Summary of Insurance Terms

Our cars are fully insured through If Skadeförsäkring, meaning the insurance includes traffic, collision, and partial coverage, providing comprehensive protection during the rental period.

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

Insurance coverage:

The insurance is valid throughout the Nordic region and other countries in the Green Card area (excluding Iran, Morocco, and Tunisia).

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

Traffic Insurance:Covers personal injuries to the driver, passengers, and others outside the vehicle. It also covers damage to other people’s property, such as when you hit another vehicle or a guardrail.
Fire:Compensation for damage to the car due to fire, lightning, explosion, or short circuit.
Theft:Compensation if the car is stolen and for damage after a break-in or theft attempt. It also includes counseling services in case of car robbery or theft of the car key. Equipment and accessories typical for cars are also covered.
Rescue/Towing:Towing the car to a workshop after an accident, theft, or other stoppages. Costs for returning the driver, passengers, and personal luggage are also included.
Legal Protection:Covers legal fees up to 250,000 SEK in disputes related to vehicle ownership.
Glass:Covers the repair or replacement of broken or cracked windows.
Misfuelling:Covers up to 100,000 SEK for cleaning and direct damage caused by misfuelling against the manufacturer's instructions.
Mechanical and Electronic Damage:Covers sudden malfunctions affecting the car’s operation, such as the engine, electronics, gearbox, and drivetrain.
Collision Damage:Our cars have collision damage guarantees. If this is not valid, our insurance still covers damage caused by accidents or vandalism, including damages from external events like a tree falling on the car.

Important insurance limitations

The insurance does not apply in certain situations, and there are safety regulations specifying how to minimize the risk of damage. If these instructions are not followed, compensation may be reduced by a specific deduction, or in some cases, no compensation will be paid. Other limitations also exist. Please refer to the full terms for details on applicable safety regulations for each type of damage.

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.
The maximum compensation from the insurance (excluding traffic insurance) is 4 million 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'):

Collision damage: 9,000 SEK
Traffic accident: 9,000 SEK
Theft: 9,000 SEK
Glass: 9,000 SEK (0 SEK for repairable stone chip damage)
Rescue: 9,000 SEK
Misfuelling: 6,000 SEK (if no mechanical damage occurred)

If self-risk reduction insurance is purchased, the deductible will be reduced according to the terms in the contract.

If the driver is under 25 years old, an additional deductible of 1,000 SEK applies. The deductible may be higher if the damage is caused by a traffic offense. In the event of a traffic accident where the driver is found liable and claims are made by third parties (so-called recourse), two deductibles may need to be paid: one for the damage to the rented car and one for the third-party claim.

Self-risk (Självrisk) reduction

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

The terms can be found here