Dina Försäkringar

What Dina Försäkringar does

Dina Försäkringar is a customer-owned (kundägt) Swedish insurance federation operating as a cooperative of six regional insurance companies (Dina Försäkringar Göta, Mitt, Nord, Syd, and Väst) coordinated by a central parent entity, Dina Försäkring AB, headquartered in Stockholm. The federation offers a comprehensive portfolio of insurance products organized across seven categories: vehicle (car, motorcycle, tractor, moped, snowmobile), home, family (child, health, accident), animal (dog, cat, horse), leisure (travel, boat, golf), agriculture (farm, forest, greenhouse, crop), and business (commercial, cyber, fleet). Sub-brands include Paydrive (vehicle insurance and mobility services) and Green Fleet (corporate fleet management with CO2 reporting). The broker channel is served through Mäklardisken, a centralized desk operating from Stockholm, Piteå, and Göteborg.

Technology infrastructure includes the Mina sidor (My Pages) customer self-service portal for policy management, online quote and purchase systems (with policies purchasable up to 60 days in advance), and automated decision-making applied in both underwriting (approve/partial/reject/human referral based on customer-provided inputs) and claims processing (specifically for delayed baggage and travel compensation). Integrations include digital mailbox providers Kivra and e-Boks, and Autogiro for direct-debit premium payments. The company participates in industry-wide shared databases including GSR (Gemensamt skadeanmälningsregister) for fraud prevention and partners with Larmtjänst AB for stolen-property recovery.

Revenue is generated through recurring insurance premiums based on individualized risk assessment, with annual and monthly billing options. Distribution operates across four channels: regional offices (direct, relationship-led), website self-serve, phone/contact center, and the Mäklardisken intermediary channel for SME commercial customers. The federation claims 250 years of combined experience and has held the Svenskt Kvalitetsindex #1 customer satisfaction ranking in Swedish property insurance for six consecutive years through 2025. Ownership rests with policyholder-members under the Nordic mutual model; no external equity investors or public listing exist, and the wholly-owned subsidiary Paydrive extends the offering into mobility services.

Name

Dina Försäkringar

Legal name

Dina Försäkring AB

Website

https://dina.se

Company type

Private

Founded year

1768

Operating status

Operating

Headcount range

101–250 employees

Short description

Dina Försäkringar is a customer-owned Swedish insurance federation of six regional companies, offering vehicle, home, family, animal, agriculture, and business insurance products to individuals, farmers, and SMEs across Sweden through regional offices, digital channels, and a broker desk.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Finance and Insurance (52)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Real Estate / Lessors Risk BOP (FSAJAFAI)

Keywords

• Property insurance
• Vehicle insurance
• Agricultural insurance
• Pet insurance
• Commercial insurance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: The primary revenue stream is insurance premiums collected from customers for coverage across vehicle, home, family, animal, business, and agriculture insurance lines. Premiums are typically paid annually or monthly and are based on risk assessment.
2. Intermediary/Broker Services: Revenue from serving the insurance broker market through Mäklardisken for commercial customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Dina Försäkringar is a customer-owned Swedish insurance federation operating through six regional insurance companies plus a central parent company. It sells property, vehicle, family, animal (pet/horse), leisure (travel/boat/golf), agricultural, and commercial insurance products to private individuals, farmers, and businesses throughout Sweden. The offering combines online self-service quote/purchase capabilities with personalized service through local offices and a centralized broker desk (Mäklardisken) for SME commercial customers.

Product overview

Dina Försäkringar is a customer-owned insurance group (kundägt försäkringsbolag) consisting of six regional insurance companies operating under a shared brand. The company offers a comprehensive portfolio of insurance products organized into seven main categories: Fordon (Vehicles) including car, motorcycle, tractor, moped, and snowmobile insurance; Hem (Home) encompassing home, apartment, rental, villa, and summer house insurance; Familjen (Family) covering child, health, and accident insurance; Djuren (Animals) offering dog, horse, and cat insurance; Fritiden (Leisure) including travel, boat, and golf insurance; Lantbruket (Agriculture) covering farm, forest, and greenhouse insurance; and Företaget (Business) providing business, cyber, and fleet insurance. The product portfolio includes core insurance products alongside specialized add-on modules like crop insurance, horse farm insurance, and the Green Fleet fleet management service. The company also operates Mäklardisken, a centralized broker desk serving intermediaries across all regional companies.

Differentiator

Problem solved

Functional benefit

Brands

• Paydrive: A subsidiary offering vehicle insurance and mobility services
• Mäklardisken
• Green Fleet
• Dina Försäkringar (Employer Brand)

Products and services

• Bilförsäkring (Car Insurance)
• MC-försäkring (Motorcycle Insurance)
• Hemförsäkring (Home Insurance)
• Barnförsäkring (Child Insurance)
• Sjuk- och olycksfallsförsäkring (Health and Accident Insurance)
• Hundförsäkring (Dog Insurance)
• Hästförsäkring (Horse Insurance)
• Kattförsäkring (Cat Insurance)
• Lantbruksförsäkring (Agricultural Insurance)
• Skogsförsäkring (Forest Insurance)
• Cyberförsäkring (Cyber Insurance)
• Företagsförsäkring (Business Insurance)
• Mäklardisken (Broker Desk)
• Green Fleet
• Växthusförsäkring (Greenhouse Insurance)
• Reseförsäkring (Travel Insurance)
• Båtförsäkring (Boat Insurance)
• Gröda- och reseförsäkring (Crop Insurance)
• Hästgårdsförsäkring (Horse Farm Insurance)

Quantifiable outcome

• Sweden's most satisfied private customers in property insurance - sixth consecutive year (Svenskt Kvalitetsindex 2025)
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SjöassistanscoreStrategic or Co-development Partner · 1 January 2023Partnership with Sjöassistans on the 'Framtidsfisken' (Future Fish) project to increase fish populations along Sweden's coast. Since 2023, 14,000 sea trout have been released in Stockholm archipelago to compensate for recreational boats' impact on marine environment.
• HushållningssällskapetcoreStrategic or Co-development PartnerPartnership through Hela Sverige Blommar (All Sweden Blooms) project to promote biodiversity. Dina Försäkringar sponsors flower seeds for farmers to plant in field margins, benefiting pollinators and farmland birds.
• RentokilminorGTM or Marketing PartnerPest control partnership for skadedjur (vermin/pest) issues. Refer customers to Rentokil for pest control services when needed.
• Mitt Liv ABminorStrategic or Co-development PartnerDiversity and inclusion partnership. Through Mitt Livs Chans mentorship program, Dina Försäkringar helps academics with foreign backgrounds enter the Swedish labor market.
• GSR (Gemensamt skadeanmälningsregister)coreTechnology or IntegrationIndustry-wide shared claims database used for fraud prevention in claims processing. Dina Försäkringar participates in this industry collaboration to identify unclear insurance cases and prevent fraudulent claims payments.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Länsförsäkringar: Sweden's largest customer-owned insurance federation with 23 regional companies plus a national parent (Länsförsäkringar AB). Directly comparable mutual model with multi-line P&C, life, and bank products, local regional presence, and customer-owned ethos; the dominant mutual insurance peer for Dina.
• Folksam: Major Swedish customer-owned insurance group offering property, vehicle, life, and pension insurance to private and corporate customers. Closely comparable mutual structure and product breadth; a leading direct competitor in Dina's core private and SME segments.
• Trygg-Hansa: Swedish P&C insurer owned by RSA (Intact Financial) offering home, vehicle, and business insurance directly to consumers. Directly comparable product portfolio and target segments, with stronger marketing scale and brand investment.
• Moderna Försäkringar: Swedish P&C insurer with a digital-first direct-to-consumer model covering home, vehicle, pet, and accident insurance. Comparable product set with greater emphasis on online self-service; a relevant Swedish P&C competitor with newer technology stack.
• Skandia: Swedish mutual-owned insurer focused on life, health, and pension products with adjacent P&C offerings. Comparable customer-owned (mutual) ethos and Swedish household brand; broader life and pension orientation than Dina.
• ICA Försäkring: Swedish retailer-affiliated insurance brand offering home, vehicle, accident, and pet insurance to ICA's loyalty base. Comparable consumer P&C offering targeting Swedish households via a distinct distribution channel.

Broad incumbents

• If Skadeförsäkring: Largest P&C insurer in the Nordics, owned by Sampo Group. Competes with Dina across vehicle, home, and commercial lines in Sweden but operates at significantly greater scale and with a broader Nordic footprint; an established broad-line incumbent rather than mutual.
• Sampo: Finnish insurance holding company whose largest subsidiary is If. Comparable through If's Swedish P&C operations, but operates at group level across the Nordics with broader scale and capital markets access.

Regional players

• Gjensidige Forsikring: Norway's largest general insurance provider, customer-owned, operating across P&C and selected commercial lines. Comparable mutual-customer-owned model and multi-line product set, but primarily serves the Norwegian market; useful regional comparison.

Emerging players

• Svedea: Swedish specialty insurer focused on niche segments including boats, motorcycles, classic vehicles, and certain commercial lines. Comparable niche underwriting approach to Dina's agricultural specialization, with overlapping but partial product overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dinaforsakringarsverige
• LinkedInlinkedin.com/company/dina-forsakringar
• Instagraminstagram.com/dinaforsakringar

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dina Försäkringar