2023-03-082022/23:CU7 · p.3CUCivil law & housing
Home insurance
Mandatory rules for legal protection in home insurance
What's at stake: Waiting-period terms in home insurance can make it hard, especially for women exposed to violence, to get help with legal costs in custody disputes right after a separation, which can affect the outcome of disputes involving children.
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 state should impose uniform rules on what legal protection in home insurance must cover – for example by removing the waiting period for custody disputes – or whether insurance companies should continue to set their own terms.
Yes Yes — the committee proposal
The committee rejects the motions, noting that the insurance product itself is essentially unregulated under the Insurance Contracts Act – insurers should remain free to decide what risks are covered and what exclusions apply. The committee notes that someone not covered by legal protection may instead have a right to legal aid under the Legal Aid Act.
No No — the reservations
Reservation 2 (S)
The reservation (S) wants to review the possibility of removing the waiting period so that legal protection in home insurance covers custody disputes with a former partner immediately, without a year having to pass since the separation, since the current waiting-period terms particularly harm women exposed to violence who have limited means to pay for legal representation.
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.
Abstain The party marks a position of its own that is not one of the two final alternatives.
The decision would have held
Explicit commitments that contradicted the vote: VVänsterpartiet
Ja 207–91Ja 186–112
Counterfactual: the parties above are moved to the position their own documents explicitly point at, carrying their whole contingent present. Every other party keeps its real figures, including dissenters and absentees.
How the AI parties would have voted
For each party: what its own plan – election manifesto and party programme – argues for in this case, next to how the party actually voted. The AI can only answer Yes or No; a party can also abstain.
| AI | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | Yes 21/0/0/3 | differsagainst own programme | confidence: high | explicit |
| S | No | No 0/91/0/16 | match | confidence: low | not addressed |
| MP | No | Yes 15/0/0/3 | differs | confidence: medium | not addressed |
| C | No | Yes 20/0/1/3 | differs | confidence: medium | derived |
| L | No | Yes 14/0/0/2 | differs | confidence: medium | derived |
| KD | No | Yes 16/0/0/3 | differs | confidence: medium | derived |
| M | Yes | Yes 57/0/0/11 | match | confidence: low | derived |
| SD | No | Yes 64/0/0/9 | differs | confidence: medium | not addressed |
Broke with the party line
| CJonny Cato (C, Skåne läns västra) | Abstain — party line: Yes |
MPs whose vote differs from their party's majority position in this division. Marked with a dark ring in the chamber view.
Committee proposal
Parliament rejects the motions 2022/23:324 by Markus Wiechel (SD) demand 2 and 2022/23:2215 by Jennie Nilsson et al. (S) demand 4.
Original (Swedish)
Riksdagen avslår motionerna 2022/23:324 av Markus Wiechel (SD) yrkande 2 och 2022/23:2215 av Jennie Nilsson m.fl. (S) yrkande 4.
Riksdag decision: Parliament rejected 30 proposals in motions submitted during the general motion period 2022. Some of the motions deal with compensation law issues, that is, issues about insurance and damages. Other motions deal with insolvency and enforcement law issues, that is, what should apply to individuals and companies that cannot pay their debts. Among other things, new rules are proposed on damages to crime victims and on the possibility of debt relief.
Counter-proposals
- The counter-proposal wants legal protection in home insurance for custody disputes to apply from separation without a waiting period. (S) — 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 establishes that many women cannot leave destructive relationships because their economy is too poor, and that the children's perspective must be strengthened in custody disputes.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan establishes that many women cannot leave destructive relationships because their economy is too poor, and that the children's perspective must be strengthened in custody disputes. It also requires that the woman gets counsel as the norm in legal proceedings and the right to support to leave violence. Removing the waiting period so that legal protection applies to custody disputes directly hits exactly this obstacle and is therefore supported by the plan.
Original (Swedish)
Planen slår fast att många kvinnor inte kan lämna destruktiva förhållanden eftersom deras ekonomi är för dålig, och att barnperspektivet måste stärkas i vårdnadstvister. Den kräver också att kvinnan får ombud som norm i rättsprocessen och rätt till stöd för att lämna våldsutsatthet. Att ta bort karenstiden så att rättsskyddet gäller vårdnadstvister direkt träffar exakt detta hinder och stöds därför av planen.
- economy prevents women from leavingdecisive»Många kvinnor kan inte lämna destruktiva förhållanden för att deras ekonomi är för dålig, därför hänger arbetet med att uppvärdera kvinnors arbete och höja löner i låglöneyrken ihop med arbetet mot våld mot kvinnor« (2022 manifesto ↗)“Many women cannot leave destructive relationships because their economy is too poor, so work to raise the value of women's work and raise wages in low-wage occupations is connected to work against violence against women”
- children's perspective in custody disputes»Barnperspektivet måste stärkas i vårdnadstvister och det ska inte vara möjligt för våldsutövare att behålla gemensam vårdnad« (2022 manifesto ↗)“The children's perspective must be strengthened in custody disputes and it should not be possible for the violent party to retain joint custody”
- legal counsel as the norm»målsägarbiträde för kvinnan ska vara norm i rättsprocessen« (party programme ↗)“counsel for the woman shall be the norm in legal proceedings”
- right to support when leaving violence»Vänsterpartiet anser att det därutöver måste vara en rättighet att få hjälp med en långsiktig trygg boendelösning för den som behöver det för att lämna våldsutsatthet« (2022 manifesto ↗)“The Left Party believes that there must also be a right to receive help with a long-term secure housing solution for those who need it to leave violence”
The stance rests on the quoted commitment in the party's own documents; the actual vote deviated. Click the quote to verify it in the document.
The plan demands action against men's violence against women and has increased resources to women's and girls' shelters, and it is explicitly feminist.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan demands action against men's violence against women and has increased resources to women's and girls' shelters, and it is explicitly feminist. Removing the waiting period so that women subjected to violence get legal protection in custody disputes directly follows from these commitments and the principle that all are equal before the law. However, the plan says nothing about insurance conditions, so the conclusion is derived.
Original (Swedish)
Planen kräver krafttag mot mäns våld mot kvinnor och har ökat resurserna till kvinno- och tjejjourer, och den är uttalat feministisk. Att ta bort karenstiden så att våldsutsatta kvinnor får rättsskydd i vårdnadstvister direkt följer av dessa åtaganden och av principen att alla är lika inför lagen. Planen säger däremot inget om försäkringsvillkor, så slutsatsen är härledd.
- against men's violence against womendecisive»Krafttag för att stoppa hedersrelaterat våld, sexualbrott och mäns våld mot kvinnor.« (2022 manifesto ↗)“Action to stop honour-related violence, sexual crimes and men's violence against women.”
- support for women subjected to violence»ökat resurserna till kvinno- och tjejjourernas viktiga arbete« (2022 manifesto ↗)“increased resources to women's and girls' shelters' important work”
- feminist party»Med denna grundsyn är socialdemokratin ett feministiskt parti.« (party programme ↗)“With this fundamental view, social democracy is a feminist party.”
- equality before the law»Vi är lika inför lagbokens paragrafer« (2022 manifesto ↗)“We are equal before the law's paragraphs”
The plan wants to create a way out for abuse victims throughout the country and women who have broken free from destructive relationships shall get their lives back.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan wants to create a way out for abuse victims throughout the country and women who have broken free from destructive relationships shall get their lives back. That the waiting period in home insurance's legal protection shuts out precisely abuse victims from representation in custody disputes counters that commitment, and the plan also wants to review the right to legal aid. Insurance terms are not directly addressed, so the conclusion is inferred.
Original (Swedish)
Planen vill skapa en dörr ut för våldsutsatta i hela landet och att kvinnor som brutit sig loss från destruktiva relationer ska få sina liv tillbaka. Att karenstiden i hemförsäkringens rättsskydd stänger ut just våldsutsatta kvinnor från ombud i vårdnadstvister motverkar det åtagandet, och planen vill dessutom se över rätten till rättshjälp. Försäkringsvillkor behandlas inte direkt, så slutsatsen är härledd.
- a way out for abuse victimsdecisive»skapa en dörr ut för våldsutsatta i hela landet« (2022 manifesto ↗)“create a way out for abuse victims throughout the country”
- support after breaking free»Kvinnor som brutit sig loss från destruktiva relationer ska få sina liv tillbaka« (2022 manifesto ↗)“Women who have broken free from destructive relationships shall get their lives back”
- access to legal representation»stärka lagstiftningen mot diskriminering och se över rätten till rättshjälp i diskrimineringsfall« (2022 manifesto ↗)“strengthen legislation against discrimination and review the right to legal aid in cases of discrimination”
- strong consumer protection»Vi vill ha ett starkt skydd« (party programme ↗)“We want strong protection”
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's crucial commitments are to strengthen the victim's perspective, to combat secondary victimization and that access to representation must be improved so that the right to have one's case reviewed is not limited to those with high income.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan's crucial commitments are to strengthen the victim's perspective, to combat secondary victimization and that access to representation must be improved so that the right to have one's case reviewed is not limited to those with high income. A waiting period that leaves abused women without legal protection in a custody dispute is precisely such an obstacle. Examining the possibility of removing the waiting period thus follows from the plan, even though it does not mention home insurance.
Original (Swedish)
Planens avgörande åtaganden är att brottsofferperspektivet ska stärkas, att eftervåldet ska bekämpas och att tillgången till ombud måste förbättras så att rätten att få sin sak prövad inte blir förbehållen den med hög inkomst. En karenstid som gör att våldsutsatta kvinnor står utan rättsskydd i en vårdnadstvist är precis ett sådant hinder. Att se över möjligheten att ta bort karenstiden följer därför av planen, även om den inte nämner hemförsäkringar.
- combat secondary victimizationdecisive»Det är också viktigt att brottsoffer får bättre stöd och att eftervåldet bekämpas.« (2022 manifesto ↗)“It is also important that crime victims receive better support and that secondary victimization is combated.”
- fair access to legal process»Möjligheten att processa mot stat eller kommun, då man har goda skäl att få sin sak prövad, ska i en liberal demokrati inte vara en rätt förbehållen de med hög inkomst.« (2022 manifesto ↗)“The possibility to sue the state or municipality, when one has good grounds to have one's case reviewed, should not in a liberal democracy be a right limited to those with high income.”
- better access to representation»Ledtiderna för handläggning och myndighetsutövning i domstolar och myndigheter måste kortas och tillgången till ombud förbättras.« (2022 manifesto ↗)“Processing times for case handling and official action in courts and agencies must be shortened and access to representation improved.”
- protection for abused women»Kvinnor med skyddad identitet ska enklare kunna byta efternamn på sina barn.« (2022 manifesto ↗)“Women with protected identity should more easily be able to change the surnames of their children.”
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 wants to strengthen general legal aid and give violence-exposed women better protection and support, and it states that the individual's position in everyday contracts should be strengthened through improved consumer and contract law.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan wants to strengthen general legal aid and give violence-exposed women better protection and support, and it states that the individual's position in everyday contracts should be strengthened through improved consumer and contract law. Children should not be forced to visit a parent who has abused them. To review the waiting period so that legal protection applies to custody disputes directly is thereby in line with the plan.
Original (Swedish)
Planen vill stärka den allmänna rättshjälpen och ge våldsutsatta kvinnor bättre skydd och stöd, och den slår fast att den enskildes ställning i vardagens avtal ska stärkas genom förbättrad konsument- och avtalslagstiftning. Barn ska inte tvingas till umgänge med en förälder som utsatt dem för övergrepp. Att se över karensvillkoret så att rättsskyddet gäller vårdnadstvister direkt ligger därför i linje med planen.
- protection and support for the abuseddecisive»Vi vill se en ökad handlingskraft mot sexuellt våld och våld mot kvinnor genom bland annat högre straff för sexualbrott och ett bättre skydd och stöd för offren.« (2022 manifesto ↗)“We want to see increased effectiveness against sexual violence and violence against women by, among other things, higher penalties for sexual offences and better protection and support for victims.”
- strengthened legal aid»allmänna rättshjälpen ska stärkas.« (party programme ↗)“general legal aid shall be strengthened.”
- stronger contract position»enskildes inflytande över de avtal som ingås i vardagen behöver stärkas genom förbättrad konsument- och« (party programme ↗)“individual's influence over contracts entered into in everyday life needs to be strengthened through improved consumer and”
- child's protection in custody matters»Barn ska inte tvingas till umgänge med en förälder« (party programme ↗)“Children should not be forced to visit a parent”
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 party programme requires that women, men and children subjected to violence in a close relationship are given adequate support and protection, sees men's violence against women as the ultimate expression of lacking equality and makes the best interests of the child decisive in decisions concerning children.
Plan documents: party programme
Reasoning and quotes
The party programme requires that women, men and children subjected to violence in a close relationship are given adequate support and protection, sees men's violence against women as the ultimate expression of lacking equality and makes the best interests of the child decisive in decisions concerning children. Reviewing the waiting period in home insurance's legal protection in custody disputes serves this, even though the plan values freedom of contract in the market.
Original (Swedish)
Partiprogrammet kräver att kvinnor, män och barn som utsatts för våld i en nära relation ges adekvat stöd och skydd, ser mäns våld mot kvinnor som det yttersta uttrycket för bristande jämställdhet och gör barnets bästa styrande vid beslut som rör barn. Att se över karenstiden i hemförsäkringens rättsskydd vid vårdnadstvister tjänar detta, även om planen värnar avtalsfriheten på marknaden.
- protection for those subjected to violencedecisive»Kvinnor, män och barn som utsatts för våld i en nära relation ska ges adekvat stöd och skydd.« (party programme ↗)“Women, men and children subjected to violence in a close relationship shall be given adequate support and protection.”
- men's violence against women»Mäns våld mot kvinnor är det yttersta uttrycket för brist på jämställdhet.« (party programme ↗)“Men's violence against women is the ultimate expression of lack of equality.”
- best interests of the child decisive»Barnets bästa ska vara styrande i all familjepolitik och vid alla beslut som rör barn.« (party programme ↗)“The best interests of the child shall be decisive in all family policy and in all decisions concerning children.”
- freedom of contract in the market»Marknadsekonomins civilrättsliga grundvalar är frivilliga och ofta informella avtal mellan självständiga aktörer.« (party programme ↗)“The civil law foundations of market economy are voluntary and often informal agreements between independent actors.”
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 wants to strengthen the protection of violence-exposed women, but does so with criminal law tools such as restraining orders, electronic monitoring and support to women's shelters, not by directing conditions in private insurance.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan wants to strengthen the protection of violence-exposed women, but does so with criminal law tools such as restraining orders, electronic monitoring and support to women's shelters, not by directing conditions in private insurance. According to the plan, the market economy is based on private ownership and freedom of contract. The demand to change the waiting period in home insurance's legal protection therefore does not follow from the plan.
Original (Swedish)
Planen vill stärka våldsutsatta kvinnors skydd, men gör det med straffrättsliga verktyg som kontaktförbud, fotboja och stöd till kvinnojourer, inte genom att styra villkoren i privata försäkringar. Marknadsekonomin bygger enligt planen på enskilt ägande och avtalsfrihet. Kravet på att ändra karensvillkoret i hemförsäkringens rättsskydd följer därför inte av planen.
- freedom of contractdecisive»på enskilt ägande och avtalsfrihet« (party programme ↗)“on private ownership and freedom of contract”
- criminal law protection instead»Införa kontaktförbud och fotboja direkt för en man som utsätter en kvinna för våld, om en riskbedömning visar att det finns behov« (2022 manifesto ↗)“Impose restraining orders and electronic monitoring immediately for a man who subjects a woman to violence, if a risk assessment shows there is need”
- support to women's shelters»Fortsätta stärka kvinnojourerna« (2022 manifesto ↗)“Continue to strengthen women's shelters”
- strengthened crime victim protection»Stärka skyddet för vittnen och brottsoffer« (2022 manifesto ↗)“Strengthen protection for witnesses and crime victims”
The plan wants to establish an action plan for those subjected to intimate partner violence and offer early interventions in custody disputes, and establishes that the right to support and help for crime victims must be strengthened.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan wants to establish an action plan for those subjected to intimate partner violence and offer early interventions in custody disputes, and establishes that the right to support and help for crime victims must be strengthened. Removing the waiting period so that legal protection covers custody disputes directly serves battered women's ability to have legal counsel. The plan is silent on the committee's reasons that the insurance product is not regulated by law.
Original (Swedish)
Planen vill upprätta en handlingsplan för den som utsätts för våld i nära relation och erbjuda tidiga insatser vid vårdnadstvister, och slår fast att rätten till stöd och hjälp för brottsoffer måste stärkas. Att ta bort karenstiden så att rättsskyddet omfattar vårdnadstvister direkt tjänar just våldsutsatta kvinnors möjlighet att få ombud. Planen är tyst om utskottets skäl att försäkringsprodukten inte regleras i lag.
- support for intimate partner violencedecisive»Upprätta en handlingsplan för den som utsätts för våld i nära relation« (2022 manifesto ↗)“Establish an action plan for those subjected to intimate partner violence”
- early interventions in custody disputes»Vi vill i ett tidigt skede erbjuda familjemedling. Det kan röra sig om tvister vid vårdnad, i rättsprocessen eller barnfridsbrott vid våld i nära relationer.« (2022 manifesto ↗)“We want to offer family mediation at an early stage. This can concern custody disputes, in legal proceedings or peace violations concerning children in intimate partner violence.”
- strengthened support to crime victims»Även rätten till ersättning, stöd och hjälp när brottet ändå skett måste stärkas.« (2022 manifesto ↗)“The right to compensation, support and help when crime has nevertheless occurred must also be strengthened.”
- the child's best interest»Att barnets bästa alltid ska beaktas« (2022 manifesto ↗)“That the child's best interest should always be considered”
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.
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Sources and documents
- The committee report on riksdagen.se (2022/23:CU7)
- Committee report full text (HA01CU7)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2022/23:1004 — Sverigedemokratisk insolvensrätt av Mikael Eskilandersson m.fl. (SD)
- Motion 2022/23:1007 — Krafttag mot överskuldsättning av Mikael Eskilandersson m.fl. (SD)
- Motion 2022/23:2010 — Sexualbrott av Johanna Rantsi (M)
- Motion 2022/23:2070 — Ekonomiskt våld mot kvinnor av Robert Hannah (L)
- Motion 2022/23:2215 — Konsumentpolitik av Jennie Nilsson m.fl. (S)
- Motion 2022/23:324 — Obligatorisk hemförsäkring av Markus Wiechel (SD)
- Motion 2022/23:354 — Utökad kontroll vid ansökan om personlig konkurs av Jonny Cato (C)
- Motion 2022/23:668 — Automatisk uppräkning av kränkningsersättningen av Ellen Juntti (M)
- Motion 2022/23:86 — Konsumentfrågor av Nadja Awad m.fl. (V)
- Motion 2022/23:863 — Rättspolitik av Ulrika Liljeberg m.fl. (C)
- Motion 2022/23:865 — Hållbar konsumentpolitik av Alireza Akhondi m.fl. (C)
Source: The Swedish Parliament