Santander bilförsäkring i samarbete med Trygg-Hansa
Santander bilförsäkring i samarbete med Trygg-Hansa is a motor third-party liability insurance for the SE market with no online purchase and limited assistance availability.
Direct payment
Trygg-Hansa manages all traffic insurance claims directly. They investigate liability, negotiate with claimants, and pay compensation required under the Swedish Road Traffic Damage Act (trafikskadelagen 1975:1410). The insurer handles all legal proceedings on behalf of the policyholder.
Geographic scope
SE
Gäller i alla länder anslutna till Gröna kort-systemet samt vid transport mellan dessa länder. Trafikförsäkringen gäller i hela världen för svenska medborgare eller personer med hemvist i Sverige som skadas av ett svenskregistrerat fordon.
Unique selling points
- Traffic insurance limit of SEK 300 million per incident – well above the EU minimum requirement.
- Worldwide traffic insurance protection for Swedish residents injured by Swedish-registered vehicles, extending beyond the standard Green Card territorial limits.
- Integrated crisis support (Krishjälp) included from the base traffic insurance tier at no extra cost, covering up to 10 psychological treatment sessions and legal telephone advice after robbery or assault.
- Binding internal dispute resolution through the independent Försäkringsnämnden för Trygg-Hansa, whose decisions are legally binding on the insurer.
- Optional 'Bilförsäkring stor' package extends motor and electronics coverage to 10 years or 15,000 Swedish mil (150,000 km) and includes halved deductibles, extended new-car replacement and private medical care add-on in a single bundled upgrade.
Coverage limits
Bodily injury liability
Covered
Covers personal injury to persons inside and outside the insured vehicle arising from traffic use, pursuant to the Swedish Road Traffic Damage Act (trafikskadelagen 1975:1410). Maximum compensation is SEK 300 million per incident. Compensation for driver's or passenger's clothing and personal belongings worn at the time of the incident is covered up to 25% of the price base amount per person.
Property damage liability
Covered
Covers damage to other vehicles in traffic where the insured vehicle's driver can be proven at fault, and damage to third-party property outside the vehicle. Maximum compensation is SEK 300 million per incident (combined limit). Does not cover damage to the policyholder's own vehicle or property transported by the insured vehicle.
Legal defence (Rättsskydd)
Covered
Covers necessary and reasonable legal costs for disputes where the policyholder is party as owner, user or driver of the insured vehicle. Maximum compensation per dispute is SEK 400,000. Covers representative fees, court costs, evidence costs, and mediator fees. Also covers criminal proceedings for minor traffic offences (fines-only level), causing death or bodily harm. Does not cover speeding, running red lights, DUI, or unlicensed driving.
Green Card / International coverage
Covered
The insurance is valid in all countries connected to the Green Card system and during transport between these countries. For Swedish citizens or persons resident in Sweden injured by a Swedish-registered vehicle, the traffic insurance applies worldwide including non-Green Card countries. A Green Card certificate can be ordered via the customer portal; some countries require a physical or digital certificate. Refer to Trafikförsäkringsföreningen (tff.se) for the list of countries.
Roadside assistance / Towing (Bärgning)
Excluded
Included in the halvförsäkring (semi-comprehensive) tier and above. Covers towing to the nearest workshop able to repair the vehicle when the vehicle has been stolen and recovered, damaged, or suffered another breakdown. Also covers passenger and driver transport to their home location in the Nordic countries. Includes towing to the nearest charging station for EVs with a discharged drive battery (Bärgning vid urladdat batteri). Not applicable for breakdowns due to fuel shortage. Deductible applies as per the insurance certificate.
Driver accident cover
Excluded
No standalone driver accident coverage is included in the MTPL (trafikförsäkring) tier alone. Personal injury to the driver is covered under the traffic insurance provisions of the Swedish Road Traffic Damage Act, but a separate driver accident add-on (C.3 Privat vård och ersättning för medicinsk invaliditet efter trafikolycka) providing up to SEK 600,000 for medical invalidity is available only as an optional add-on for privately owned cars and is not part of the base MTPL.
Passenger accident / Crisis support
Covered
Passenger personal injuries are covered under the traffic insurance pursuant to the Swedish Road Traffic Damage Act. Additionally, the Krishjälp (crisis support) coverage is included from the trafikförsäkring level and covers passengers: up to 10 psychological treatment sessions within 12 months of the incident and 1 hour of legal telephone advice in case of robbery or assault. The optional C.3 add-on (medical invalidity up to SEK 600,000 per person) also extends to passengers when taken out.
Key conditions
territorial_scope
The insurance is valid in all countries connected to the Green Card system and during transport between these countries. For Swedish citizens or persons resident in Sweden injured in traffic with a Swedish-registered vehicle, the traffic insurance applies worldwide under the Swedish Road Traffic Damage Act (1975:1410), including non-Green Card countries.
green_card_rules
The insurance is valid in all Green Card system countries. Some countries require a physical or digital Green Card certificate, which can be ordered via the customer portal. See the Swedish Motor Insurers (Trafikförsäkringsföreningen, tff.se) website for the full list of member countries. For Swedish citizens or persons domiciled in Sweden, worldwide coverage applies under the Swedish Road Traffic Damage Act even outside Green Card countries.
driver_restrictions
The vehicle must not be driven by a driver who is criminally influenced by alcohol or other intoxicants. The vehicle must not be driven by a driver without a valid driving licence. Learner driving is only permitted if the instructor and student meet the legal requirements. An additional excess (ungdomssjälvrisk) applies for privately owned cars/vans when the driver was under 24 and this was not pre-notified: SEK 2,000. For company-owned cars/vans with a driver under 24: 5% of the price base amount. A criminal excess of 10% of the price base amount applies for DUI, unlicensed driving, and intentional or grossly negligent causation of damage.
claim_notification_deadline
Claims must be reported to Trygg-Hansa without delay. If the policyholder is served with a compensation claim after a traffic accident or summoned to court as a defendant, this must be reported immediately. The policyholder must not admit liability or agree to compensation amounts independently. The general prescription period for traffic damage compensation is 10 years from the incident; after reporting within 10 years, the claimant always has at least 6 months to bring proceedings after a final decision has been issued.
bonus_malus_rules
For company-owned vehicles, there are nine bonus classes. New policies without prior bonus history are placed in bonus class 7. Bonus class 9 requires 15 consecutive claim-free years; bonus class 8 requires 10 consecutive claim-free years. Each claim resulting in a traffic insurance payout reduces the bonus by three classes from the next policy period. If the policyholder has 15 or more claim-free years, the bonus is reduced by only two classes (from class 9 to class 7). Bonus is not reduced for payouts solely for injured reindeer or dogs, thefts/joyriding, police inspections, or where a third party is solely at fault. For privately owned vehicles, the bonus/malus system is not explicitly detailed in the T&C; pricing factors are specified in the insurance certificate.
Policy specifics
Motor and electronics coverage
Extended coverage for engine, climate control, battery and electronic systems up to 12,000 km/8 years age limit
Towing and roadside assistance
Free towing to nearest workshop or charging station (for EV) if vehicle cannot be driven
Drulle - Small damage coverage
Coverage for small inconveniences like lost keys, wrong fuel, coffee spills - included in all car insurance except traffic insurance alone
Approved workshop network
Repairs must follow Trygg-Hansa instructions regarding workshop selection, repair method and materials for valid claims
Vehicle warranty integration
For cars less than 3 years old with manufacturer warranty, half-insurance is sufficient for full protection; coverage automatically upgrades to full insurance when warranty expires
Green Card requirement for abroad travel
Valid in all Green Card system countries; some countries require physical or digital Green Card certificate