Every rental on Hygglo includes protection against damage, theft, or loss. The exact coverage depends on which market you rent in and what type of item it is.

Hygglo offers this protection through a combination of Omocom Insurance, Hygglo Vehicle Guarantee and the Hygglo Lender Guarantee.

Disclaimer

This article provides a summary of the protection terms. It does not replace the full terms.

Users are responsible for reading, understanding, and complying with the complete terms that apply in your market.

Full terms:

Sweden: Försäkringsvillkor
Norway: Fullstendige forsikringsvilkår
Denmark: Fuldstændige forsikringsbetingelser
Finland: Täydelliset vakuutusehdot
UK, US & Canada: Lender Guarantee

Overview by market

Market	Type of protection	Coverage limit	Provided by
Sweden, Norway, Denmark, Finland	Omocom Insurance, Hygglo Vehicle Guarantee & Lender Guarantee	General items: 30 000 SEK/NOK/DKK (3 000 EUR). Film & photo: 100 000 SEK/NOK/DKK (10 000 EUR). Vehicles: 300 000 SEK/NOK/DKK (30 000 EUR).	Omocom Försäkring AB (insurance) & Hygglo (platform)
United Kingdom, United States, Canada	Hygglo Lender Guarantee (platform funded)	General items: 3 000 GBP/USD/CAD. Film & photo: 10 000 GBP/USD/CAD. Trailers: 30 000 GBP/USD/CAD.	Hygglo Ltd

What is included

For all rentals (all markets)

Protection against sudden and unforeseen damage, theft, or loss during a confirmed rental period
Coverage applies only for bookings made through Hygglo
Only verified borrowers are eligible for protection — your verification must be fully approved before the rental starts
No excess for general items
Excess applies only for vehicles and trailers
If the lender’s own insurance pays out, the lender may receive excess compensation up to 10 000 SEK / NOK / DKK or 1000 EUR / GBP / USD / CAD

Rental period limit (all markets)

Insurance and guarantee coverage apply for rentals of up to 90 consecutive days.

Longer rental periods are not covered, even if the booking is approved on the platform.

Territory limitation

Sweden, Norway, Denmark and Finland

Coverage applies only to damage, theft, or loss that occurs within the Nordic region. If the incident happens outside the Nordic region, the insurance or guarantee does not apply.

UK, US and Canada

There is no territorial limit.

Borrowers may take the item abroad only if:

The lender clearly agrees before the rental begins, and
This agreement is documented in the booking chat.

If this confirmation is missing, coverage may not apply.

Coverage by item type

General items

Covered up to:
- 30 000 SEK / NOK / DKK for rentals in Sweden, Norway, Denmark
- 3 000 EUR for rentals in Finland
- 3 000 GBP / USD / CAD for rentals in the UK, US, and Canada
No excess applies

For full details, please see the dedicated article for this category.

Film and photo equipment

Covered up to:
- 100 000 SEK / NOK / DKK for rentals in Sweden, Norway, Denmark
- 10 000 EUR for rentals in Finland
- 10 000 GBP / USD / CAD for rentals in the UK, US, and Canada
Includes cameras, lenses, drones, and related accessories
No excess applies

For full details, please see the dedicated article for this category.

Vehicles (Sweden, Norway, Finland)

Covered under the Hygglo Vehicle Guarantee.

Coverage up to:
- 300 000 SEK / NOK for rentals in Sweden, Norway
- 30 000 EUR for rentals in Finland
Excess for the borrower:
- 1 500 SEK / NOK for rentals in Sweden, Norway
- 150 EUR for rentals in Finland
Includes roadside assistance with no excess
Covers compensation if the vehicle cannot be returned normally

Trailers (all markets)

Covered up to:
- 300 000 SEK / NOK / DKK for rentals in Sweden, Norway, Denmark
- 30 000 EUR for rentals in Finland
- 30 000 GBP / USD / CAD for rentals in the UK, US, and Canada
Excess for the borrower:
- 1 500 SEK / NOK / DKK for rentals in Sweden, Norway, Denmark
- 150 EUR for rentals in Finland
- 150 GBP / USD / CAD for rentals in the UK, US, and Canada
Includes roadside assistance with no excess
Nordics: covered under the Hygglo Vehicle Guarantee
UK, US, Canada: covered under the Hygglo Lender Guarantee

Please note: Cars, motorcycles, and minibuses are currently not permitted on Hygglo.

For full details, please see the dedicated article for this category.

Boats, jet skis, and heavy trucks

Nordics (Sweden, Norway, Denmark, Finland)

These vehicles are not covered by all-risk insurance and therefore do not have the same protection as general items.

Coverage works like this:

The lender must have their own insurance (boat/vehicle insurance)
If the lender’s insurance pays out, Omocom can reimburse the excess up to 10 000 SEK/NOK/DKK (1 000 EUR)
No all-risk component applies

UK, US, Canada

These items are not allowed on Hygglo in these markets and are therefore not covered.

For full details, please see the dedicated article for this category.

Responsible use

All items rented through Hygglo must be handled responsibly. Coverage does not apply in cases of clear carelessness, such as misuse, neglecting to secure an item, or leaving it unattended in a public place. In such situations, the borrower will be held responsible for compensating the lender for any resulting loss or damage.

What is not covered

Applies to all markets.

Normal wear and tear or minor cosmetic marks.
Cash, jewellery, alcohol, tobacco or live animals.
Pre-existing damage, manufacturing faults or poor maintenance.
Loss due to careless packaging or handling.
Items lost or damaged by couriers or postal services.
Damage caused intentionally or through gross negligence (the borrower remains responsible).
Third-party liability or personal injuries (covered by mandatory vehicle insurance when applicable).

How to report damage or loss

If something happens during your rental, please follow these steps:

Tell the lender immediately. As soon as you notice damage, loss, or a problem with the item, inform the lender.
The lender must submit the claim. All damage or loss claims must be filed by the lender, not the borrower.
You may be asked for more information. Once the claim has been started, either Omocom or Hygglo’s Resolutions Team may request additional details from you, such as:
- A description of what happened
- For vehicles: information needed to process the excess