Swedish Motor Insurers
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Which vehicles must have third party cover?

The motor vehicles that are registered in the road traffic registry at the Swedish Transport Agency and that have not been notified as off road, must have motor third party liability insurance. Even other types of motor vehicle, which are not subject to registration but used in traffic, must have motor third party liability insurance. We give examples below. 

The provisions concerning which motor vehicles are obliged to have motor third party liability insurance can be found in Section 2 of the Motor Traffic Damage Act (SFS 1975:1410).

It is you as owner of the vehicle that must take out motor third party liability insurance with an insurance company. For purchases on credit or leasing, the vehicle must be insured by the holder instead. If the owner is under age the vehicle must be insured by the custodian.

The insurance must apply from the first day you own the vehicle. If your vehicle does not have motor third party liability cover, you as owner must pay a motor insurance charge to us for every uninsured day. The charge is much higher than a normal insurance premium.

This is how much it costs to have the vehicle uninsured.

Here are examples of motor vehicles that by law must have motor third party liability insurance, unless they are notified as off road in the road traffic registry kept by the Swedish Transport Agency:

  • Passenger car

  • Lorry

  • Bus

  • Motorcycle

  • Moped

  • Electric bicycle

  • Tractor

  • A-traktor

  • ”Quad bike”/ATV

  • Snow scooter

  • Garden tractor or riding lawn mower with towing hook or eye

  • Truck

There are exceptions that do not need to have motor third party liability insurance. These are motor vehicles that are only driven within a completely enclosed training or competition area. This means for example that an uninsured cross motorcycle must be transported to and from training/competitions, it may not be driven on the road.

Contact us if you are unsure whether your vehicle is obliged to have motor third party liability insurance or not.