We insure 900,000 cars in Sweden
Folksam insures 900,000 cars across Sweden. Choose car insurance that helps protect you, your passengers and your car if something happens on the road.
- Top-rated cover for own-damage, mechanical and electrical breakdowns, and glass damage, according to The Swedish Consumers’ Insurance Bureau.
- Windscreen chip repairs at no excess with partial or comprehensive cover.
- No excess if you collide with an animal and your insurance includes vehicle damage cover.
- Get up to 25% discount on your car insurance
Car insurance when you have a foreign driving licence
Your driving licence must be valid in Sweden
Your driving licence must be valid in Sweden when you drive. Driving without a valid licence can affect your insurance.
Your compensation may be reduced and, in serious cases, you may receive no compensation.
Which driving licences are valid in Sweden?
EEA licences: A driving licence issued in an EEA country is valid in Sweden as long as it is valid in the country where it was issued and has not been exchanged for a Swedish driving licence.
Driving licences issued outside the EEA: These are generally valid in Sweden until you have been registered as a resident here for one year. There are exceptions, including driving licences from the United Kingdom and the Faroe Islands.
Some licences may also require a certified translation. See the Swedish Transport Agency (Transportstyrelsen) for the full and current rules
Information about driving licences at Transportstyrelsen (in English)
Why do I have to call Folksam to get a accurate quote?
We do not receive information from the Swedish Transport Agency confirming that you hold a foreign driving licence. This can affect the price calculated online. Contact us so that we can calculate the correct price for you.
0771-585 922Choose the right level of car insurance
You can choose between third-party liability insurance (trafikförsäkring), partial cover (halvförsäkring) and comprehensive cover (helförsäkring).
You can also choose Bilförsäkring Stor for more cover.
Third-party liability insurance (trafikförsäkring)
In Sweden, a car that is registered for use must have third-party liability insurance.
It can cover:
- personal injuries to the driver, passengers and other people
- damage that you cause to someone else’s property.
It does not cover damage to your own car. For that you need partial or comprehensive cover.
Partial cover (halvförsäkring)
Partial cover includes third-party liability insurance and additional protection for your car.
It can cover:
- theft and attempted theft
- fire
- windscreen and other glass damage
- mechanical and electrical breakdowns
- towing and recovery
- legal expenses
Partial cover does not include vehicle damage cover (vagnskadeförsäkring) for damage caused by a collision or another sudden external event. For this protection, choose comprehensive cover.
Comprehensive cover (helförsäkring)
Comprehensive cover includes everything covered by third-party liability insurance and partial cover. It also includes vehicle damage cover (vagnskadeförsäkring).
Vehicle damage cover can provide compensation if your car is damaged in:
- a collision
- a single-vehicle accident
- vandalism
- a parking accident
- another sudden external event, such as a falling tree
More cover with Bilförsäkring Stor
Bilförsäkring Stor is our extended car insurance and can be combined with either partial cover or comprehensive cover.
It includes additional benefits such as:
- rental car
- assistance (Folksam assistans)
- interior damage cover
- lost key cover
- misfuelling cover
- lower excess on certain claims
Which level of car insurance should I choose?
A new car with a vehicle damage warranty
New cars often include a vehicle damage warranty (vagnskadegaranti) for the first three years. While the warranty is valid, partial cover together with the warranty may provide protection similar to comprehensive cover. Check when the warranty expires and what it covers before choosing your insurance.
A car without a vehicle damage warranty
Comprehensive cover may be suitable if the vehicle damage warranty has expired and the car still has a high market value. Folksam generally recommends comprehensive cover during the first ten years of a car’s life.
A car with a lower market value
Consider the car’s market value and the cost of the insurance. Comprehensive cover may not be worthwhile if the additional premium is high compared with the value of the car.
If you need your car every day
You can add rental car cover to partial or comprehensive cover. It is included in Bilförsäkring Stor. It can provide compensation for a replacement car if your own car cannot be used following damage covered by the policy.
For extra peace of mind - choose Bilförsäkring Stor
Bilförsäkring Stor includes additional cover and lower excesses for certain claims.
How to save up to 25% on your car insurance
10% multi-policy discount
If you insure both your home and car with us, you may receive a 10% discount on your car insurance and a 10% discount on your home insurance*.
5% multi-car discount
10% discount for a safe and environmentally friendly car
If you own an electric car included on our list of safe and environmentally friendly cars, you receive an additional 10% discount.**
More discounts
When you have home insurance with us, you can also receive a 10% multi-policy discount on many other types of insurance, including pet, child and other vehicle insurance.
Discount exceptions
* The home insurance discount does not apply if you arranged your insurance through a trade union or other organisation, as you already receive a discounted membership price. You can still receive the discount on your car insurance.
** The discount applies for three years from the car’s first registration date.
Highly rated car insurance
the independent Swedish Consumers’ Insurance Bureau has rated Bilförsäkring Stor 4.6 out of 5.
See the comparison (in Swedish)Compare our car insurance options
| This is included in our car insurance | Comprehensive cover | Partial cover | Third-party liability |
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The insurance covers personal injuries to the driver, passengers and other people. It also covers damage that you cause to someone else’s property. It does not cover damage to your own vehicle or property inside it. Excess: SEK 1,000. For drivers under 24, the excess is SEK 2,000. |
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If you experience mental health problems as a direct result of an event covered by the car insurance, you can receive crisis counselling consisting of ten sessions with a licensed psychologist or psychotherapist appointed by us. Excess: No excess. |
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The car insurance covers damage caused by fire, lightning or explosion. A punctured tyre is not considered an explosion. Certain limits apply to equipment fitted after manufacture. Excess for privately owned car: SEK 1,800. The excess is halved with Bilförsäkring Stor |
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The insurance covers the windscreen, side windows, rear window or other glass used for visibility if it cracks or shatters, for example because of a stone chip. Excess for privately owned car: SEK 1,800 if the glass needs to be replaced. There is no excess if the glass can be repaired. |
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You can receive compensation if your vehicle is damaged during theft or attempted theft. If the vehicle is stolen, compensation is paid if it has not been recovered within one month. The insurance does not apply if someone who has access to the vehicle uses it without permission. Equipment must be permanently fitted to or locked inside the vehicle. A removed vehicle part or item of equipment is covered if it is kept in a locked private garage or another locked space that only you can access. Audio equipment, a car phone or other communication equipment is covered if it is permanently fitted and designed solely for use in the vehicle. Factory-fitted equipment is covered without a maximum amount. Certain limits apply to equipment fitted after manufacture. The maximum compensation is one Swedish price base amount which is equal to 59 200 SEK. DVDs, CDs and mobile phones are not covered. Excess for privately owned car: SEK 1,800. The excess is halved with Bilförsäkring Stor. |
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If the vehicle breaks down, the insurance covers transport to the nearest suitable repairer. You are not covered if the vehicle stops because it has run out of fuel. If the vehicle is stolen, damaged or breaks down, we also cover travel costs back home for the driver and passengers. If the driver becomes acutely ill or is injured in an accident, we cover the journey home for a passenger who cannot continue the journey. The maximum compensation is based on a distance equal to the journey to the vehicle’s home location. Excess for a privately owned car: SEK 1,800. The excess is halved with Bilförsäkring Stor. |
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The owner or driver can receive compensation for legal and court costs if a dispute arises, for example after a traffic accident or in connection with a purchase, sale or repair. The insurance can also help if you are suspected of certain traffic offences. The maximum compensation is SEK 300,000. Excess: 20% of the costs, with a minimum excess of SEK 1,800. |
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The insurance covers, for example, damage or faults affecting the engine, electronics, gearbox and climate control system. For a privately owned passenger car, the cover applies until the car reaches 8 years of age or 150,000 km. For electric, hybrid and plug-in hybrid vehicles, damage to the electric or high-voltage battery is covered until a passenger car reaches 8 years of age or 200,000 km. Mechanical and electrical breakdown with Bilförsäkring Stor With Bilförsäkring Stor, the age limit for privately owned passenger cars is extended to 10 years. The mileage limits are unchanged. Excess: For a full list of excesses for mechanical and electrical breakdown cover, see the Excesses section. |
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This covers damage to the car caused by a traffic accident, intentional vandalism or another sudden external event, such as a collision, leaving the road, a falling tree or transport on another vehicle, including a car ferry or train. Limits: Certain limits apply to equipment fitted after manufacture, such as navigation equipment and car audio systems. You can choose from several excess levels, starting at SEK 3,500. There is no excess for a collision with an animal or a collision with another vehicle abroad. |
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With Roadside assistance, help arrives within one hour if your car breaks down. If assistance is not included in the car insurance you choose, you can add it as optional cover. It's included in Bilförsäkring Stor. Roadside assistance includes: • help at the roadside within one hour in Sweden • a rental car for three days • lockout assistance and hotel accommodation You can use Roadside assistance on three occasions per policy year. The cover also applies abroad. Excess: No excess, for a maximum of three occasions per year. |
Optional cover | Optional cover | |
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Rental car cover is included in Bilförsäkring Stor. You can also add it as optional cover. It helps reduce disruption if your own car cannot be driven because of damage covered by the policy. During the rental period, we pay 75% of the daily rental and mileage costs. Reasons to add Rental Car cover: • access to a replacement car for up to 65 days if your own car is damaged • 100% of the daily rental and mileage costs when driving abroad • if you do not need a rental car, you can decline it and receive SEK 200 per day instead Can I receive rental car compensation if my car is stolen? Yes. If the car is stolen, compensation is also paid for the period it remains missing. If it is not recovered, compensation is paid for the time reasonably needed to obtain an equivalent car. |
Optional cover | Optional cover |
| Additional cover with Bilförsäkring Stor | |
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The insurance has a lower excess for claims such as fire, theft and roadside recovery. For misfuelling, interior damage and lost keys, the excess is only SEK 900 for a privately owned passenger car. |
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Roadside assistance is included in Bilförsäkring Stor. If your car breaks down, for example because the battery is flat, a recovery vehicle can reach you within one hour. It can provide rapid charging at the roadside or tow the car to the nearest charging point. There is no excess for Roadside assistance. Assistance includes
Does roadside assistance apply abroad, and how often can I use it? The cover also applies when you take your car abroad. You can use road assistance three occasions per policy year. |
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Rental car cover helps reduce disruption if your own car cannot be driven because of damage covered by the policy. During the rental period, we pay 75% of the daily rental and mileage costs. Rental car cover includes:
Can I receive rental car compensation if my car is stolen? Yes. If the car is stolen, compensation is also paid for the period it remains missing. If it is not recovered, compensation is paid for the time reasonably needed to obtain an equivalent car. |
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The insurance covers sudden and unforeseen damage to the interior of the passenger compartment and luggage compartment, as well as the roof box and load carriers. |
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The insurance covers a replacement key or recoding if the car’s ignition key or central-locking remote control is lost or destroyed. |
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If you accidentally fill your car with the wrong fuel, we will cover the cost of repairing the mechanical damage. The insurance covers recovery and cleaning of the fuel tank, fuel lines and filter. |
Excesses
The table below shows the excesses for Bilförsäkring Stor and for partial and comprehensive cover. The amount you pay depends on the type of claim and your level of cover.
| Bilförsäkring Stor | Partial and comprehensive cover | |
|---|---|---|
| Third-party liability insurance | SEK 1,000. If the driver is under 24, the excess is doubled. For certain traffic offences, the excess is 10% of the Swedish price base amount (prisbasbelopp). | SEK 1,000. If the driver is under 24, the excess is doubled. For certain traffic offences, the excess is 10% of the Swedish price base amount (prisbasbelopp). |
| Crisis counselling | No excess | No excess |
| Fire | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 |
Privately owned passenger car: SEK 1,800 Passenger car owned by a legal entity: SEK 4,500 |
| Theft | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 |
Privately owned passenger car: SEK 1,800 Passenger car owned by a legal entity: SEK 4,500 |
| Glass | Privately owned passenger car: SEK 1,800 Passenger car owned by a legal entity: SEK 2,500 Glass repair: No excess |
Privately owned passenger car: SEK 1,800 Passenger car owned by a legal entity: SEK 4,500 Glass repair: No excess |
| Mechanical and electrical breakdown | Privately owned passenger car: SEK 1,800 up to 50,000 km, SEK 3,500 up to 100,000 km and SEK 5,000 over 100,000 km. Passenger car owned by a legal entity: SEK 4,500 up to 50,000 km, SEK 6,500 up to 100,000 km and SEK 8,000 over 100,000 km. Privately owned light commercial vehicle: SEK 1,800 up to 50,000 km, SEK 3,500 up to 100,000 km and SEK 5,000 over 100,000 km. Light commercial vehicle owned by a legal entity: SEK 4,500 up to 50,000 km, SEK 6,500 up to 100,000 km and SEK 8,000 over 100,000 km. |
Privately owned passenger car: SEK 1,800 up to 50,000 km, SEK 3,500 up to 100,000 km and SEK 5,000 over 100,000 km. Passenger car owned by a legal entity: SEK 4,500 up to 50,000 km, SEK 6,500 up to 100,000 km and SEK 8,000 over 100,000 km. Privately owned light commercial vehicle: SEK 1,800 up to 50,000 km, SEK 3,500 up to 100,000 km and SEK 5,000 over 100,000 km. Light commercial vehicle owned by a legal entity: SEK 4,500 up to 50,000 km, SEK 6,500 up to 100,000 km and SEK 8,000 over 100,000 km. |
| Roadside recovery | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 With assistance included in Bilförsäkring Stor: No excess |
Privately owned passenger car: SEK 1,800 Passenger car owned by a legal entity: SEK 4,500 With optional assistance: No excess |
| Legal expenses cover | 20% of the costs, with a minimum excess of SEK 1,800 | 20% of the costs, with a minimum excess of SEK 1,800 |
| Vehicle damage cover | Standard excess – privately owned vehicle Driver aged 24 or over: SEK 3,500, 5,000, 6,500 or 12,000 Driver under 24: SEK 4,500, 6,000, 7,500 or 13,000 Standard excess – vehicle owned by a legal entity Driver aged 24 or over: SEK 4,500, 5,000, 6,500 or 12,000 Driver under 24: SEK 5,500, 6,000, 7,500 or 13,000 Collision with an animal: No excess Collision with another vehicle abroad: No excess Intentional vandalism by someone outside your household Half of the own-damage excess applies. With a vehicle damage warranty, we cover the amount above SEK 3,500. |
Standard excess – privately owned vehicle Driver aged 24 or over: SEK 3,500, 5,000, 6,500 or 12,000 Driver under 24: SEK 4,500, 6,000, 7,500 or 13,000 Standard excess – vehicle owned by a legal entity Driver aged 24 or over: SEK 4,500, 5,000, 6,500 or 12,000 Driver under 24: SEK 5,500, 6,000, 7,500 or 13,000 Collision with an animal: No excess Collision with another vehicle abroad: No excess Intentional vandalism by someone outside your household Half of the own-damage excess applies. With a vehicl |
| Vehicle damage warranty | Collision with an animal: No excess Intentional vandalism by someone outside your household With a vehicle damage warranty, we cover the amount above SEK 3,500. |
Collision with an animal: No excess Intentional vandalism by someone outside your household With a vehicle damage warranty, we cover the amount above SEK 3,500. |
| Interior damage | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 |
Not included |
| Misfuelling | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 |
Not included |
| Lost key | Privately owned passenger car: SEK 900 Passenger car owned by a legal entity: SEK 2,500 |
Not included |
| Rental car | We pay 75% of the daily rental and mileage costs | Optional cover |
| Assistance | No excess, for a maximum of three occasions per year | Optional cover |
Frequently asked questions
What does car insurance cover?
What your car insurance covers depends on the level of cover you choose. You can choose mandatory third-party liability insurance, partial cover with more protection, or comprehensive cover, which includes everything in third-party liability insurance and partial cover plus vehicle damage cover.
The different levels are explained below. For a clearer overview, see the comparison table and choose the cover that suits your needs.
Third-party liability insurance (trafikförsäkring)
To drive your car on Swedish roads, you must have at least third-party liability insurance. It covers personal injuries to you as the driver, your passengers and other people if an accident occurs.
Partial cover (halvförsäkring)
Partial cover includes the mandatory third-party liability insurance. It also protects your own car against certain types of damage, such as glass, theft and fire damage.
Comprehensive cover (helförsäkring)
Comprehensive cover includes third-party liability insurance and partial cover. It also includes vehicle damage cover for damage to your car caused by a collision or another external event.
What is the difference between partial cover and comprehensive cover?
Partial cover (halvförsäkring) includes third-party liability insurance and cover for events such as theft, fire, glass damage, mechanical and electrical breakdown, roadside recovery and legal expenses.
Comprehensive cover (helförsäkring) includes everything in partial cover, plus vehicle damage cover for damage to your car caused by a collision, vandalism or another sudden external event.
Why do I need at least third-party liability insurance?
In Sweden, a car that is registered for use must normally have third-party liability insurance. The insurance must apply from the day you become the registered owner. If the car is notified as off road and is not used, the insurance requirement normally does not apply.
If a car that must be insured has no third-party liability insurance, the owner may have to pay a daily fee to the Swedish Motor Insurers (Trafikförsäkringsföreningen). The fee is much higher than a standard insurance premium.
What is roadside assistance?
Roadside assistance, called Folksam Assistans in our car insurance, is optional cover that provides help if your car breaks down and you are stranded. You can add it to partial or comprehensive cover,, and it is included in Bilförsäkring Stor. You can use assistance on three occasions per policy year with no excess.
How does laid-up car insurance (avställningsförsäkring) work?
If you register your car as off road (avställd) in the Swedish Road Traffic Registry (Transportstyrelsen), you do not need third-party liability insurance while the car remains off road and is not used. If you have partial or comprehensive cover with us, the insurance is changed to laid-up car insurance automatically.
Laid-up car insurance applies in Sweden and includes cover for events such as theft, fire and glass damage. Vehicle damage cover is also included, but not for damage caused by a traffic accident while the car is off road.
What is classic car insurance (veteranbilsförsäkring)?
Classic car insurance (veteranbilsförsäkring), also called enthusiast vehicle insurance, is designed for owners of classic cars. Your car must meet certain criteria before you can arrange this insurance.
You must be a member of a collector car club that works with MHRF. The car must be classified as a classic car, which in this context means that it is more than 20 years old.
MHRF offers classic vehicle insurance called Samlarfordon together with Folksam.
Read more about classic car insurance at MHRF (in Swedish)
How do I switch my car insurance?
If you change the level of cover, for example from partial to comprehensive cover, contact us and the new level can apply from the same day. If you change car, tell the insurance company. You can do this at any time during the policy year. You can normally change insurance company only on the main renewal date (huvudförfallodag) shown in your policy document. Arrange insurance with the new company and then contact your current company to cancel the existing policy.
Where can I find information about other Folksam insurance?
You can find an overview of our insurance and savings options in English, including insurance for your home, family, pets and other vehicles.
Buying a car?
What do I need to do after buying a car from a private seller?
You and the seller must report the change of ownership to the Swedish Transport Agency (Transportstyrelsen). Your car insurance must apply from the day you become the registered owner. Otherwise you will have to pay a daily fee to the Swedish Motor Insurers (Trafikförsäkringsföreningen).
For the insurance to apply, the policyholder and the registered owner of the car must be the same person. You can report a change of ownership digitally on the Swedish Transport Agency.
Read more at Transportstyrelsen about change of ownership (in English)
What happens when I buy a car from a dealer?
When you buy a car from a dealer, the dealer helps with the change of ownership and may also arrange car insurance for you at the dealership. Many dealers work with Folksam and can offer introductory insurance so that you are insured when you drive away. This includes cars bought from our partner Riddermark Bil.
We offer brand-specific insurance for Mazda, Hyundai and Honda. Authorised dealers may offer special terms for these policies.
I want to import a car from another country. What do I need to do?
The requirements depend on whether you are importing the car from an EU country or from a country such as the United States or Canada.
The Swedish Transport Agency (Transportstyrelsen) provides information and guidance on what you need to do.
Importing and registering a vehicle in Sweden – Swedish Transport Agency (in English)
I have sold my car. How do I cancel the insurance?
You do not need to cancel the insurance when you sell your car. When the change of ownership is registered with the Swedish Transport Agency, we receive a notification.
We end the car insurance from the date you signed the ownership transfer documents.
How much does a car insurance cost?
How is the price of car insurance calculated?
When calculating the price of your car insurance, we consider factors such as where you live, the car you drive, its age and model, and how far it will be driven each year. The price also depends on the level of cover you choose.
If you have a foreign driving licence, you need to call us so that we can calculate the correct price. We do not receive confirmation from the Swedish Transport Agency that you hold a foreign licence, which can otherwise result in a higher insurance price.
How does annual mileage affect car insurance?
Annual mileage can affect the price and terms of your insurance. Contact us to change your annual mileage if you expect to drive more or less than estimated.
0771-585 922Can I get an additional discount for an electric car?
We have reduced the insurance price for many fully electric cars. You may also receive a 10% multi-policy discount if you have home insurance with Folksam. If you choose a car on our list of recommended new cars, you may receive an additional 10% discount for a safe and environmentally friendly car.
Our list of safe new cars (in Swedish)
What applies to different types of damage?
I have a stone chip in my windscreen. What should I do?
If your windscreen has a stone chip or crack, have it repaired as soon as possible before the crack grows and the whole windscreen needs to be replaced.
There is no excess for repairing the windscreen. If the windscreen must be replaced, the standard excess applies.
Book the repair directly with Ryds Bilglas or Carglass. If neither company operates in your area, use the link below to find a nearby repairer. You do not need to report the claim to us.
Find your nearest approved repairer (in Swedish)
My car was deliberately damaged by someone else. What excess do I pay?
If your Bilförsäkring includes optional vehicle damage cover, you pay only half of your own-damage excess and we pay the rest. If your Bilförsäkring does not include optional vehicle damage cover but the car still has a valid vehicle damage warranty, we pay the part of the excess above SEK 3,500.
What should I do if I collide with an animal?
If you collide with certain wild animals, you must report the collision to the police by calling 112 and mark the place where it happened. This applies, for example, to collisions with moose, deer, roe deer and wild boar. You must also report a collision with a reindeer. You can read more at SOS Alarm.
If the animal leaves the scene, mark the side of the road where it disappeared. Do not follow or track an injured animal yourself. See SOS Alarm's website for the full list of animals covered by the reporting requirement.
Wildlife accident information - SOS Alarm (in English)
Can I receive compensation for a lost car key?
If you have Bilförsäkring Stor and lose the ignition key or central-locking remote control, you may receive compensation for the lost key.
What does the insurance cover if an electric car causes a fire or short circuit?
If your electric car causes a fire or short circuit, damage to the building may be covered by your building insurance (villaförsäkring). Damage to the car and its accessories should instead be reported under your car insurance.
How does the insurance work?
Does car insurance apply when I drive in Europe?
Our car insurance applies in EEA countries and in other countries that are part of the Green Card system. In some countries, you need to carry a Green Card as proof of insurance.
Read more about the Green Card – proof of motor insurance for your car (in Swedish)Does car insurance apply during supervised driving practice?
For the car insurance to apply, both the learner driver and the supervisor must meet the Swedish Transport Agency’s requirements and rules for supervised driving practice.
The car insurance then applies in the same way as when the car is driven by someone with a valid driving licence.
The supervisor has full responsibility during the driving practice and is regarded as the driver.
What happens if I don't insure my car?
If your car is registered for use, it must atleast have third-party liability insurance even if you are not driving it. If the car is uninsured, the Swedish Motor Insurers (TFF) will charge you a daily motor third-party liability insurance fee. The cost of this is much higher than what you'd pay for car insurance.
Terms and important information
The full policy terms and other important insurance documents are available in Swedish. The policy terms contain the complete terms that apply to the insurance.
