Summary of Insurance Terms and Conditions

Våra bilar är helförsäkrade genom Protector Skadeförsäkring vilket innebär att försäkringen innehåller trafik-, vagnskade- och halvförsäkring. Det ger ett omfattande skydd för eventuella skador under hyresperioden.

Below is a summary of what the insurance covers and its limitations. The full terms can be found here. Please note that all damages are compensated according to the full terms and conditions.

What the insurance covers

Försäkringen gäller i hela Norden och de övriga länder som är en del av Gröna Kortet-området.

The insurance covers the vehicle itself and equipment considered standard for cars. Car stereo systems, telecommunication, and other electronic equipment (including navigation systems) are covered if permanently installed. The insurance includes:

• Traffic Insurance: Covers personal injury to the driver, passengers, and other individuals outside the vehicle. It also covers damage to other people’s property, such as if you hit another vehicle or a guardrail.
• Fire: Compensation for damage to the car caused by fire, lightning strike, explosion, or short circuit.
• Theft: Compensation if the vehicle is stolen and for damage from break-ins/attempted theft, as well as crisis therapy in connection with carjacking or theft of car keys. The insurance also covers equipment and accessories considered standard for vehicles.
• Rescue/Towing:Towing the vehicle to a repair shop in the event of an accident, theft, or other breakdowns. Covers the cost of transporting the driver, passengers, and personal luggage home.
• Rättsskydd: Betalar ombuds- och rättegångskostnader upp till 250,000 SEK, vid tvister kopplade till biluthyrningen.
• Glass: Covers repair or replacement of windows that are broken or cracked.
• Feltankning: Ersätter upp till 100,000 SEK nödvändig rengöring och direkt uppkomna följdskador som orsakats av feltankning jämfört med fabrikantens anvisningar.
• Mechanical and Electronic Breakdown: Sudden faults affecting the function of the car, such as engine issues, electronic failures, gearbox problems, or powertrain disturbances.
• Collision Damage: Our passenger cars generally come with a collision damage guarantee. If this does not apply, our insurance still covers collision damage, including vandalism or other external accidental events (e.g., a tree falling on the car).

Important insurance limitations

The insurance does not apply in all situations, and there are safety regulations that describe how you must act to reduce the risk of damage. If you do not follow these rules, compensation may be reduced or, in some cases, denied entirely.

There are also other limitations in the insurance. You can read more about the rules that apply to different types of damages in the full terms and conditions.

The insurance does not cover:

• Damages covered by the manufacturer’s warranty or similar.
• Damage from driving on a closed race track.
• Unauthorized use of the vehicle.
• If the car was unlocked when not in use.

Högsta ersättningsbelopp från försäkringen (exkl. trafikförsäkringen) är 4 miljoner SEK.

Safety regulations

The insured must ensure that:

• The driver holds a valid driving license.
• The driver does not commit drunk driving.
• The car is not used when prohibited from driving.
• The car is not used in races or race training, or under race-like conditions such as street racing.

Deductibles ('Självrisk'):

• Vagnskada: 9,000 SEK
• Trafikolycka: 9,000 SEK
• Stöld: 9,000 SEK
• Glas: 9,000 SEK (0 SEK självrisk för stenskottsskador där rutan kan repareras istället för att bytas ut)
• Räddning: 9,000 SEK
• Feltankning: 6,000 SEK (där mekanisk skada inte uppstått)

If a deductible reduction has been purchased, the deductible is reduced according to the terms of the agreement.

Om föraren är under 25 år, tillkommer en extra självrisk på 1,000 SEK. Självrisken kan bli högre om skadan uppstått i fall där föraren har begått ett trafikbrott. Vid trafikolycka där föraren anses skyldig till skadan och skadekrav från 3:e part uppstår (så kallad regress) så kan två självrisker behöva betalas. En självrisk för skadan på det egna fordonet och en separat självrisk för regressen från 3:e part.

Deductible Reduction

Hyre also offers self-risk reduction. You can choose to add this insurance to your booking.

The full terms and conditions can be found here

Countries with coverage

Albania, Andorra, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Denmark, Estonia, Finland, France, Greece, Ireland, Iceland, Italy, Croatia, Cyprus, Latvia, Lithuania, Liechtenstein, Luxembourg, North Macedonia, Malta, Morocco, Moldova, Montenegro, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, United Kingdom, Serbia, Switzerland, Sweden, Czechia, Tunisia, Turkey, Germany, Ukraine, Hungary, Austria