Yes, third-party liability insurance (Trafikförsäkring) is legally required for all vehicles in Sweden. This covers damage to other people, vehicles, and property, but not your own vehicle. Our Basic Package includes this mandatory coverage plus some additional protections.

Swedish car insurance premiums are typically calculated based on several factors, including:

• Driver's age and driving history
• Vehicle make, model, age, and value
• Where you live (urban areas typically have higher premiums)
• Annual mileage
• Coverage level and deductible amount
• No-claims bonus (bonus for claim-free years)

"Självrisk" is the Swedish term for deductible - the amount you pay out of pocket when making a claim. In Swedish insurance policies, there are often different deductible amounts for different types of claims. For example, you might have a higher deductible for collision claims than for windshield repairs. Generally, choosing a higher deductible results in lower premiums.

Standard and Premium packages generally cover winter-related incidents, but there are important considerations for winter driving:

• Winter tires are legally required in Sweden when winter conditions are present (typically December through March)
• Failure to have appropriate tires could affect your coverage if you have an accident
• Consider roadside assistance coverage, which is especially valuable during winter months
• Our Premium Package includes enhanced roadside assistance specifically designed for Swedish winter conditions

For more information, read our Winter Driving Insurance Tips for Swedish Roads blog post.

In Sweden, most insurance companies offer a "no-claims bonus" (skadefria år) system that rewards drivers who don't make claims. Each claim-free year typically results in a premium discount, up to a maximum level after several years. If you make a claim, your bonus level may be reduced, resulting in higher premiums. Some minor claims (like windshield repairs) might not affect your bonus level.