Ensurly's service agreement

The provider of this service agreement is:

hereinafter referred to as "Ensurly".

This service agreement applies to the purchase of all products for refund of deductible costs provided by Ensurly and is considered to have been read and accepted by the buyer, hereinafter referred to as the "Customer", when payment is made. All ingoing and outgoing payments processed by Ensurly and referred to in the service agreement are in Norwegian kroner (NOK).

About the service

Ensurly is not an insurance provider and does not assume insurance risk, process claims nor determine deductibles. Within the limits of this service agreement, Ensurly provides a service that entitles the Customer to get refunds of incurred and verified deductible costs which have been determined and charged by the Customer's insurance company or a professional operator from which the Customer has rented a means of transport.

Communication portal

Ensurly only accepts receipt of customer communication in Norwegian or English that is submitted via our customer chat, which can be found on the Customer's dashboard on our website. Customer communication that is sent via e-mail or by post will not be considered as a valid submission and will not be received, processed or answered by Ensurly.

Changes to the service agreement

Ensurly reserves the right to change this service agreement. The Customer will receive notification of service agreement changes via e-mail before they take effect and no later than two weeks before the Customer's subscription is renewed.

1Products and deductible protection options

Ensurly offers the following products and deductible protection options:

Subscription cycle

A subscription cycle starts on the date when a customer relationship is established and has a duration of 12 months, even if a subscription during this period is upgraded, downgraded, paused, resumed or cancelled. A new cycle will only be set to start when an ongoing cycle has ended, if the subscription is changed from monthly to annual, or the subscription is cancelled and the prepaid deductible protection has expired.

2Registration 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

New subscriptions are subject to a quarantine period of 14 calendar days from signup before the deductible protection takes effect and therefore does not apply to refund claims related to accidents or incidents that occur during the quarantine period.

3Approval of a refund application for a deductible regarding an insurance claim

Ensurly will not approve the Customer's refund application form for a deductible regarding an insurance claim unless all of the following criteria are met:

• The Customer has valid deductible protection with Ensurly
• The application concerns an insurance policy 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 subscription with Ensurly was purchased, has been approved by the Customer's insurance company and has triggered a deductible
• The application contains information that is completely verified by the Customer's insurance company

4Approval of a refund application for a deductible regarding rent of a means of transport

Ensurly will not approve the Customer's refund application form for a deductible regarding rent of a means of transport unless all of the following criteria are met:

• The Customer has valid deductible protection with Ensurly
• The application concerns a means of transport rented in the Customer's name as a private individual from a professional operator
• The application concerns an accident or incident that occurred after the Customer's subscription with Ensurly was purchased and has triggered a deductible from the professional rental operator
• The application contains information that is completely verified by the professional rental operator

5Limitations

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 subscription and its yearly maximum deductible protection.

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 that is as a result of:

• An accident or incident that occurred when the Customer's subscription was in sleep mode and after the prepaid protection period 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 service agreement only applies to the Customer who has purchased a subscription in their name and cannot be transferred entirely or partially. In the event of a missing payment, the deductible protection 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.

6Renewal, termination and refund policy

Renewal

A subscription will automatically be renewed on the day of the month when the Customer's subscription cycle 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

A subscription can be cancelled at any time if a monthly subscription was purchased and only after 12 months if an annual subscription was purchased. Upon termination, the subscription will remain valid for the entire prepaid protection period.

Refund policy

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

7Upgrades and downgrades

The Customer can upgrade or downgrade a subscription at any time. An upgraded subscription takes effect the day after an upgrade is made. A downgraded subscription takes effect upon renewal.

8Sleep mode

A subscription can be put into sleep mode, which means that the Customer can pause and resume the subscription at any time without having to cancel it. When the subscription is in sleep mode, the deductible protection will expire after the prepaid protection period has ended and until the day that the subscription is resumed by the Customer.

9Terms of payment

Ensurly only offers subscription-based products for refund of deductible costs with payment terms subject to the "pay-as-you-go" principle, which means that payment is due when the Customer purchases a subscription, 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.

10Right of withdrawal

The Customer has the right to withdraw from their subscription 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.

I want to read more about the right of withdrawal

11Processing 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.

I want to read more about how Ensurly processes personal data

12Governing law and dispute resolution

This service agreement 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 service agreement 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 service agreement, 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 service agreement are subject to ordinary litigation rules under the Disputes Act. The legal venue is the District Court in Oslo.