Paydrive Motor third-party liability (Trafikforsakring)
Underwritten by Dina Försäkring AB · Sweden
motor third-party liability insurance from Paydrive for the Sweden market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-02-13Sources
Unique selling points
Premiums are based on actual kilometres driven each month rather than an estimated annual mileage, so low-mileage drivers pay less.
A telematics-based driving-style score (from Supersäker to Farlig) can lower the premium for safe drivers through periodic repricing.
Kristerapi (crisis therapy) with a licensed psychologist, up to 10 sessions, is included even at the basic trafikförsäkring level.
Konsumenternas försäkringsbyrå has rated Paydrive's car insurance 4.6 out of 5.
Policyholders get a free, real-time individual CO2 footprint based on how the insured car is actually driven, at no extra cost.
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 expenses cover (Rättsskydd)
Excluded
Legal expenses cover is not included at the trafikförsäkring-only level. Rättsskydd is only included when halvförsäkring or helförsäkring is purchased in addition to the mandatory traffic insurance.
Section: 3. Vad försäkringen omfattar
Rättsskydd Ingår Ingår Ingår Ingår -
Green Card
Covered
Traffic insurance automatically covers the countries within the Green Card system without a physical card. For travel to certain countries outside the Nordics (e.g. Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey and Ukraine) a physical Green Card certificate must be requested from Paydrive in advance; there is no separate monetary sum insured for this coverage.
Section: 2. Var försäkringen gäller
Kontakta oss på Paydrive för beställning av Grönt kort när du ska resa utanför Norden.
Roadside assistance (Assistans)
Excluded
Roadside assistance is not included in a stand-alone trafikförsäkring. It is only available as an add-on (Pluspaket or separate tillägg) together with halv- or helförsäkring.
Section: 3.5 Tilläggsförsäkringar > 3.5.4 Assistans
Nedanstående tilläggsförsäkring kan endast tecknas om du valt halv- eller helförsäkring.
Driver personal injury protection
Covered
Personal injury to the driver caused by traffic with the insured vehicle is covered under trafikförsäkring per the Traffic Damage Act, with compensation assessed case-by-case (no fixed sum insured). The separate Trafikolycksfall accident rider, which pays fixed sums of SEK 600,000 for medical invalidity and SEK 50,000 for death, is only available when halv- or helförsäkring is purchased, not at the trafikförsäkring-only level.
Section: 1. Vem försäkringen gäller
Trafikförsäkringen gäller också enligt trafikskadelagen för den som drabbas av skada i följd av trafik med fordonet.
Passenger personal injury protection
Covered
Personal injury to passengers caused by traffic with the insured vehicle is covered under trafikförsäkring per the Traffic Damage Act, with compensation assessed case-by-case (no fixed sum insured). The separate Trafikolycksfall accident rider, with fixed sums of SEK 600,000 for medical invalidity and SEK 50,000 for death, is only available with halv- or helförsäkring.
Section: 1. Vem försäkringen gäller
Trafikförsäkringen gäller också enligt trafikskadelagen för den som drabbas av skada i följd av trafik med fordonet.
Key conditions
Driver restrictions
Trafikförsäkring always applies regardless of driver age or probationary licence status. If the driver was under 24 years old at the time of a vagnskada or trafikskada, an additional 'ungdomssjälvrisk' deductible of SEK 1,000 applies on top of the base deductible, but cover itself is not voided.
Claim notification deadline
Claims must be reported to Paydrive without undue delay via paydrive.se, phone or mail. Theft, vandalism and wild-animal collisions must also be reported to the police. The policyholder must contact Paydrive before repair, towing or replacement of the vehicle.
Bonus-malus rules
Paydrive does not use a traditional bonus-malus ladder. Premiums are instead revised for each new insurance period based on telematics-derived driving data (speeding, acceleration, braking, road type, time of day). A high-risk surcharge (högrisktillägg) of up to 3 times the month's combined daily premiums applies on the next invoice if the driving style recorded on the 27th of the month is classified as 'Farlig' (dangerous); the surcharge is removed once the driving style improves.
Territorial scope
Applies in countries covered by the Green Card agreement and during transport between them. Traffic insurance (trafikförsäkring) also applies worldwide under the Traffic Damage Act for damage caused by a Swedish-registered vehicle to a Swedish citizen or resident. Cover does not apply during driving on closed motorsport circuits such as Anderstorp, Gotland Ring, Mantorp or Nürburgring.
Documents
Policy specifics
Telematics box (Bilbox) installation requirement
Paydrive requires installation and functioning of a telematics device (Bilbox) in the vehicle for full insurance coverage. If not installed or disconnected, insurance applies with double deductible or extra premium surcharge.
SourcePage 2Section: Bilboxen och datadelning– särskilda krav
Om ovan krav inte är uppfyllda tillämpas ett särskiltpremiepåslag. Om skada inträffar när ovan krav inte är uppfyllda gäller försäkringen med dubbel självrisk.
Driving style-based premium adjustment
Paydrive adjusts insurance premiums based on actual driving behavior and distance driven. The company assigns driving style classifications (Supersäker, Säker, Okej, Osäker, Farlig) that affect monthly costs.
SourceTraffic insurance deductible (trafikförsäkring självrisk)
Traffic insurance carries the basic deductible stated in the policy letter, plus SEK 1,000 if the driver was under 24. A special deductible of 10% of the price base amount applies only in the cases listed (no valid licence, improper practice driving, drink-driving, intent or gross negligence).
SourcePage 5Section: Särskilda självrisker > Särskild trafiksjälvrisk
Om föraren vid vagnskada eller trafikskada var under 24 år vid skadetillfället höjs självrisken med 1 000 kr.
Green card (Grönt kort) requirement for international travel
Automatic traffic insurance coverage applies in EU/EES countries without Green Card. For Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey and Ukraine, a Green Card (international motor insurance certificate) must be obtained from Paydrive.
SourceVehicle class eligibility restrictions
Paydrive traffic insurance covers private cars (personbil) and light trucks (lätt lastbil) only. Not available for motorcycles, mopeds, commercial vehicles, or specialty vehicles.
SourcePage 1Enskild bilförsäkring för personbil och lätt lastbil
Third-party personal injury and property damage coverage
Traffic insurance (MTPL) covers personal injury (including driver, passengers, and third parties) and property damage caused by the insured vehicle in traffic accidents. Coverage is mandatory under Swedish Motor Traffic Damage Act.
SourcePage 5Section: Trafikförsäkring
Trafikförsäkringen ersätter personskador och skada på andra personers egendom som uppstår till följd av trafik med ditt fordon.
Claims notification and reporting procedures
Insured parties must report claims (skada) to Paydrive without undue delay through www.paydrive.se online portal, phone, or by mail. Paydrive claims handling is open 24 hours with digital tools. Supporting documentation must be submitted promptly.
SourcePage 12Section: Anmäla skada
Skada ska anmälas till oss utan dröjsmål. Skadeanmälan gör du enklast genom att gå in på Paydrives hemsida www.paydrive.se.
Insurer discretion in repair vs. replacement decisions
Paydrive/Dina Försäkring AB may decide whether damaged vehicles are repaired, replaced with equivalent vehicle, or cash settlement is paid. Insurer also selects repair method and provider.
SourceClause 5.1Page 25Section: 5. Ersättnings- och värderingsregler > 5.1 Hur vi ersätter
Paydrive har rätt att avgöra om skadat fordon ska repareras, ersättas med likvärdigt fordon eller om skadan ska ersättas kontant.
Monthly premium billing based on distance driven
Insurance premium is billed monthly and split into fixed monthly cost plus variable mileage cost. Monthly invoice reflects actual kilometers driven during previous month, recorded by Bilbox or vehicle data.
SourcePage 12Section: Premiens betalning
Månadspremien betalas i början av varje månad. Betalning sker via betal-, kreditkort eller faktura.
Sources
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- paydrive.sehttps://paydrive.se/bilforsakring-1(opens in a new tab)
- paydrive.sehttps://paydrive.se/faq(opens in a new tab)
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Paydrive Motor third-party liability