Our Car Insurance Packages
We offer three carefully designed insurance packages to meet different needs and budgets. Each package provides essential protection while giving you the flexibility to choose the coverage level that's right for you.
All of our packages include access to our customer portal, mobile app, and 24/7 customer support. Browse through the options below and find the perfect fit for your car insurance needs in Sweden.
Package Comparison
| Coverage | Basic | Standard | Premium |
|---|---|---|---|
| Starting Price | 2,500 SEK/year | 3,800 SEK/year | 5,200 SEK/year |
| Third-party liability (Trafikförsäkring) | |||
| Fire coverage | |||
| Theft protection | |||
| Legal assistance | |||
| Collision coverage | |||
| Glass coverage | |||
| Roadside assistance | |||
| Rental car coverage | |||
| New car value protection | |||
| Personal property in vehicle | Up to 10,000 SEK | Up to 15,000 SEK | Up to 25,000 SEK |
| Deductible (collision) | N/A | 3,500 SEK | 1,500 SEK |
| Get Quote | Get Quote | Get Quote |
Package Details
Basic Package
Starting from 2,500 SEK per year
Our Basic package provides the essential coverage required by Swedish law plus some additional protections. It's designed for budget-conscious drivers or those with older vehicles.
Key Benefits:
- Third-party liability coverage: Covers damage to other people's property and personal injuries to others in an accident you cause.
- Fire protection: Coverage if your vehicle is damaged by fire.
- Theft protection: Covers theft of your vehicle or break-ins.
- Legal assistance: Legal support if you're involved in a traffic-related dispute.
Ideal for: Budget-conscious drivers, older vehicles, or vehicles that are rarely used.
Get a QuoteStandard Package
Starting from 3,800 SEK per year
Our most popular option! The Standard package includes everything in the Basic package plus collision coverage and glass protection, providing a good balance of coverage and cost.
Key Benefits:
- All Basic package coverages
- Collision coverage: Repairs to your vehicle after an accident, regardless of fault.
- Glass coverage: Repair or replacement of windshield and windows.
- Higher personal property coverage: Up to 15,000 SEK for personal items damaged or stolen from your vehicle.
Ideal for: Most drivers, newer vehicles, and family cars used regularly.
Get a Quote
Premium Package
Starting from 5,200 SEK per year
Our Premium package offers the most comprehensive coverage available, with additional benefits that provide complete peace of mind for you and your vehicle.
Key Benefits:
- All Standard package coverages
- Roadside assistance: 24/7 help if your car breaks down, including towing and minor repairs.
- Rental car coverage: Provides a rental vehicle while yours is being repaired.
- New car value protection: If your new car is totaled within the first two years, you'll receive the full purchase price rather than the depreciated value.
- Lower deductible: 1,500 SEK instead of 3,500 SEK for collision claims.
- Maximum personal property coverage: Up to 25,000 SEK for personal items.
Ideal for: Luxury vehicles, new cars, high-value vehicles, and drivers wanting maximum protection.
Get a QuoteFactors Affecting Your Premium
Vehicle Type
The make, model, age, and value of your vehicle significantly impact your premium. Expensive cars or those with high repair costs typically cost more to insure.
Driver Profile
Your age, driving experience, and claims history are key factors. Younger drivers or those with previous claims may face higher premiums.
Location
Where you live in Sweden matters. Urban areas with higher traffic density and crime rates often have higher insurance costs than rural areas.
Annual Mileage
How much you drive affects your risk profile. Higher annual mileage typically means higher premiums due to increased exposure to potential accidents.
Security Features
Vehicles with advanced security features like alarms, immobilizers, and tracking systems may qualify for discounts on theft-related coverage.
Deductible Amount
Choosing a higher deductible (the amount you pay out of pocket before insurance kicks in) can lower your premium, but increases your financial responsibility in a claim.
Available Discounts
No Claims Bonus
Up to 70% discount for drivers with a history of claim-free years. Each year without a claim increases your bonus.
Green Vehicle Discount
10-15% discount for electric and hybrid vehicles to support environmental sustainability.
Multi-Policy Discount
Save up to 15% when you insure multiple vehicles or combine with home insurance.
Annual Payment Discount
5% discount when you pay your annual premium in full instead of monthly installments.
Safety Feature Discount
Vehicles with advanced safety features like automatic emergency braking and lane departure warning can receive up to 10% discount.
Driver Training Discount
Young drivers who complete advanced driving courses can qualify for a 5-10% reduction.
Frequently Asked Questions
How do I choose the right package for my needs?
Consider factors like your vehicle's value, your driving habits, and your budget. For newer or more expensive cars, we recommend at least the Standard package. If you use your car daily for commuting in urban areas, the Premium package offers the most peace of mind. Our customer service team can help you make the best choice for your specific situation.
Can I customize these packages?
Yes, to some extent. While the packages provide structured options, we offer add-ons like increased coverage limits, special glass deductibles, or additional driver coverage. Contact our team to discuss your customization needs.
How do I file a claim?
Claims can be filed through our mobile app, online customer portal, or by calling our 24/7 claims hotline. We recommend documenting the incident with photos and collecting information from any other parties involved. Our claims process is designed to be straightforward and efficient.
Are there any additional fees?
The prices listed are base annual premiums. There may be additional costs for payment plans (monthly vs. annual), policy changes mid-term, or reinstatement after a lapse. All fees are clearly disclosed before you commit to a policy.
How is my premium calculated?
Premiums are calculated based on multiple factors including your driving history, age, location, vehicle type and age, annual mileage, and chosen coverage options. We use statistical models to assess risk and determine fair pricing.
Ready to Protect Your Vehicle?
Get the peace of mind that comes with knowing you're properly covered on Swedish roads.
Interesting Facts About Car Insurance in Sweden
Historical Perspective
Sweden was one of the first countries to introduce mandatory car insurance in 1929, establishing a tradition of strong driver protection.
Mutual Companies
Many Swedish insurance providers operate as mutual companies, meaning they are owned by policyholders rather than shareholders, potentially aligning incentives better with customer interests.
Standardized Terms
The Swedish insurance industry has worked to standardize policy terms and definitions, making it easier for consumers to compare offerings between different companies.
Price Trends
Swedish car insurance premiums have remained relatively stable compared to other European countries, with an average annual increase of only 2-3% over the past decade.