Nordeuropa Försäkring

What Nordeuropa Försäkring does

Nordeuropa Försäkring is a Swedish insurance agency headquartered in Stockholm, founded in 2006 and operating with 11–50 employees. The company distributes a broad portfolio of personal lines — vehicle insurance (car, motorcycle, moped, electric scooter, trailer, snowmobile, ATV, motorhome, caravan), property insurance (home, villa, holiday home, hidden-defect cover), and personal accident insurance — alongside a small business group insurance product, Vårda Företaget. Underwriting and policy issuance have historically been carried by Gjensidige Försäkring, one of the leading Nordic insurance groups; Nordeuropa functions as the customer-facing distribution and intermediary brand.

The go-to-market is multi-channel: direct digital self-service via gjensidige.se and a "Mina Sidor" portal, phone-based sales and service (0771-326 326), email support, and a broker/intermediary channel (Förmedlare) serving enterprises. Revenue is generated through recurring insurance premiums paid by customers, with pricing determined individually by risk profile rather than publicly disclosed. The business serves both private individuals (primary segment) and Swedish SMB/business customers (secondary), supplemented by intermediary distribution.

The company is undergoing full operational integration into Gjensidige Försäkring effective January 1, 2026. From that date, Gjensidige assumes all customer management and administration; existing policy terms and premiums remain unchanged until the next main due date, and customers are not required to take action. Nordeuropa ceased to act as group representative for the Vårda Företaget group product on September 1, 2025, with that representative role transferring to corporate policyholders ahead of the broader consolidation. Post-integration, Nordeuropa Försäkring will cease to exist as a separate operating entity, with its customer book, channels, and products absorbed into the Gjensidige brand and infrastructure.

Name

Nordeuropa Försäkring

Legal name

Nordeuropa Försäkring

Website

https://nordeuropa.se

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Nordeuropa Försäkring is a Swedish insurance agency distributing personal and small-business insurance products (vehicle, home, accident, group cover) underwritten by parent Gjensidige Försäkring, currently being fully integrated into Gjensidige effective January 2026.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Personal insurance products
• Vehicle insurance coverage
• Property insurance services
• Business group insurance
• Accident insurance policies

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Nordeuropa Försäkring generates revenue through insurance premiums paid by customers. Premiums are typically paid annually or on a recurring basis. Insurance products include car insurance (Bilförsäkring), home insurance (Hemförsäkring), house insurance (Villaförsäkring), accident insurance (Olycksfallsförsäkring), and business insurance (Vårda Företaget group insurance). Premiums and terms remain unchanged until the next main due date.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Nordeuropa Försäkring is a Swedish insurance agency that distributes personal and business insurance products underwritten by Gjensidige Försäkring. Its offering spans vehicle insurance (car, motorcycle, moped, electric scooter, trailer, snowmobile, ATV, motorhome, caravan), property insurance (home, villa, holiday home), personal accident insurance, and group business insurance (Vårda Företaget). Following the January 2026 integration, Gjensidige Försäkring has assumed all customer management and administration, with existing policy terms maintained until the next main due date.

Product overview

Nordeuropa Försäkring is a multi-product insurance company offering a comprehensive portfolio of personal and business insurance products. The product suite includes vehicle insurance products (car, motorcycle, moped, electric scooter, trailer, snowmobile, ATV, motorhome, caravan), property insurance products (home, villa, holiday home, hidden defect insurance), and accident insurance. As of January 2026, Nordeuropa Försäkring integrates with Gjensidige Försäkring, which becomes the sole insurer and administrator. The Vårda Företaget group insurance product serves business customers. The portfolio represents a unified insurance platform serving private individuals and businesses with various coverage needs.

Differentiator

Problem solved

Functional benefit

Brands

• Vårda Företaget: Group insurance product for businesses, previously administered by Nordeuropa Försäkring as group representative until September 2025.

Products and services

• Bilförsäkring (Car Insurance) Car insurance for private individuals in Sweden providing coverage for vehicles including damage, theft, and liability protection.
• Hemförsäkring (Home Insurance) Home insurance for Swedish households covering household contents, personal belongings, and basic home protection.
• Villaförsäkring (Villa Insurance) Comprehensive villa insurance for private individuals providing coverage for houses including building structure and contents.
• Olycksfallsförsäkring (Personal Accident Insurance) Personal accident insurance for individuals covering injuries and related medical expenses.
• Motorcycle Insurance (MC-försäkring) Motorcycle insurance providing coverage for motorcycles for Swedish private individuals.
• Mopedförsäkring (Moped Insurance) Moped insurance providing coverage for moped vehicles.
• Elsparkcykelförsäkring (Electric Scooter Insurance) Electric scooter insurance providing coverage for electric scooters.
• Släpvagnsförsäkring (Trailer Insurance) Trailer insurance for vehicle trailers.
• Snöskoterförsäkring (Snowmobile Insurance) Snowmobile insurance coverage for personal snowmobile vehicles.
• ATV-försäkring (All-Terrain Vehicle Insurance) All-terrain vehicle insurance providing coverage for ATVs.
• Husbilsförsäkring (Motorhome Insurance) Motorhome insurance providing coverage for recreational vehicles.
• Husvagnsförsäkring (Caravan Insurance) Caravan insurance providing coverage for towed caravans.
• Fritidshusförsäkring (Holiday Home Insurance) Holiday home insurance providing coverage for vacation properties and second homes.
• Vårda Företaget (Business Group Insurance) Group insurance product for Swedish businesses providing employee benefit coverage; previously administered by Nordeuropa Försäkring as group representative until September 2025, with Gjensidige Försäkring remaining the insurer.

Quantifiable outcome

• Seamless transition with no changes to daily operations for customers during integration period
• +1 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Gjensidige FörsäkringflagshipStrategic or Co-development Partner · 1 January 2026Nordeuropa Försäkring is being fully integrated with Gjensidige Försäkring starting January 1, 2026. Gjensidige Försäkring, which was already the insurance provider, has now taken over all customer management and administration. This integration creates a unified, simpler, and more customer-focused insurance experience. Existing policies continue unchanged until the next main due date.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Länsförsäkringar: Swedish banking and insurance group operating through regional insurance companies. Offers car, home, accident, and business insurance comparable to Nordeuropa's portfolio to Swedish consumers and businesses.
• Folksam Ömsesidig Livförsäkring: Large Swedish mutual insurer offering life, accident, and P&C insurance to private individuals, companies, and municipalities. Direct competitor across Nordeuropa's product lines, including the Vårda Företaget group insurance category.
• Svedea: Swedish specialist insurer focusing on niche vehicle and personal lines including motorcycles, mopeds, ATVs, snowmobiles, and leisure vehicles — categories that overlap directly with Nordeuropa's specialty vehicle insurance offering.
• If Skadeförsäkring: One of the leading Nordic P&C insurers offering car, home, and accident insurance to Swedish private and business customers. Direct competitor in the same product categories and distribution channels as Nordeuropa.
• Moderna Försäkringar: Swedish insurance company (now part of Trygg-Hansa) offering personal P&C products including car and home insurance. Comparable as a direct competitor in the Swedish retail P&C market.
• Tre Kronor Försäkring: Swedish insurer offering personal lines such as car, home, and accident insurance with a focus on simple digital distribution. Comparable as a digital-first competitor in the same Swedish consumer P&C segments.
• Trygg-Hansa: Major Swedish P&C insurer (RSA/Intact subsidiary) offering car, home, and personal insurance products. Directly competes with Nordeuropa for Swedish private and business customers.

Emerging players

• Euro Accident: Swedish insurance and pension provider with a focus on health, accident, and life products for individuals and businesses. Comparable as a competitor in Nordeuropa's accident and group insurance segments, with partial product overlap.

Regional players

• Dina Försäkringar: Regional Swedish mutual insurance group offering personal and business P&C insurance. Comparable as a smaller-scale Swedish P&C competitor with overlapping private and commercial product lines.

Broad incumbents

• Gjensidige Forsikring ASA: Parent company of Nordeuropa Försäkring and one of the largest Nordic insurance groups. Comparable as the ultimate carrier of the policies Nordeuropa distributes and the entity absorbing Nordeuropa's operations.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/gjensidige_se
• LinkedInlinkedin.com/company/nordeuropa

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Nordeuropa Försäkring