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Other areas of operation

Apart from our main tasks Swedish Motor Insurers (TFF) also plays a role in the following areas.

Industry cooperation

We deal with matters concerning motor driven vehicles that are common to insurance companies in Sweden. The work is carried out through the Motor Insurance Committee in areas that do not compromise competition and where cooperation benefits both the insurance companies and their customers.

In the area of personal injury we manage the Personal Injury Committee together with the industry organisation Insurance Sweden. This work aims to provide the conditions for consistent assessments of high quality in the area of personal injury.

Referrals

We often act as a referral body on matters concerning motor insurance. Our role as a referral body is to be objective and independent. We are to present the industry position on current issues as well as reporting on current legislation. 

Compensation body 

In all EEA countries there is a Compensation Body. In Sweden TFF is the Compensation Body. If a resident of Sweden is injured in traffic outside Sweden, but within the Green Card system, in our capacity as Compensation Body in certain cases we can step in and settle the claim. We do this if the vehicle that caused the claim is from an EEA country other than Sweden and one of the following circumstances apply:

  • The vehicle is uninsured or unidentified.
  • The vehicle is insured but the foreign insurance company has no claims representative in Sweden. 
  • The foreign insurance company or its Swedish claims representative is clearly protracting settlement of the claim. 

Insolvency organisation

There is an insolvency guarantee scheme in the EU to ensure that victims of road traffic accidents are compensated even if the insurance company becomes insolvent. Insolvency means compulsory liquidation, bankruptcy or similar. 

Swedish Motor Insurers (TFF) has the role of Swedish insolvency organisation. This means that we represent our members and ensure that anyone resident in Sweden receives compensation if a motor insurance company in the EEA becomes insolvent, if this occurred after 22 December 2023.

The compensation that may need to be paid is financed by the joint and several liability of the Swedish member companies of TFF (the companies licensed by the Swedish financial supervisory authority, Finansinspektionen).