Coverage levels
We have compiled a list of the most common types of damages that our insurance covers. You can also complement your insurance with different supplementary insurances, please contact our customer service for more information. Please note that damages are always compensated in accordance with the complete terms and conditions (only available in Swedish).
Third party insurance (Trafikförsäkring)
Third party insurance is required by law. It compensates among other things:
• Personal injuries to the driver, passengers and other people outside of the car
• Damages to vehicles and other objects that you collide with, e.g.
fences.
Partial Cover Car Insurance (Delkaskoförsäkring)
Third-party insurance together with the partial cover car insurance is what we call “half insurance” and compensates the following in addition to what is listed above:
• Theft and damage resulting from attempted thefts or break-ins.
• Fire and damages to electrical cables after a short-circuit.
• Glass that has been crushed or has cracked.
• Engine damage.
• Towing upon theft, traffic accidents or other breakdowns.
• Attorney or court costs for litigation up to 200 000 SEK.
Motor hull insurance (Vagnskadeförsäkring)
Third-party insurance and partial cover car insurance together with motor hull insurance make up what we call comprehensive insurance and includes protection for everything listed above as well as:
• Damages to the car upon collision or other traffic accidents.
• Intentional damages to the car by a third party.
• Other exterior accidents, e.g. damages caused by a tree falling on the car.
Off the road insurance (Avställningsförsäkring)
During periods that you are not using your car and have it temporarily off the road, you can convert your insurance to an off the road insurance. This insurance does not cover as much as a comprehensive insurance, but it lowers your insurance premiums. The off the road insurance is only valid if the car is located in Sweden.
FAQ
What is insured?
What is insured depends upon which components you decide to include in your insurance. The example below refers to a comprehensive insurance.
- Driver, passengers and the car.
- Equipment that is normally found in cars. Stereo or other electronic equipment is compensated without limitation when factory mounted (or mounted subsequently by the manufacturer, or the manufacturer’s authorized importer, or by the manufacturer’s authorized dealer), stolen equipment that is not factory mounted is compensated up to 10 000 SEK including installation.
- An extra set of summer or winter tires.
Where is the insurance valid?
Our insurance is valid in all countries that are part of the Green card system and during transport between these countries. Green cards can be ordered from us free of charge. It is advised that you take your certificate of registration with you when you travel outside of the Nordic countries. You can find more information about travelling abroad at
www.tff.se.