The most common questions to us

No, the previous owner’s motor third party liability insurance always expires on the day on which ownership changes.

The vehicle must be insured by the owner. In cases of purchases on credit or leasing, the vehicle must be insured by the holder instead. If the owner is under age and does not have a driving license for the vehicle, the vehicle must be insured by the custodian.

If you are not going to use your vehicle for a period of time you can notify it as temporarely out of traffic to the road traffic registry kept by the Swedish Transport Agency. This means that you do not need to have motor third party liability insurance for that period.

Before you activate your vehicle for use again in the road traffic registry kept by the Swedish Transport Agency, you must obtain motor third party liability insurance through an insurance company.

As owner, you must insure your vehicle at the latest on the same day as the change of ownership takes place. That is from the date stated on the change of owner notification.

Provided a change of owner notification has been received by the Swedish Transport Agency within ten days, you will be registered as owner retroactively from this date.

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 passenger car, mc, bus) and the manner of use (passenger 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 as needed, after any 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 30 days after 1 September 2019. From day 31 the charge is reduced to 75 per cent of the ordinary charge. From day 91 the charge is reduced to 50 per cent of the ordinary charge.  From day 181 the charge is reduced to 25 per cent of the ordinary charge.

The reduction in charge 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 charge at the reduced rate is SEK 7 per day.

The motor insurance charge contributes to the compensation of people who have been injured or had property destroyed by an uninsured vehicle.