THE SHORT ANSWER
When you move in together or separate, the first insurance question is simple: who is covered, at which address and from what date? Start there before comparing costs or deciding who pays the next bill.
Paying part of the premium or sharing an address is not the whole answer. Some insurers require everyone covered to be named in the policy letter. Check the contract and the insurer's confirmation. [1]
Keep these points in mind
- Check the people covered, not just who pays.
- Check each home when you move apart.
- Update your documents and answers after the change.
STEP BY STEP
How to check your cover
Find who is named on each contract
Find the current policy letters and distinguish the policyholder, who took out the contract, from other people covered. Trygg-Hansa, for example, explains that a cohabiting partner must be named in the letter to be included in its home insurance.
Make a short list of the policy, address, people and period of cover. Mark anything the documents do not establish rather than filling in an assumption. A general product leaflet does not replace the details of your own contract.
[2]Moving in together: confirm who is included
Contact the insurer and ask what needs changing when you start living together. Request confirmation of who is covered and from which date. Do not assume that registering the address alone makes the person moving in insured.
If you both have home insurance, compare the addresses and policy contents too. If one of you keeps a previous home, that is a separate question to resolve. Becoming cohabiting partners does not by itself establish which contract should end.
[2]Moving apart: check each person's next address
Trygg-Hansa explains that, after separation, home insurance continues for the policyholder while the additional insured person needs their own cover. Ask your insurer what applies to you and the new address.
If children have two homes, ask whether they are covered at both and need to be named. Keep the answer. Division of assets and rights to the home are outside this guide.
[3]Check who survivor cover is intended for
If you have life insurance, check who the beneficiary is: the person who may receive payment when the insured person dies. A default order or a specific nomination may apply. Ask the insurer to explain what applies to your contract after the change.
Also note which financial commitments have changed and which questions you need answered. This guide does not choose insurance amounts or beneficiaries for you. Updating Forsio does not change a beneficiary nomination with the insurer.
[4]
Make your questions easy to answer
Separate what needs checking: people, addresses, periods and documents. For example: Am I included from the day I move in? Does the letter also apply to the previous address? Is there a new letter after the change? This makes clear which answer is still missing.
Keep the insurer's confirmation with the new policy letter. A verbal answer you cannot recall precisely is harder to follow up. This is a way to organise your documents, not legal advice about a separation.
Let About you reflect your current living situation
In My Forsio, you can update your living arrangements in About you: whether you are living alone or with a partner, whether your partner has home insurance and whether you know you are covered by it. Choose Not sure when the answer is unconfirmed. Add new insurance documents once the insurer has changed the contract.
Your answers supplement the documents; they do not add anyone to a policy. Sharing information through Forsio does not make the recipient an additional insured person either. The overview can only show what is in the documents and the information you have provided.
Fictional example
The same address, one unanswered question
Alex moves in with Kim. Kim has a current home policy letter, but the documents do not identify Alex.
- Kim's policy
- Letter for the shared address
- Alex's cover
- UnverifiedAsk the insurer to check who is included.
- After the insurer replies
- Save new documents and update About you
Alex not appearing in the documents does not establish that cover is missing. The question needs verifying before the couple draws conclusions about the contracts.
Common questions
Do both people have to be named in the policy letter?
That depends on the insurer's terms. Several insurers require the people covered to be named. Check your letter and ask the insurer if someone is not identified. [1]
Does separating mean all insurance ends?
No. Ask the insurer to review each contract: who is covered after the change, and from what date? [3]
Is sharing the information in Forsio enough?
No. Sharing information does not mean sharing insurance cover. You need the insurer to confirm which people the contract covers.
MY FORSIO
Bring together what applies to you now.
See your insurance documents and update your answers in About you. My Forsio is free for individuals and does not change contracts for you.
Sources and references
Sources checked
This guide explains general principles of Swedish insurance. Your policy schedule and terms set out what applies to you.