Film and photography equipment rented out on Hygglo is protected against sudden and unforeseen damage, theft, or loss during the rental period, either through Omocom’s insurance (Nordics) or the Hygglo Lender Guarantee (UK, US, Canada).

These items follow the same terms as the general protection, but with higher compensation limits.

Important disclaimer

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

As a lender, you 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

Where the protection comes from

Market	Type of protection	Provided by
Sweden, Norway, Denmark, Finland	Omocom All-Risk Insurance + Excess Compensation. Drones are handled through the Hygglo Lender Guarantee.	Omocom & Hygglo
United Kingdom, United States, Canada	Hygglo Lender Guarantee	Hygglo Ltd

What is covered

The protection for Film & Photo equipment includes:

Sudden and unforeseen damage resulting from external events
Theft during the rental period
Loss during the rental period
Damage to lenses, accessories and attached equipment listed in your item description
Drones and drone accessories
Rentals of up to 90 consecutive days
Bookings made and paid through Hygglo
Rentals involving private individuals or businesses
Compensation is based on the market value of the item immediately before the damage happened.
Coverage applies to the item and its listed accessories, up to the Film & Photo compensation limits.

Excess / self-risk

No excess applies for Film & Photo equipment.

Compensation limits

Film and photography equipment has higher compensation limits than general items.

These limits are the maximum amounts payable. This means they are not guaranteed payout amounts. The final compensation is still based on the item’s market value immediately before the damage and the applicable protection terms.

Film & Photo compensation limits by market

Market	Maximum compensation limit
Sweden, Norway, Denmark	Up to 100,000 SEK / NOK / DKK
Finland	Up to 10,000 EUR
UK, US, Canada	Up to £10,000 / US$10,000 / CA$10,000 per Film & Photography Rental Occasion

UK, US & Canada: how the Film & Photo limit works

For rentals covered by the Hygglo Lender Guarantee in the UK, US and Canada, the Film & Photo limit applies per Film & Photography Rental Occasion.

This means the £10,000 / US$10,000 / CA$10,000 limit does not apply separately to each individual item, listing, booking, rental day, invoice or claim.

Instead, the limit applies to the full rental occasion as a whole.

For example, if a borrower rents a camera, two lenses and accessories for the same rental period, the total Film & Photo guarantee limit is still up to £10,000 / US$10,000 / CA$10,000 for that rental occasion, not per item.

What is a Film & Photography Rental Occasion?

A Film & Photography Rental Occasion means all Film & Photo rentals, bookings, listings, item bundles, items and accessories involving the same people and the same, or substantially the same, rental dates.

This includes situations where the same lender, borrower, or related person uses more than one Hygglo account, or acts on behalf of another person.

In simple terms: the Film & Photo compensation limit applies to the rental occasion as a whole, not separately to each account, listing, booking, item, rental day, invoice or claim.

When can multiple bookings count as the same rental occasion?

Hygglo may treat several Film & Photo bookings as one Film & Photography Rental Occasion if:

The rental periods overlap
The start, handover, collection or return dates are the same or close together
The borrower keeps possession of Film & Photo equipment continuously across more than one booking
The bookings, listings or items appear to have been split, extended, staggered, rebooked or changed in order to get more than one compensation limit
The same lender, borrower, or related person uses several Hygglo accounts to list, rent, book or manage the same or connected Film & Photo rental

Splitting one rental into several bookings, listings, item bundles or accounts does not create several separate Film & Photo limits.

When are Film & Photo rentals treated as separate?

Separate Film & Photo rentals will not automatically be grouped together just because they involve the same lender and borrower.

They may be treated as separate if:

The first rental has ended
The items have been returned
The next rental is for a genuinely separate rental period
The bookings were not split, arranged or managed through multiple accounts to increase the amount payable under the guarantee
Hygglo does not consider the bookings to be connected, extended, rebooked, or arranged in a way that would make them part of the same Film & Photography Rental Occasion.

UK, US & Canada: other guarantee limits

The Hygglo Lender Guarantee has different limits depending on the type of item rented:

Item type	Maximum guarantee limit
Film & Photography equipment	Up to £10,000 / US$10,000 / CA$10,000 per Film & Photography Rental Occasion
Vehicles, including trailers	Up to £30,000 / US$30,000 / CA$30,000 per item
General items	Up to £3,000 / US$3,000 / CA$3,000 per item

For vehicles, trailers and general items, the limit applies per item.

These categories are not grouped into a Film & Photography Rental Occasion in the same way as Film & Photo items.

Adding a non-Film & Photo item to a rental does not increase, reset or duplicate the Film & Photo limit.

Excess compensation if your own insurance pays out

If your private insurance, such as home insurance, pays out for the damage, Hygglo or Omocom may reimburse your excess.

Market	Maximum excess compensation
Sweden, Norway, Denmark	Up to 10,000 SEK / NOK / DKK
Finland	Up to 1,000 EUR
UK, US, Canada	Up to £1,000 / US$1,000 / CA$1,000

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

Drones

Nordics

Drones are not covered under Omocom’s all-risk insurance, but they are covered under the Hygglo Lender Guarantee, up to the same Film & Photo compensation limits.

UK, US and Canada

Drones are covered under the Hygglo Lender Guarantee.

Territory limits

Nordics: Sweden, Norway, Denmark and Finland

Coverage applies only to incidents within the Nordic region.

UK, US and Canada

There is no general territorial limit. However, the borrower may only take the item abroad if:

You approve this before the rental starts, and
The approval is documented in the booking chat

If approval is not documented in the booking chat, coverage may be limited or declined.

What is not covered

The protection does not cover:

Normal wear and tear
Cosmetic marks that do not affect functionality
Pre-existing or undeclared damage
Manufacturing defects
Damage caused by poor maintenance
Damage or loss during postal or courier shipping
Intentional damage
Damage caused through gross negligence
Prohibited items
Rental periods longer than 90 days
Items taken outside the permitted territory
Items that fall under other category rules, such as vehicles or boats

Your responsibilities as a lender

Create an accurate listing

You must:

List all included accessories
Set a realistic item value
Make sure the equipment works properly before collection

Keep the item until the claim is completed

You must keep the damaged item, including any remaining parts, until the entire claims process is finished.

A claims handler may require additional documentation or a physical inspection.

Removing, repairing or replacing the item too early may affect compensation.

Cooperate with the claims handler

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

Information
Photos or videos
Proof of value
Access to the item if needed

Timely cooperation helps the claim move faster.

Respond promptly

Delays or incomplete information can affect the claim.

How to report damage, theft or loss

Contact Hygglo Support via messenger or email: info@hygglo.com

Include:

Booking number
A short summary of what happened

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

The market
The item category
Whether Omocom or Hygglo handles the claim

You may be asked to submit:

Photos or videos
Proof of value
A police report if theft is suspected
A detailed description of the incident

Important: Information sent to Hygglo Support is not automatically sent to Omocom or the Hygglo Resolutions Team. You must submit all documents directly through the claim form.