The mandatory cover every car needs

Third-party liability cover is the legal minimum for every car owner in Sweden. It covers the damage you cause to others with your car: to their vehicle, their property or to the people themselves.

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Under the Swedish Traffic Damage Act (1975:1410), third-party cover can pay for damage arising from traffic with the insured vehicle, including:

Injury to the driver of the insured vehicle
Injury to passengers in the insured vehicle
Injury to people outside the vehicle, such as pedestrians and cyclists
Damage to someone else's vehicle
Damage to other property outside the vehicle belonging to someone other than the policyholder or the driver

Damage to your own vehicle (to protect your own car as well, you need partial or comprehensive cover)
Damage to property outside the vehicle belonging to you as policyholder or to the driver, unless the damage was caused by unlawful use of the vehicle
Damage to property carried in, on or with the vehicle, beyond personal belongings in connection with an injury

The deductible for a traffic claim depends on the level you choose:

	Basic	Premium	Extended
Deductible for a traffic claim	2 500 kr	1 000 kr	0 kr
Additional deductible for young drivers (under 25)	2 000 kr	2 000 kr	0 kr