Originally Posted by
RedChili
Found
www.truetraveller.com, apparently a British company which insures through Allianz. Their insurance covers everything except covid-19. Does anybody have any experience with them?
It's one certain and two other possible trips. Countries included are Schengen, Russia, Belarus, and the United States.
According to the information I've seen on their web site, the insurance is invalid on all types of travel which is not recommended. I'm not so worried about domestic Swedish trips. There are limited things that can go wrong when you're driving a car in your own home country.
I'm mostly worried about emergency health care (Russia, Belarus, USA), and possible flight cancellations on the way home. I wouldn't bother about insuring baggage etc.
Ironically, I've always had an annual travel insurance, and never needed it,
except on a single trip that I made about 25 years ago, when I didn't renew the insurance and was mugged in the Old City of Jerusalem. Lost a wallet with a couple of hundred dollars that way.
Insurance prices is even a bigger mystery than air fares. I've mostly used Lansforsakringar since I came to Sweden, but then a few years ago, I got a sudden spike in my car insurance. I found a much cheaper insurance through Folksam and signed up. I later learned that it was due to the fact that I didn't have a Swedish driving license, so I had to phone Lansforsakringar and give them details of my driving license.
You have home insurance that covers travel insurance. However, I used to live in the UK and bought rental excess from there once, and all the services I received were excellence - much better than here. I can imagine the only issue is how they define Covid-19 related illness/situation - if you go when UD tells you not to go, I don't think a British insurer will help you out if your trip is regarded as "unnecessary". If the flight cancellation is under "force majeure" then your insurance might not cover, and if you are flying EU airlines you have EU261.
Mr. used a DK driver licence until it was stolen in 2017, before that he could only get very few quotes even we sent in his DK licence copy to various companies. He had to switch to a SE one because he lives here - anyway, he suddenly got more offers and the prices got cheaper. However, IF still refuses to insure import car which one of ours car was bought in Germany, we first had to stick with M Sverige and then now we will change to Moderna once it's expired.
Originally Posted by
fassy
Maybe, perhaps also since I have my company insured with them as well. The overall package is quite substantial...
I’m with Handelsbanken and they are quite good but also expensive. Good företags Support with linking the accounts into the bookkeeping at my accountant at LRF (now Ludvig&Co) In Germany with DKB and Ing DiBa.
it got better over time due to the new SEPA rules but still you have to be very careful with cross border payments to not end up with absurd high fees from the German banks.
I heard Handelsbanken is very business friendly, so as private individual customers we are not their prime customers. We had an oresunds account with them and we cancelled them when they imposed a fee to have it. It's a lot cheaper to transfer money using Transferwise anyway - Handelsbanken robs like hell with exchange rate and fee. I use Skandiabanken to move money to DKB and no fee is charged (SEPA), got tricked once because I thought GBP was SEPA and got a fee from DKB.
Originally Posted by
GUWonder
Stimulate the Swedish economy by wasting money locally.
Well the new recommendation that we can "2 hours" domestically is definitely to stimulate domestic tourism. I'm waiting for the border to open so I can go to Germany to get my cars serviced and tyres changed. Driving to DK is covered by my home/car insurance and DE is not part of "Nordic" so I need UD to lift that recommendation not to go in order to travel.