Folksam Reviews 

Don'T TRUST ! is important only to you pay for them ,nothing back

Re-train your customer service please. A lady who answer me today at 01.07 in English customer service sound very rude and annoying, and not only me. I have the speaker on and everyone is asking "What's wrong with her"

Incredibly rude customer service on the phone and won't let you speak to explain your case and how they failed to do their service and withdrawal. She'll keep on telling you information that already exists on the website. Probably not trained to find solutions for a case, instead, they'll just repeat info that a normal person would know.

I might change to a different insurance company if I get more problems like this in the future that could have been avoidable.

The worst customer service I have ever experienced. There's literally no way to contact them. I had a question about my information because Folksam sent an email to confirm information on website. Then the links in email do not work or instruct where to update the info. I wanted to confirm this with them and spent 2h on simple question that would take 1min to answer. The humans in the chat were not able to answer and directed to email addresses that do not work. I also doubt it is legal to forward people to email addresses that do not work (twice) and not being able to get through the AI when calling them.

I had a very disappointing experience with Folksam when trying to report a car damage claim.

My car was hit by a heavy-duty truck while parked. The other driver came to me immediately, admitted responsibility, and provided their details. I also had an urgent safety concern because the impact was near the rear wheel and I was unsure if the vehicle was safe to drive.

Despite this, I experienced long waiting times and poor support. I spoke to two different very rude representatives but was not able to receive assistance in English, which made communication very difficult. My urgent safety concern was not properly addressed, and I was simply directed to submit the claim online.

At no point did I receive clear guidance on whether the vehicle was safe to drive or needed immediate inspection or towing.

While the claim itself may be straightforward, the lack of accessible support and failure to handle an urgent safety-related situation was unacceptable.

Very good experience

Ones again this totally and utterly joke of am insurance company Pays out 523 kr and claims that is 20% of 6668 kr
2 weeks after an email apology their mistake This is 3 weeks after I complained learn simple calculation.
7 bank days past and still nothing been waiting for a simple theft payout since October 2025 and lost over 45.000 so far completely and utterly useless.

Am so qmd so deeply disappointed but honestly not surprised after 15 years in Sweden anyone should have learned here u must be after each and everyone supervising they do their jobs most stressful Country wher absolutely nothing works

DENMARK YOU ARE AND WILL ALWAYS BE SUPER SUPERIOR over Sweden

PROUD Dane

I had folksam for 4 years now. Never made a claim until now. First claim ever and I have decided to cancel my insurance with them based on the nighmare that it has been to deal with them. I had an accident which was quite straight forwad (my vehicle was rear-ended by someone). The claim process quickly turned into a gaslighting experience as the agents first delayed action, took over two months to respond, the evidence that I shared wasn't passed on with my case. The messages in the app were not responded to, for weeks. Leading to me calling them. The agents spoke coldy when called and were unhelpfully, after long queue times. Overall the most disappointing experience I had with any insurance company. Moving to another company now, never doing business with Folksam ever again.

My mom had insurance sort of a life insurance through her work . Trying to deny me the payment. Stating they don’t know how to send it been 8 years after her death: people working there are rude and make threats on the phone . Expressed this and they refuse to pay it . I am going through attorneys both in the US and Finland now . Don’t care how long it takes but I will make this right . They are crooks and I will make sure justice is served and no one else get hurt by these people

A personal experience.
Needed to changed the cracked windshield of the car. Since I didn't know how it worked, I called Folksam. Yes you can claim, said the gentleman from Folksam. And I needed to pay 1800 krones. Changed it. Carglass sent the Faktura. Folksam denied. Called their agent. First he said yes you can claim it and that they didn't receive anything from carglass and after checking he said oh sorry you couldn't claim it since you have a trafik insurance. The reason I called you was I didn't know it first-hand. That is why we contact customer service. This mistake cost me more than the actual cost of the vehicle.

English customer service person was rude and didn't want to listen. She didn't even let me finish my question.

Worse increase in sweden put your vehicle value very low

Best part about dealing with them was friendly and smart customer support (rare thing nowadays). Not too pushy, allocated me enough time to consider the terms, not putting a pressure to make me decide

I called the English customer service about an invoice OCR issue, and the lady was completely rude and unhelpful. She didn’t even try to help, just wanted to get rid of me.

I had to take my cat to the veterinarian on Thursday afternoon. I was an acute appointment and they did blood tests. I submitted the invoice to Folksam when I came home, had a response on email two hours later, and the reimbursement according to my policy was into my account the next day. Wow! I'm so impressed.

Do you have the same horrible exprerience with this company as i. Report them!

Waiting for hours to speak to somebody and then they break contact. They are rude. Very quick responding regarding your claim with a list what they need otherwise they do nothing. But when you send in all the things they need. You don't hear nothing of them anymore. When you call they press you away.
They obviously have no clue how to run there company.

They send letters with highing your own risk amount but they don't even have all the information. They are thiefs and frauds and i encourage you to make a report to the police of fraud. You can hold them legally liable for default!

Worst client service for non-swedish speaking. I cant get reimbursement for shady reasons and I pay quite a lot per year

Never had any trouble with Folksam, always quick to respond and help with any issue.

Today I called Folksam for help with a payment that they owed me. Within 10 seconds of my call, the support lady accused me of "having a bad day", refused to listen to me and would talk over me when I tried to explain that the instructions she was giving me weren't working, and eventually hung up the phone after insisting she was trying to help me. Possibly the worst customer service experience I've ever had.

On the positive, I was able to phone back and speak to a more qualified rep who did resolve my issue.