Got a letter from the insurance company today and they are paying out for the car, no premium or excess. Not a word about my licence but then they did have it on record that I had a non-Swedish drivers licence. And I had heard stories about 5000kr fines and no insurance payout - so I am relieved.
Now I just have to fight with them about how much they are going to give me for my old beast, which they will undoubtedly want to write off.
And then do something about our licences.