All items rented out on Hygglo are protected against sudden and unforeseen damage, theft, or loss during the rental period. The type of protection depends on the item category and market, and is provided through either Omocom’s all-risk insurance (Nordics), the Hygglo Lender Guarantee (UK, US, Canada), or the Hygglo Vehicle Guarantee.

The terms below apply to the item categories covered under the general protection, which includes most categories on the platform, such as tools, electronics, household equipment, instruments, outdoor gear, and similar items.

For the following categories, other terms apply. Please make sure to review their dedicated articles:

Important disclaimer

This article provides a summary of insurance and guarantee terms. It does not replace the full terms.

As a lender, it is your own responsibility to read, understand and comply with the complete terms that applies to your items.

Full terms:

Where the protection comes from

Market	Type of protection	Provided by
Sweden, Norway, Denmark, Finland	Omocom All-Risk Insurance + Excess Compensation	Omocom Försäkring AB
United Kingdom, United States, Canada	Hygglo Lender Guarantee	Hygglo Ltd

What is covered (all markets)

The general protection covers:

Sudden and unforeseen damage resulting from external events
Theft during the rental period
Loss during the rental period
Damage to accessories included in your listing (see full terms for compensation limits and exceptions)
Applies to rentals of up to 90 consecutive days
Only valid when the booking is made and paid through Hygglo
Protection applies to both private individuals and businesses as long as the rental is booked and paid through Hygglo
Applies to the item and its listed accessories, based on their market value immediately before the damage, and capped by the maximum compensation limits.

Excess (self-risk)

No excess applies to general items in any market.

Compensation (varies by market)

Coverage limits

Compensation is based on the item’s market value immediately before the damage, capped at the maximum amounts below.

Sweden, Norway, Denmark: up to 30 000 SEK / NOK / DKK
Finland: up to 3 000 EUR
UK, US, Canada: up to 3 000 GBP / USD / CAD

If your item has a higher value than the maximum compensation limit, you will need your own insurance to be fully covered.

Excess compensation (if your own insurance pays out)

If you have your own private insurance (e.g., home insurance) and that policy pays out, Hygglo/Omocom may reimburse the excess:

Sweden, Norway, Denmark: up to 10 000 SEK / NOK / DKK
Finland: up to 1 000 EUR
UK, US, Canada: up to 1 000 GBP / USD / CAD

Note: You cannot claim compensation from both the all-risk coverage and excess compensation for the same damage event.

Territory limits

Nordics (SE/NO/DK/FI)

Coverage applies only to damage, theft or loss that occurs within the Nordic region.

UK, US, Canada

No territorial limit, but the borrower may only take the item abroad if:

You clearly agree on this before the rental begins, and
The agreement is documented in the booking chat.

If this confirmation is missing, coverage may be limited or declined.

What is not covered (all markets)

Normal wear and tear or cosmetic marks
Pre-existing or undeclared damage
Manufacturing defects or poor maintenance
Items damaged/lost by postal or courier services
Intentional damage
Damage caused by gross negligence
Prohibited items (e.g., weapons)
Rental periods longer than 90 days
Items taken outside the allowed territory
Damage that did not occur during the rental period
Items that belong to categories with separate protection:
- Film & Photo Equipment (higher compensation limit)
- Vehicles & Trailers (covered by the Hygglo Vehicle Guarantee)
- Boats, Jet Skis & Heavy Trucks (excess compensation only in Nordics)

Your responsibilities as a lender

Accurate listing

Include all accessories
Set a realistic value
Ensure the item works properly before collection

Keep the item available until the claim is completed

If a claim is filed, you must keep the damaged item (or remaining parts) until the claims process is fully completed. The claims handler may request additional documentation or a physical inspection.

Removing or discarding the item before the assessment is finished may affect or void the compensation.

Collaborate with the claims handler

You must cooperate with Omocom or Hygglo’s Resolutions Team by providing:

Information
Photos/videos
Proof of value
Access to the item if required

Timely and accurate cooperation ensures a faster and fairer resolution.

Failure to cooperate may delay or affect the claim outcome.

Respond promptly

Delayed or incomplete information may affect the claim.

How to report damage or loss

To start a claim, contact our Support team through the messenger or by emailing us on info@hygglo.com.

Please include:

The booking number
A short description of what happened

Support will direct you to the correct claim form depending on:

The market where the rental took place
The category of the item
Whether Omocom or Hygglo handles the claim

When filling out the form, you may be asked to submit:

Photos or videos of the damage
A description of what happened
Proof of value, such as a receipt, quote or link
A police report if theft is suspected

Important:

Information shared with Hygglo Support is not automatically passed on to the claims handler. All required details must be submitted directly in the claim form.