We get some questions about insurance, not least linked to card insurance and cancellation protection. Is it possible to pay for the bike ride via invoice, but still get the benefits of the card insurance? What's the deal? We have tried to sort out the concepts.
Is your card linked to a regular bank account that you use for payments and transfers? Then the card's travel insurance applies in most cases when you pay for the trip from your bank account. Please note that different rules apply to different cards, for example whether people other than family members can be covered by the insurance and how much of the trip must be paid for in a certain way for the card's travel insurance to apply.
This mainly applies when the card is linked to your bank account:
- Payment from a bank account is counted as a card payment
- Payment with Swish is counted as a card payment
Here you see examples from some banks. We reserve the right to make any changes.
Commercial banks
When our customers pay for a trip to Postgiro or Bankgiro, the travel insurance automatically applies, provided that the customer has a card with such a travel insurance with Handelsbanken.
Länsförsäkringar
A payment transfer from the bank account is counted as a card payment. If you have paid for the trip with Swish, it also counts as a card payment.
Nordea
If you have a credit card with travel insurance from Nordea and you pay for your trip via the Internet bank as a regular invoice, you will receive the credit card's travel insurance. Even when the payment goes from your personal account.
Swedbank
For payment, the following applies for the supplementary card insurance to apply:
Payment to bank giro / plus giro via Swedbank's giro payment service or bank giro / plus giro payment via the internet bank.
2. The Internet service Direct payment from an account at the bank, the account used does not need to have a card linked to it.
Supplementary insurance
The insurance cover that is included in a card is a supplementary insurance with a few elements. The content of the insurance varies depending on which card you have, but usually includes a cancellation protection, delay compensation and compensation in the event of an accident.