Gofido Motor third-party liability (Trafikforsakring)
Underwritten by Gofido · Sweden
motor third-party liability insurance from Gofido for the Sweden market, with online purchase.
Verified Aug 31, 2026 · Terms dated 2023-09-01Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
SEK 300M
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
Section: 4 Trafikförsäkring > Vid skada
Vid skada förhandlar vi med den som kräver ersättning och vid eventuell rättegång betalar vi dina rättegångskostnader i den mån de är skäliga och överensstämmer med våra intressen.
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
Section: 1 Grundläggande principer > 1.2 Var försäkringen gäller
Motorfordonsförsäkringen gäller i de länder som är anslutna till Gröna kort-systemet. Dessutom gäller försäkringen då fordonet transporteras mellan de länder där försäkringen gäller. I vissa länder behövs fortfarande ett bevis på att fordonet är trafikförsäkrat, det gröna kortet.
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
Section: 8 Tilläggsförsäkringar > 8.3 Assistans
Assistans kan tecknas som tillägg till personbil eller lätt lastbil som är minst halvförsäkrad hos Gofido.
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
Section: 4 Trafikförsäkring
Personskada på person i fordonet.
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
Section: 4 Trafikförsäkring
Personskada på person utanför fordonet.
Key conditions
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
Territorial scope
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
Documents
Policy specifics
Youth deductible
Additional deductible of 10% of price base amount if driver is under 25 years old
SourcePage 4Section: 4 Trafikförsäkring > Ungdomssjälvrisk
För personbil och lätt lastbil, gäller trafikförsäkringen med en särskild självrisk (ungdomssjälvrisk) på 10 % av prisbasbeloppet om föraren är under 25 år vid skadehändelsen.
Green Card system coverage
Insurance applies in all countries within the Green Card system and during transport between these countries
SourceClause 1.2Page 3Section: 1 Grundläggande principer > 1.2 Var försäkringen gäller
Motorfordonsförsäkringen gäller i de länder som är anslutna till Gröna kort-systemet. Dessutom gäller försäkringen då fordonet transporteras mellan de länder där försäkringen gäller.
Coverage 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
SourcePage 4Section: 4 Trafikförsäkring
Trafikförsäkringen gäller enligt reglerna i Trafikskadelagen för person- och sakskada som uppstår i följd av trafik med fordonet.
Sources
- assets.ctfassets.nethttps://assets.ctfassets.net/j9cx326eq8ca/7Lv3Hk60E6S5NKIj75xQsd/54d6b91b3352551daba72b5fc6244519/Villkorstext_Gofido_230912.pdf#page=10(opens in a new tab)
- assets.ctfassets.nethttps://assets.ctfassets.net/j9cx326eq8ca/7Lv3Hk60E6S5NKIj75xQsd/54d6b91b3352551daba72b5fc6244519/Villkorstext_Gofido_230912.pdf#page=3(opens in a new tab)
- assets.ctfassets.nethttps://assets.ctfassets.net/j9cx326eq8ca/7Lv3Hk60E6S5NKIj75xQsd/54d6b91b3352551daba72b5fc6244519/Villkorstext_Gofido_230912.pdf#page=4(opens in a new tab)
Gofido Motor third-party liability