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    Life is best when accepted

    Hedvig is a new approach to insurance. It’s about freedom and being ok with your life, no matter what happens to you. We help you let go of the reality you planned, to find the one that’s waiting for you.

    We have designed an insurance experience based on how people actually want to be treated, we have rewritten the insurance terms to make them easier to understand, and we have redefined how an insurance company makes money.

    It's just stuff.

    It's just stuff.

    Have a look around - read more about our home insurance, see how it works in real life, and let us know what you think!

    We’re not up against the insurance companies of the world. We’re up against people’s fear of loss.
    – Lucas Carlsén, CEO & Co-founder

    It's just stuff.

    It's just stuff.

    What would an insurance company look like if it was built today?

    Insurance companies are hard to love. Nevertheless, insurance is something most people agree is a must-have. So we gave ourselves the task of providing not only coverage, but also an insurance company that can be loved. Or at least liked. A bit.

    Under the hood The most significant difference is that we eliminated the temptation of holding on to your money instead of paying it back out. For ourselves, we take only a fixed fee of your monthly premium, and the rest of the money is earmarked for paying out claims. That’s why you can be compensated immediately, and why we have no reason to question your story. Because we can never earn more from paying out less.

    And if there is money left over? Even if there is money left in our pocket at the end of the year, Hedvig can't take it. Instead, we donate everything to charity. As a member, you decide where your part should go!

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