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Having the right insurance for yourself, your family, and all your personal belongings can be beneficial as a newcomer in Sweden. By going through our guides and info about insurance in Sweden, as well as our comparison of popular Swedish insurance companies, you'll get settled with the insurances you need in no time.
Insurances. One of the constants in life for most of us, that follows (and protects) us wherever we decide to go. Maybe it's not always the most fun thing to set up, but still – it's a good thing to have in place. As a newcomer in Sweden, having the right insurance set once you arrive, as well as when you get settled, can offer much needed peace of mind against those unwanted things that can happen when we least expect them. In those cases, having the right insurance to cover damages, illnesses, and other unforeseen events, brings, for most, a huge sigh of relief. Because let's be honest – having to spend those hard earned money of yours to cover something that the right insurance would've covered for you – not fun. At the same time, it's equally important to not be over-insured, and pay for insurances you don't actually need. It's a balance act, and you need to look at your own needs to decide which insurances you need.
The good thing is that there's an insurance for (almost) everything these days, and while some insurances are legally required in Sweden (e.g. car insurance), most insurances in Sweden are not legally required, but still widely used and recommended to have. Home insurance, car insurance and pet insurance are all very common in Sweden, and by entering into an insurance agreement with your Swedish insurance company, you commit to paying an annual premium, which is the cost of your coverage. In Sweden, it's common to have the option of paying for your insurance either monthly, quarterly or annually.
On settled.se, we're on a mission to help newcomers in Sweden get settled with the basics, and part of that is to get you through what type of insurances you need in Sweden for yourself, your family and your belongings. It's important to mention that we're not an insurance broker or insurance advisor, we simply aim to provide information and guidance about insurance in Sweden, so that you can find, compare, and proceed to sign up for the insurances you may need. Their respective terms and plans outline the price, terms and compensation levels that you're entitled to in different situations. So that you can have the right insurance in place for your unique (or not so unique) lifestyle in Sweden.
Learn more about various insurance categories, plans, and companies. Compare based on your specific needs and lifestyle.
Once done with your comparison, select the insurance company that best matches your requirements.
Proceed to sign up with the insurance company. Review the price and other details on the company's site, and sign up for your contract.
As mentioned, many insurances are optional in Sweden, some are mandatory and others highly recommended. One legally required insurance is car insurance for vehicle owners, so if you intend to own a car in Sweden - don't miss out on that one. Home insurance for mortgage holders is in most cases a requirement from the bank, your landlord and/or the housing cooperative. And yes – home insurance can make you sleep better at night. Health insurance is usually covered by the national healthcare system, but supplemental private health insurance can offer additional benefits, especially if you're not covered by the Swedish social insurance. It's also good to consider pet insurance if you have pets, because veterinary costs can be high in Sweden. Travel insurance is another quite popular insurance in Sweden, covering your trips and adventures abroad. Other common insurances in Sweden are life insurance, all-risk insurance (an add-on if it's not already included in your home insurance) and unemployment insurance.
Getting a grip of the insurance market in Sweden can be somewhat of a challenge, especially for newcomers, but also for native Swedes. At settled.se, we’ve done some (read: a lot) of the digging for you to hopefully simplify it a bit, so that you can sit back, enjoy some Gifflar and a cup of Swedish coffee, and find, compare, and choose the right insurance for your needs. By reading up on various providers, insurance options, identifying your personal needs and requirements, and using the info we've gathered to help you compare companies, you'll be well-prepared to find the best insurance in Sweden for your situation. You can go through our overview and in-depth comparisons for Home Insurance, Pet Insurance, Travel Insurance and Car Insurance.
Settled.se is a free, independently operated information and comparison site dedicated to providing newcomers in Sweden with a transparent overview of various insurance options, companies, and categories. You can consider us your first Swedish friends (if you haven't had time to find some already), and we are here to make your transition to Sweden smoother and more informed.
As a newcomer getting settled in Sweden, that d*mn Swedish Personal Number ("personnummer") will for sure haunt you for quite some time. You need it for more or less everything in Sweden, and insurance is usually no exception (sorry). Most insurance companies in Sweden require you to have either a Swedish Personal Identity Number or a Coordination Number ("Samordningsnummer"), but some Swedish insurance companies do offer insurance in Sweden to foreigners without a Swedish Personal Number, although it typically requires a bit more admin work. If you don't have a Swedish Personal Number yet, our recommendation is to either wait until it's sorted before you sign up for insurance, or to contact the insurance company directly to discuss options. Most Swedish insurance companies offer support in English, so don't worry if you haven't had time to practise that Swedish just yet.
We've also gone through some of the most popular insurance companies in Sweden to try and find information on insurance companies that might insure you without a Swedish Personal Identity Number or Coordination Number. The answer from most insurance companies is that "it depends on the situation", so our recommendation is again to get in contact with the companies and explain your situation.
As two Swedes who moved abroad ourselves, we discovered that understanding insurance coverage as a foreigner in a new country is no easy task. Once we decided to move back to Sweden, we decided to leverage our knowledge of living (and thriving) in Sweden and launched settled.se, to help newcomers get settled with the essentials needed to fully enjoy this beautiful country.
With years of experience working with subscription management for mobile, broadband, electricity and insurance, we are happy to help you find and compare some of the most popular companies in Sweden. Our goal is to educate you a bit along the way, so that you can make the best informed choice for your specific needs.
