Our Insurance Packages
Choose the perfect coverage level for your vehicle and driving needs. All packages include 24/7 customer support and access to our network of partner repair shops throughout Sweden.
Basic Coverage
Our Basic Coverage package provides essential protection for your vehicle at an affordable price. This package is ideal for older vehicles or drivers looking for minimal required coverage.
What's Included
- Third-party liability: Covers damage or injuries you cause to others while driving (legally required in Sweden)
- Fire protection: Coverage if your vehicle is damaged by fire
- Theft protection: Coverage if your vehicle is stolen or damaged during a theft attempt
- Basic roadside assistance: Help if you break down or get stranded
- Legal assistance: Help with legal costs related to traffic incidents
From 2,500 SEK/year
Get a QuoteFrequently Asked Questions
Is Basic Coverage enough for my needs?
Basic Coverage meets the legal requirements in Sweden and provides essential protection. It's suitable for older vehicles where comprehensive coverage might not be cost-effective, or as a budget option for drivers with limited resources. However, it doesn't cover damage to your own vehicle in an accident you cause.
Can I add optional coverages to the Basic package?
Yes, we offer several add-ons that can be included with your Basic Coverage, such as glass damage protection, animal collision coverage, and enhanced roadside assistance. Contact us to customize your policy.
Standard Coverage
Our most popular option, Standard Coverage provides comprehensive protection with additional benefits. This balanced package suits most drivers with newer or mid-range vehicles.
What's Included
- All Basic Coverage features
- Collision coverage: Repairs to your vehicle regardless of fault
- Glass damage protection: Coverage for windshield and window repairs
- Personal accident insurance: Compensation for injuries to you and your passengers
- Enhanced roadside assistance: Expanded help including towing to your preferred garage
- Rental car coverage: Transportation while your vehicle is being repaired
From 4,200 SEK/year
Get a QuoteFrequently Asked Questions
What deductibles apply to the Standard Coverage?
Standard Coverage typically comes with a deductible of 1,500 SEK for collision claims, 1,000 SEK for theft, and 500 SEK for glass damage. However, these can be adjusted to modify your premium. Lower deductibles will increase your premium, while higher deductibles will decrease it.
Does Standard Coverage include protection when driving abroad?
Yes, Standard Coverage provides protection throughout the EU/EEA countries and Switzerland for up to 45 days per trip. For longer trips or travel outside these areas, additional coverage options are available.
Premium Coverage
Our Premium Coverage provides complete peace of mind with our all-inclusive package. This comprehensive solution is ideal for new vehicles and those seeking maximum protection.
What's Included
- All Standard Coverage features
- Zero deductible: No out-of-pocket costs for most claims
- New car replacement: Full replacement if your new vehicle is totaled within 2 years
- Courtesy vehicle: Premium rental car while yours is being repaired
- Increased personal property coverage: Higher limits for items stolen from your vehicle
- Key loss protection: Covers replacement of lost or stolen keys
- Gap insurance: Covers the difference between your car's value and what you owe
- 24/7 VIP assistance: Priority handling for all services
From 6,800 SEK/year
Get a QuoteFrequently Asked Questions
Is Premium Coverage worth the higher cost?
Premium Coverage provides the most comprehensive protection available and is especially valuable for newer vehicles, luxury cars, or those with car loans/leases. The zero deductible feature alone can save you thousands of SEK in the event of a claim. Additionally, the new car replacement and gap insurance features provide financial security that other packages don't offer.
Does Premium Coverage offer any loyalty benefits?
Yes, Premium Coverage members receive a 5% annual loyalty discount that increases each year up to a maximum of 15%. You'll also have access to exclusive offers from our partner businesses, including discounts on accommodations, car services, and more.
Coverage Comparison
Compare our packages side by side to find the perfect coverage for your needs.
| Coverage Features | Basic | Standard | Premium |
|---|---|---|---|
| Third-party liability | |||
| Fire protection | |||
| Theft protection | |||
| Roadside assistance | Basic | Enhanced | VIP 24/7 |
| Legal assistance | |||
| Collision coverage | |||
| Glass damage protection | |||
| Personal accident insurance | |||
| Rental car coverage | Standard | Premium | |
| Zero deductible | |||
| New car replacement | |||
| Personal property coverage | Up to 5,000 SEK | Up to 10,000 SEK | Up to 25,000 SEK |
| Key loss protection | |||
| Gap insurance | |||
| International coverage | Basic EU/EEA | Extended EU/EEA | Worldwide |
| Annual price from | 2,500 SEK | 4,200 SEK | 6,800 SEK |
Get a Personalized Quote
Our rates are based on various factors including your vehicle, driving history, and location. Contact us for a personalized quote tailored to your specific situation.
Contact UsSpecial Offers
Multi-Vehicle Discount
Save up to 15% when you insure multiple vehicles with us.
Bundle Discount
Save up to 20% when you combine home and auto insurance.
Green Vehicle Discount
Drivers of electric or hybrid vehicles receive a 10% discount.
Student Discount
Full-time students with good grades can save up to 15%.
What Our Customers Say
"I've been with SwedishAutoGuard for over 5 years. Their Premium Coverage has been exceptional, especially when I needed to file a claim after an accident last winter. The zero deductible saved me thousands of kronor!"
Magnus Johansson
Uppsala
"The Standard Coverage is perfect for my needs. When my windshield cracked from a rock on the E4, they had it replaced the next day with no hassle. The glass protection alone has paid for itself!"
Anna Lindgren
Gothenburg
"As a student on a budget, the Basic Coverage gives me peace of mind at a price I can afford. When my car was broken into last year, the claims process was simple and they covered everything as promised."
Emil Bergström
Lund