Supplementary coverage
We offer three add-on options for your car, which extend the coverage of your regular half or full insurance.
All-risk: interior, keys, fuelling
Compensation for rental car
Lower deductible for collision
Car Insurance
Without lock-in period
A car insurance for all needs, free from binding time. Roadside assistance 24/7 and fix stone chips without paying a deductible. Repairs at the nearest workshop, or choose your favorite one.
From inside a parked car with the car door open, a woman walks from the car towards an open field with the sun setting behind the hills. She takes her phone out of her pocket to take a picture.
A flexible and easy-to-use car insurance
Need help with a broken windshield, fix a scratch, or a complete engine failure? Make a claim in the Hedvig app, or let us handle all contact with the workshop where you dropped off your car.
Workshop of your choice
Repair your car at any workshop that's convenient for you
What's included in car insurance?
Insure your car with full or half coverage. Or just traffic insurance for old cars.
Insurance coverage
Traffic insurance is legally required in order to drive in Sweden. It protects the driver, any passengers, and people outside the car in the event of an accident. The insurance applies regardless of who causes the accident.
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Traffic insurance is legally required in order to drive in Sweden. It covers damage caused by you as a driver to someone else’s property.
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Covers damage to your car if it catches fire. If your car is completely destroyed in a fire, we can provide you with a new car of equal value. Events that could have been prevented or avoided through proper maintenance are not covered.
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Covers stone chips, as well as replacement of a cracked or shattered windscreen, side window or rear window. Full coverage also covers damaged car lights, glass roofs and similar glass surfaces in the event of a traffic accident.
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Provides access to emergency roadside assistance. You are compensated for costs related to assistance in the event of a traffic accident or breakdown. Jump-start assistance, transportation to your home and additional costs for hotel stays are also included.
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Covers theft from your car and damage to the car resulting from a break-in. You can also get compensation for a new car if it's stolen. Theft of a mobile phone or other equipment that is not permanently installed is not covered. Removed car parts and wheels must be stored in a locked space.
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Protection for the engine, battery and car functions against sudden damage, for both electric and internal combustion cars. An authorized workshop must investigate the problem to determine if it's covered by the insurance. Valid until the car is 8 years old or has a mileage of 120 000 km.
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Get help with legal fees for certain disputes that have to do with your car and your car ownership. Legal protection does not apply to disputes or claims that have to do with renting, drunk driving, speeding, illegal driving or cases with a more severe penalty than a fine.
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Covers you and/or your passengers in the event of mental illness as the direct result of a traffic accident or car theft.
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Covers damage to your car in the event of a traffic accident, or external events such as vandalization or if a tree falls on the car. The coverage is included in Full Insurance, which is mainly suited for cars older than 3 years that do not have vehicle damage guarantee (vagnskadegaranti).
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| Full | Half | Traffic | |
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Traffic insurance is legally required in order to drive in Sweden. It protects the driver, any passengers, and people outside the car in the event of an accident. The insurance applies regardless of who causes the accident.
| |||
Traffic insurance is legally required in order to drive in Sweden. It covers damage caused by you as a driver to someone else’s property.
| |||
Covers damage to your car if it catches fire. If your car is completely destroyed in a fire, we can provide you with a new car of equal value. Events that could have been prevented or avoided through proper maintenance are not covered.
| |||
Covers stone chips, as well as replacement of a cracked or shattered windscreen, side window or rear window. Full coverage also covers damaged car lights, glass roofs and similar glass surfaces in the event of a traffic accident.
| |||
Provides access to emergency roadside assistance. You are compensated for costs related to assistance in the event of a traffic accident or breakdown. Jump-start assistance, transportation to your home and additional costs for hotel stays are also included.
| |||
Covers theft from your car and damage to the car resulting from a break-in. You can also get compensation for a new car if it's stolen. Theft of a mobile phone or other equipment that is not permanently installed is not covered. Removed car parts and wheels must be stored in a locked space.
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Protection for the engine, battery and car functions against sudden damage, for both electric and internal combustion cars. An authorized workshop must investigate the problem to determine if it's covered by the insurance. Valid until the car is 8 years old or has a mileage of 120 000 km.
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Get help with legal fees for certain disputes that have to do with your car and your car ownership. Legal protection does not apply to disputes or claims that have to do with renting, drunk driving, speeding, illegal driving or cases with a more severe penalty than a fine.
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Covers you and/or your passengers in the event of mental illness as the direct result of a traffic accident or car theft.
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Covers damage to your car in the event of a traffic accident, or external events such as vandalization or if a tree falls on the car. The coverage is included in Full Insurance, which is mainly suited for cars older than 3 years that do not have vehicle damage guarantee (vagnskadegaranti).
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Is your car already insured?
We can fetch details about your current insurance and match your price. Most people who compare their car insurance get a lower price at Hedvig.
Always without a binding period
Cancel your car insurance whenever you want and only pay until the cancellation date. If you decommission your car, you can keep our off road insurance.
Frequently asked questions
What else you might want to know about the 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 half 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 kr
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 easy. Here’s how:
Take a price quote and choose to fetch your current insurance
We automatically retrieve details about your car insurance
Sign your new insurance at Hedvig and cancel your old one before the end date
Please note: You’ll need to contact your current insurance provider and cancel your old car insurance yourself. If we are unable to retrieve your end date, you need to look it up and match it with the start date of your new insurance.
Most other insurance companies have a lock-in period of one year. 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. Check when you can terminate your current car insurance, and match your end date with the start date of your new insurance.
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. We take care of the contact with the workshop, and you get more time for other things. We offer easy claims reporting in the Hedvig app, and smooth payouts for common problems.
Yes, you get a 15 percent bundle discount if you have both home insurance and car insurance with Hedvig. This also applies in combination with pet insurance or if you insure two cars.
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.
When you decommission your insured car at Transportstyrelsen, your car insurance will be converted into a Decommission Insurance, also called Off Road Insurance. This happens automatically and means that the car continues to be insured against certain damages that may occur to the car when it's not in use. If you don't want the Decommission Insurance, you can cancel it in the Hedvig app.
NOTE: Only applies to full and half insurance that were signed or renewed after January 14, 2026.
Documents
Our terms and conditions are currently only available in Swedish. Contact us if you have any questions.
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