A more comfortable car insurance

A used car that is less than three years old is already covered by the vehicle damage warranty, so in that case you only need partial coverage. For cars between 3 and 10 years, full coverage is always recommended. Traffic insurance is mandatory by law and is included in all coverage options.

But this is not an exact science — in many cases, there are other factors that need to be taken into consideration as well. Confused? Just talk to us and we’ll help you sort it out.

Basic guidelines for choosing coverage:

• Partial coverage: New car, 0—3 years old
• Full coverage: 3+ year old car
• Traffic insurance only: 10+ year old car with a value below 25,000 SEK

You can switch between traffic insurance, partial and full coverage anytime in the Hedvig app. It’s just as easy to cancel your insurance. Hedvig has no lock-in period.

Switching to Hedvig is quick and easy. Here’s how:

1. Take a price quote and and sign up for our car insurance.

2. Receive an email with a link that lets you authorize us to cancel your previous policy, using BankID.

3. We’ll contact your previous insurer and cancel the policy for you.

4. Done! Your new Hedvig car insurance will automatically come into effect on the day that your previous one expires.

(Please note: if your previous insurance policy expires within one week, you’ll need to contact your insurer yourself to cancel it.)

Most other insurance companies have lock-in periods. But we make it as easy as possible for you. We’ll activate your new car insurance only when the old one is terminated. If you have gotten rid of your old car and are insuring a new one, you have no lock-in period with your old insurance company.

Whether it’s parking damage or an engine failure in the middle of the highway, you can expect fast help from Hedvig. You can choose where you want to have your car repaired — or just talk to us and we’ll recommend a workshop. We offer easy claims reporting in the Hedvig app, and smooth payouts for common problems.

Hedvig offers the same low prices whether you take out a single insurance policy or several. And we always give you full flexibility to change, pause or cancel your insurance at any time.

No. At Hedvig, we don’t want to make it harder to use your insurance just because you are under 25 years old, so the deductible remains the same regardless of your age.