2026-02-252025/26:CU10 · p.2CUCivil law & housing
Construction of the Travel Guarantee Fund
A state guarantee for the travel-guarantee fund during its build-up phase
What's at stake: Without a state guarantee, the expanded protection for refund claims and certain vouchers will not apply in full until the fund is fully built up, which could take several years, whereas a state guarantee would give travellers security immediately but would involve a commitment that could carry costs for the state.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
The question is whether the new travel-guarantee fund should be complemented with a state guarantee during its build-up phase, so that the expanded traveller protection applies in full from the start, or whether the fund should be built up without a state guarantee, in line with the government's proposal.
Yes Yes — the committee proposal
The committee shares the government's assessment that a state guarantee would amount to a form of state financing requiring Riksdag authorization and would delay the reform, and that it would merely swap one cost for another, and therefore considers no state guarantee necessary during the fund's build-up.
No No — the reservations
Reservation 2 (S, C)
The reservation holds that the fund's build-up is too slow and that travellers will not have security until after several years, and wants the state — as in, for example, Germany — to act as guarantor during the build-up phase so that the expanded protection applies in full from the start, with the state's guarantee phased out once the fund can stand on its own.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 2 by S, C.
Abstain The party marks a position of its own that is not one of the two final alternatives.
What each plan points to — and how the party voted
For each party: the vote its own election manifesto and party programme point to in this case, next to how the party actually voted. A plan can only point to Yes or No; a party can also abstain.
| Plan | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | Yes 18/0/0/4 | departs from the plan | confidence: low | not addressed |
| S | No | No 0/93/0/13 | follows the plan | confidence: low | not addressed |
| MP | No | Yes 16/0/0/2 | departs from the plan | confidence: low | not addressed |
| C | Yes | No 0/21/0/3 | departs from the plan | confidence: low | not addressed |
| L | Yes | Yes 13/0/0/3 | follows the plan | confidence: low | not addressed |
| KD | Yes | Yes 17/0/0/2 | follows the plan | confidence: low | derived |
| M | Yes | Yes 60/0/0/8 | follows the plan | confidence: low | not addressed |
| SD | Yes | Yes 62/0/0/9 | follows the plan | confidence: low | not addressed |
Committee proposal
The Riksdag rejects the motions 2025/26:3181 by Alireza Akhondi et al. (C) claim 21, 2025/26:3849 by Joakim Järrebring et al. (S) and 2025/26:3854 by Alireza Akhondi et al. (C) claim 2.
Original (Swedish)
Riksdagen avslår motionerna 2025/26:3181 av Alireza Akhondi m.fl. (C) yrkande 21, 2025/26:3849 av Joakim Järrebring m.fl. (S) och 2025/26:3854 av Alireza Akhondi m.fl. (C) yrkande 2.
Riksdag decision: The Riksdag agreed to the government's proposal for an improved travel guarantee system. The purpose of the proposal is for travelers to receive stronger financial protection while costs and administration are reduced for travel companies. The travel guarantee system is changed by establishing a collective fund into which travel organizers pay a fee. As the fund grows, the individual guarantees that travel companies have towards travelers shall be reduced in size. Another legislative change means that more reimbursement claims shall be covered by the travel guarantee system. For example, travelers shall in certain cases be able to receive compensation even if they have been compensated in the form of a voucher, which previously would have become worthless if a travel organizer has gone bankrupt or cannot pay its debts. The government also proposes that it shall be possible for legal entities, such as payment card companies, to apply for compensation from the travel guarantee. Payment card companies can according to the Consumer Credit Act or contract be obligated to pay out compensation to travelers. These companies shall thus in turn be given the right to apply for compensation from the travel guarantee (so-called right of recourse). The legislative changes which mean that a collective fund is established begin to apply on 1 April 2026. Other changes shall begin to apply on the day the government determines.
Counter-proposals
- The counter-proposal wants the travel guarantee system to be designed with greater industry participation to avoid increased consumer costs. (S, C) — Reservation 2
Plan vs actual vote
Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.
The plan does not address travel guarantee funds.
Plan documents: party programme
Reasoning and quotes
The plan does not address travel guarantee funds. The closest lying principle is that society must always be there for those who need it and that the state can play an active role toward companies, which speaks for a state guarantee during the build-up phase so travelers are not unprotected for several years. At the same time, the plan warns against letting society guarantee private actors' risky business, which makes the conclusion uncertain.
Original (Swedish)
Planen behandlar inte resegarantifonden. Närmast liggande princip är att samhället alltid ska finnas där för den som behöver det och att staten kan spela en aktiv roll gentemot företagen, vilket talar för en statlig garanti under uppbyggnadsfasen så att resenärerna inte står oskyddade i flera år. Samtidigt varnar planen för att låta samhället garantera privata aktörers riskfyllda affärer, vilket gör slutsatsen osäker.
- society is theredecisive»Vi vill bygga ett samhälle som alltid finns där för den som behöver det.« (party programme ↗)“We want to build a society that always is there for those who need it.”
- active state role»Staten kan också spela viktiga roller för att hålla företagens« (party programme ↗)“The state can also play important roles in keeping corporate”
- do not guarantee private risks»pressa fram garantier för sina riskfyllda affärer.« (party programme ↗)“press out guarantees for their risky business deals.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan does not address the travel guarantee system.
Plan documents: party programme
Reasoning and quotes
The plan does not address the travel guarantee system. The closest principle is that society should be strong and protect the person in a vulnerable position, and that protection for consumers should be toughened. A state guarantor during the fund's build-up gives travellers that protection directly instead of in several years, which is why the plan supports the demand. The basis is, however, indirect.
Original (Swedish)
Planen behandlar inte resegarantisystemet. Närmast ligger principen att samhället ska vara starkt och skydda den som befinner sig i en utsatt position, samt att skyddet för konsumenter ska skärpas. En statlig garant under fondens uppbyggnad ger resenärerna det skyddet direkt i stället för om flera år, varför planen stöder kravet. Underlaget är dock indirekt.
- society protects the vulnerabledecisive»Socialdemokratin vill se ett starkt samhälle som skyddar den som befinner sig i en utsatt position« (party programme ↗)“Social democracy wants to see a strong society that protects the person in a vulnerable position”
- strengthened consumer protection»plattform för att på europeisk nivå skärpa skyddet av miljö, konsumenter och löntagare.« (party programme ↗)“platform for toughening protection of environment, consumers and wage earners at the European level.”
- security for business»Trygghet för småföretagare.« (party programme ↗)“Security for small business owners.”
The plan says nothing about travel guarantees or how such a fund should be set up.
Plan documents: party programme
Reasoning and quotes
The plan says nothing about travel guarantees or how such a fund should be set up. The closest principle is that the state must ensure regulations and institutions that make markets work well and provide conditions where individuals would otherwise be unprotected. Based on that principle, a time-limited state guarantee during the establishment phase can be defended, but the basis is weak.
Original (Swedish)
Planen säger ingenting om resegarantier eller om hur en sådan fond ska byggas upp. Närmast liggande princip är att staten ska säkerställa regelverk och institutioner som får marknader att fungera väl och ge förutsättningar där enskilda annars står oskyddade. Utifrån den principen kan en tidsbegränsad statlig garanti under uppbyggnadsfasen försvaras, men underlaget är svagt.
- the state ensures functioning marketsdecisive»Staten ska säkerställa att det finns regelverk och institutioner som ser till att marknader« (party programme ↗)“The state must ensure that there are regulations and institutions that see to it that markets”
- the state's role as enabler»Staten ska ge möjligheter och förutsättningar« (party programme ↗)“The state must provide opportunities and conditions”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The documents do not address travel guarantees or state guarantees to an industry.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The documents do not address travel guarantees or state guarantees to an industry. The closest principle is the election manifesto's demand for order and discipline in the economy, that the fiscal framework must be protected, and that politics must be prudent with taxpayers' money, together with the party programme's demand for frugality with tax revenues. Based on this, the plan does not support the state taking on a guarantee commitment during the fund's establishment.
Original (Swedish)
Dokumenten behandlar inte resegarantier eller statliga garantier till en bransch. Närmast liggande princip är valmanifestets krav på ordning och reda i ekonomin, att det finanspolitiska ramverket ska värnas och att politiken ska hushålla med skattebetalarnas pengar, tillsammans med partiprogrammets krav på sparsamhet med skattemedel. Utifrån detta ger planen inte stöd åt att staten tar på sig ett garantiåtagande under fondens uppbyggnad.
- order in state financesdecisive»Det finanspolitiska ramverket ska värnas och förstärkas, och Sveriges långsiktiga ekonomiska stabilitet ska försvaras. Politiken ska hushålla med skattebetalarnas pengar.« (2022 manifesto ↗)“The fiscal framework must be protected and strengthened, and Sweden's long-term economic stability must be defended. Politics must be prudent with taxpayers' money.”
- frugality with tax revenues»därför bör skattemedel användas sparsamt« (party programme ↗)“therefore tax revenues should be used frugally”
- responsible economic policy»Ett ansvarsfullt ledarskap som stärker Sveriges ekonomi långsiktigt och försvarar ordning och reda i ekonomin och det finanspolitiska ramverket.« (2022 manifesto ↗)“Responsible leadership that strengthens Sweden's economy in the long term and defends order and discipline in the economy and the fiscal framework.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan is restrictive regarding the public sector taking on commercial risk and emphasizes stable public finances and low state debt as a prerequisite for meeting crises.
Plan documents: party programme
Reasoning and quotes
The plan is restrictive regarding the public sector taking on commercial risk and emphasizes stable public finances and low state debt as a prerequisite for meeting crises. A state guarantee during the travel guarantee fund's development shifts the industry's risk to taxpayers, which diverges from the plan's line that markets should be regulated with rules of the game rather than with state commitments. The plan's consumer protection ambition pulls in the opposite direction but weighs less.
Original (Swedish)
Planen är restriktiv till att det offentliga tar på sig affärsrisk och betonar stabila offentliga finanser och låg statsskuld som en förutsättning för att möta kriser. En statlig garanti under resegarantifondens uppbyggnad flyttar branschens risk till skattebetalarna, vilket ligger vid sidan av planens linje att marknaden ska regleras med spelregler snarare än med statliga åtaganden. Planens konsumentskyddsambition drar åt motsatt håll men väger lättare.
- restrictive public risk-takingdecisive»Det offentliga ska endast driva affärsverksamhet om det finns ett starkt samhällsintresse.« (party programme ↗)“The public sector shall only conduct commercial activities if there is a strong public interest.”
- stable public finances»Stabila offentliga finanser och låg statsskuld skapar utrymme för Sverige att möta kriser utan att välfärden hotas.« (party programme ↗)“Stable public finances and low state debt create space for Sweden to meet crises without the welfare system being threatened.”
- rules of the game before state support»Marknadsekonomin kräver spelregler för att upprätthålla en sund konkurrens.« (party programme ↗)“The market economy requires rules of the game to maintain sound competition.”
- strengthened consumer protection»Den enskildes inflytande över de avtal som ingås i vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning.« (party programme ↗)“The individual's influence over agreements entered into in everyday life must be strengthened through improved consumer and contract law.”
The party programme rejects direct business subsidies and limits the state's role in economic policy to overseeing that legislation and good ethics are upheld in the market.
Plan documents: party programme
Reasoning and quotes
The party programme rejects direct business subsidies and limits the state's role in economic policy to overseeing that legislation and good ethics are upheld in the market. A state guarantee under building up the travel guarantee fund places public risk on the industry's own financing, which also conflicts with the requirement for restraint in public expenditure. The plan's consumer protection reasoning points the other way but does not carry a state commitment of that kind.
Original (Swedish)
Partiprogrammet avvisar direkta företagssubventioner och begränsar statens roll i näringspolitiken till att övervaka att lagstiftning och god etik upprätthålls på marknaden. En statlig garanti under resegarantifondens uppbyggnad lägger en offentlig risk på branschens egen finansiering, vilket också står i strid med kravet på återhållsamhet i de offentliga utgifterna. Planens konsumentskyddstanke talar åt andra hållet men bär inte ett statligt åtagande av det slaget.
- no to direct business subsidiesdecisive»Direkta företagssubventioner avvisas.« (party programme ↗)“Direct business subsidies are rejected.”
- the state's role is oversight»Statens roll i näringspolitiken är att övervaka att lagstiftningen och en god etik upprätthålls på marknaden.« (party programme ↗)“The state's role in economic policy is to oversee that legislation and good ethics are upheld in the market.”
- restraint in public expenditure»Sparandet i den svenska ekonomin måste hållas högt genom hushållssparande och genom återhållsamhet i de offentliga utgifterna.« (party programme ↗)“Savings in the Swedish economy must be kept high through household savings and through restraint in public expenditure.”
- consumer protection through rules»En fungerande marknadsekonomi kräver aktiva och välinformerade konsumenter samt effektiva rättsliga spelregler.« (party programme ↗)“A functioning market economy requires active and well-informed consumers and effective legal rules.”
The plan says nothing about travel guarantees.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan says nothing about travel guarantees. Where it wants the state to act as a guarantor it is explicitly and narrowly targeted at building new nuclear power, while the main rule is that new commitments must be financed or fit within the surplus target and that a large state leads to a weaker society. Having the state bear the travel industry's risk during the fund's construction lies outside those priorities.
Original (Swedish)
Planen säger inget om resegarantier. Där den vill att staten går in som garant är det uttryckligen och avgränsat riktat till byggandet av ny kärnkraft, medan huvudregeln är att nya åtaganden ska finansieras eller rymmas inom överskottsmålet och att en stor stat ger ett svagare samhälle. Att låta staten bära resebranschens risk under fondens uppbyggnad ligger utanför de prioriteringarna.
- reforms must be financeddecisive»Alla nya löften och reformer – som till exempel våra inkomstskattesänkningar – behöver finansieras eller rymmas inom överskottsmålet.« (2022 manifesto ↗)“All new promises and reforms – such as our income tax cuts – need to be financed or fit within the surplus target.”
- state guarantees directed to nuclear power»Införa gröna kreditgarantier för ny kärnkraft – staten ska underlätta finansieringen« (2022 manifesto ↗)“Introduce green credit guarantees for new nuclear power – the state shall facilitate financing”
- limited state»En stor stat leder till ett svagare samhälle.« (party programme ↗)“A large state leads to a weaker society.”
- clear prioritization»Vi vet vad som måste göras – och vad som får vänta.« (2022 manifesto ↗)“We know what needs to be done – and what can wait.”
The plan does not address the travel guarantee fund.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan does not address the travel guarantee fund. The closest principle is that public expenditures should be reviewed and redirected to the heart of welfare, that unnecessary expenditures should be scaled back and that every investment should demonstrate clear citizen benefit. A new state guarantee commitment for an industry fund has no support in these commitments. The conclusion is derived and uncertain.
Original (Swedish)
Planen behandlar inte resegarantifonden. Den närmast liggande principen är att offentliga utgifter ska ses över och riktas om till välfärdens hjärta, att onödiga utgifter ska skalas bort och att varje satsning ska visa tydlig medborgarnytta. Ett nytt statligt garantiåtagande för en branschfond har inget stöd i dessa åtaganden. Slutsatsen är härledd och osäker.
- concentrate funds to welfaredecisive»Se över offentliga utgifter och rikta om medel till välfärden och rättsväsendet« (2022 manifesto ↗)“Review public expenditures and redirect funds to welfare and the justice system”
- no unnecessary public commitments»Skala bort onödiga utgifter i det offentliga« (2022 manifesto ↗)“Scale back unnecessary expenditures in the public sector”
- citizen benefit for every investment»Sverigedemokraterna vill koncentrera de offentliga utgifterna till välfärdens hjärta och begära tydlig medborgarnytta för alla satsningar.« (2022 manifesto ↗)“Sweden Democrats want to concentrate public expenditures to the heart of welfare and demand clear citizen benefit for all investments.”
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Sources and documents
- The committee report on riksdagen.se (2025/26:CU10)
- Committee report full text (HD01CU10)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2025/26:3181 — Konsumentpolitik av Alireza Akhondi m.fl. (C)
- Motion 2025/26:3849 — med anledning av prop. 2025/26:45 Ett förbättrat resegarantisystem av Joakim Järrebring m.fl. (S)
- Motion 2025/26:3854 — med anledning av prop. 2025/26:45 Ett förbättrat resegarantisystem av Alireza Akhondi m.fl. (C)
- Proposition 2025/26:45 — Ett förbättrat resegarantisystem
Source: The Swedish Parliament