When you rent out a vehicle through Hygglo in Sweden, Norway, Finland, or Denmark, it is primarily covered by our vehicle insurance provided by our insurance partner Omocom. This article outlines what the insurance includes, the coverage limits, excess amounts, and the key terms you need to follow for the insurance to be valid.

This insurance provides security for both the owner and the renter, covering theft, damage, breakdowns, and unexpected events during the rental period.

Find more information about excluded vehicles here.
Find more information about vehicle rentals in the UK, US and Canada here.

Important disclaimer

This article is a simplified overview. The full insurance terms apply, and it is the lender’s responsibility to read and comply with them.

Full terms:

What types of vehicles are covered?

Covered in all markets (SE / NO / DK / FI):

Passenger cars and minibuses
Vans and light trucks
Trailers and boat trailers
Motorcycles and mopeds

Shared rules:

Max total weight: 3,500 kg
Max mileage (cars and vans): 300,000 km

What's included in the insurance?

Coverage for damage, theft, loss, and accidents
Roadside assistance 24/7 (conditions vary by country)
Reimbursement for travel costs if driver/passengers stranded
Vehicle retrieval costs if recovery from another location is needed

Personal belongings are not covered in any country.

Traffic-related damages (Third-party liability)

Traffic accidents involving third-party damage (e.g. another vehicle, person or property) must always be reported to the vehicle’s mandatory traffic insurance.

Hygglo’s vehicle insurance will reimburse the excess from your traffic insurance, up

to:

10 000 SEK (Sweden)
10 000 NOK (Norway)
7 000 DKK (Denmark)
1 000 EUR (Finland)

This insurance does not directly cover third-party liability. This is always handled by the vehicle’s regular traffic insurance.

Coverage limits and excess

Vehicle Type	Max Payout	Excess (borrower pays)
Cars & light trucks	SE/NO: 300 000 kr DK: 200 000 DKK FI: 30 000 EUR	SE/NO: 5 000 kr DK: 3 500 DKK FI: 500 EUR
Trailers	SE/NO: 300 000 kr DK: 200 000 DKK FI: 30 000 EUR	SE/NO: 1 500 kr DK: 1 000 DKK FI: 150 EUR
Unregistered trailers	SE/NO: 30,000 kr DK: 20,000 DKK FI: 3,000 EUR	SE/NO: 1 500 kr DK: 1 000 DKK FI: 150 EUR
Motorcycles & mopeds	SE/NO: 300 000 kr DK: 200 000 DKK FI: 30 000 EUR	SE/NO: 10 000 kr DK: 7 000 DKK FI: 1 000 EUR

Roadside assistance

Provided by:

RedGo (SE, NO, FI)
Falck (DK)

See contact details in the insurance terms.

Includes help with:

Flat tyre
Battery issues (jump-start)
Lockouts
Breakdown transport
Delivery of repaired vehicle

There is no excess for roadside assistance.

Note: Not available for unregistered trailers, mopeds or motorcycles.

When is the insurance valid?

It only applies if:

The rental is booked via Hygglo
The vehicle is in legal, roadworthy condition
The vehicle has valid traffic insurance (if required)
The vehicle is not under a driving ban
Only the person who booked it via Hygglo is allowed to drive
The renter is 23+ years old
The renter has held a valid licence for at least 2 years
The licence is issued in the EEA, UK or Switzerland
The renter is a resident of EEA, UK or Switzerland
The renter can provide a passport or national ID
The owner does not use the vehicle during the rental

Note: A different driver requires the booking to be cancelled and rebooked in that person’s name.

Where is the insurance valid?

Valid in and between:

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)

Not valid in British overseas territories

What is not covered?

Cosmetic wear (scratches, superficial damage)
Pre-existing damage
Poor maintenance-related damage (low oil, overheating, rust, etc.)
Fuel loss, wrong fuel, or empty tank
Stunt driving, racing, illegal use
Third-party liability (see above)
Damage caused by rodents or weather (e.g. cold, moisture)
Unregistered mopeds/motorcycles used on public roads (FI-specific)
Income loss or loss of use
Personal items inside the vehicle
Vehicles over market value limit without tracking device
- SE/NO: >500,000 kr
- DK: >350,000 kr
- FI: >50,000 EUR

Vehicles not covered by the vehicle insurance

Some vehicles listed on Hygglo are not covered by the vehicle insurance. However, they may still be protected under either the Hygglo Vehicle Guarantee or the general insurance, depending on the type of vehicle and the country where the rental takes place.

Covered by the Hygglo Vehicle Guarantee

Caravans
Campervans
Motorhomes

Important: These vehicle types are not covered by any insurance or guarantee in Denmark. As a result, they cannot be rented out in the Danish market.

Read the full terms of the Hygglo Vehicle Guarantee here:

Covered by the general insurance

Quad bikes
ATVs
Snowmobiles
Heavy trucks
Boats

For full details on what’s included in these protections, see this article.

What applies in the UK, US and Canada?

In UK, US and Canada, you are currently only allowed to rent out trailers. The coverage for UK, US and Canada is provided through our Lender Guarantee.

Coverage limits and excess

Coverage: up to 30 000 GBP / USD / CAD
Borrower excess: up to 150 GBP / USD / CAD

Other vehicles, such as vans, light commercial vehicles, motorhomes, caravans, snowmobiles, mopeds, quad bikes, and motorised machinery, may not be rented out in these markets and are not covered by any insurance or guarantee.

Roadside assistance is included where applicable and carries no excess.