If
If is a motor third-party liability insurance for the SE market with online purchase and 24/7 assistance.
Direct payment
Compensation is paid to the policyholder against receipt of payment. If has the right to direct the choice of repairer and repair method. Compensation cannot be assigned to a third party (e.g. a workshop) without If's approval. For roadside assistance, towing or glazier services, If must be contacted before ordering.
Geographic scope
SE
Trafikförsäkringen gäller i samtliga länder anslutna till gröna kort-systemet. Trafikförsäkringen gäller vidare i hela världen för svensk medborgare eller för den som har sin hemvist i Sverige enligt Trafikskadelagen, för skada som i följd av trafik med svenskregistrerat fordon. Försäkringen gäller inte när fordonet befinner sig på banområde iordningsställt för körning med motorfordon, t.ex. Anderstorp, Gotland Ring, Mantorp, Nürburgring inklusive Nordslingan.
Unique selling points
- If's Stor bilförsäkring is rated 4.5 out of 5 points in Konsumenternas independent insurance comparison.
- High-voltage batteries in electric and hybrid vehicles are replaced without any age deduction when damaged.
- Vagnskadeförsäkring is automatically added when the manufacturer's warranty (vagnskadegaranti) expires, ensuring continuous comprehensive coverage with no action required.
- 24/7 claims and roadside assistance service reachable at +46 771-655 655, available in Sweden and abroad for all policyholders.
- Up to 15% multi-policy discount when combining car insurance with other If insurance products and choosing digital payment.
Coverage limits
Bodily injury liability
Covered
Covers personal injury to the driver, passengers and third parties arising from traffic with the insured vehicle. Per Trafikskadelagen (1975:1410) traffic damage compensation for one and the same event is capped at SEK 300,000,000 (excluding interest and legal costs).
Property damage liability
Covered
Covers damage to third-party property outside the vehicle arising from traffic with the insured vehicle. Maximum compensation per event is SEK 300,000,000 (excluding interest and legal costs) per Trafikskadelagen (1975:1410).
Legal defence (Rättsskydd)
Optional
Covers necessary legal and court costs in certain disputes related to car ownership, up to SEK 300,000 per dispute (of which max SEK 30,000 for own investigation costs and SEK 30,000 for witness fees). Included in halvförsäkring and above; not included in standalone trafikförsäkring.
Green Card (international insurance certificate)
Covered
The MTPL (trafikförsäkring) is valid in all countries affiliated with the Green Card system. An international insurance certificate (green card) can be issued free of charge on request for countries where it is required. The MTPL is additionally valid worldwide for Swedish citizens or persons domiciled in Sweden for damage caused by a Swedish-registered vehicle, per Trafikskadelagen.
Roadside assistance and towing (Vägassistans)
Optional
Covers towing to the nearest suitable workshop if the vehicle breaks down, is damaged or stolen during travel. Also covers personal transport costs home or to the destination for driver, passengers and private luggage. Available from halvförsäkring and above; not included in standalone trafikförsäkring. With the Hyrbil och vägassistans add-on or Stor bilförsäkring, the roadside assistance deductible is reduced to SEK 0.
Driver accident insurance (Förar- och passagerarolycksfall)
Optional
Optional add-on covering the driver for personal injury resulting from a traffic accident that leads to medical disability or death. Maximum compensation for 100% medical disability is SEK 600,000, paid proportionally based on degree of disability and the insured's age. In the event of death within two years of the accident, SEK 50,000 is paid to the estate. Also includes crisis therapy (up to 10 sessions with a licensed psychologist in Sweden).
Passenger accident insurance (Förar- och passagerarolycksfall)
Optional
Optional add-on covering passengers for personal injury resulting from a traffic accident that leads to medical disability or death. Maximum compensation for 100% medical disability is SEK 600,000, paid proportionally based on degree of disability and age. In the event of death within two years, SEK 50,000 is paid to the estate. Included within the same Förar- och passagerarolycksfall add-on that covers the driver.
Key conditions
territorial_scope
The MTPL (trafikförsäkring) is valid in all countries affiliated with the Green Card system. Additionally, per Trafikskadelagen (1975:1410), it is valid worldwide for Swedish citizens or persons domiciled in Sweden for damage caused by a Swedish-registered vehicle. The insurance does not apply when the vehicle is on a circuit designated for motor vehicle racing, e.g. Anderstorp, Gotland Ring, Mantorp, Nürburgring including Nordschleife. The non-MTPL coverages (exklusive trafikförsäkringen) are valid in Green Card countries except Morocco and Tunisia, and do not apply if the vehicle has been abroad for more than 182 days in the preceding 12 months.
green_card_rules
A green card (internationellt trafikförsäkringsbevis) can be issued by If on request, free of charge, and is required in certain Green Card countries. If issues the green card upon the policyholder's request. The vehicle's registration certificate must always be carried when travelling outside the Nordic countries.
driver_restrictions
The driver must hold a valid driving licence, driving permit or meet the minimum age required by law or regulation for the vehicle or vehicle combination. The insurance does not cover damage if the driver is under the influence of alcohol (rattfylleri), if the vehicle is operated despite a driving ban (körförbud), or if the vehicle is used for racing, street racing, stunt exercises or during or in connection with criminal activities, riots or gang-related violence.
claim_notification_deadline
Damage must be reported to If as soon as possible. Theft, vandalism and accidents involving wild or domestic animals must also be reported to the police. For roadside assistance, towing or glazier services, If must be contacted before ordering. If has the right to direct the choice of repairer and repair method. The policyholder has 10 years from the date of loss to bring a claim (general limitation period); if the claim was reported to If within this period, the claimant has at least 6 months after If's final decision to bring legal proceedings.
bonus_malus_rules
The bonus system (fordonsbonus) applies if stated in the insurance certificate. Sweden does not have a centralized statutory bonus-malus system; each insurer applies individual merit-rating. Each claim-free policy year moves the policy one step up to a higher bonus class. A claim resulting in a payout from the traffic insurance (trafikförsäkring) and/or collision damage insurance (vagnskadeförsäkring) reduces the bonus by three classes from the following policy year. The bonus affects the annual premium.
Where to buy
Policy specifics
Rental car coverage
Coverage for rental car up to 75 days if the insured vehicle cannot be used due to damage covered by the insurance
Machine and electronics damage coverage
Coverage for mechanical and electronic failures including engine failure, transmission problems, climate system, and electronic components
High-voltage battery coverage
Coverage for high-voltage battery damage in electric or hybrid vehicles without age deduction
Lost or damaged car key coverage
Coverage for repair or replacement of damaged or lost car keys
Legal protection insurance
Coverage for legal costs that may arise from disputes related to car ownership
Racing and competitive use exclusion
Insurance does not cover damage when vehicle is used for racing, training, competitive driving, or similar competitive circumstances
Commercial use exclusion
Insurance does not cover claims when car is rented out, lent for payment, used in delivery services, or under commercial circumstances
Geographic coverage area
Traffic insurance (MTPL) applies in Green Card system countries; comprehensive and partial coverage applies in Green Card countries except Morocco, Tunisia, and Iran
Vehicle safety and maintenance requirements
Insured must maintain vehicle in roadworthy condition; safety regulations must be observed to maintain full coverage
Bonus-malus system
Policyholder may earn bonus discount for claim-free years; claim resulting in payout reduces bonus by three classes