Summary of Insurance Terms

Short-term insurance for motor vehicle hire. Applies to cars up to 3500 kg.

The conditions consist of one main condition for motor vehicles (MOT1-8), as well as one special condition 275, which adapts the standard condition to this special insurance cover.

What is insured?

• Car with extra set of ordinary wheels, sum insured up to NOK 1,000,000
• Charging cable for electric cars and plug-in hybrids
• Safety equipment, e.g. child seats
• Permanently installed additional equipment up to NOK 20,000
• Luggage up to NOK 10,000

Which damage situations are covered by the insurance?

Liability

• Personal injury to driver and passenger
• Injury to persons outside the vehicle
• Damage to buildings and other objects
• Damage to other vehicles

Partial Comprehensive (Delkasko)

• Fire damage
• Explosion, e.g. blast damage and lightning strikes
• Melting damage to electrical equipment after a short circuit
• Theft of the vehicle itself and theft of fixed equipment from the vehicle
• Damage caused to the vehicle in connection with attempted theft of the vehicle
• Glass pane damage - breakage and cracks - as well as damage to the glass roof
• Roadside assistance in the event of a breakdown, empty battery, lockout, illness or accident.

Comprehensive (Kasko)

• Damage to your own vehicle due to going off-road, overturning, collision, or vandalism
• Filling with the wrong type of fuel
• Other damage caused by an accidental, sudden and external event
• Rental car for up to 10 days while your own car is in the workshop for repair. Withdrawal of the rental car must be agreed with the Company in advance.

What excess must the Renter pay?

• Liability damages: NOK 12,000
• Fire damage: NOK 12,000
• Theft damage: NOK 12,000
• Damage to glass pane/glass roof 2.000,- (0,- deductible for damage from rubble that can be repaired)
• Roadside assistance: NOK 500
• Comprehensive damages, in addition: NOK 12,000

If deductible insurance has been purchased, the deductible is reduced based on what is stated in the agreement.

Can the compensation be reduced or refused?

In some cases, the insurance company will demand recourse from the renter. The most common cases are:

• Intentional - damage caused intentionally by the owner or user
• Gross negligence
• Drunk driving
• Violation of a safety regulation. (The safety regulations that apply are listed in the insurance certificate.)
• That the vehicle has been used on a closed track for purposes other than slippery driving/driver's license training at an authorized traffic school, KNA, NAF or MA.

Important to know

Notification of damage

No bonus is earned by having the car insured in this scheme. Therefore, there will be no loss of bonus in the event of damage.

Grossly negligent driving/recourse

As a result, you may also have to pay, in whole or in part, for damage caused to someone other than yourself, e.g. the other party's vehicle in a collision (this is called recourse).

Damages under excess

In the case of minor damage that is below the deductible, the renter will only be charged the total cost (repair cost), not the full deductible.

Deductible insurance

(Must be purchased separately before signing the agreement) If the renter has purchased deductible insurance, the standard deductible is reduced to the amount stated in the agreement.

Countries outside the Nordic region that are covered by the current insurance agreement

Azores (P) Balearic Islands (Mallorca, Ibiza) (E)BelgiumBulgariaCeuta (E) Cyprus - southern partDenmark (including North Sea) Canary Islands (E) Estonia Finland France Greece Guadeloupe (F)Guyana (F)Netherlands (including North Sea) Ireland Iceland Italy Croatia Latvia Liechtenstein Lithuania Luxembourg Madeira (P) Malta Martinique (F) Poland Portugal Reunion (F) Romania Slovakia Slovenia Spain Sweden Czech Republic Germany Hungary Austria Åland Islands (FIN)

Balearerne (Mallorca, Ibiza)(E)

Belgia

Bulgaria

Ceuta (E)

Kypros - den sydlige del

Danmark (inklusive Nordsjøen)

Kanariøyene (E)

Estland

Finland

Frankrike

Hellas

Guadeloupe (F)

Guyana (F)

Nederland (inklusive Nordsjøen)

Irland

Island

Italia

Kroatien

Latvia

Liechtenstein

Litauen

Luxembourg

Madeira (P)

Malta

Martinique (F)

Polen

Portugal

Reunion (F)

Romania

Slovakia

Slovenia

Spania

Sverige

Tsjekkia

Tyskland

Ungarn

Østerrike

Ålandsøyene (FIN)

Download insurance terms and conditions here