary limit is stated in the reviewed sources.
Legal defence / legal protection
No limit stated
Not mentioned on the e-scooter product page or in the other reviewed sources for this product.
Green Card / international cover
Excluded
The policy explicitly states cover applies only in Sweden; if the e-scooter is taken to another country neither the traffic nor the theft insurance applies, so no Green Card / cross-border cover is provided.
Roadside assistance
No limit stated
Not mentioned on the e-scooter product page or in the other reviewed sources for this product.
Driver personal accident
Covered
The traffic insurance compensates personal injury to the driver of the own e-scooter resulting from a traffic accident, with no deductible. No specific monetary limit is stated in the reviewed sources.
Passenger accident
No limit stated
Not addressed in the reviewed sources; e-scooters are single-rider vehicles and carrying a passenger is not permitted, so passenger accident cover is not described.
Key conditions
Territorial scope
The insurance (both traffic and theft cover) applies only within Sweden and lapses if the e-scooter is taken abroad.
Green card rules
No Green Card arrangement is offered; cover does not extend outside Sweden under this product.
Driver restrictions
Not specified in the reviewed sources for this product.
Claim notification deadline
Not specified in the reviewed sources for this product.
Bonus-malus rules
Not specified in the reviewed sources for this product.
Policy specifics
Psychotherapy / Crisis support
Coverage for crisis therapy with licensed psychologist if policyholder suffers mental health issues from a covered accident
SourceSource no longer reachableTheft coverage
Optional add-on coverage for theft or attempted theft of e-scooter
SourceSource no longer reachableCoverage territory - Sweden only
Both traffic and theft insurance only applies within Sweden; not valid when e-scooter is taken to another country
SourceSource no longer reachableVehicle specifications and eligibility
E-scooters must meet specific technical criteria to qualify for Gjensidiges traffic insurance: either >20 km/h max speed (any weight) OR >14 km/h speed AND >25 kg weight
SourceSource no longer reachableSources
- https://www.gjensidiges.se/privat/elsparkcykelforsakringSource no longer reachable