1. Information Purposes Only

The information provided on the Website is for general informational purposes only. The content is intended to provide information on car insurance options in Sweden, but should not be considered as legal, financial, or insurance advice.

Swedish Car Insurance Guide makes no representation or warranty regarding the completeness, accuracy, reliability, or availability of any information on the Website. Any reliance you place on such information is strictly at your own risk.

We strongly recommend that you consult with a qualified insurance professional, financial advisor, or legal professional before making any decisions about car insurance policies.

2. Not An Insurance Provider

Swedish Car Insurance Guide is not an insurance company, broker, agent, or provider. We do not sell, underwrite, or provide insurance policies. Our Website serves as an informational resource to help consumers understand their car insurance options in Sweden.

The actual insurance policies, coverage terms, conditions, limitations, and exclusions are determined solely by the insurance providers. When you decide to purchase an insurance policy, you will be entering into a contract directly with the insurance provider, not with Swedish Car Insurance Guide.

3. Third-Party Insurance Providers

When we reference specific insurance providers or products on our Website, this information is provided as part of our educational mission. Our Website may contain links to third-party websites of insurance providers or other related resources.

These links are provided for your convenience only:

• We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through our Website.
• We do not have control over the content and availability of those websites.
• Your interaction with any third-party websites is governed by the terms and privacy policies of those third parties.

4. Affiliate Relationships and Compensation

Swedish Car Insurance Guide may have financial relationships with some of the insurance providers mentioned on the Website. We may receive compensation in the following ways:

• Commissions when a user purchases an insurance policy through our Website
• Referral fees for directing users to an insurance provider's website
• Advertising fees for displaying advertisements on our Website

These financial relationships may influence the information presented on the Website, including which insurance providers are featured and how they are ranked or compared. However, we strive to provide fair and balanced information regardless of these relationships.

We disclose these relationships to ensure transparency, but our reviews and comparisons aim to be based on objective criteria such as coverage options, premium rates, customer service reputation, and claims handling.

5. Price Information and Quotes

Any pricing information displayed on the Website is provided for illustrative purposes only and is subject to change without notice. Actual insurance premiums depend on many factors, including but not limited to:

• Your individual circumstances (age, driving history, etc.)
• The specific vehicle being insured
• Your location within Sweden
• The coverage options and deductibles you select
• Current market conditions and provider pricing strategies

The only way to get an accurate price for your car insurance is to request a personalized quote directly from an insurance provider. Insurance quotes presented through our Website are estimates provided by the respective insurance companies and are subject to change upon full underwriting and evaluation.

6. No Guarantee of Results

Swedish Car Insurance Guide does not guarantee that:

• You will qualify for any particular insurance policy or rate
• Your application for insurance will be approved
• The information on our Website will result in you finding the lowest available insurance premium
• Any insurance policy purchased will meet your specific needs or requirements

Insurance providers have their own underwriting guidelines and may decline coverage or offer different terms than expected based on their assessment of your individual risk profile.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Swedish Car Insurance Guide, its owners, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to:

• Your use of, or inability to use, the Website
• Any errors, omissions, or inaccuracies in the content
• Any decision made or action taken by you in reliance on the information provided on the Website
• Any insurance policy purchased or service engaged as a result of using our Website
• Any unauthorized access to or use of our servers and/or any personal information stored therein

This limitation applies regardless of whether such liability is based on warranty, contract, tort, negligence, strict liability, or any other legal theory, and whether or not we are advised of the possibility of such damages.

8. Updates to This Disclaimer

We may update this Disclaimer from time to time. Any changes will be posted on this page with an updated "Last Updated" date at the top. Your continued use of the Website following the posting of changes means that you accept and agree to the changes.

We encourage you to periodically review this Disclaimer to stay informed about our disclaimers and limitations.

9. Applicable Law

This Disclaimer shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions.

10. Contact Us

If you have any questions about this Disclaimer, please contact us at:

Swedish Car Insurance Guide
Sveavägen 123
Stockholm, 11346
Sweden

Email: [email protected]
Phone: +46 70 123 4567