For individuals
All your insurance, in a single view.
Bring your policies together in My Forsio. See what they cost, understand possible gaps and overlaps and keep track of what changes. Starting with your own insurance information.
ExampleExample household
My insurance
Your cover05
- Home insuranceInsurer A
- Travel insuranceInsurer B
- AccidentInsurer C
- AccidentGroup agreement
- Health insuranceGroup agreement
Life insuranceNot present in this example
What the analysis shows
Select a finding to see its basis.
Travel cover sits in two policies
Both the home policy and the separate travel policy carry travel cover for the same period. An indemnity policy pays for the same loss once.
The analysis is a basis for a decision and is meant to be checked against your own insurance documents.
Your policies. Your consent. Your overview.
What you get
See the whole picture. Understand the details.
My Forsio brings your costs, cover and things to review into one place. Explore an example of your overview.
What does your cover cost?
See how premiums are split across your policies. Select a part of the chart to see what it represents.
Select in the chart or list
1,000 SEK
Calculated from the example premiums.
An explanation, not just a flag.
See what was noticed, which policies are involved and what evidence is available. You decide what happens next.
1,200 SEK/ year
Premium of the travel policy involved. This is not an estimated saving.
An overlap does not automatically mean a policy is unnecessary.
Travel cover in two places
Both the home and travel policies include travel cover. Their scope, exclusions and trip duration need to be compared.
Evidence in this exampleTravel cover for the first 45 days.
Home terms · §9.2Separate travel cover for the same period.
Travel terms · §1.1An overview that moves with you.
Add policies, invite adult household members and choose who you share your overview with. You control what is included in your overview.
Your household
Sharing starts when both people have approved.
Your policies
Listed under removed policies
Can be restoredRemoving a policy in My Forsio does not cancel your contract with the insurer.
How it works
Your policies. Brought together.
Start with what you have. Forsio helps you bring your documents together, understand your cover and follow what changes.
Your overview starts with you.
A personal space for your insurance.
Signing in does not start fetching from insurers.
Insurers you can fetch documents from
Your insurer is missing? You can still add a policy document as a PDF.
- Trygg-Hansa
- Folksam
- If Skadeförsäkring
- Agria Djurförsäkring
- Svedea
- Länsförsäkringar Stockholm
- ICA Försäkring
Forsio is independent and has no commercial arrangement with any insurer.
The gaps
Understand what sits behind a finding.
Read the explanation behind a finding and open the related policy when one is linked. The analysis uses your policy information and can also take your household answers into account.
A policy missing from the overview does not always mean you lack cover. The available information may be incomplete.
Gaps
3 findings · Example
Travel cover sits in two policiesMediumHow do we know this?
Both the home policy and the separate travel policy carry travel cover for the same period. An indemnity policy pays for the same loss once.
Insurer A · Home §9.2 · Insurer B · Travel §1.1
No liability cover outside the home policyHighHow do we know this?
The liability cover in the home policy applies in the home. None of the other policies cover liability away from the home.
Insurer A · Home §4.2
Accident cover sits in two policiesInfoHow do we know this?
Both pay out on the same event. Unlike the travel cover above, this is not something you pay for twice. The amounts add up.
Insurer C · Accident §3.1 · Group agreement §2
Renewal comparison
When something changes without you noticing.
When previous and new policies are available, My Forsio compares their annual cost. See whether premiums have risen or fallen and whether an item can be traced to a separate policy.
If an item’s cover cannot be confirmed, it is shown as something to check. An item no longer being listed is not proof that its cover has ended.
Renewal comparison
ExampleBefore
4 890SEK/year
Home
Now
5 460SEK/year
- Home
(+570 SEK, +12 %)
Before
6 200SEK/year
Home
Now
7 300SEK/year
- Home3 400 SEK/year
- Home3 900 SEK/year
(+1 100 SEK, +18 %)
The earlier policy has been replaced by two. That is why a single premium can look lower while the total you pay goes up.
The valuable camera equipment (60 000 SEK) was itemised on the earlier policy but does not appear on the new one.
My belongings
Is the sum enough for what you own?
Compare the value of your recorded belongings with your home insurance amount. Vehicles, boats and holiday homes are kept outside the comparison. The bar reflects what you have added, not a complete valuation of your home.
The belongings you add are visible to you alone.
My belongings
Is the sum insured enough?
Your belongings
310 000SEK
Sum insured
1 000 000SEK
The belongings are worth 310 000 SEK and the home policy covers 1 000 000 SEK — 690 000 SEK of headroom.
Valuables
3 items145 000SEK
2 to look overElectronics
4 items96 000SEK
Bicycle
2 items69 000SEK
Vehicle
1 item210 000SEK
Insured separately
Your household
What no policy document says.
Your home, family and pets give your insurance context. Add household details to your profile and choose separately whether to invite other adults to a shared household overview.
01What is your living situation?
Alone, with a partner or something else. It decides whose belongings are insured, and by which policy.
02Do you have pets?
Veterinary care is not covered by the public system, and conditions that have already shown themselves are almost always excluded.
03Who else lives here?
Invite other adults in your household. Policy sharing starts when both people approve. Children’s insurance is handled through their guardian.
You choose who you share with.
- Your living-arrangement answers do not invite anyone or share your policies.
- Household sharing is a separate choice that requires both people to approve.
- You can stop sharing your information at any time.
- You can change your answers at any time. They are used when the analysis updates.
Your data
You keep control.
The whole product rests on your consent, and that is not one single yes. You see which insurers you have given consent to, and you can withdraw each one on its own.
- The consent is yours, one per insurer. You can withdraw it at any time.
- Your data is never shared without your consent.
- Forsio never sells insurance and never takes commission.
- Your insurance records are stored with Amazon Web Services in Stockholm.
All processing of personal data is described in our privacy policy (Swedish).
Been invited?
The same product, the same terms.
If an invitation reached you from your employer, your member organisation or an advisor, you meet exactly the same product as everyone else. The analysis is the same, the consent is still yours, and you decide who gets to see the result.
Follow the link in your invitation to get started. With no invitation, you can sign in directly.
Sign in with BankIDReady to see the whole picture?
You sign in with BankID and keep control of your consent the whole way.
Forsio is not an insurance intermediary and does not provide insurance advice.