If Skadeförsäkring AB (publ)
If
If is a motor third-party liability insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
Under the traffic liability cover, trafikskadeersättning is paid directly to the injured third party under the Motor Traffic Damage Act. The policyholder must notify If immediately if claimed against for damages and the claim leads to litigation, and any admission of liability, acceptance of claims, or payment made without If's consent does not bind If.
Geographic scope
Sweden (nationwide)
Valid in all countries affiliated with the Green Card system and during transport between them, excluding Morocco and Tunisia for the non-mandatory parts; the mandatory traffic liability cover under the Motor Traffic Damage Act also applies worldwide for Swedish citizens or residents in respect of traffic with a Swedish-registered vehicle.
Unique selling points
- A traffic claim only drops the no-claims bonus by three classes rather than resetting it, preserving most of the accumulated discount.
- Driver and passenger accident cover (up to SEK 600,000 invalidity / SEK 50,000 death benefit) can be added directly to the standalone traffic liability policy, without needing to upgrade to a casco-inclusive tier.
- Free crisis therapy (up to 10 sessions with a licensed psychologist in Sweden) is included for the driver or passenger after a traffic accident when the accident add-on is attached.
- Special excesses for traffic offences (e.g. unlicensed or underage driving, drink-driving) are capped at a fixed SEK 1,000 per situation rather than scaling with claim size.
Coverage limits
Bodily injury liability
SEK 300,000,000
Covers personal injury to third parties, drivers and passengers arising from traffic with the insured vehicle under the Motor Traffic Damage Act. Compensation for one and the same event is capped at SEK 300 million, and this cap is a single aggregate limit shared with property damage liability (not an additional, separate limit).
Property damage liability
SEK 300,000,000
Covers damage to third-party property outside the insured vehicle arising from traffic with the vehicle. The SEK 300 million per-event cap under the Motor Traffic Damage Act is the same aggregate limit shared with bodily injury liability, not an additional separate limit.
Legal expenses cover (legal defence)
Excluded
Not included in standalone Trafikförsäkring. Rättsskydd (up to SEK 300,000 per dispute) is only included when the customer purchases Halvförsäkring, Helförsäkring or Stor bilförsäkring. The former add-on that attached rättsskydd, stöld and vägassistans directly to Trafikförsäkring (TrafikXtra) can no longer be newly subscribed.
Green Card system coverage
Covered
The traffic liability insurance applies in all countries affiliated with the Green Card system; in some of these countries an international motor insurance certificate (Green Card) must be issued, which If can issue on the policyholder's request. It also applies worldwide for Swedish citizens or residents in relation to traffic with a Swedish-registered vehicle.
Roadside assistance
Excluded
Not included in standalone Trafikförsäkring. Vägassistans (towing to a workshop, transport of driver/passengers and luggage) is only included when the customer purchases Halvförsäkring, Helförsäkring or Stor bilförsäkring; the former TrafikXtra add-on that attached it to plain Trafikförsäkring can no longer be newly subscribed.
Driver accident cover
SEK 600,000
Optional add-on (Förar- och passagerarolycksfall) available directly on standalone Trafikförsäkring as well as Halv-, Hel- and Stor bilförsäkring. Pays up to SEK 600,000 at 100% medical invalidity (reduced for policyholders over 45 at the time of the accident), SEK 50,000 to the estate on death within two years, and crisis therapy (up to 10 sessions with a licensed psychologist in Sweden) for the driver following a traffic accident.
Passenger accident cover
SEK 600,000
Optional add-on (Förar- och passagerarolycksfall) available directly on standalone Trafikförsäkring as well as Halv-, Hel- and Stor bilförsäkring, covering passengers of the insured vehicle on the same terms as the driver: up to SEK 600,000 at 100% medical invalidity, SEK 50,000 on death within two years, and crisis therapy after a traffic accident.
Key conditions
Territorial scope
Applies in all countries connected to the Green Card system and during transport between them; excludes Morocco and Tunisia for the non-mandatory parts, while the mandatory traffic liability cover under the Motor Traffic Damage Act also applies worldwide for Swedish citizens or residents in relation to traffic with a Swedish-registered vehicle.
Green card rules
The traffic liability insurance is valid in all countries affiliated with the Green Card system, though some countries require an international motor insurance certificate (Green Card) to be issued; If can issue a Green Card on request.
Driver restrictions
The driver must not be guilty of drunk driving and must hold the driving licence, permit or minimum age required by law or regulation to drive the vehicle or vehicle combination.
Claim notification deadline
A claim must be reported to If as soon as possible; If must be notified immediately if the policyholder is claimed against for damages and the claim leads to litigation. The right to claim compensation is otherwise lost if legal action is not brought within ten years of the loss event.
Bonus-malus rules
The policy carries a no-claims bonus shown on the policy certificate: after each claim-free insurance year the policy moves up to the next higher bonus class, giving a lower premium, while a claim paid out under the traffic and/or own-damage cover reduces the bonus by three classes from the following insurance year.
Policy specifics
Track driving exclusion
Insurance does not apply when vehicle is on racing track or competition venue
SourceCompetition use exclusion
Insurance not valid when vehicle used for competition, racing, training or similar purposes
SourceSafety regulations
Instructions on how to minimize risk of loss and damage; non-compliance may reduce or eliminate claims payout
Source