Försäkringsbolaget ersätter dig för smyckena såvida inte polisanmälan saknas.

Because Swedish forms compounds very freely.

Here, the parts are:

• försäkring = insurance
• bolag = company

Together they make försäkringsbolag = insurance company.

The s in the middle is a common linking sound in Swedish compounds. Then the sentence uses the definite form försäkringsbolaget, meaning the insurance company.

It is the definite ending, so försäkringsbolaget means the insurance company.

The head noun is bolag, which is an ett-word:

• ett bolag = a company
• bolaget = the company

In Swedish, the definite article is often added to the end of the noun instead of being a separate word like English the.

Because dig is the object form of du.

• du = you (subject form)
• dig = you (object form)

In this sentence, the insurance company is doing something to you, so Swedish uses dig:

• Försäkringsbolaget ersätter dig ... = The insurance company compensates you ...

Compare:

• Du betalar. = You pay.
• Jag ser dig. = I see you.

The verb pattern here is:

ersätta någon för något = compensate/reimburse someone for something

So:

• ersätter dig = compensates you
• för smyckena = for the jewelry

This is a fixed and very common pattern in insurance or financial language.

Also, ersätta can mean different things depending on context:

• ersätta någon för något = compensate someone for something
• ersätta något/någon = replace something/someone

In this sentence, the insurance context clearly gives the meaning compensate.

Because smyckena is the definite plural form: the jewelry / the pieces of jewelry.

The forms are:

• ett smycke = a piece of jewelry
• smycken = pieces of jewelry
• smyckena = the pieces of jewelry

This can feel a bit different from English, because English jewelry is often uncountable. Swedish more naturally uses the countable noun smycke/smycken for actual items.

So smyckena suggests specific jewelry items already known from the context.

såvida inte means unless or except if.

It is a rather formal expression. In more everyday Swedish, you will often hear om inte instead.

So:

• såvida inte polisanmälan saknas = unless the police report is missing / unless there is no police report

A useful way to remember it is:

• såvida = provided that
• såvida inte = unless

Yes. It sounds more formal, administrative, or legal than everyday spoken Swedish.

A more conversational way to express a similar idea might be:

• ... om det finns en polisanmälan
• ... om du har gjort en polisanmälan

So this sentence has a slightly bureaucratic tone, which fits insurance language well.

polisanmälan is a compound noun:

• polis = police
• anmälan = report / notification / filing

Together, polisanmälan means police report or the filing of a police report, depending on context.

Like many Swedish compounds, it is written as one word. English often writes these as two words, but Swedish usually joins them.

Because Swedish usually does not use a separate word for the the way English does. Definiteness is often shown on the noun itself.

Also, anmälan belongs to a group of nouns whose singular form can look the same in indefinite and definite form in writing:

• en anmälan = a report
• anmälan = the report

So polisanmälan can appear without en and still be understood from context.

In formal Swedish like this, the phrase can also feel somewhat generic, so English may translate it more naturally as either the police report or a police report, depending on the situation.

Here, saknas means is missing, is absent, or is not available.

It comes from sakna, which can mean different things in different structures:

• Jag saknar dig. = I miss you.
• Något saknas. = Something is missing.

In this sentence, polisanmälan is the thing that is missing:

• polisanmälan saknas = the police report is missing / there is no police report

So the focus is not on someone missing the police report emotionally, but on the report not being present.

Because såvida inte introduces a subordinate clause.

The subordinate clause is:

• polisanmälan saknas

That is normal Swedish clause structure after a subordinating expression. Swedish main clauses often follow the V2 rule, but subordinate clauses do not.

In this particular example, the word order looks simple because there is no extra adverb in the clause. If there were one, you would see the subordinate-clause pattern more clearly:

• såvida inte polisanmälan redan saknas

So the sentence structure is completely normal for formal written Swedish.