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 via Hygglo Lender Guarantee)	Omocom & Hygglo
United Kingdom, United States, Canada	Hygglo Lender Guarantee	Hygglo Ltd

What is covered (all markets)

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
Coverage applies to rentals of up to 90 consecutive days
Only valid when the booking is made and paid through Hygglo
Applies to private individuals and businesses
Compensation is based on the market value of the item immediately before the damage
Coverage applies to the item and its listed accessories, up to the Film & Photo compensation limits

Excess (self-risk)

No excess applies.

Compensation limits (varies by market)

Coverage limits for film & photo equipment

Film & photography equipment has higher compensation limits than general items. Compensation is based on the item’s market value immediately before the damage and capped at:

Sweden, Norway, Denmark: up to 100 000 SEK / NOK / DKK
Finland: up to 10 000 EUR
UK, US, Canada: up to 10 000 GBP / USD / CAD

Excess compensation (if your own insurance pays out)

If your private insurance (e.g., home insurance) pays out for the damage, Hygglo/Omocom may reimburse your 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 both all-risk coverage and excess compensation for the same damage event.

Drones (special note)

Nordics: Drones are not covered under Omocom’s all-risk insurance, but are covered under the Hygglo Lender Guarantee, up to the same film & photography limits.
UK, US, Canada: Drones are covered under the Hygglo Lender Guarantee.

Territory limits

Nordics (SE/NO/DK/FI)

Coverage applies only to incidents within the Nordic region.

UK, US, Canada

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

You approve it before the rental starts, and
This approval is documented in the booking chat

If not documented, coverage may be limited or declined.

What is not covered

Normal wear and tear or cosmetic marks that do not affect functionality
Pre-existing or undeclared damage
Manufacturing defects or poor maintenance
Damage/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 (e.g., vehicles, boats)

Your responsibilities as a lender

Accurate listing

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

Keep the item available until the claim is completed

You must retain 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 prematurely may affect 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 needed

Timely cooperation ensures a faster resolution.

Respond promptly

Delays or incomplete information can affect the claim.

How to report damage or loss

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

Include:

Booking number
Short summary of what happened

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

The market
The item category (Film & Photo)
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.