QUICK ANSWER
A driving ban – for example after a missed or failed inspection – doesn't remove the requirement to have insurance. A vehicle under a driving ban is still registered as active, and it must be insured just like any other active vehicle, until an off road notification is actually made for it.
It feels contradictory: you're not allowed to drive the vehicle, yet you're still expected to pay for it to be insured. The explanation is that a driving ban and an off road notification are two completely different things in the vehicle register.
A driving ban isn't the same as an off road notification
A driving ban only means you're not allowed to drive the vehicle in traffic – it changes nothing about the vehicle's basic status. It's still registered as active, which under the Traffic Damage Act means it still requires insurance. An off road notification is a separate action you have to take yourself with the Swedish Transport Agency, and it's the only thing that actually stops the fee.
Common causes of a driving ban
The most common is a missed or failed roadworthiness inspection. Other causes can include unpaid vehicle tax, or a decision by the Transport Agency for other reasons. Regardless of the reason, the same principle applies: the insurance requirement remains as long as the vehicle is active.
What to do
If the vehicle is going to be used again: fix whatever caused the driving ban, for example by rebooking the inspection, and keep the insurance in place in the meantime. If the vehicle is going to sit unused for a while, or you're not fixing the issue right now: make an off road notification for it with the Swedish Transport Agency. That's the only thing that stops new fee days.
Is this actually about a vehicle sitting at a garage instead? See the car was at the garage or unusable.
Sources: Swedish Transport Agency, vehicle inspection. Traffic Damage Act (1975:1410) §2. Last checked: 2026-09-21.