Payment demand

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.

As a general rule, all motor vehicles used in traffic must have motor third party liability (MTPL) insurance. The vehicles must have MTPL insurance regardless of whether they are registered in the Swedish Road Traffic Registry or not and regardless of whether they are Swedish or foreign.

A person who does not insure their vehicle is breaking the law. If your vehicle is not insured with an insurance company, you as owner must pay a charge to Swedish Motor Insurers (TFF) for each day your vehicle is uninsured.

Under Section 2 of the Motor Traffic Damage Act, owners of motor driven vehicles must have motor third party liability (MTPL) insurance. If your vehicle causes an accident, the MTPL insurance provides compensation if the driver, passenger or other people are injured. The insurance also covers third party property claims.

We send payment demands for various reasons. The most common reason is that a vehicle is or has been uninsured. We also send other types of payment demands such as unpaid excess and cost of claim.

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

If you are unable to pay all you owe at once you can apply for a payment plan. This means you will pay off your debt to us with a fixed amount every month.

If you do not pay our payment demand, we will send a reminder. If you do not pay after the reminder we may send a debt collection demand to you. To avoid this happening, get in touch with us if you are late with a payment, cannot pay all at once or if you consider the payment demand is incorrect.

If you wish to engage a representative to handle your cases with us you need to give the representative a power of attorney to represent you.

Here you will find questions and answers regarding the motor third party liability (MTPL) insurance charge in 16 different languages.