Insurance Terms

The rented vehicle is covered by third-party liability and comprehensive insurance provided by Hyre or the vehicle owner.

The insurance coverage and its limitations are described below. Should you have any questions or wish to submit a complaint, please contact Hyre’s customer service at hej@hyre.dk or +45 5251 2699.

What is insured?

The passenger car or van specified in the rental agreement.

What is the scope of the insurance coverage?

Statutory Third-Party Liability Insurance

The insurance covers the renter’s liability for damage arising from the use of the vehicle as a motor vehicle in accordance with the provisions of the Danish Road Traffic Act, including:

• Personal injury
  • to persons outside the vehicle
  • to passengers in the vehicle
• Property damage
  • to buildings and other property
  • to other vehicles

Comprehensive and Fire Insurance

The insurance covers the vehicle specified in the rental agreement.

• Comprehensive insurance
  • Damage to the vehicle itself, including collision damage and vandalism
• Fire damage
  • Including explosion, short circuit or lightning strike
• Theft and robbery
  • Theft of the vehicle itself and theft of permanently installed equipment from the vehicle
  • Damage to the vehicle resulting from an attempted theft of the vehicle
• Glass – repair of stone chips and replacement of the windscreen
• Roadside assistance in connection with a covered claim

The following are also covered:

• Standard tools, including the charging cable for an electric vehicle
• Additional equipment up to DKK 15,000 (including safety equipment such as a child seat)
• Transportation of the vehicle to the nearest repair facility following damage
• Personal luggage belonging to anyone other than the renter or driver, up to DKK 15,000

What does the insurance not cover?

In certain cases, the insurance company may reject a claim in full or in part and seek recovery from the renter. The most common cases are:

• Intentional acts – damage caused intentionally by the renter
• Gross negligence
• Driving under the influence of alcohol
• Reckless driving
• Providing incorrect information

Furthermore, the insurance does not cover:

• Driving on a racetrack
• Transportation of goods for payment
• Passenger transport (including Uber, taxi services and similar activities)
• Subletting the vehicle by the renter to a third party
• Fines, etc.
• Natural disasters, war, etc.

Important information

Reporting a claim

The renter must report any damage through the service provider’s website or app. The service provider will forward the claim to the insurance company.

Claims history and loss of no-claims bonus

No claims-free history is accrued by driving the vehicle. Consequently, there will be no loss of a no-claims bonus in the event of a claim.

Damage below the excess amount

For minor damage where the total cost is below the excess amount, the renter will only be charged the total actual cost, including repair costs, replacement vehicle costs, administrative costs and fees, rather than the full excess amount.

What is the renter’s excess under the vehicle rental regulations?

• Third-party liability claims: DKK 5,000 per claim
• Comprehensive and fire claims: DKK 5,000 per claim
• Theft and robbery claims: DKK 5,000 per claim
• Glass claims: DKK 5,000 per claim (DKK 0 excess for repairable stone-chip damage)
• For a combined claim, only one excess will be charged per incident

The renter’s excess may be lower if a reduced excess was purchased as part of the booking or if the renter has purchased a subscription that includes a reduced excess.

Insurance coverage outside of the Nordics

The following areas are covered:

Albania, Andorra, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Denmark, Estonia, Finland, France, Greece, Ireland, Iceland, Italy, Croatia, Cyprus, Latvia, Lithuania, Liechtenstein, Luxembourg, North Macedonia, Malta, Morocco, Moldova, Montenegro, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, the United Kingdom, Serbia, Switzerland, Sweden, Czechia, Tunisia, Turkey, Germany, Ukraine, Hungary and Austria.