Insurance and savings with Folksam

Our car insurance holds a top rating of 4.6 out of 5 from The Swedish Consumers' Insurance Bureau (Konsumenternas Försäkringsbyrå) – and our customers also give high scores for claims handling.

In Sweden, third-party liability insurance (trafikförsäkring) is the minimum cover required by law. It does not cover damage to your own car, but it protects you if you cause damage to another vehicle or person. 

The standard cover (halvförsäkring) includes liability, theft, fire, glass, engine, rescue and legal protection. For even broader protection, you can add comprehensive cover (helförsäkring). This adds own damage cover (vagnskadeförsäkring), which insures your car if it is for example damaged in a collision or by external events.

Want extra peace of mind? Add-ons like rental car (hyrbil) and roadside assistance (assistans) are available.

Folksam’s home insurance is Sweden’s most popular – more people trust us to protect their homes than any other company. It also holds a top rating of 4.5 out of 5 from The Swedish Consumers' Insurance Bureau (Konsumenternas Försäkringsbyrå).

With our home insurance, your belongings are covered both at home and when you travel. You can also choose add-ons like accidental damage cover (All-risk – oturskydd), which protects you if, for example, your phone or laptop is lost or broken. 

Own a house? Add building insurance (villaförsäkring) to protect your villa. Live in a cooperative apartment? Choose our condominium insurance (bostadsrättsförsäkring) for full protection. Whatever your home looks like, we make sure it’s safe.

Expecting a baby or already a parent? Congratulations – the adventure begins! Every journey comes with challenges, and with the right insurance you and your child can feel more secure. 

Our extended pregnancy insurance (gravidförsäkring med utökat skydd) provides compensation for pregnancy and birth complications. If your child is born with a condition or injury, you may also receive compensation. 

Once your baby has a personal ID number and leaves the maternity ward, it’s time to apply for child insurance (barnförsäkring). It’s important not to wait, since a child insurance only covers conditions or injuries that occur after the policy starts. 

Child insurance can provide compensation if your child suffers from illness, accident, disability or lasting impairment – with protection up to the age of 25.

At Folksam we offer a wide range of insurances beyond home and car. We insure all types of vehicles – from motorcycles, mopeds and boats to caravans and motorhomes. We also provide personal insurances such as accident, life, health and income protection. 

And for pet owners, we offer insurance for dogs and cats to make sure your four-legged family members are protected too. 

With Folksam, you can gather all your insurance in one place and feel confident that you, your family and everything you care about are well protected.

And remember, insuring your home with us always gives you a 10% discount on your other insurance.

By combining your home (hemförsäkring) and car insurance (bilförsäkring) with Folksam, you get a 10% discount on both. You can also receive up to an additional 10% discount on your home insurance if you take steps to prevent burglary and up to 15% discount on your car insurance if you insure more than one car and drive a safe eco-friendly car. 

Your home insurance also gives you the opportunity to get a 10% discount when you add many of our other insurances. Contact us and we’ll tell you more.

Save for your future or for your children – whether long term or short term. With Folksam, you can choose between savings plans with traditional life insurance (kapitalförsäkring med traditionell förvaltning) or funds (fondförsäkring). You can also place your occupational pension (tjänstepension) with us. 

Our advisors can help you find a tailored solution that suits your goals.