Insurance that protects you and lowers your costs

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1 Insurance that protects you and lowers your costs Information prior to and after purchase This is a brief description of the policy. You can find full details in the policy terms and conditions, which can be downloaded from trygghansa.se/hertz.

2 Sidan 4 I Olycksfall 55+ Insure yourself for a safe journey In order for you to have as effective cover as possible when you rent a car, we offer a range of policies to make your journey safer. Well-chosen insurance cover lowers your costs and provides you with extra help in the event of an accident. A brief description of the policies now follows. Full terms and conditions are available at Lower your costs A rental car is insured against accidental damage, fire and theft, just like a private car. The difference is that the excess on a rental car is significantly higher. In some cases, it amounts to the entire value of the vehicle. For this reason, it is wise to take out insurance that lowers or completely eliminates your costs if something happens. Insurance that lowers excess (CDI and TPI) The excess you pay if the car is stolen, vandalised or you are involved in a collision is SEK 15,000. Theft Protection Insurance (TPI) lowers your costs to SEK 5,000 if the car is stolen or vandalised. If the car is stolen using the key, however, the cost is SEK 100,000. Insurance that completely eliminates excess (SCI) Super Cover Insurance (SCI) completely eliminates your costs if you damage your hire car. For SCI to be valid, you must have complied with the general rental terms and conditions and have taken out TPI and CDI. If the car is stolen using the key, neither TPI nor SCI are valid. If you also add Collision Deductible Insurance (CDI), you lower your costs to SEK 5,000 if you are involved in a collision. To take out CDI, you must also take out TPI.

3 Sidan 5 I Olycksfall 55+ Your costs on damage or loss Without insurance If you take out TPI If you also take out CDI For theft/attempted theft/ robbery, vandalism SEK 15,000 SEK 5,000 SEK 5,000 SEK 0 Road traffic damage/injury, 3rd party damage/injury SEK 5,000 SEK 5,000 SEK 5,000 SEK 0 Fire SEK 15,000 SEK 15,000 SEK 5,000 SEK 0 Glass SEK 10,000 SEK 10,000 SEK 5,000 SEK 0 Legal expenses SEK 15,000 SEK 5,000 SEK 5,000 SEK 0 Vehicle recovery/salvage SEK 15,000 SEK 5,000 SEK 5,000 SEK 0 And if you take out SCI Theft using key SEK 100,000 SEK 100,000 SEK 100,000 SEK 100,000 A surcharge of SEK 2,000 is payable for drivers under 25. Please note that none of the policies are valid in the event of theft using a key. Extra cover for you, your passengers and your belongings (PAI) This Personal Accident Insurance (PAI) is valid in the event of a road traffic accident and is made up of two components: personal cover with accidental injury and medical costs insurance luggage insurance that covers personal belongings to a value of max. SEK 10,000. Accidental injury and medical costs insurance provides rapid access to advanced private medical care and operations following a doctor s referral. You can also be indemnified for permanent physical injuries up to a maximum of SEK 500,000; this is known as invalidity benefit. The policy also includes whole life insurance amounting to SEK 50,000. The insurance is valid without being subject to excess. The highest amount payable for private medical care is SEK 2,000,000 per insured event. The period during which costs for care are indemnified is two years from the date of the road traffic accident. New! Minor accidents can also be trying, especially when you have caused them yourself. For example, filling a diesel car with petrol, or tearing the roof of the coupé when loading the vehicle. Comprehensive insurance is now included in PAI and indemnifies you in the following cases: Filling the vehicle with the wrong fuel if you fill the vehicle with the wrong fuel by mistake, the cost of cleaning out the tank and towing it to the nearest workshop is indemnified. However, no mechanical damage occurring as a result of this is indemnified. Highest claim amount: SEK 5,000. Coupé damage damage occurring due to a sudden, unforeseen event in the vehicle coupé caused by you, the driver or a fellow passenger. Highest claim amount: SEK 5,000. Lost car keys if the keys to the hire car are lost or stolen, costs for recoding and a new key are indemnified.. No indemnity is made for any consequential damage/loss. Highest claim amount: SEK 5,000.

4 Sidan 6 I Olycksfall 55+ More information on the policies Who can take out the insurance? The policyholder and insured party is the person who took out the excess reduction insurance when hiring the vehicle from Hertz. To take out insurance, you must be 19 years of age and have held a driving licence for one year. When registering additional drivers, these persons must also meet the above requirements. In order to obtain access to private medical care under the medical costs insurance in PAI, you must either be registered in the Swedish population register or gainfully employed in Sweden and living in one of the Scandinavian countries. Drivers under 25 An excess for young drivers of SEK 2,000 is payable for drivers under 25. Where the insurance is valid The insurance is valid in Sweden. The insurance is also valid in what are known as Green Card countries, provided that the rental agent has issued its written approval. However, medical costs insurance only applies to medical care in Sweden. The insurance does not cover TPI, CDI, SCI To be indemnified correctly, you must comply with certain requirements under the duty of care. Otherwise, the amount paid may be reduced, or no payment may be made at all. Damage arising from the car being used in a cordoned-off racing area or for races, displays or while driving at speed in circumstances similar to a race. The insurance is not valid on any part of the race track. Damage arising from driving on a frozen watercourse or lake. This does not apply, however, if the vehicle is driven on an ice road for which the Swedish Transport Administration is responsible. Downtime resulting from the vehicle being filled with the wrong fuel, or a lack of fuel.. If the driver is under the influence of alcohol, or drives without the requisite valid driving licence. If the driver is personally responsible for the damage, deliberately or due to gross negligence. Accidental injury insurance (within PAI) Loss of income. Costs in the event of illness. Dental injuries caused by chewing or biting; only dental injuries that arose as a result of the accident are indemnified. Costs indemnified by other insurance under separate legislation or statute,

5 Sidan 1 I Olycksfall 55+ international convention, collective agreement or another institute of remuneration, for which a claim can be made for the insured event. Medical costs insurance (within PAI) A deterioration in health if this deterioration according to medical experience would probably have occurred even if the accidental injury had not. Treatment that does not relate to the expected normal course of recovery after an accidental injury. Dental treatment. Alternative forms of treatment that are have no basis in science and tried-and-tested experience. Such deterioration in health that according to medical experience results from the abuse of alcohol, narcotics, other intoxicants, sleeping drugs, doping preparations or other pharmaceuticals. Costs incurred by Trygg-Hansa when the insured does not attend an appointment with a healthcare provider or cancels such an appointment at too late a stage. Trygg-Hansa reserves the right to demand that the insured repays such costs. Injuries arising from the insured carrying out or participating in deliberately criminal activities that can lead to a custodial sentence under Swedish law. Injuries arising from taking part in competitions or training with motor vehicles. Comprehensive insurance (within PAI) Damage caused by animals. Mechanical damage caused by the vehicle being filled with the wrong fuel. In the event of damage/ loss/injury If you are involved in a road traffic accident, are subject to theft or other damage/loss/injury, you must report this to the rental agent immediately. Parking damage, hit-and-run accidents, theft and collisions with animals must also be reported to the police. Obtain any witness accounts and details immediately. In the case of road traffic accidents in which personal injury is feared, contact SOS Alarm on 112. Important to remember Examine the hire car for any damage or faults before driving off and inform the rental agent if you identify any damage or faults. Store bags and other personal belongings so that they cannot damage the vehicle. Always lock the vehicle when you leave it and do not leave the key unattended.

6 Sidan 2 I Olycksfall 55+ Good to know Insurer The insurer for this policy is Codan Forsikring A / S, through Trygg-Hansa Försäkring filial. The regulator is the Danish Financial Supervisory Authority. If you are not satisfied Contact us and we will try to resolve with the matter. If we are unsuccessful, you can appeal to Trygg-Hansa s insurance board or the Swedish National Board for Consumer Disputes. You can also ask a general court to hear the dispute. In such case, you may benefit from policies that include legal expenses insurance. If you have legal expenses insurance with Trygg-Hansa or another insurance company in our Group, this may entitle you to compensation for costs for legal representation in connection with the dispute, even if Trygg-Hansa is the counterparty. The agreement is subject to Swedish law. How we handle your personal data Trygg-Hansa Försäkring filial ( Trygg-Hansa ) is the controller of your personal data under the Swedish Personal Data Act (1998:204). Why do we need your personal data? Submitting your personal data to us is voluntarily but we need the information if you want to have insurance. By submitting your data, you consent to us processing it in order to fulfil our undertakings regarding the insurance (policies). You also consent to us using your personal data for the following purposes: calculating premiums and granting insurance (e.g. name, address, car registration number and health information) settling claims (e.g. name, address, registration number and health information) sending marketing materials, such as newsletters and offers (e.g. name, address, postal address and information on insurance previously taken out) ensuring you get the benefits you are entitled to as a member of a union or other organisation (e.g. name, membership of union or other organisation) answering your questions via online forms, telephone or chat (e.g. name and address) providing advice on damage prevention via text message, e.g. by giving information on forthcoming changes in the weather (e.g. mobile number) giving you the opportunity to create a personal account (Mina sidor [My pages]) on Trygg-Hansa s website (e.g. name and address) registering reported loss/damage in the joint insurance industry claims register (GSR). Trygg-Hansa will disclose your personal data to group companies and to other companies that we cooperate with in order to be able to offer benefits to you or in order to fulfil one of the other purposes stated above. Under Swedish law, we may also need to submit your data to the authorities. How is the data collected and stored? Personal data is collected through e.g. online forms, chat, hard copy applications and recorded telephone calls. Your data may also be supplemented by and updated with information from public registers. Your personal data will be stored within the EEA or by a supplier in the USA that has undertaken to comply with the Safe Harbour Principles. Your data will only be stored as long as necessary in order for us to administrate the insurance and settle claims, or as long as it is required by law. Your data will be deleted in accordance with the applicable routine for destruction. We cannot delete your personal data when there is a legal requirement to store it, or a legal reason to keep it, for example, when you have insurance or an ongoing claim. We use anonymised information for statistical purposes and product development. If you have submitted your personal data to us in order to receive an offered price for a certain insurance product (usually through online forms), the data is saved for 30 days and then deleted. What are your rights? You are entitled to know what kind of personal data we store and process about you. If the data is incorrect or incomplete, you can request that it should be corrected or removed. Once a year, free of charge, you can request an excerpt from the register containing all the personal data we have about you. If you want to make such a request we need to receive a written request from you. State your policy or personal identification number, sign the request and send it to the following address: Trygg-Hansa Personuppgiftsansvarig SE Stockholm SWEDEN If you do not want us to use your personal data for marketing purposes, please contact customer service on +46 (0) F ENG