In Sweden, every motor vehicle used on the road must have motor third-party liability insurance, which covers personal injuries and damage to another person’s vehicle in the event of an accident. Damage to the at-fault driver’s own vehicle is not covered. Separate motor vehicle insurance is required for such protection and may also cover theft and damage to the vehicle. In 2025, nearly SEK 25 billion was paid out for just over 1.8 million claims under these policies.
Since 2020, claims payments under motor vehicle insurance have increased by 37 per cent and payments under motor third-party liability insurance by 4 per cent. At the same time, the number of claims for which payments were made during the year increased by 20 per cent for motor vehicle insurance and decreased by 8 per cent for motor third-party liability insurance.
The most common claim for which insurance companies paid compensation in 2025 was glass damage, for example to vehicle windscreens. Payments for glass damage amounted to SEK 3.4 billion. However, the highest total compensation was paid for collision damage
to the vehicle itself, amounting to SEK 10 billion.
This page is based on our report Insurance in Sweden 2016–2025.
