IF Skadeforsikring
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.
As a user of Hyre's services, the following terms apply:
- Terms of User
- Privacy Policy
- Terms for Renter
- Insurance Terms as described in this document
- Terms for current prices, fees and rules for reimbursements
What is insured?
- Car with an extra set of normal wheels, sum insured up to NOK 1,000,000
- Charging cable for electric cars and plug-in hybrids
- Safety equipment, e.g. child seats
- Fixed 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 the electrical system 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
- Damage to glass panels - shattering and cracks - as well as damage to glass roofs
- 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 damages resulting from a random, sudden, and external event
- Rental car for up to 10 days while your own car is in the workshop for repairs. The rental car must be arranged 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 panel/glass roof: NOK 2,000 (0,- deductible for damage from stone chips 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 Company will be able to demand recourse from the Renter. The most common cases are:
- Intent: damage caused intentionally by the owner or user
- Gross negligence
- Drunk driving
- Violation of a safety regulation (The insurance certificate lists the safety regulations that apply)
- Unauthorized use: using the vehicle on a closed track for purposes other than driving/driver's license training at an authorized traffic school, KNA, NAF, or MA
Important to know
Notification of damage
No bonus is accrued by having the car insured under this scheme. Therefore, there will also be no bonus loss in the event of damage.
Grossly negligent driving/recourse
Recourse may result in the Renter having to pay in whole or in part for damages caused to others than themselves, e.g. the other party's vehicle in the event of 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 + rental car cost), not the full deductible.
Deductible insurance
(Must be purchased separately before entering into an agreement) If the renter has purchased deductible insurance, the standard deductible is reduced to what is stated in the agreement.
