Received a Swedish motor insurance fee?
In Sweden, motor insurance is required by law for every active vehicle. If a vehicle lacks it, or the insurance record doesn't match what's registered, the Swedish Motor Insurers' Committee (TFF) sends a daily fee for every day it was missing. Most fees come from a handful of specific situations – choose yours below to see why it happened and what you can do about it.
Is the vehicle uninsured right now? The fee keeps growing every day. Take out insurance or notify the vehicle off the road first, then read on.
What do you want to do?
- Received an invoice?Eleven common situations where the fee has already arrived, and what to do about it.
- Avoid the feeEleven common pitfalls when buying, changing ownership, or filing an off road notification – and how to avoid them.
- What is TFF?Who they are, why the fee is so high, and how it's calculated.
- Fee calculatorAn approximate cost based on vehicle type and the period without insurance.
Everything you need to know about fees from the Swedish Motor Insurers' Committee (TFF)
Received an invoice or a fee from the Swedish Motor Insurers' Committee (TFF)? It normally means a vehicle registered to you has lacked motor insurance during a period when it was required to have it. This is called a motor insurance fee, and it's charged for every day the vehicle was uninsured.
The fee is not the same thing as a fine. The right to charge it is set out in the Traffic Damage Act, and the fee is considerably higher than the cost of ordinary motor insurance. That's why even a short period without insurance can lead to a fee of several hundred, or several thousand, kronor.
Why does a fee from TFF arise?
A fee can arise for several different reasons. Sometimes the owner simply forgot to take out insurance, but there are also situations where someone believes the car is still insured when it actually isn't – a common cause is an unpaid premium that led the insurer to quietly cancel the policy, without the owner noticing.
Other common examples are issues around an ownership change or a car being off the road, a car that's at the garage or has a driving ban, or something wrong in the vehicle's insurance record, see invoiced despite having insurance. An active vehicle subject to the insurance requirement normally needs motor insurance even if it isn't being used at the moment.
What do I do if I've received an invoice from TFF?
Start by checking which period the fee covers, and compare it against the ownership change, active or off-road status, and insurance records.
If the vehicle is still active and uninsured, the most important thing is to first make sure it gets motor insurance, or, if it isn't going to be used, check whether it should be taken off the road. Only after that is it time to work out why the fee arose – see common situations where the fee has already arrived.
If a record is wrong, it's corrected at the insurance company or the Swedish Transport Agency, and TFF then updates the fee based on that. If you have questions about the fee itself, contact TFF directly, see contact details here.
How much does the motor insurance fee come to?
The fee depends, among other things, on the vehicle type and how long the vehicle has been uninsured.
What happens if the car is uninsured in Sweden?
An active vehicle subject to the insurance requirement must have motor insurance. If it doesn't, the Swedish Motor Insurers' Committee can charge a fee for every day it's uninsured.
Forgotten to insure the car, discovered it lacks insurance, or driven an uninsured car? First make sure it gets valid insurance. If it isn't going to be used, an off road notification can be an option.