Last Updated: September 15, 2023
Welcome to SwedishShield Insurance AB ("Company," "we," "us," "our"). These Terms of Service ("Terms," "Terms of Service") govern your use of our website located at https://swedishshield.se (the "Website") and the insurance services we provide (collectively, the "Services"), operated by SwedishShield Insurance AB.
By accessing or using the Services, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Services.
These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and SwedishShield Insurance AB, concerning your access to and use of the Services.
In these Terms, the following definitions apply:
To use certain features of our Services, you may need to register for an Account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for safeguarding your password and for all activities that occur under your Account. You agree to notify us immediately if you suspect any unauthorized use of your Account.
You must be at least 18 years old to create an Account and use our Services. By creating an Account, you represent and warrant that you are at least 18 years old.
You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.
We reserve the right to suspend or terminate your Account at any time for any reason, including but not limited to violation of these Terms. You may also terminate your Account at any time by contacting our customer service.
SwedishShield offers various car insurance products and services as described on our Website. The specific details, coverages, limitations, and exclusions of each insurance product are outlined in the respective policy documents.
Our digital services include but are not limited to:
We reserve the right to modify, suspend, or discontinue any part of our Services at any time without notice or liability. This includes the addition or removal of features, functionalities, or content.
All prices for insurance premiums and related services are listed in Swedish Kronor (SEK) and include applicable taxes unless otherwise stated. We reserve the right to change pricing at any time, though changes will not affect existing policies during their current term.
We accept various payment methods as indicated on our Website, which may include credit cards, debit cards, bank transfers, and other electronic payment methods. By providing payment information, you represent and warrant that you have the legal right to use the payment method.
For policies with recurring payments, you authorize us to charge the payment method on file according to the schedule specified in your policy documents. It is your responsibility to ensure that your payment information remains current and valid.
If a payment fails, we may attempt to process the charge again within a few days. If the payment continues to fail, we may suspend or cancel your policy in accordance with the terms of your insurance policy and applicable regulations.
Refund policies vary by insurance product and are detailed in our Refund Policy and the specific policy documents. In general, cancellation refunds are calculated on a pro-rata basis for the unused portion of the premium, minus any applicable fees.
The specific terms, conditions, coverages, limitations, and exclusions of your insurance policy are detailed in the policy documents provided to you upon purchase. These policy documents constitute the entire agreement regarding your insurance coverage and supersede any information provided on the Website or through other communications.
Insurance policies have a specified term as indicated in your policy documents. Policies may be renewed according to the terms outlined in your policy and subject to our agreement to renew.
You may request changes to your policy by contacting our customer service. Policy changes may result in premium adjustments or other modifications to your coverage. We reserve the right to approve or deny requested changes in accordance with our underwriting guidelines and applicable regulations.
You may cancel your policy at any time by contacting our customer service. We may also cancel or non-renew policies for reasons permitted by law and as specified in your policy documents. Cancellation terms, including notice requirements and refund calculations, are detailed in your policy documents.
The process for filing and resolving claims is outlined in your policy documents. You must promptly report any potential claims and provide all requested information. Fraudulent claims are grounds for policy termination and may result in legal action.
The Services and their original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of SwedishShield Insurance AB and its licensors. The Services are protected by copyright, trademark, and other laws of both Sweden and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of SwedishShield Insurance AB.
By posting, uploading, or otherwise making available any content to the Services, you grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use, copy, modify, create derivative works based on, distribute, publicly display, publicly perform, and otherwise exploit such content in connection with the Services.
We reserve the right to remove any content that violates these Terms or is deemed objectionable by us in our sole discretion.
You agree not to engage in any of the following activities:
Our Services may contain links to third-party websites or services that are not owned or controlled by SwedishShield Insurance AB. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that SwedishShield Insurance AB shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
The Services are provided on an "AS IS" and "AS AVAILABLE" basis. SwedishShield Insurance AB and its affiliates, subsidiaries, partners, officers, directors, agents, employees, and suppliers expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
SwedishShield Insurance AB makes no warranty that the Services will meet your requirements, be available on an uninterrupted, timely, secure, or error-free basis, or that the results that may be obtained from the use of the Services will be accurate or reliable.
In no event shall SwedishShield Insurance AB, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
Whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
This limitation of liability does not apply to liability resulting from our gross negligence or willful misconduct or to any liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless SwedishShield Insurance AB and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:
This defense and indemnification obligation will survive these Terms and your use of the Services.
These Terms shall remain in full force and effect while you use the Services. We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use the Services will immediately cease. If you wish to terminate your Account, you may simply discontinue using the Services or contact us to request Account deletion.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Services.
These Terms shall be governed and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
Any disputes arising out of or relating to these Terms or the Services shall be resolved through the following process:
Before filing a claim against SwedishShield Insurance AB, you agree to try to resolve the dispute informally by contacting us. We'll try to resolve the dispute informally by contacting you via email.
If we cannot resolve a dispute informally, any dispute arising from or relating to these Terms or the Services shall be finally settled in accordance with the Rules of the Swedish Arbitration Board. The arbitration shall take place in Stockholm, Sweden, and the language of the arbitration shall be English.
Notwithstanding the foregoing, either party may bring an individual action in a Swedish district court for disputes within the jurisdictional limits of such courts.
You and SwedishShield Insurance AB agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
If you have any questions about these Terms, please contact us at:
Our customer service team is available to help clarify any aspects of our terms and conditions.
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