I don't use my vehicle. Do I still need motor insurance?
Even if the vehicle is not being used, it must have motor insurance. The obligation to have motor insurance only ceases to apply if the vehicle is temporarily or permanently deregistered.
My vehicle is in such poor condition that it cannot be used. Do I still need insurance?
Yes, the owner must have motor insurance even if the vehicle in question requires repairs and cannot be used.
My vehicle cannot legally be driven, do I need motor insurance?
Yes, if you have not temporarily deregistered your vehicle you, the owner, must have motor insurance even if the vehicle in question cannot legally be driven.
What if my vehicle is stolen?
You, the owner, must have motor insurance even if the vehicle in question is stolen. If you do not wish to insure your stolen vehicle it must be temporarily deregistered in the Road Traffic Register.
The easiest way to temporarily deregister a vehicle is to apply directly through the Swedish Transport Agency's website, call their service line on 0771 25 25 25 (in Swedish only) or send in the registration certificate.
What happens if a person other than the owner has motor insurance for a vehicle?
A vehicle must be insured by the owner. As owner of the vehicle, you must have motor insurance even if someone else, e.g. a family member, also holds insurance for your vehicle.
There are two cases in which a person other than the owner must hold insurance for the vehicle:
- You have bought the vehicle on hire-purchase
- You are leasing the vehicle for at least one year
Could the previous owner's insurance still apply?
No, the previous owner's motor insurance always expires from the date on which ownership of the vehicle is transferred.
What happens if the transfer of ownership has not yet been registered with the Swedish Transport Agency?
As owner of the vehicle, you must insure your vehicle at the latest from the date on which ownership is transferred, i.e. from the date given on the notification of change of ownership. As long as the notification of change of ownership is received by the Swedish Transport Agency within ten days you will be registered as the owner with retroactive effect from that date.
What happens if an application for temporary/permanent deregistration is not received by the Swedish Transport Agency?
The Road Traffic Register temporarily/permanently deregisters a vehicle from the date on which a complete application is received. Applications are sent at the applicant's own risk. As owner of the vehicle, you are responsible for ensuring that the application is complete and correct. As owner you must also check that the vehicle really has been temporarily/permanently deregistered before you suspend your motor insurance.
What happens if the owner has temporary deregistration insurance/garage insurance?
Temporary deregistration insurance only applies if the vehicle is temporarily deregistered in the Road Traffic Register. Motor insurance is not included in this type of insurance, and you must therefore retain your motor insurance until the temporary deregistration is registered with the Swedish Transport Agency.
What happens if I have made a late premium payment to an insurance company?
If the premium is paid to the insurance company when the insurance policy has already expired, the payment is taken as a request for a new policy. The new insurance policy applies at the latest from the day after the payment is received by the insurance company. In other words, a premium payment made after the insurance policy has already expired has no retroactive effect.
Does the obligation to hold motor insurance still apply if the vehicle has been taken outside the country?
As long as a vehicle is registered in Sweden it is subject to the obligation to hold insurance here, even if the vehicle itself is outside the country's borders.
To permanently deregister the vehicle, use the application section of the registration certificate. The owner should sign the document and send it to the Swedish Transport Agency.
Permanent deregistration can take place in the following cases:
- If the vehicle has been scrapped (a certificate of destruction is required)
- If the vehicle has been modified such that it is no longer legally required to be registered.
- If the vehicle has been permanently removed from the country. In this case, evidence of registration or customs clearance in another country must be submitted.
Evidence of customs clearance is not required in EU countries.
Certificates of destruction are issued by authorised car breakers and municipalities offering reception facilities for cars to be scrapped. Responsibility for ensuring that the certificate of destruction is submitted to the Swedish Transport Agency lies with the owner of the vehicle.
At the same time as the application for permanent deregistration of the vehicle is submitted, the vehicle's registration plate(s) must be sent to the Road Traffic Register. This is not necessary if the certificate of destruction states that the plates have been scrapped. If a plate has been destroyed or lost, this must be notified in writing to the Road Traffic Register.
Do I have to pay motor insurance charges if the vehicle has been outside Sweden?
If the vehicle has been registered and insured in another country during the period in which motor insurance charges have been debited, it is possible to have the charges reduced. You must send translated documentation to the TFF as soon as possible. Documents should show that the vehicle has been registered and insured in another country. The vehicle must also be noted as permanently deregistered in the Swedish Road Traffic Register.
What happens if the owner did not know the applicable legal provisions?
As owner of a vehicle, you must find out what laws and obligations apply to ownership of a vehicle; there are therefore no circumstances in which you can claim ignorance of the applicable legal provisions.
What happens if the owner is a minor?
If the owner is a minor and missing driving licence the vehicle should be insured by the legal guardian.
What happens if the vehicle has been taken to a car dealership for sale?
As long ownership has not been transferred, the owner must continue to hold motor insurance for the vehicle.
What happens if the vehicle has been seized?
A vehicle that has been seized by the police or the Swedish Enforcement Authority must be insured, as long as it has not been temporarily deregistered with the Swedish Transport Agency.
If the vehicle has been impounded by the police or Swedish Enforcement Authority for the entire period, and the owner has had no possibility to retrieve it, it is possible to have the charge reduced. In this case, the owner must send certification to TFF from the police/Swedish Enforcement Authority stating that the vehicle has not been available for retrieval.
What is the motor insurance charge used for?
Swedish Motor Insurers levy a charge from owners who do not have motor third party liability insurance for their vehicles. The charge is levied for each day the vehicle is not insured.
The motor insurance charge contributes to the compensation of people who have been injured or had property destroyed by an uninsured vehicle.
How is the motor insurance charges calculated?
The motor insurance charge is based on the insurance companies’ annual premiums for motor third party liability insurance. The charge should be perceived as a sanction and be high enough to prevent anyone gaining from being uninsured. However, it may not be more than 10 per cent higher than the highest motor third party liability insurance premium in the market (including premium tax).
The charge for a vehicle is based on the annual premiums for vehicles of the same type and with the same manner of use. A difference is made between the type of vehicle (such as private car, mc, bus) and the manner of use (private car, taxi, hire car). The make, model year, place of residence, bonus, mileage class etc. are not taken into account. The Swedish Motor Insurers' charge table breaks vehicles down into 19 charge groups.
Swedish Motor Insurers’ charge table is evaluated at least twice per year and revised after changes in insurance companies’ premiums. The process for determining the motor insurance charge is examined every year by Swedish Motor Insurers’ external auditors.
The size of the charge is changed for anyone reaching an uninsured period of 180 days after 1 November 2014. From day 181 the charge is reduced to 25 per cent of the ordinary charge. This is to avoid too high a degree of indebtedness. The charge is to refer to one and the same vehicle for a consecutive period. The lowest is charge at the reduced rate is SEK 7 per day.