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Does your car need to be insured in Sweden?

18/9/2019

0 Comments

 
Yes, of course it does 🙂 but do you know what else needs to be insured to be on the road in Sweden? 
Picture
Here is a list of other vehicles that must have motor third party liability insurance if they aren't registered as 'off-road':
  • Motorcycle
  • Moped
  • Electric bicycle
  • Tractor
  • ”Quad bike”/ATV
  • Snow scooter
  • Garden tractor or riding lawn mower with towing hook or eye
  • Truck
  • Lorry
  • Bus

There are exceptions to the list, for example if the vehicle is only driven on an enclosed track and not on the road.  


If you have a vehicle that isn't insured, TFF - the Swedish Motor Insurers Association - will charge you a fee per day which works out far higher than insurance premiums would be.


If you have any questions, get in touch with TFF and check out their English website: https://www.tff.se/en/ 


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What happens if your parked car gets damaged?

18/9/2019

1 Comment

 
It isn't nice to return to your parked car only to find someone has scraped it or banged into it. What is useful to know (and a relief too!) is that the Swedish Motor Insurers Association (Trafikförsäkringsföreningen) will compensate you for the damage it is was caused in Sweden by an unknown vehicle that is legally obliged to be insured. 
Damaged car - New in Sweden
Unfortunately, they don't provide compensation for damage caused by other things, such as bicycles, shopping trolleys or human beings.

How to apply for compensation

You need to prove:
  1. your vehicle was parked
  2. the damage was caused by an unknown vehicle legally required to have insurance.

The first step in the process is to contact your own insurance company. They should settle the claim for you and usually you won't need to contact TFF directly. If you aren't happy with the settlement, you can ask TFF to review the claim.  TFF does deduct an excess of between 2000kr-3000kr from the claim.  

As with any crime, you should also report the damage to the police.

TFF has an English version of the their website which you can find here:
https://www.tff.se/en/
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  • Home
    • NEW IN DANDERYD
    • RISK FREE GUARANTEE
    • INFORMATION YOU CAN TRUST
    • FAQs >
      • FOR RELOCATION AGENTS
      • TELL A FRIEND
  • HOW IT WORKS
  • SUPPORT TEAM
  • Workshops 2021
    • Learn Swedish
    • Professional job hunting in Sweden
  • BLOG
  • GUIDES
    • Ultimate checklist
    • Bidding guide
    • What to wear
    • Christmas tree
    • Child benefit
    • Semlor
    • EXPAT LIFE
  • *STORE*
  • *LOG IN*