Charge for uninsured vehicles
The charge, called a motor third party liability (MTPL) insurance charge, is a sanction that must be high enough that no-one can gain by not insuring their vehicle.
We have a legal right, under the Motor Traffic Damage Act, Section 34, to levy a MTPL insurance charge from persons who own vehicles that are uninsured. We receive information on which vehicles lack MTPL insurance from the Swedish Transport Agency.
What does it cost?
Here you can see how much it costs per day to keep a vehicle uninsured.
All amounts are in Swedish kronor (SEK).
| Type of vehicle and method of use | Charge per day |
| Passenger car, commercial carriage of passengers (taxi) | 224 |
| Passenger car, commercial carriage of goods (delivery vehicle) | 56 |
| Passenger car, commercial hire | 78 |
| Passenger car, camper, non-commercial traffic | 22 |
| Passenger car, other (private passenger car) | 202 |
| Lorry, non-commercial traffic, camper | 45 |
| Lorry, maximum total weight 3,500 kilograms, commercial carriage of goods | 101 |
| Lorry, maximum total weight 3,500 kilograms, commercial hire | 78 |
| Lorry, maximum total weight 3,500 kilograms, non-commercial traffic | 202 |
| Lorry, total weight more than 3,500 kilograms, fire fighting vehicle | 28 |
| Lorry, total weight more than 3,500 kilograms, other | 207 |
| Lorry, commercial carriage of passengers | 134 |
| Bus | 196 |
| Motorcycle, maximum cubic capacity 125 cubic centimetres and maximum power output 11 kilowatts |
34 |
| Motorcycle, cubic capacity more than 125 cubic centimetres or power output more than 11 kilowatts |
224 |
| Moped, subject to registration | 45 |
| Tractor | 60 |
| Motorised equipment | 34 |
| Off-road vehicles | 56 |
For veteran vehicles (30 years and older) the full charge applies for these types of vehicle: moped subject to registration, tractor, motorised equipment or off-road vehicle. For veteran vehicles of other types the charge is 50 per cent lower than is specified in the list.
The smallest charge you can be obliged to pay is SEK 200. This is the minimum charge we are entitled to levy when we send the first payment demand for an uninsured vehicle.
The charge was last updated in April 2025.
This is how the MTPL insurance charge is calculated
The MTPL insurance charge is determined in accordance with Section 34 of the Motor Traffic Damage Act. The charge may not be more than 10 per cent higher than the highest MTPL insurance premium (including premium tax) on the Swedish market.
The MTPL insurance charge for a vehicle is based on the insurance companies’ annual premiums for vehicles of the same type and with the same manner of use. When we calculate the charge we distinguish between the type of vehicle (such as passenger car, MC or bus) and the manner of use (such as passenger car, taxi or hire car). However, we do not take into account the make, model year, place of residence, bonus, mileage class etc.
Vehicles are broken down into 19 charge groups.
We evaluate the MTPL insurance charge at least twice per year. It is also adjusted as needed if the insurance companies change the price of their MTPL insurance. The process for determining the charge is reviewed every year by our external auditors.
Reduced charge for being uninsured for a long period
To avoid excessive indebtedness we reduce the MTPL insurance charge in stages for a person whose vehicle has been uninsured for a long period. The levels are regularly reviewed. The following applies from 1 April 2025:
- 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 MTPL insurance charge must refer to one and the same vehicle for a consecutive period. The lowest reduced charge is SEK 7 per day.
The Motor Traffic Damage Act
The regulations on MTPL insurance and the MTPL insurance charge are set out in the Motor Traffic Damage Act. The Act is available to read on the Sveriges Riksdag (Swedish Parliament) website (in Swedish).