Hedvig Försäkring AB
Hedvig
Hedvig is a motor third-party liability insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
Under the traffic insurance, Hedvig negotiates directly with the third-party claimant and pays the compensation the insured owes under the Traffic Damage Act; the insured must not independently admit liability, accept a claim, or pay compensation without Hedvig's approval, and must immediately forward any lawsuit to Hedvig.
Geographic scope
Green Card area (EU/EEA and affiliated countries)
Applies in all countries connected to the Green Card system and during transport between them; also applies worldwide for Swedish citizens and residents injured by a Swedish-registered vehicle under the Traffic Damage Act.
Unique selling points
- No lock-in period — traffic insurance can be cancelled at any time with no early-termination cost, making it usable as a genuine short-term/temporary policy.
- Same deductible for every member regardless of driver age, removing the young-driver deductible surcharges common at other insurers.
- Fully digital claims handling in the Hedvig app with an average response time of around 5 minutes.
- Coverage level can be switched instantly between traffic, half, and full insurance at any time directly in the app.
Coverage limits
Bodily Injury Liability (Third-Party)
SEK 300,000,000
Compensates personal injury to persons in and outside the vehicle caused by an accident in traffic, subject to the traffic insurance's overall 300 million SEK per-event limit, which is shared with property damage claims (not a separate limit).
Property Damage Liability (Third-Party)
SEK 300,000,000
Compensates damage to third-party property (e.g. other vehicles, buildings) caused by the insured vehicle in traffic, subject to the same shared 300 million SEK per-event limit as bodily injury claims.
Legal Defence (Traffic Liability Claims)
Covered
Within the traffic insurance itself, Hedvig negotiates with the claimant and, in the event of a lawsuit, pays the insured's reasonable court costs and, where necessary, legal representation costs for defending a liability claim; this is separate from the standalone Rättsskydd module (which has its own cap and is only included with Delkasko/Helförsäkring).
Green Card (International Motor Insurance Certificate)
Conditional
A Green Card, proving the vehicle is traffic-insured in Sweden, can be issued by Hedvig on request for travel in certain Green Card countries where physical proof is still required.
Roadside Assistance / Towing
Optional
Not part of the standalone Trafikförsäkring; the customer can add it at any time via the Hedvig app by upgrading to Delkasko/Halvförsäkring or Helförsäkring, which include the Räddning/bärgning module.
Driver Personal Injury (No-Fault)
Covered
Personal injury to the driver of the vehicle is compensated on a no-fault basis under the Traffic Damage Act, within the traffic insurance's combined 300 million SEK per-event limit (no separate driver sub-limit is stated).
Passenger Personal Injury (No-Fault)
Covered
Personal injury to passengers in the vehicle is compensated on a no-fault basis under the Traffic Damage Act, within the traffic insurance's combined 300 million SEK per-event limit (no separate passenger sub-limit is stated).
Key conditions
Territorial scope
The traffic insurance applies in all countries within the Green Card system and during transport between them; it also applies worldwide for Swedish citizens and residents injured by a Swedish-registered vehicle, under the Traffic Damage Act.
Green card rules
A physical Green Card may still be required as proof of insurance in certain member countries; contact Hedvig in advance so a card can be issued and posted to you.
Driver restrictions
The vehicle must not be driven by anyone criminally impaired by alcohol, drugs, or other intoxicants, and the driver must hold the driving license required for the vehicle; a special surcharge deductible of 10% of the price base amount applies to traffic claims caused by an unlicensed or impaired driver or through gross negligence.
Claim notification deadline
Claims and third-party liability demands must be reported to Hedvig without delay; Hedvig's instructions must then be followed and any lawsuit against the insured must be reported immediately.
Bonus-malus rules
Sweden does not use a formal bonus-malus class system; instead the premium is influenced by the policyholder's overall claims history across all their Hedvig policies, together with factors such as annual mileage, age and place of residence.
Where to buy
Policy specifics
Green Card (International Motor Insurance Certificate)
Required proof of third-party liability insurance for travel in some countries outside EU/EES; Hedvig can issue Green Cards upon request
SourceCompulsory Traffic Insurance Geographic Scope
Traffic insurance (Trafikförsäkring) applies in all countries covered by the Green Card system and between them; applies globally for Swedish citizens and residents injured by Swedish-registered vehicles
SourceStationary Coverage (Avställningsförsäkring)
When a car is deregistered from road use via Swedish Transport Agency, compulsory traffic insurance (Trafikförsäkring) alone cannot be deregistered; it converts to stationary coverage (Avställningsförsäkring) covering theft, vandalism, fire when vehicle is not in use
SourceDriver Sobriety Requirement
For coverage to be valid, the vehicle must not be driven by anyone criminally impaired by alcohol, drugs, or other intoxicating substances
SourceTemporary Vehicle Lending
Policy is issued to the person who primarily uses the vehicle, but may be temporarily lent to friends, family, and acquaintances as long as they hold a valid driving license
SourcePrivate Use Only
Traffic insurance applies only for private personal use, not for business use, professional purposes, or any economic activity
SourceDigital Claims Submission via Hedvig App
Claims must be reported primarily through the Hedvig mobile app; backup methods include web forms and telephone contact
Source