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Frequently asked questions about payment demands

Here you can find frequently asked questions we receive about payment demands. More questions and answers can be found via the link further down the page.

There are several reasons for our sending payment demands, but the most common reason is that a vehicle lacks, or has lacked, motor third party liability (MTPL) insurance.

What does the payment demand refer to?

If we receive new data that affects the amount you are to pay we send a new payment demand to you. If you are unsure about which payment demand applies you can log in to My pages. There you can see which payment demand/s are relevant and the amount you should pay. You can also call us.

If your vehicle is uninsured you will receive new payment demands unless you act, since the amount increases each day. When you have insured or notified the vehicle as off road you will receive a payment demand for the amount remaining to be paid.

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There are various reasons for this.

  • The policy is in the wrong person’s name, for example a family member. Contact the insurance company to ensure that the insurance policy is for the right person.
  • The policy is for the wrong registration number. Check the letter from the insurance company where it states the registration number the policy is for. If it is incorrect – contact the insurance company immediately.
  • The vehicle is insured now but has not been insured for a period and it is that period the payment demand refers to.
  • The payment demand does not apply to an uninsured vehicle but an unpaid motor third party liability (MTPL) insurance premium, i.e. the cost of your vehicle insurance. We are tasked with collecting unpaid insurance premiums for MTPL insurance premiums on behalf of insurance companies.

More information on different types of payment demands 

Yes. It is your responsibility to pay for the insurance policy you have taken out.

The insurance companies always send reminders for their invoices. Even if for some reason you do not receive the reminder, you are nevertheless responsible for ensuring that it is paid. This also applies to those who pay for their insurance by direct debit.

You can make payment to us in several ways. Choose the method that suits you best.

This is how you make payments to us 

If you paid in another way than directly in Kivra you need to mark the invoice in Kivra as handled. It is still saved in your Kivra archive, like your other digital invoices.

From the first day you take ownership of the vehicle. This applies even if you do not drive or use the vehicle from the first day.

You should not wait for the vehicle registration certificate from the Swedish Transport Agency. The insurance cover must start on the day you buy or otherwise take ownership of the vehicle.

Only if the vehicle is notified as off road or deregistered from the Swedish Transport Agency’s Road Traffic Register is motor third party liability (MTPL) insurance not needed.

This means that the vehicle must have MTPL insurance even under the following circumstances:

  • The vehicle is not used.
  • The vehicle is in such bad condition that it cannot be driven.
  • The vehicle has been taken to a workshop for repair.
  • The vehicle is prohibited from being driven.
  • The vehicle is stolen.
  • The vehicle has been taken to a car dealer to be sold. You are responsible for ensuring that it is insured until you are no longer registered as the owner.
  • The vehicle has been confiscated by an authority and you are able to collect the vehicle.
  • The vehicle has been taken to a vehicle dismantler but has not been de-registered.

Yes. Only if the vehicle is notified as off road or de-registered from the Swedish Transport Agency’s Road Traffic Register is motor third party liability (MTPL) insurance not needed.

This means that the vehicle must have MTPL insurance even under the following circumstances:

  • The vehicle is in such bad condition that it cannot be driven.
  • The vehicle has been taken to a workshop for repair.
  • The vehicle is prohibited from being driven.
  • The vehicle is stolen.
  • The vehicle has been taken to a car dealer to be sold. You are responsible for ensuring that it is insured until you are no longer registered as the owner.
  • The vehicle has been confiscated by an authority and you are able to collect the vehicle.
  • The vehicle has been taken to a vehicle dismantler but has not been deregistered.

When you tick the box on the vehicle registration certificate to notify it as off road in connection with a change of ownership the following information is given: The off road notification applies from the day on which a complete application is received by the Swedish Transport Agency, not from the stated date of ownership change.

That means that the vehicle must have motor third party liability (MTPL) insurance cover from the date you take ownership of the vehicle until the date on which the Swedish Transport Agency registers the off road notification.   

No. You must take out insurance that is valid from the date on which you become the owner. That is the day on which you and the seller specify as the Date of change of ownership on the vehicle registration certificate.

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