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 easy. Here’s how:

1. Take a price quote and choose “Fetch my insurance”

2. We automatically retrieve details about your current car insurance

3. 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.

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.