Appeals, advice, reviews

I am not happy with the outcome. How can I appeal?

If you are unhappy about a decision in a case, you can ask for the decision to be reviewed. This is how you do it:

First contact the claims adjustor who has dealt with your case. A chat or a letter can provide additional information and sort out any misunderstandings. If you are still dissatisfied, you can contact your claims adjustor again, and ask for our Customer Ombudsman to review your case. It is always best to make an appeal in writing.

Advice and review from outside Europeiska ERV

If you are dissatisfied with a decision, you can always ask an independent party for advice and suggestions on how to proceed.

Claims assessor, arbitral tribunal

If you do not agree with our assessment of the value of damaged property, you can request an independent valuation.

Various insurance panels

Konsumenternas försäkringsbyrå [The Swedish Consumers Insurance Bureau]
Operated jointly by insurance companies

Finansinspektionen [the Swedish Financial Supervisory Authority] and Konsumentverket [the Swedish Consumer Agency]. The Bureau provides free advice and assistance on a range of insurance matters for private individuals.
Address: Karlavägen 108, Box 24215, 104 51 Stockholm
Telephone: 08-22 58 00

Allmänna Reklamationsnämnden [The Swedish National Board for Consumer Disputes]
ARN reviews complaints from private individuals. The review is carried out free of charge.
Street address: Teknologgatan 8 C,
Postal address: Box 174
101 23 Stockholm,
Telephone: 08 508 860 00

Personförsäkringsnämnden [The Personal Insurance Board]
Provides advisory opinions at the request of policy-holders (consumers) in disputes between the policy-holder and providers of illness, accident and life insurance.
Address: Karlavägen 108
Box 24067
104 50 Stockholm
Telephone: 08 522 787 31

Ansvarsförsäkringens Personskadenämnd [Liability Insurance Personal Injury Board]
Reviews loss adjustment issues regarding claims for personal injuries under liability insurance and other policies other than vehicle third party insurance.
Address: Karlavägen 108
Box 24067
104 50 Stockholm
Telephone: 08 522 787 31

Allmän domstol [Court of General Jurisdiction]
Even if your case has been reviewed by any of the above panels, you can still approach a court with your case. To cover some of the cost of taking your case to court, you can:

  • apply for legal aid which makes a contribution to your legal expenses following a review of your earnings
  • legal expenses insurance. In many cases, the legal expenses clause in the policy can be used.

Statutory limitation of claim

If you want to make a claim from Europeiska ERV, you must do so within 3 years of the date on which the injury was verified. If you fail to do so, there is a genuine risk that your claim will not be approved (i.e. will fall under limitation).

In some situations, e.g. if you were not aware that you were covered by insurance at the time of the injury, the maximum claims period is 10 years.