Care of Fido AB (trading as Gofido)
Gofido
Gofido is a motor third-party liability insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
In the event of a claim, Gofido/Eir negotiates directly with the claiming party and pays the compensation the policyholder is liable for under the Traffic Damage Act; the policyholder must not accept liability or settle a claim on their own
Geographic scope
Sweden
Valid in all countries within the Green Card system and while the vehicle is transported between those countries; a physical Green Card certificate may still be required in some countries
Unique selling points
- Fully digital, modern car insurance you can buy and manage entirely online
- Buy directly online and cancel whenever you want, with no lock-in period
- Coverage built around your own needs, aiming for the right price for your situation
- Priced to be competitive whether you are an experienced driver or new to traffic
Coverage limits
Bodily injury liability
SEK 300,000,000
Compensates personal injury to persons in or outside the vehicle caused in traffic, under the Traffic Damage Act; the T&C states an overall maximum compensation for the traffic insurance of 300 million SEK (not split by injury/property)
Property damage liability
SEK 300,000,000
Compensates damage to another person's vehicle (if fault is proven) and other property outside the vehicle belonging to third parties; shares the same overall 300 million SEK cap as bodily injury liability; personal belongings carried in the vehicle are capped separately at half a prisbasbelopp
Legal costs under the traffic insurance
Covered
The traffic insurance covers reasonable litigation costs when the policyholder is sued for a claim and, where necessary for a compensable personal injury, lawyer's fees up to the government's hourly-cost norm for legal aid; note the separate 'Rättsskydd' module (max 400,000 SEK per dispute) is part of delkasko/halvförsäkring, not this trafikförsäkring-only product
Green Card coverage
Covered
The insurance applies in all countries within the Green Card system and while the vehicle is transported between them; in some countries a physical Green Card must still be presented and can be obtained on request
Roadside assistance / recovery
Excluded
Not included in the standalone traffic insurance; recovery/towing (Räddning/bärgning) is part of delkasko under a halvförsäkring, and the dedicated Assistans add-on can only be added to a vehicle that is at least halvförsäkrad
Driver personal injury
Covered
Personal injury to a person in the vehicle (including the driver) arising from traffic is covered under the Traffic Damage Act rules; the optional Trafikolycksfall add-on (600,000 SEK at 100% medical invalidity) provides supplementary invalidity compensation but requires at least a halvförsäkring and is not part of this standalone traffic insurance
Passenger personal injury
Covered
Personal injury to passengers in or outside the vehicle arising from traffic is covered under the Traffic Damage Act rules; the optional Trafikolycksfall add-on (600,000 SEK at 100% medical invalidity) also applies to passengers but requires at least a halvförsäkring
Key conditions
Territorial scope
Applies in all Green Card countries and during transport between them; the traffic insurance always applies worldwide for Swedish citizens/residents injured in traffic with a Swedish-registered vehicle, under the Traffic Damage Act; foreign claims are governed by the law of the country where the damage occurred
Green card rules
Some Green Card system countries still require proof of traffic insurance in the form of a physical Green Card certificate; the policyholder can request one from the insurer
Driver restrictions
The vehicle must not be driven by anyone criminally impaired by alcohol/drugs, the driver must hold the required licence, and the vehicle must not be used for competition, professional hire or courier services; a special youth deductible (10% of the prisbasbelopp) applies to the traffic insurance if the driver is under 25, unless that driver is the registered owner or was declared at inception
Claim notification deadline
A claim must be reported to the insurer without delay; for theft, vandalism, robbery or assault a police report must also be filed at the place of the incident
Bonus-malus rules
The terms and conditions do not describe a bonus-malus (claims discount) system; premium is instead set individually per policyholder and vehicle based on the risk factors used by the insurer
Where to buy
Policy specifics
Youth deductible
Additional deductible of 10% of price base amount if driver is under 25 years old
SourceDispute deductible
Self-deductible of 20% of costs, minimum 2,000 SEK, applies when claim is disputed
SourceGreen Card system coverage
Insurance applies in all countries within the Green Card system and during transport between these countries
SourceVehicle security requirements
Passenger car and light truck must be locked; ignition key must be carried if vehicle is left; key must not be stored or hidden near vehicle and must be kept in safe place
SourceCoverage scope based on vehicle registration status
Traffic insurance applies for person and property damage resulting from motor vehicle use in traffic according to Traffic Damage Act; coverage stated in policy letter
Source