Länsförsäkringar Motor third-party liability (Trafikforsakring Bil)
Underwritten by Länsförsäkringar · Sweden
motor third-party liability insurance from Länsförsäkringar for the Sweden market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2026-04-01Sources
Unique selling points
Customer-owned mutual insurer where profits are returned to policyholders rather than paid out as shareholder dividends.
In-house alarm and claims centre (larmcentral) staffed every day of the year, plus a dedicated international line (Länsförsäkringar Skadejour) for incidents abroad.
Traffic insurance for Swedish-registered vehicles covers claims worldwide for Swedish citizens or residents, even in countries outside the Green Card System.
Operates through 23 independent regional companies, giving customers a local office rather than a single national call centre.
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 defence costs (liability claims)
Covered
If the policyholder is claimed against for damages and the claim proceeds to litigation, Länsförsäkringar pays reasonable legal costs; where legal representation is deemed necessary for a compensable personal-injury claim, reasonable counsel fees are paid up to the government's standard hourly-fee norm for legal aid. No fixed sum insured is stated.
Section: 2. Trafikförsäkring > 213
Om försäkringen gäller för skadan, betalar vi dina rättegångskostnader om de är skäliga och om de överensstämmer med vårt intresse i rättegången.
Green Card / territorial cover
Covered
Trafikförsäkring is valid in all countries connected to the Green Card System and during transport between them; for Swedish-registered vehicles it additionally covers claims worldwide when a Swedish citizen or resident is injured, even outside Green Card System countries.
Section: 1. Här gäller din försäkring
Din motorfordonsförsäkring gäller i de länder som är anslutna till det så kallade gröna kort-systemet och vid transport mellan dessa länder.
Roadside assistance and rescue cover
Excluded
Not part of the standalone trafikförsäkring. Assistans- och räddningsförsäkring is bundled only within Länsförsäkringar's kaskoförsäkring modules, available when trafikförsäkring is combined into a halv- or helförsäkring.
Section: 3. Kaskoförsäkring
Kaskoförsäkringen innehåller vagnskade-, brand-, glas-, stöldsamt maskinskade- och elektronikförsäkring. Den innehåller också allrisk-, kris-, rättsskydds-, assistans- och räddningsförsäkring samt Tilläggsförsäkring MER.
Driver personal injury (traffic injury)
Covered
Personal injury to the driver caused by traffic with the insured vehicle is compensated as part of the general traffic-injury liability cover under the Motor Traffic Damage Act, within the shared SEK 300 million per-event ceiling. There is no separate driver-accident sum insured.
Passenger personal injury (traffic injury)
Covered
Personal injury to passengers caused by traffic with the insured vehicle is compensated as part of the general traffic-injury liability cover under the Motor Traffic Damage Act, within the shared SEK 300 million per-event ceiling. There is no separate passenger-accident sum insured.
Key conditions
Driver restrictions
An extra 'ungdomssjälvrisk' of SEK 1,000 applies for personbil/lätt lastbil/husbil/Entusiastbil claims when the driver is under 24 (waived if the policyholder was driving, or in animal-collision claims). A 10% of prisbasbelopp 'brottssjälvrisk' applies if the driver lacked a valid licence, was driving under the influence, or caused the damage with intent or gross negligence. A-traktor carries a fixed SEK 3,000 basic self-risk.
Claim notification deadline
Claims must be reported without delay ('utan dröjsmål'). The right to traffic-injury compensation lapses if legal action is not brought within ten years of the incident; if the claim was reported in time, the claimant always has six months after the insurer's final decision to bring action.
Bonus-malus rules
This trafikförsäkring does not use a bonus-malus claims-history discount scale in the current terms. The premium is instead based on the policyholder's registered domicile (folkbokföringsort), the vehicle's estimated annual mileage class (five bands from up to 10,000 km to over 25,000 km), the driver's age and driving licence, and the vehicle's make, type and model year.
Territorial scope
No territorial time-limit applies specifically to the traffic (liability) insurance module itself; the 182-day-outside-Sweden restriction stated in the terms applies only to the casco (kasko) modules, not to trafikförsäkring.
Documents
Policy specifics
Mandatory traffic insurance requirement
Swedish law (Motor Traffic Damage Act - Trafikskadelagen) requires all motor vehicles to carry traffic liability insurance when used in traffic
SourceSection: Vilken fordonsförsäkring är obligatorisk?
Trafikförsäkring är den del av försäkringen som du måste ha enligt Trafikskadelagen (TSL).
Green Card System territorial coverage
Traffic insurance coverage applies in countries connected to the Green Card System and for transportation between these countries
SourceSource no longer reachableTraffic insurance self-risk (deductible)
The basic self-risk (grundsjälvrisk) for trafikförsäkring is SEK 1,000 for a private individual and 5% of the prisbasbelopp for a legal person, unless otherwise stated in the insurance certificate; for A-traktor the self-risk is a fixed SEK 3,000. No bonus-malus claims-history scale affects this self-risk.
SourceClause 221Page 4Section: 2. Trafikförsäkring > 22 Självrisker > 221
För personbil, lätt lastbil, husbil, moped klass 1, motorcyklar och oregistrerade motorcyklar gäller trafikförsäkringen med en självrisk (grundsjälvrisk) på 1 000 kronor för fysisk person och 5 procent av prisbasbeloppet för juridisk person om inte annat anges i ditt försäkringsbrev. För A-traktor gäller trafikförsäkringen med en självrisk på 3 000 kronor.
Governing law and jurisdiction
Swedish law applies to the insurance contract; disputes shall be handled by Swedish courts with application of Swedish law
SourceSource no longer reachableInsurer's right of recourse
Where traffic insurance compensates a claim, the insurer has the right to claim back from the policyholder for the portion of compensation corresponding to the self-risk borne by the insurer
SourceSource no longer reachableOwnership and registration requirement for coverage
Insurance coverage requires that the insured party is either the owner and principal user of the vehicle, or if leased, is registered as the user in the Road Traffic Register
SourceSource no longer reachablePremium calculation factors
The premium for trafikförsäkring is calculated based on the policyholder's registered domicile (regardless of where the vehicle is used), the vehicle's estimated annual mileage class (five bands, from up to 10,000 km to over 25,000 km, for personbil/lätt lastbil), the driver's age and driving licence status, and the vehicle's make, type and model year. No bonus-malus claims-history scale applies.
SourceClause 613Page 13Section: 6. Bestämmelser om premieberäkning
Premien beräknas utefter var du är folkbokförd, oavsett var fordonet används.
Sources
- secure235.lansforsakringar.sehttps://secure235.lansforsakringar.se/Villkor/MF45.pdf(opens in a new tab)Source no longer reachable
- lansforsakringar.sehttps://www.lansforsakringar.se/globalassets/aa-global/dokument/villkor/01020-villkor-motorfordon.pdf#page=13(opens in a new tab)
- lansforsakringar.sehttps://www.lansforsakringar.se/globalassets/aa-global/dokument/villkor/01020-villkor-motorfordon.pdf#page=3(opens in a new tab)
- lansforsakringar.sehttps://www.lansforsakringar.se/globalassets/aa-global/dokument/villkor/01020-villkor-motorfordon.pdf#page=4(opens in a new tab)
- lansforsakringar.sehttps://www.lansforsakringar.se/privat/forsakring/bilforsakring/trafikforsakring/(opens in a new tab)
Länsförsäkringar Motor third-party liability