Insurance Checklist for Swedish Residents

Car Insurance Checklist

Have mandatory third-party liability insurance (trafikförsäkring)

This is legally required for all vehicles driven in Sweden and covers injuries to others and damage to their property.

Consider comprehensive coverage (helförsäkring) for newer vehicles

This includes collision coverage, theft protection, fire damage, and glass breakage.

Verify winter driving coverage

Ensure your policy covers common winter incidents like skidding on ice and getting stuck in snow.

Check deductible amounts (självrisk)

Understand what you'll pay out-of-pocket for different types of claims.

Confirm roadside assistance coverage

Essential in Sweden, especially during winter months.

Verify coverage for animal collisions

Important in rural areas with wildlife like moose and deer.

Check rental car coverage

Ensure you have transportation if your vehicle needs repairs after an accident.

Understand your bonus class (bonus/malus)

This affects your premium and changes based on your claims history.

Property Insurance Checklist

Have appropriate home insurance (hemförsäkring or villaförsäkring)

Basic coverage for your dwelling type, whether an apartment or house.

Verify coverage limits for personal property

Ensure your belongings are adequately covered based on their total value.

Check special limits for valuable items

Items like jewelry, art, and electronics may need additional coverage.

Confirm water damage coverage

Particularly important for Swedish homes due to winter conditions and potential pipe freezing.

Verify liability coverage

Protects you if someone is injured on your property or you accidentally damage others' property.

Check for legal protection (rättsskydd)

Covers legal costs in certain disputes, a standard feature in Swedish policies.

Consider additional flood protection

Standard policies may have limitations on certain types of water damage.

Verify coverage for outbuildings

Check if structures like garages, sheds, and saunas are adequately covered.

Confirm coverage for winter-related damages

Such as roof damage from snow weight or frozen pipes.

General Insurance Checklist

Create and maintain a home inventory

Document your belongings with photos and receipts for easier claims processing.

Review policy exclusions

Understand what isn't covered in your policies to avoid surprises.

Check for bundling discounts

Combining multiple policies with one insurer often results in savings.

Verify coverage for travel abroad

Many Swedish home insurance policies include basic travel insurance.

Check for membership discounts

Unions, professional organizations, and clubs often offer insurance discounts.

Review insurance annually

Set a reminder to review coverage and compare rates each year.

Understand the claims process

Know how to file a claim and what documentation you'll need before an incident occurs.

Keep digital copies of insurance documents

Store policy details, contact information, and claim procedures in an accessible digital location.

Insurance Checklist