Hedvig Insurance Review: Best Insurance Company in Sweden?
Are you considering Hedvig for insurance in Sweden? Understanding your options is important when settling in the country. With many insurance companies in Sweden, choosing the best one can be overwhelming.
In this post, I'll share my experience with Hedvig as my home insurance provider since 2019, including my experience with filing a claim. This will help you understand the important aspects of coverage and what to look for in an insurance provider in Sweden.
Hedvig offers not only home insurance but also car, pet, student, and accident insurance, providing a range of options to suit your needs.
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Hedvig Home Insurance (Hemförsäkring)
A digital-first insurance company offering transparent and hassle-free home insurance policies. Their platform simplifies claims with swift processing and support.[lasso id="9414" link_id="8695" ref="hedvig" theme="cutter" type="button"]
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Hedvig Car Insurance (Bilförsäkring)
Hedvig's car insurance offers flexible, comprehensive coverage with options for all needs, including 24/7 roadside assistance and personal support via their app, all without any lock-in period.[lasso id="12481" link_id="8710" ref="hedvig-car" theme="cutter" type="button"]
Hedvig Dog Insurance (Hundförsäkring)
Hedvig's dog insurance ensures comprehensive care with coverage up to 160,000 SEK, a fixed deductible starting at 0 SEK, unlimited vet calls, and an included annual health check-up for all dogs.[lasso id="12480" link_id="8711" ref="hedvig-pet" theme="cutter" type="button"]
Hedvig Cat Insurance (Kattförsäkring)
Providing high coverage for veterinary care and unlimited digital vet calls, Hedvig's cat insurance offers protection without binding time, covering all cats including previously unknown diseases and defects.[lasso id="12480" link_id="8712" ref="hedvig-pet" theme="cutter" type="button"]
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Hedvig Accident Insurance (Olycksfallsförsäkring)
Hedvig's accident insurance provides global, 24/7 coverage with up to 1 million SEK compensation for injuries, with no deductible for comprehensive protection.[lasso id="12482" link_id="8697" ref="hedvig-accident" theme="cutter" type="button"]
Hedvig Insurance in Sweden
When I needed home insurance, I discovered that Hedvig is one of the leading insurers in Sweden. My preference leans towards providers with a hassle-free claiming process and an English language option.
Hedvig adopts an innovative approach, minimizing paperwork for claims and offering flexible policies tailored to individual needs. The company has received positive feedback from customers.
As one of the fastest-growing home insurance companies in the Nordics, Hedvig Insurance in Sweden now also offers accident insurance as an additional option.
Initially starting with home insurance, Hedvig has since expanded to provide a broader range of options.
Hedvig offers more than just home insurance; they also provide...
Plus, with their easy-to-use app, managing all your policies is straightforward and convenient.
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Features of Hedvig Home Insurance in Sweden
Their home insurance policy offers an extensive coverage package to ensure that your belongings and well-being are well-protected. With a coverage limit of 1,000,000 SEK and a fixed deductible of 1,500 SEK, you can be confident that your items at home are secured.
- Fire and water damage: They cover incidents related to both fire and water. I'll share more about my experience filing a claim for water damage in our apartment below.
- Theft, burglary, and criminal damage: You are protected against theft, burglary, and any criminal damage in your home.
- Liability and legal protection: Hedvig provides coverage in case of legal disputes or accidents.
- White goods coverage: Their policy includes coverage for essential white goods, such as refrigerators and washing machines.
- All-risk coverage: This covers unforeseen events like accidental damage, offering up to 50,000 SEK per lost or damaged gadget.
Additionally, the policy includes travel insurance, covering you for 45 days per trip, ensuring worry-free travel experiences.
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Hedvig's home insurance in Sweden offers various types of insurance depending on your residence type.
- Rental Insurance: Covers you and your belongings if you are a tenant.
- Homeowner Insurance: Designed for your own apartment, including coverage for you and your belongings.
- House Insurance: A combined home and house insurance with full value protection.
- Student Insurance: Tailored coverage specifically for students.
Hedvig aims to provide fair and accurate pricing for their home insurance policies, considering various factors to ensure personalized and competitive rates.
The cost of your home insurance in Sweden will only adapt as necessary, responding to changes in your life or societal factors.
My Experience filing a claim with my home insurance
When we faced water damage in our rental apartment, it was a stressful ordeal, but Hedvig made handling the insurance claim smooth. To start, I simply sent a voice recording through their app, explaining the situation in detail.
Fortunately, our belongings were intact, but finding a temporary place was urgent, as we needed to move out the next night. Hedvig's customer support was both empathetic and efficient, quickly helping us secure a temporary apartment.
We only had to pay a deductible of 1500 SEK, a significant relief under the circumstances.
With just the 1500 SEK deductible, we were able to stay in the temporary apartment until repairs were completed on our rental.
Features of Hedvig Car Insurance in Sweden
Hedvig's car insurance in Sweden is flexible and adapts to your needs. With no lock-in period, you have the freedom to make changes as needed.
You can choose to have repairs done at your preferred workshop and easily manage your policy within the Hedvig app.
The coverage options of Hedvig's car insurance in Sweden vary to suit different needs:
- Basic traffic insurance covering personal injury and third-party property.
- Partial coverage includes theft, burglary, 24/7 roadside assistance, motor insurance, liability coverage, and more.
- Full cover, including car body damage.
Just like their home insurance, the cost of your car insurance adapts based on individual circumstances and the level of protection chosen.[lasso id="12481" link_id="8731" ref="hedvig-car" theme="cutter" type="button"]
Features of Hedvig Pet Insurance in Sweden
Hedvig's pet insurance offers the highest limit in Sweden, with coverage up to SEK 160,000, including treatments, medications, and coverage for hidden faults. Through the Hedvig app, you can access advice and digital care for your pet. An annual health check-up is included, ensuring your pet's well-being.
Pet insurance coverage is comprehensive and comes in three levels, each with maximum compensation per insurance year:
- Basic Coverage: Covers veterinary care, congenital/hereditary diseases, hidden defects, complications during birth, castration, and sterilization.
- Standard Coverage: Includes advanced diagnostics, rehabilitation, dental care, medicine, plastic surgery, radiation, and chemotherapy.
- Premium Coverage: Offers compensation for lost income due to pet care, life insurance, and prescribed medical food.
Hedvig's pet insurance aligns with their commitment to providing flexible and comprehensive insurance solutions, adapting to the unique needs of each pet owner.[lasso id="12480" link_id="8732" ref="hedvig-pet" theme="cutter" type="button"]
Features of Hedvig Accident Insurance in Sweden
Hedvig's accident insurance provides comprehensive protection globally, 24/7. If you or a family member suffers an injury due to an accident, you can receive compensation up to 1 million SEK, covering not only injuries but also loss of workability.
Key benefits include:
- Coverage for hospital stays, dental repairs, and rehabilitation.
- Financial support for various expenses related to treatments.
- No deductible, making it a hassle-free process.
This policy serves as a reliable supplement to your home insurance, ensuring that you and your family are covered in any unexpected situation, anywhere in the world.[lasso id="12482" link_id="8733" ref="hedvig-accident" theme="cutter" type="button"]
Pros of Hedvig Insurance in Sweden
- Responsive Customer Support: Quick, helpful service from their team for queries and claims.
- Digital-first Approach: Easy insurance policy management and document access via their app.
- Referral Program Savings: Save on premiums through referrals; more referrals mean more savings.[lasso id="9414" link_id="8734" ref="hedvig" theme="cutter" type="button"]
Cons of Hedvig Insurance in Sweden
- Digital Focus: This may not appeal to those preferring in-person insurance management.
- New company: Less established track record compared to older insurers.
Who is Hedvig Insurance for?
Hedvig is primarily for modern individuals who appreciate innovative and convenient solutions for managing their home insurance needs. They are designed for those who prefer utilizing digital platforms for policy management, claims processing, and customer support, rather than traditional, in-person methods.
Hedvig Alternatives
If you're exploring home insurance options in Sweden, you might find this post about the top choices useful.
- Sensor Försäkring: Offers customizable policies and discounts for bundling various insurances, such as car insurance. They also boast the fastest response times in customer and claim services.
- Tryggsam: Renowned for customer-friendly and adaptable insurance services, providing tailor-made plans to meet varied requirements and comprehensive coverage.
- If Insurance: Recognized as a leading non-life insurance company in the Nordic region, IF is commended for its exceptional customer service and care.
Here's a detailed post on the available insurance options in Sweden.
FAQs About Hedving Insurance
What factors does Hedvig consider when determining pricing?Hedvig takes into account factors like age, the number of people in the household, and the size of the apartment to determine the best price for your coverage.
What types of insurance does Hedvig offer?Hedvig initially offers home insurance, which covers homeowners, renters, and condominium owners, as well as accident insurance. Since then, they expanded and started offering car insurance and pet insurance.
How do I get a quote from Hedvig?To get a quote from Hedvig, simply visit their website and provide the necessary information about your living situation and desired coverage.
Can I bundle my insurance policies with Hedvig?Yes, Hedvig allows you to bundle multiple insurance policies for added convenience.
What sets Hedvig apart from traditional insurance providers?Hedvig’s unique approach to insurance focuses on providing personalized, affordable coverage by considering individual factors and offering flexible options to meet each customer’s specific needs.[lasso id="9414" link_id="8735" ref="hedvig"]
Final Thoughts: Is Hedvig Home Insurance Worth It?
Overall, I am pleased with my experience with Hedvig. The claim filing process was simple, and their app enabled me to start a claim whenever needed. The outstanding support we received during our difficult situation was truly appreciated. I recommend Hedvig to anyone looking for dependable and extensive home insurance coverage in Sweden.
