Helförsäkringen

Helförsäkringen, often translated as comprehensive insurance or full coverage insurance, is a type of vehicle insurance. It typically covers damage to your own vehicle, regardless of fault. This contrasts with trafikförsäkringen (traffic insurance), which is mandatory in many countries and only covers damages to others.

In most insurance systems, helförsäkringen is an optional add-on to the legally required trafikförsäkringen. The exact scope of what helförsäkringen covers can vary between insurance providers and specific policy terms. Generally, it includes protection against various types of damage, such as collisions, theft, vandalism, fire, and natural disasters. It may also cover damage caused by hitting an animal.

The cost of helförsäkringen is usually higher than that of trafikförsäkringen due to the broader coverage it provides. Factors influencing the premium include the vehicle's age and value, the driver's age and claims history, and the chosen deductible (självrisk). A higher deductible typically results in a lower premium.

When a claim is made under helförsäkringen, the policyholder usually has to pay a deductible. The insurance company then covers the remaining repair costs or the value of the vehicle if it's a total loss, up to the policy limits. It is advisable to carefully review the policy documents to understand the specific terms, conditions, and exclusions of a helförsäkringen policy before purchasing it.