Sweden is a popular emigration country for Germans.
The proximity to the North Pole and the Northern Lights and much more … If you have chosen Sweden as your new home, you usually take your car with you as well. And then you need a Swedish car insurance in Sweden. One should know that the insurance in Sweden are subject to different regulations than the insurance in Germany. The insurance companies have very funny names from the point of view of Germans. Hemförsäkring, for example, is Swedish household contents insurance. This is similar to the German form of home contents insurance and includes a travel insurance and a legal expenses insurance. The Livförsäkring is the life insurance, which occurs in the event of death with benefits. And the Barnförsäkringar is a special child insurance, which pays compensation in the event of illness or disability in children.
Then there is the Pensionsförsäkring in Sweden, a pension scheme that increases the pension when the retirement age is reached and the normal pension is insufficient. Finally, the Bilsförsäkring is the Swedish car insurance company. In Sweden there are no damage-free discounts as in Germany. Instead, it depends on how long the insured has the driver’s license . A maximum of 15 years is taken into account. If several insurance policies are taken out with an insurance, a discount may be negotiated or it will be offered at the same time. The insurance does not play a role for the foreigner in Sweden.
Cost of living Sweden
The insurance in Sweden is quite expensive. But not really more expensive than in Germany. The cost of living is comparable to that in Germany. But in the end, in many areas – including insurance – the Swedes have to pay a lot more. Of course you can compare insurance in Sweden as well. However, there are not as many as in Germany. Driving there with a German driver’s license is no problem. Most emigrants will sooner or later rewrite their driving license. Also the car has to be re-registered. The fees are also a cost factor that is not to be despised in Sweden. Overall, there are very big differences to Germany and the prices and what you get there and here.