Protector forsikring

Summary of Insurance Terms

Short-term insurance for motor vehicle hire. Applies to cars up to 3500 kg. When booking a car placed on the platform by Hyre, you buy insurance from Pareto directly as part of the price. Other car owners on the platform have insured their cars so that you receive the same terms as with Hyre's cars.

This is a summarized information about the insurance. For complete information about what the insurance covers, and which limitations apply, please refer to the link with the insurance terms at the bottom of this page.

The insurance applies to vehicles rented from Hyre and is for the benefit of the renter. The insurance applies for the same period as the rental period for the vehicle. The rental contract states the start and end date of the insurance.

You can choose different insurance coverages, and below is a presentation of the deductibles you must pay depending on which insurance you have purchased.

The deductible insurance is an insurance that reduces the costs that the car rental company can claim from you in the event of damage. One deductible is charged per damage incident. The coverage that applies to your specific insurance will be stated in the rental contract.

As a user of Hyre's services, the following terms apply:

1. Membership Terms
2. Privacy Policy
3. Terms for Renter
4. Insurance Terms as described in this document
5. Terms for current prices, fees and rules for reimbursements
6. Privacy Policy

What does the insurance cover?

Damage resulting from:

• Collision
• Theft/vandalism
• Fire, roadside assistance/towing
• Liability (Personal injury to driver and passenger, injury to persons outside the vehicle, damage caused to buildings and other objects, damage caused to other vehicles)

What excess must the Renter pay?

• Collision: NOK 12,000 (or NOK 2,000 when purchasing reduced excess)
• Theft/vandalism: NOK 12,000 (or NOK 2,000 when purchasing reduced excess)
• Fire, roadside assistance/towing: NOK 12,000 (or NOK 2,000 when purchasing reduced excess)

Tire and glass insurance

• Replacement/repair of tires, rim: NOK 2,000
• Exterior window panes, sunroof and glass roof: NOK 2,000 (deductible reduced to 0,- for damage from stone chips that can be repaired)

Roadside assistance excess

Your deductible for damage resulting from:

• Accidents, punctures, getting stuck and running off the road: NOK 500
• Jump-start assistance: NOK 500
• Empty tank / empty battery: NOK 500
• Lockout (up to 10,000,-): NOK 500

When taking out «Young driver"» the insurance is extended to apply to drivers under 23 years of age - see price list with price surcharge for young drivers under point 4.2 "Higher insurance price for drivers under 23 years".

What does the insurance not cover?

• Deductible 12,000, Deductible 2,000 and Young do not cover damage to the interior.
• Damage that occurs if the vehicle is used outside the geographical areas approved by the rental company
• Damage that occurs if the vehicle is driven by a driver other than the one approved by the car rental company
• Damage caused by driving in places that do not physically fit the vehicle in height, width, or length
• Damage in the event of a breakdown and damage to the engine resulting from misfueling
• Theft of vehicle with key

In these cases, you may lose the right to compensation, fully or partially, and you must pay a higher deductible or the full cost.

Are there any limitations in coverage?

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

• Damage occurring due to gross negligence or intent
• Damage that has occurred while driving without a valid driver's license
• Driving under the influence of drugs or alcohol
• Damage when participating in or practicing for speed races
• Damage to the motor vehicle during off-road driving
• Damage to the interior alone, without it occurring as a result of collision, running off the road, or vandalism.

In these cases, you may lose the right to compensation, fully or partially, and you must pay a higher deductible or the full cost.

Important to know

What are my obligations?

Always follow the insurance's and rental company's duty of care requirements and terms. If you have not followed these, you may receive lower or no compensation in the event of an incident, depending on how your lack of care affected the damage. These are some of the duty of care requirements:

• Always lock the car when you leave it.
• Keep the keys in a safe place and not near the car.
• The driver of the car must not cause damage due to intent or gross negligence.
• The driver of the car must always have a valid driver's license and must not be under the influence of alcohol, drugs, or other intoxicants.

See also Hyre's terms for renter.

When and where do I pay?

You must pay the full cost of the insurance to the car rental company before it takes effect. This is done when creating the rental agreement.

When does the insurance start and end?

The insurance applies for the same period as the rental period for the vehicle. The rental contract states the start and end date of the insurance.

How do I terminate the agreement?

You can cancel the insurance with the rental company before the rental period starts. If the rental period has begun, you cannot cancel the insurance.

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.

Reduced deductible insurance

Must be purchased separately upon entering into the agreement. If the renter has purchased deductible insurance, the standard deductible is reduced to what appears in the agreement.

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

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

Download insurance terms here