Ensurly's insurance policy

2Insurance products and deductible coverages

Ensurly offers the following insurance products and yearly deductible coverages:

Coverage cycle

An insurance year starts on the date when a customer relationship is established and has a duration of 12 months before a new year is started, regardless of if a subscription during this period has been upgraded, downgraded, paused, resumed or cancelled, unless an insurance year that started with a monthly binding period is changed to an annual binding period or the subscription has been cancelled and the prepaid coverage has expired.

3Registration of a refund claim for a deductible

Ensurly only accepts receipt of deductible refund claims that are registered via the avatar menu at the top of our website. Deductible refund application forms that are sent via e-mail or by post will not be considered as valid submissions and will not be received, processed or answered by Ensurly.

Registration of a claim number for an insurance claim or a reference number for a rental agreement is only possible once. Submission of a refund application form for a deductible with a claim number or a reference number that has been registered previously is therefore not possible.

Quarantine period

This insurance policy is subject to a quarantine period of 30 calendar days from signup before taking effect and therefore does not cover refund claims related to accidents or incidents that occur during the quarantine period.

4Approval of a refund application for an insurance deductible

Ensurly will not approve the Customer's refund application form for an insurance deductible unless all the criteria below are met:

• The Customer has a valid and active insurance policy with Ensurly
• The application concerns an insurance policy taken out in the Customer's name as a private individual with an insurance company in Norway
• The application concerns an accident or incident that occurred after the Customer's insurance policy with Ensurly was taken out, which has been approved by the Customer's insurance company and that has triggered a deductible
• The application contains information that is completely verified by the Customer's insurance company

5Approval of a refund application for a deductible regarding the use of a rented means of transport

This insurance policy also covers deductibles for accidents or incidents that occur when using a means of transport that has been rented from a professional operator. Ensurly will not approve the Customer's refund application form for a deductible regarding the use of a rented means of transport unless all the criteria below are met:

• The Customer has a valid and active insurance policy with Ensurly
• The application concerns the use of a rented means of transport where the rental agreement is signed in the Customer's name as a private individual with a professional operator
• The application concerns an accident or incident that occurred after the Customer's insurance policy with Ensurly was taken out and which has triggered a deductible from the rental company
• The application contains information that is completely verified by the rental company

6Limitations

There is no limit to how many deductible refund applications the Customer can send to Ensurly, but the total sum of all the deductibles the Customer applies for reimbursement of cannot exceed the Customer's chosen insurance product and its yearly maximum deductible coverage.

Regardless of whether all the criteria in point 4 or point 5 above are met, Ensurly will not approve the Customer's refund application form for a deductible if it concerns a deductible as a result of:

• An accident or incident that occurred when the Customer's insurance policy was in sleep mode and after the subscription period the Customer has paid for had expired
• Truncation, negligence or an offence
• The use of a rented means of transport that does not follow the terms and conditions of the rental agreement
• Abnormal straining or use of the rented means of transport
• The use of a rented means of transport that does not follow the manufacturer's recommendations, instructions or guidelines
• The use of a rented means of transport on a surface it was not meant for, on track, for competition, passenger or goods transport, commercial activities, or other similar acts or activities

This insurance policy only applies to the Customer who has taken it out and cannot be transferred entirely or partially. In the event of a missing payment, the insurance policy and the possibility of submitting unreported accidents or incidents will expire, and it will no longer be possible for the Customer to register a deductible refund claim via the Ensurly website or receive payouts for refund claims that have been approved.

7Binding period, renewal, termination and refund policy

Binding period and renewal

This insurance policy has a continuous binding period and will automatically be renewed on the day of the month when the Customer's insurance year was started for a minimum of 1 month at a time for a monthly subscription and a minimum of 12 months at a time for an annual subscription. A subscription that is in sleep mode will not be renewed until the Customer chooses to resume it.

Termination

This insurance policy can be cancelled at any time if a monthly subscription is taken out and first after 12 months if an annual subscription is taken out. Upon termination, the insurance policy will remain valid for the entire subscription period the Customer has paid for.

Refund policy

Ensurly will only offer the Customer a refund for the purchase of an insurance product if the Customer wishes to exercise the right of withdrawal and if this has first been approved by Ensurly.

8Upgrades and downgrades

The Customer can upgrade or downgrade this insurance policy at any time. An upgraded insurance policy takes effect the following day after an upgrade is made. A downgraded insurance policy takes effect on the day when the binding period that was in place before a downgrade was made is renewed.

9Sleep mode

This insurance policy can be put into sleep mode, which means that the Customer can pause and resume the insurance policy at any time without having to cancel it. When the insurance policy is in sleep mode, it expires after the subscription period the Customer has paid for has ended and until the following day after the insurance policy is resumed by the Customer.

10Terms of payment

Ensurly only offers subscription-based insurance products with payment terms subject to the "pay-as-you-go" principle, which means that payment is due when the Customer purchases an insurance product and before it can be used.

In the event of a missing payment, Ensurly will send a notice of enforcement to the Customer via e-mail 14 days after the due date. If Ensurly has not received full payment 14 days after this notice was issued, the payment claim will be transferred to the bailiffs for enforcement. In such a case, additional costs will be incurred.

11Right of withdrawal

The Customer has the right to withdraw from this insurance policy by sending the attached right of withdrawal form via e-mail to angrerett@ensurly.no within 14 days after the purchase is made. Right of withdrawal forms that are sent by post or via our website will not be considered as valid submissions and will not be received, processed or answered by Ensurly.

12Processing of personal data

How Ensurly processes personal data is regulated by the General Data Protection Regulation. The personal information we collect is necessary to be able to establish and follow up on customer relations and fulfil our obligations towards our customers.

13Governing law and dispute resolution

This insurance policy is subject to and must be interpreted in accordance with Norwegian law and judiciary. Ensurly and the Customer must first attempt to resolve any disputes relating to the insurance policy through negotiations between themselves.

Ensurly will only process a complaint received from the Customer if it contains a sufficiently detailed justification, with reference to this insurance policy, as to why the Customer considers that Ensurly's decision is established on an incorrect basis.

Ensurly only accepts receipt of complaints that are submitted via our customer chat, which can be found on the Customer's dashboard on our website. Complaints that are sent via e-mail or by post will not be considered as valid submissions and will not be received, processed or answered by Ensurly.

Disputes related to Ensurly's insurance policy are subject to ordinary litigation rules under the Disputes Act. The legal venue is the District Court in Oslo.