QUICK ANSWER
You're responsible for a vehicle's insurance right up until the exact moment the ownership change is actually registered with the Swedish Transport Agency – not the day you handed over the keys or mailed the form. If you cancelled your insurance before that, the vehicle was formally uninsured in your name for the days in between, and the fee is correct.
Getting a fee for a car that isn't in your driveway anymore feels unreasonable, but the law is strict on exactly this point: responsibility for the insurance follows whoever is the registered owner in the vehicle register, not whoever physically has the car.
How this happens
A common sequence: you sell the car, hand over the keys, and cancel your insurance the same day. At that point, the ownership change hasn't actually been registered with the Swedish Transport Agency yet – that only happens once the report actually arrives and is processed. Until that exact moment, you remain the owner on record. If your insurance has already ended by then, the vehicle was registered in your name without cover for the days or hours in between, and that's the period TFF charges for.
How to check what applies
Log in to the Swedish Transport Agency's e-service and check exactly which date and time the ownership change was registered. Compare that with the date your insurance stopped. If the insurance ended before the ownership change was registered, the fee is correct under the law, however short the gap.
How to avoid this next time
Don't cancel the insurance until the ownership change actually shows as registered, not just reported. Ideally, complete the ownership change together with the buyer directly in the Transport Agency's app at handover – that way it's registered instantly, and you know exactly when your responsibility ends. See also selling a car and the insurance.
Sources: Swedish Transport Agency, selling a vehicle. Traffic Damage Act (1975:1410) §2. Last checked: 2026-09-21.