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Bring your overview together and make sense of policy terms. A clear start, step by step.
FORSIO GUIDES
Insurance,
explained.
Clear answers to important questions. Understand the cover you already have and what to look for in your policy terms.
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From your first overview to the questions that come up when something happens.
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Six ways to a clearer picture20 guides
Home & your belongings
Home insurance, apartment supplements and the things you own. Understand how the cover fits together.
19 guides
On the road & abroad
Cars, boats and travel. Read what your cover includes at home and away.
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74 guides
- Home insurance4 min
Do I have duplicate home insurance? Here’s how to check.
Two policy letters do not necessarily mean double cover. Compare dates, addresses, people and policy contents to see whether your home policies overlap.
Read the guide - Tenant-owned apartments4 min
What is bostadsrättstillägg? How to check whether it is included.
Cover for a tenant-owned apartment may be included in your home policy or arranged through the housing association. Here is how to check cover for surfaces and fixtures.
Read the guide - Your overview3 min
Which insurance policies do I have? Start in three places.
Your own policies, your workplace and your union may provide different parts of your cover. Here is how to find the documents and bring them into one overview.
Read the guide - Costs & renewals4 min
Has your insurance become more expensive at renewal?
Compare the annual price, cover and renewal date. See what has actually changed in your insurance statement.
Read the guide - Understand the terms3 min
Excess and deductions for age: what is the difference?
An insured amount is not the same as a payout. Understand the deductions and find the relevant details in your agreement.
Read the guide - When something happens3 min
Something has happened. Which policies might be relevant?
Describe the event, find the relevant terms and gather your documents. How Claim check helps before you contact the insurer.
Read the guide - Belongings3 min
Do your valuables fit within your policy’s limits?
Bicycles, cameras and jewellery may have specific limits. Distinguish an item’s value from the policy’s maximum amount and actual compensation.
Read the guide - Work & union4 min
What insurance do I have through work and my union?
TGL, AGS, TFA and membership insurance may sit outside your private policy documents. Here is how to find out what applies to you.
Read the guide - Work & union4 min
Income insurance and a-kassa: what should you check?
Income insurance and membership of an a-kassa are different things. Check membership, qualifying periods and the conditions for payment.
Read the guide - Personal cover4 min
Can more than one accident policy pay?
Fixed amounts can be paid from several policies. The same cost is not reimbursed more than once. Here is how to tell the difference in your terms.
Read the guide - Personal cover4 min
Life insurance and survivor protection: what is already there?
Start with who depends on you financially. Then check life cover through work, private policies and pensions before drawing conclusions.
Read the guide - Personal cover4 min
Child insurance and school insurance: what is the difference?
School accident insurance and a child policy may cover different things. Check illness, free time, amounts and exclusions in the child's agreements.
Read the guide - Personal cover4 min
Sickness insurance or private healthcare insurance: what is the difference?
One concerns income when you cannot work; the other concerns care. Here is how to tell the policies apart without relying on the name alone.
Read the guide - Home and housing3 min
What does home insurance include? Five parts to recognise.
Belongings, liability, legal expenses, assault and travel. Find the cover and limits in your home policy without relying on its product name.
Read the guide - Home and housing3 min
House or holiday home: are both the building and your belongings insured?
The building, grounds and your belongings may sit in different parts of the insurance. Check what the policy document covers and how it describes the property's use.
Read the guide - Vehicles and travel3 min
Third-party, partial or comprehensive cover: what is the difference?
Start with the third-party insurance required for a car registered for use. Then distinguish that legal requirement from cover for your own vehicle, guarantees and optional additions.
Read the guide - Vehicles and travel3 min
Boat insurance: what does the policy say about your boat, engine and liability?
Check the current period, sum insured, liability and winter storage. An older document and a renewal do not automatically mean two boat policies.
Read the guide - Pets3 min
Pet insurance in Sweden: what do the cover limit and excess mean?
Veterinary cover limits, fixed and percentage excesses, waiting periods and exclusions. Four checks to help you understand your dog's or cat's policy.
Read the guide - Vehicles and travel3 min
Travel cover in home insurance: how far does it go?
Check trip length, people and events in your terms. Distinguish home insurance travel cover from card insurance and separate travel policies.
Read the guide - Home and housing3 min
Mortgage and loan protection: what is in your agreement?
Loan protection can mean payment cover after a loss of income or a payout on death. Start with the loan documents and distinguish an offer from an active agreement.
Read the guide - Home & your belongings4 min
Moving home: check your insurance address, dates and cover.
What happens to home insurance when you move? Check both addresses, the move itself and any storage before assuming everything carries over.
Read the guide - You & your family4 min
Moving in together or separating: what happens to your insurance?
Check who your home insurance covers, which addresses are included and what needs updating when you move in together or separate.
Read the guide - Home and housing4 min
Home insurance for renting, subletting or student accommodation: what applies?
Whose insurance applies when you rent a room, move into student accommodation or sublet? Check the address, insured people and cover in your documents.
Read the guide - You and family4 min
Pregnancy insurance and insurance for newborns: how do they differ?
Free or paid pregnancy insurance, start dates and child insurance. Read the cover your documents describe and what needs a separate confirmation.
Read the guide - Work & union5 min
Changing jobs, leaving your union or starting a business?
Check what ends, what may continue and which documents you need when your employment or union membership changes.
Read the guide - Travel insurance5 min
Travel insurance through your bank card: when does it apply?
Who paid, how was the trip paid for, and who is travelling? Check the card's terms alongside your home insurance travel cover.
Read the guide - Home and housing5 min
Water damage in a tenant-owned apartment: who does what?
The housing association, your tenant-owner supplement and home insurance can have different roles after water damage. Separate repairs, liability and insurance payments.
Read the guide - Home and housing5 min
Liability and legal expenses cover: what is the difference?
Facing a claim for damages or a dispute? Distinguish home insurance liability cover from legal expenses cover and find the terms you need to check.
Read the guide - Home insurance5 min
Bicycle or e-bike stolen: what does your insurance show?
Check vehicle type, theft location, lock requirements, limits and excess. The total amount in your home policy may not be the bicycle limit.
Read the guide - Travel insurance5 min
Longer trips, study or work abroad: check your travel cover.
The length and purpose of your trip can change which cover applies. Check dates, activities, existing policies and terms before departure.
Read the guide - When something happens5 min
Your insurer says no. What can you do?
Ask for the reasons, check the clause and gather relevant evidence. How to request reconsideration and find the appropriate external review route.
Read the guide - When something happens5 min
No receipt: how do you show what you owned?
Receipts help, but they are not the only evidence. Gather information about ownership, value and what happened before submitting your insurance claim.
Read the guide - Claims & renewals4 min
Renewal reminders: keep track of dates and emails.
How the email before a policy period ends works, where to change the preference and what to check if a reminder is missing.
Read the guide - Work & union5 min
Retiring: what happens to your insurance?
Check what changes through work, which age limits apply and where to find your survivor cover. Start with the agreements you already have.
Read the guide - You & family5 min
How do you find insurance after a death?
Start with authority, policy letters and the right contacts. How to look for private insurance, cover through work and pension survivor cover.
Read the guide - Travel insurance5 min
Moving to or from Sweden: which insurance applies?
Separate population registration, social insurance and private policies. Check countries, people and dates when moving to or from Sweden.
Read the guide - Personal insurance5 min
Sport and club membership: what is insured when you train?
Check the club's statement, membership or licence, activities and equipment. Personal injury and damaged belongings are separate insurance questions.
Read the guide - Home and belongings5 min
Warranty, purchase protection and all-risk: what is the difference?
Separate your statutory rights from warranties and insurance. Read what card purchase protection, all-risk and identity protection include before comparing them.
Read the guide - Get started and understand4 min
The words in your policy letter, explained simply
Premium, excess and sum insured mean different things. A short glossary to help you read your policy letter and ask a clearer question.
Read the guide - Get started & understand4 min
Sharing an insurance overview: what does it mean?
A limited overview, two separate choices. Distinguish sharing in Forsio from permission to manage someone else's insurance.
Read the guide - Get started & understand4 min
BankID, privacy and permissions: your choices in My Forsio.
Distinguish signing in from collection, sharing and support access. Find your choices and the current product terms.
Read the guide - Home & your belongings5 min
New to Sweden: how does home insurance work?
Home insurance bundles several types of cover in one contract. See how your housing affects what needs insuring, who the policy letter covers and what to read first.
Read the guide - Home & your belongings5 min
Living together: does one home insurance policy cover you both?
One home policy can cover you both when you share a home, but the letter needs to show it. Check the people, the belongings and what applies between the two of you.
Read the guide - Home & your belongings5 min
Moving company and insurance: who pays if something breaks?
The moving company's liability, its insurance and your home insurance are separate questions. Read the agreement, document damage and complain in writing in good time.
Read the guide - You & your family5 min
Funeral insurance: what is it, and what is already covered?
Funeral insurance is often life insurance with a smaller amount. See what the public burial fee already pays for, and where death cover may exist through work, a union or other policies.
Read the guide - Personal cover5 min
Private healthcare insurance: what is included and when does it start?
Private healthcare insurance can offer another route to specialist care and surgery, within the limits of the agreement. How to read the health declaration, exclusions, start date and tax through work.
Read the guide - Travel insurance5 min
Annual travel insurance or cover for one trip: what applies?
Cover that runs all year still has a limit for each trip. Distinguish home insurance travel cover from add-ons and separate policies, and check the timing if you book late.
Read the guide - Personal insurance5 min
Races and sports events: which insurance applies?
An entry or a licence can include cover during the race, but the terms decide. Check the organiser's statement, your own accident and home insurance, and what applies as a spectator.
Read the guide - Get started and understand6 min
AI answers about your insurance: how to check what applies
AI services give quick answers about insurance, but the answers can be wrong. How to check an AI answer against your policy schedule and terms, and where to get an answer that applies.
Read the guide - Travel insurance6 min
Extended travel insurance: when the trip is longer than 45 days
The travel cover in home insurance lasts a set number of days per trip. How the days are counted, how an extension works and what applies once you are already abroad.
Read the guide - Travel insurance6 min
Trip cancellation cover: is it included in home insurance?
Cancellation cover can come with home insurance, a payment card or a separate policy. How to read which reasons count, which certificates are needed and what the law gives you if the trip is cancelled.
Read the guide - Travel insurance6 min
Travel insurance certificate: what it shows and where to find it
A travel certificate shows that you have travel cover and how to reach the emergency assistance centre. Where to find it, what it does not replace, and the insurance relatives need for a visa to Sweden.
Read the guide - Travel insurance6 min
Travel insurance when you are not registered in Sweden
Travel cover in home insurance and the European Health Insurance Card can depend on where you reside and are insured. How to read the terms if you reside abroad, are new to Sweden or are visiting.
Read the guide - Pets6 min
Dog insurance in Sweden: what is included, and what changes as your dog ages?
Dog insurance in Sweden combines veterinary cover with, often, life cover. How to read age limits, waiting periods, the excess and the premium as your dog ages, and what applies if your dog injures someone.
Read the guide - Pets6 min
Cat insurance in Sweden: indoor cats, outdoor cats and older cats
Cat insurance in Sweden combines veterinary cover with, often, life cover. How to read age limits, what the terms say about a cat that goes outdoors, the ID and registration rules, and what applies if your cat causes damage.
Read the guide - Vehicles and travel6 min
Buying a car: which insurance applies from day one?
Motor third-party insurance must apply from the day you become the owner. How the change of owner works, what happens to the seller's policy, the charge for an uninsured car, the own-damage guarantee and the difference between third-party, partial and comprehensive cover.
Read the guide - When something happens6 min
Personal injury in a traffic accident: who pays and how do you claim?
Motor third-party insurance pays for personal injury to drivers and passengers regardless of who caused the accident. Which policy you claim from, which time limits apply and how compensation fits with pay and other insurance.
Read the guide - Home & your belongings6 min
Frozen water pipes: what applies to a house or holiday home?
Frozen pipes can lead to water damage that insurance normally pays for, if the care requirements were followed. How to read the rules on heating, draining and checks, the excess and what to do first.
Read the guide - Home & your belongings6 min
Snow and ice on the roof: who is responsible, and what does insurance pay?
Snow sliding off a roof, a roof giving way under snow load and meltwater leaking in follow different rules. How to read the owner's duty, snow load in the terms and liability cover.
Read the guide - When something happens6 min
Burglary at home: what to do in the first 24 hours
Call the police, report it to the insurer and list what is missing. How the police report works, how stolen items are valued, the lock and door rules in the terms, and blocking cards after a burglary.
Read the guide - Travel insurance6 min
Ski trip insurance: what applies on the slopes and on the trip?
Travel cover in Sweden and abroad, ski accidents and off-piste, stolen or rented skis, the European Health Insurance Card and cancelling before the winter break. How to read what your policies say.
Read the guide - When something happens6 min
How to make an insurance claim in Sweden, step by step
Report as soon as you can, limit the damage and keep the evidence. See what the law says about time limits, how quickly the insurer must pay and where to turn if you disagree.
Read the guide - Personal cover6 min
Social insurance and private insurance in Sweden: who pays what?
The Swedish Social Insurance Agency replaces part of your income when you are ill or on parental leave. See where the cap lies and what collective agreements, unions and private insurance can add.
Read the guide - Vehicles and travel6 min
Motorcycle insurance: what applies to motorcycles and mopeds?
Third-party insurance is required as long as the motorcycle is registered for use. How third-party, partial and comprehensive cover differ, how taking the bike off the road for winter affects the policy, and what the terms may require for locks and protective gear. Plus what applies to class I and class II mopeds.
Read the guide - Vehicles and travel6 min
Electric car insurance: what applies to the battery and charging?
The battery is usually covered through mechanical breakdown insurance, but deductions for age differ a lot. How to read the terms on the battery, the warranty, the charging cable, the home charger, towing when the battery is flat and fire during charging.
Read the guide - Vehicles and travel6 min
Car insurance when you are new in Sweden: what applies to your car?
Third-party insurance is compulsory for a car registered for use. How cover works when you bring a car from abroad, drive a foreign-registered car, have no personal identity number yet or want to show your claims history.
Read the guide - Home & your belongings6 min
Renting out your home: what does your insurance say?
Subletting, taking a lodger or hosting short stays through a platform? How to read what your home insurance says about letting, what the tenant's own cover means and which rules on consent apply.
Read the guide - Personal cover6 min
Insurance for the self-employed: sickness benefit, income and life cover
With a sole trader business or your own limited company, you often lack the cover employees get through a collective agreement. How sickness benefit is calculated, how unemployment insurance works and how your personal cover differs from business insurance.
Read the guide - Home and housing6 min
Solar panels, batteries and home chargers: what does house insurance cover?
Solar panels are normally included in house insurance, but how long they are covered, what applies to the battery and the charger, and what a faulty installation means all differ. How to read the terms.
Read the guide - You & your family6 min
Moving out: which insurance covers you now?
When you move out of your parents' home, their home insurance normally no longer covers you. See what your own home insurance contains, and what applies to child insurance, accidents and cover through school or work.
Read the guide - Personal cover6 min
Child insurance at 18 and 25: what happens when the child grows up?
A child insurance policy usually runs until the insured person is 25. See what changes at 18, who the policyholder is and what may be offered when the policy ends.
Read the guide - Vehicles and travel6 min
Caravans and motorhomes: what does the insurance cover?
A motorhome registered for use must have third-party insurance. A caravan has none of its own, but it can have partial or comprehensive cover. How to read what applies to belongings inside, winter, locks, damp and trips abroad.
Read the guide - Your overview5 min
Insurance in Sweden: how does it all fit together?
Your cover in Sweden comes from three places: society, your job and the policies you take out yourself. A map for newcomers, with routes to the detailed guides.
Read the guide - Travel insurance5 min
Travel cover in home insurance: how many days it lasts at eight insurers
How many days the travel cover in Swedish home insurance lasts per trip at eight insurers, according to their own terms. With the date and source of the terms for each insurer.
Read the guide
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