Moderna Försäkringar

What Moderna Försäkringar does

Moderna Försäkringar is a Swedish non-life insurance provider offering a broad portfolio of personal lines insurance products to private individuals, with limited secondary exposure to small and medium enterprises. The product offering spans vehicle insurance (car with trafik-, halv-, and helförsäkring tiers; motorcycle; caravan; trailer; enthusiast cars; vintage mopeds), property insurance (home, villa, holiday home), family and life-stage coverage (child, pregnancy, personal accident), pet insurance (dog and cat), and boat/watercraft insurance. The core technology consists of a digital insurance platform featuring BankID-authenticated self-service via "Mina Sidor" (My Pages), web-based claims reporting, and a cookie consent management system, distributed alongside phone-based sales and claims support (0771-11 11 10 for private customers and 010-219 10 90 for damage claims). Specialist sub-brands — Atlantica (boat and watercraft insurance since 1916), Bilsport & MC (motorcycle and enthusiast vehicle insurance), and Moderna Djurförsäkringar (pet insurance) — extend the portfolio into niche segments with dedicated websites and underwriting.

The business model centers on collecting recurring insurance premiums via monthly (autogiro) or annual billing, with pricing not publicly disclosed and quotes generated on demand. A multi-policy bundling discount (Samlingsrabatt) of up to 20% is offered to customers holding policies across Moderna Försäkringar, Moderna Djurförsäkringar, Atlantica, and Bilsport & MC, incentivizing cross-sell and wallet expansion. Distribution is primarily direct-to-consumer through the website and call center, supplemented by insurance brokers via Trygg-Hansa's Mäklarkontoret.

Following the April 1, 2022 merger with Trygg-Hansa, Moderna Försäkringar now operates as a brand under Trygg-Hansa Försäkring filial, a Swedish branch of Tryg Forsikring A/S — one of the largest insurance groups in the Nordic region, listed on OMX Nordic Exchange Copenhagen. The Moderna Försäkringar brand is being progressively phased out as policies are renewed under Trygg-Hansa. The company's revenue is not separately disclosed, and its growth trajectory is best understood in the context of the broader Tryg/Trygg-Hansa consolidation in the Swedish market rather than as an independent standalone.

Name

Moderna Försäkringar

Legal name

Moderna Försäkringar

Website

https://modernaforsakringar.se

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

251–500 employees

Short description

Moderna Försäkringar is a Swedish non-life insurance provider offering personal lines coverage — vehicle, home, family, pet, boat, and specialty enthusiast insurance — to private individuals, operating as a brand within the Trygg-Hansa/Tryg Forsikring group following the 2022 merger.

Ownership category

akta.pro rank

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from policyholders for various coverage types including car, home, person, child, pregnancy, boat, and pet insurance. Premiums can be paid monthly via autogiro or annually.
2. Bundled Insurance Discounts: Revenue from customers who bundle multiple insurance products, offering up to 20% collection discount on premiums for having multiple policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Moderna Försäkringar is a Swedish non-life (property and casualty) insurance provider offering a broad portfolio of consumer insurance products including car, motorcycle, trailer, home, villa, holiday home, personal accident, child, pregnancy, boat, and pet insurance. Since the April 2022 merger, policies are progressively renewed under the Trygg-Hansa brand, with Moderna Försäkringar distributing products through its own website and through affiliated specialist brands (Atlantica for boats, Bilsport & MC for motorcycles and enthusiast vehicles, and Trygg-Hansa for pet insurance).

Product overview

Moderna Försäkringar is a Swedish insurance company offering a broad portfolio of property and casualty insurance products for individuals. The core offering includes vehicle insurance (car, motorcycle, camper, trailer), home insurance (home, villa, holiday home), and personal/family insurance (child, pregnancy, personal accident). The company operates as part of Trygg-Hansa, owned by Tryg Forsikring, and extends its portfolio through specialized sub-brands: Atlantica for boat and watercraft insurance, Bilsport & MC for motorcycle and enthusiast vehicle insurance, and Trygg-Hansa for pet insurance (dogs and cats). Customers can bundle multiple policies to receive up to 20% multi-policy discount.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilförsäkring (Car Insurance) Car insurance offering three levels of coverage: traffic insurance (trafikförsäkring), third-party insurance (halvförsäkring), or comprehensive insurance (helförsäkring). Targeted at private vehicle owners in Sweden.
• Hemförsäkring (Home Insurance) Home insurance for rental properties, tenant-owned apartments (bostadsrätt), and houses, providing compensation for damage to home, family, and belongings. Targeted at Swedish tenants and apartment owners.
• Villaförsäkring (Villa/House Insurance) House insurance for property owners, providing protection for the house, plot, belongings, and family. Targeted at Swedish villa owners.
• Barnförsäkring (Child Insurance) Child insurance covering both accidents and illness, 24/7 year-round, always without deductible. Targeted at parents of children in Sweden.
• Personförsäkring (Personal Insurance) Personal insurance providing broad protection and financial security for serious events, with no deductible. Targeted at Swedish individuals seeking accident and health-related financial protection.
• Gravidförsäkring (Pregnancy Insurance) Pregnancy insurance that can be purchased at any time during pregnancy. Includes Gravid Gratis (free basic coverage) and Gravid Large (enhanced coverage requiring payment), always without deductible. Targeted at expectant parents in Sweden.
• Fritidshusförsäkring (Holiday Home Insurance) Holiday home insurance for vacation properties. Targeted at Swedish owners of leisure/second homes.
• Husvagnsförsäkring (Camper/Caravan Insurance) Camper/caravan insurance for recreational vehicles. Targeted at Swedish owners of campers and caravans.
• Släpvagnsförsäkring (Trailer Insurance) Trailer insurance for utility and cargo trailers. Targeted at Swedish owners of utility and cargo trailers.
• Hundförsäkring (Dog Insurance) Dog insurance offered through Trygg-Hansa. Includes coverage levels: Flock, Kull, Liv, and Veterinärvård. Targeted at Swedish dog owners.
• Kattförsäkring (Cat Insurance) Cat insurance offered through Trygg-Hansa. Includes coverage levels: Kull, Liv, and Veterinärvård. Targeted at Swedish cat owners.
• Båtförsäkring (Boat Insurance) Boat insurance through Atlantica brand, a specialist since 1916. Comprehensive coverage with full insurance and assistance at sea included. Targeted at Swedish boat owners.
• Vattenskoterförsäkring (Watercraft Insurance) Insurance for personal watercraft/jet skis through Atlantica. Targeted at Swedish owners of personal watercraft.
• MC-försäkring (Motorcycle Insurance) Motorcycle insurance through Bilsport & MC brand, tailored for motorcyclists with straightforward insurance terms. Targeted at Swedish motorcycle owners.
• Entusiastbilförsäkring (Enthusiast Car Insurance) Specialty insurance for classic and enthusiast vehicles for owners passionate about cars. Offered through the Bilsport & MC specialist brand. Targeted at Swedish enthusiast car owners.
• Entusiastmopedförsäkring (Vintage Moped Insurance) Specialty insurance for vintage mopeds. Offered through the Bilsport & MC specialist brand. Targeted at Swedish vintage moped owners.

Quantifiable outcome

• Up to 20% discount on insurance premium when bundling multiple policies

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Trygg-HansacoreStrategic or Co-development Partner · 1 April 2022Moderna Försäkringar and Trygg-Hansa merged on April 1, 2022. Together they now operate under the Trygg-Hansa name, with insurance policies being progressively renewed in Trygg-Hansa. Trygg-Hansa Försäkring Filial, 106 26 Stockholm is the insurance provider.
• Tryg Forsikring A/ScoreOthersTryg Forsikring A/S is the parent company of Trygg-Hansa, which owns Moderna Försäkringar. Tryg is one of the Nordic region's largest insurance groups, listed on OMX Nordic Exchange Copenhagen (CVR-nr 24260666, Klausdalsbrovej 601, DK-2750 Ballerup, Denmark).
• AtlanticacoreChannel Partner/ Reseller/ DistributorAtlantica is a specialist brand within the Moderna/Trygg-Hansa group, specializing in boat insurance since 1916. They offer boat insurance and water scooter insurance as part of the product portfolio.
• Bilsport & MCcoreChannel Partner/ Reseller/ DistributorBilsport & MC is a specialist brand within the Moderna/Trygg-Hansa group, offering motorcycle insurance, enthusiast car insurance, and veteran moped insurance.
• Moderna DjurförsäkringarcoreChannel Partner/ Reseller/ DistributorModerna Djurförsäkringar is the animal insurance specialist brand offering dog and cat insurance. As of January 2023, animal insurance policies are being renewed in Trygg-Hansa.
• KabriaminorOthersKabria is mentioned as another brand within the Moderna/Trygg-Hansa group, with information available on their website about the merger.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Market position

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/modernaforsakr
• Facebookfacebook.com/modernaforsakringar
• LinkedInlinkedin.com/company/moderna-forsakringar

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

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 Moderna Försäkringar