If Motor third-party liability (Trafikforsakring Personbil)

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.

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.

Territorial scope

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.