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How am I protected when I rent through Hygglo?

Updated over a month ago

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 insurances through our insurance partner Omocom, the Hygglo Vehicle Guarantee and the Hygglo Lender Guarantee.
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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:

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 (3 000 EUR). Film & photo: 100 000 SEK/NOK (10 000 EUR). Vehicles: 300 000 SEK/NOK/, 200 000 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
    ​

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

General insurance

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

Vehicle insurance

Coverage applies to damage, theft, or loss that occurs within the following countries:

  • EU and EEA countries

  • Albania, Andorra, Bosnia and Herzegovina, Monaco, Montenegro, North Macedonia, San Marino, Switzerland, Serbia

  • United Kingdom (including Isle of Man, Northern Ireland and Channel Islands)
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UK, US and Canada

There is no territorial limit.

Borrowers may take the item abroad only if:

  1. The lender clearly agrees before the rental begins, and

  2. 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.
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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.

Motor Vehicles (Sweden, Norway, Finland & Denmark)

Covered under the Omocom vehicle insurance.

  • Coverage up to:

    • 300 000 SEK / NOK for rentals in Sweden & Norway

    • 200 000 DKK for rentals in Denmark

    • 30 000 EUR for rentals in Finland
      ​

  • Excess for borrowers in Sweden & Norway

    • Cars, vans & light trucks: 5 000 SEK / NOK

    • Motorcycles & mopeds: 10 000 SEK / NOK
      ​

  • Excess for borrowers in Denmark

    • Cars, vans & light trucks: 3 500 DKK

    • Motorcycles & mopeds: 7 000 DKK
      ​

  • Excess for the borrower in Finland

    • Cars, vans & light trucks: 500 EUR

    • Motorcycles & mopeds: 1 000 EUR

  • Includes roadside assistance with no excess

  • Covers compensation if the vehicle cannot be returned normally

Note: Roadside assistance is not available for unregistered trailers, motorcycles and mopends.

Trailers (all markets)

  • Covered up to:

    • 300 000 SEK / NOK for rentals in Sweden & Norway

    • 200 000 DKK for rentals in Denmark

    • 30 000 EUR / GBP / USD / CAD for rentals in Finland, the UK, US, and Canada
      ​

  • Excess for the borrower:

    • 1 500 SEK / NOK for rentals in Sweden & Norway

    • 1 000 DKK for rentals in Denmark

    • 150 EUR / GBP / USD / CAD for rentals in Finland, the UK, US, and Canada
      ​

  • Includes roadside assistance with no excess

  • Nordics: covered under the Omocom vehicle insurance

  • UK, US, Canada: covered under the Hygglo Lender Guarantee

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

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

Campervans, caravans, and motorhomes

Sweden, Norway & Finland

These vehicles are covered by a Hygglo provided guarantee and is not included in the Omocom insurance offering. The protection is very similar to the Omocom vehicle insurance and offers protection up to 300, 000 SEK / NOK with an excess fee of 1 500 SEK / NOK (150 EUR) that the borrower is responsible for paying in case of damage or loss.


UK, US, Canada & Denmark

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

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:

  1. Tell the lender immediately. As soon as you notice damage, loss, or a problem with the item, inform the lender.

  2. The lender must submit the claim. All damage or loss claims must be filed by the lender, not the borrower.

  3. 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
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Need help?

Related Articles
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Hygglo Vehicle Insurance
Insurance terms for boats, jet skis, and heavy trucks
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Film & photo equipment – How your gear is protected
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