liability, collision, and comprehensive insurance
The "third-party" liability coverage — i.e.,
"international green card" insurance — covers the driver with up to
EUR1,000,000 per accident. The collision-damage
deductible is EUR2400 per occurrence. The comprehensive-damage (i.e., fire,
natural disaster, vandalism) deductible is also EUR2400 per
occurrence. The theft-of-vehicle deductible equals 20 percent of the
vehicle's value. Damage to the roof of the camper, to the tires or to
the windows is not covered.
Damage caused by frost is not covered, nor is interior damage,
nor damage due to gross negligence.
Damage to vehicle occupants is not covered; i.e., personal accident
insurance is not included and it is not made available. The cost of
all the above-mentioned, included insurance is woven in to the total price calculated
by the IdeaMerge online reservation software.
Two collision-damage waivers (CDWs) are available as options:
As for additional drivers, the charges are as follows:
A security deposit will be held in two senses, as follows.
Upon pick-up an imprint will be made of the client's credit card
(Visa, MasterCard, American Express, or Diners Club). However,
no amount will be associated with this imprint upon pick-up and the
imprint will be destroyed upon return (i.e. no amount will then be added
to it and it will not then be finally charged)
provided that the cost of damages
to the vehicle (plus parking tickets and the like) does not exceed the
insurance deductible. Moroever, to cover themselves with respect to this
deductible, the vendor will upon pick-up authorize a single charge onto
the client's credit card, the amount of that charge being equal to a
single full insurance deductible (which depends on the insurance option
chosen by the client).
Therefore, we emphasize, the client's credit limit on this card should be
commensurate with this deductible amount and of course with the amount
the client plans to charge on the card during the rental.
Naturally this single charge will be appropriately credited back to the
client's card (i.e. in full or in part or not at all, depending on the
aforementioned cost of damages and parking tickets and such) upon return
of the vehicle.
Each additional driver must present their own credit card upon the pick-up occasion. For security purposes the vendor will make an imprint of each such additional card.
The insurance is effective throughout the entirety of Europe —
Western (including Scandinavia) and Eastern, and the UK and Ireland —
except for regions experiencing general and violent political crisis.
You are welcome to transport your rented vehicle by ferry
and/or the Channel Tunnel.
However, if you plan to take the vehicle to countries outside Scandinavia,
you must list these countries upon placing a reservation.
Special terms apply to the coverage in the Baltic States, Belarus, Russia, and Poland:
relative to these countries the collision and comprehensive insurance
deductibles cannot be reduced as described above, and the theft-of-vehicle
insurance deductible is a full 20 percent of the vehicle value, and the
client must stay inside the vehicle from 8 pm to 6 am for this theft
insurance to be effective.
The vehicle should be returned reasonably clean on the inside (i.e.
requiring less than 2 hours of labor by the vendor), with empty gray
water tank and septic tank. Failure to comply with this rule entails
a cleaning surcharge of EUR150 and a labor charge of EUR60 or more per hour. However, you can purchase up front
for EUR147 a waiver that frees you of responsibility in this respect.
Any damage intentionally or negligently caused by a rental vehicle tenant (i.e. member of the rental party) or other welcomed occupant of the vehicle
— especially as a consequence of said person's consumption of drugs
or alcohol — is not covered under the terms of the insurance.
The same exclusion shall hold for all damages caused to the roof (e.g. damages caused by tree branches)
or damages caused by ignoring height-of-passage warning signs.
Further, the renter shall be fully liable, despite the agreed limitation of liability, for all damage caused
by the driver's or another tenant's failure to observe the vehicle dimensions (especially vehicle height and width),
by improperly heavy or large loads in/on the vehicle (i.e. exceeding the engineered or legal capacity of the vehicle),
by improper loading and unloading actions performed to load the vehicle,
or by driving the vehicle backwards without being appropriately directed by someone outside the vehicle.
Regarding the aforementioned "failure to observe vehicle dimensions" exclusion especially,
please understand that damages to the sides, the front or the rear part of the vehicle are of course not generally excluded from the included insurance coverage.
Rather, said exclusion pertains to the following situations, among others.
In road construction areas on most highways in Europe the left lane is regularly limited to a vehicle width of 2 meters
or less (indicated by signs). If the client ignores that limitation and uses said lane, he/she may be liable for the full damage of the rental vehicle;
damage to other vehicles is covered by said third party insurance.
Similarly, some road toll plazas (in Italy and France especially) have certain lanes for passenger cars only; there are signs indicating the maximum width; the
the client is fully liable for damages if he/she ignores those signs. …
In the case of a renter who has unlawfully left the scene of an accident or
neglected his or her duties (as described below under "in the
event of an accident"), he or she is also fully liable unless such
violation played no part in causing the damage. The renter is also liable
to an unlimited amount for any damage caused by an
unauthorized driver operating the vehicle,
for allowing the vehicle to participate in forbidden purposes,
and for decidedly cruel or unsual driving practices.
The rental company will provide damage-repair invoices to the customer upon
request.
authorized drivers
The vehicle may be driven only by the renter or by the additional,
qualified drivers
specified in the rental contract.
The minimum age limit for renters and other drivers
is only 18 years; there is no maximum age limit.
However, said drivers must have possessed a valid driving
license for at least one year immediately prior to the pick-up date.
Most domestic licenses suffice for operation of the vehicles presented on
the IdeaMerge Website. Where this statement is questionable, our online
software will elaborate.
Presently all the vehicles IdeaMerge represents as available for pick-up
in Scandinavia weigh less than the crucial 3500 kg.
See our "Resources" page for a discussion of the international driving permit,
which is required by the Austria, Czech Repbulic, Italy, Portugal, and Spain.
forbidden use
The rental company does not allow the vehicle to participate in
motor sport events and vehicle tests; in the transport of inflammable,
poisonous, or otherwise hazardous materials; in the committion of revenue
offences and other illegalities, even if these are only punishable under
the laws of pertaining to the place of the offence; in subletting; and
in other kinds of utilization beyond the contractually agreed use,
especially in regard to physical locations not suited to driving.
The vehicle is to be handled in a careful and proper manner and must
always be properly locked. The relevant instructions for use, the technical
specifications, as well as the maintenance periods must be observed.
The renter is obliged to check regularly whether the vehicle is in a
roadworthy condition.
It is forbidden to smoke in the vehicle. The penalty for
violation of this rule is EUR850.
It is forbidden to keep animals in the vehicle. The penalty
for violation of this rule is EUR400.
breakdown cover, and insurance
For starters, the fleet of vehicles is modern, under warranty,
and frequently upgraded. The customer is responsible for checking
engine oil, fluids, and coolant levels at each refueling, as well as
reporting mechanical failures immediately. Instructions and
procedures for maintenance expense reimbursement are provided upon
pick-up. Kilometers driven in order to secure a vehicle repair are
exempt from the rental kilometers, but the client is required to travel with
their rental vehicle to the closest repair location stated by the vendor.
Customers may be held responsible for mechanical damage that is
due to negligence in vehicle operation or failure to provide normal
maintenance. In the event the vehicle is in breakdown repair through no fault of the customer, the vendor's responsibility to
refund the customer for lost time is limited according to the following matrix.
in the event of an accident
After a vehicle accident, fire, damage caused by theft, or damage caused by colliding
with wildlife, the renter must inform the local police and
the rental company headquarters (in Helsinki) without unnecessary considerable delay.
The headquarters in Helsinki can be reached at
(+358) 9 870 1411, fax (+358) 9 821 339.
(Drop the country code if calling from within Finland.)
In all cases of damage, the renter must immediately inform the rental company
headquarters in Helsinki by phone and submit a detailed written report,
including a sketch of the accident situation(s).
The accident report must include
the license numbers of the vehicles involved, the names and addresses of
the persons involved (including any witnesses), and it must be signed by
both parties.
If the renter expects that the cost to repair the damage will exceed the
relevant deductible, or if the vehicle is not fully roadworthy as a result
of the accident, the renter must immediately inform the rental company of
this (or these) fact(s).
warning
Although motor travel in Europe is not generally considered prohibitively dangerous, there are, of course, associated risks — including death. For quantitative measures of these risks, please see the Association for Safe International Road Travel (ASIRT) http://www.asirt.org.
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