When renting a motorcycle, you can choose between three insurance packages
VEHICLE INSURANCE TERMS
Valid from 01.01.2023
Insurance services offered:
- Theft Protection ("TP")
- Collision Damage Waiver ("CDW")
- Tyre Insurance (Tyre Insurance ("TI")
- Premium Assistance (Premium Emergency Roadside Service, "PERS")
DEFINITIONS, CONTENT OF THE CONTRACT AND OBJECT OF REGULATION
1.1 The following abbreviations and definitions are used here and from now on:
1.1.1 Terms and conditions – these terms and conditions for renting a Vehicle and Accessories, insurance terms, privacy policy and price list of services.
1.1.2 Lessor – Bikemoto, Handprint OÜ (registration code 14392208)
1.1.3 Lessee – the natural or legal person specified in the lease agreement.
1.1.4 Sõiduk - Rendilepingus ära toodud sõiduk, mille omanik, vastutav kasutaja või kasutaja on Rendileandja või mille kasutusõigus kuulub muul alusel Rendileandjale.
1.1.5 Additional equipment - Additional equipment rented together with the Vehicle for the rental period according to the contract (e.g. side cases, helmet, driving jacket, driving pants, etc.)
1.1.6 Lease Agreement – Lease agreement between the Lessor and the Lessee for the use of the Vehicle to which these Terms and Conditions apply. If the Renter has performed the necessary actions for the Vehicle rental on the Bikemoto.ee website (selected the Vehicle and Accessories, indicated the start and end time of the rental, selected insurance coverage, etc.) and entered the required information about himself and confirmed that he has read and agrees to the Terms and Conditions, then the Rental Agreement is automatically considered concluded. The relevant notification together with the payment notification and the invoice will also be sent to the Renter's e-mail. An integral part of the rental agreement is the act of handing over the Vehicle.
1.1.7 Vehicle handover document - Authorization/Control Sheet is a document in which the Lessor records the condition of the Vehicle and Accessories before the Renter starts using the Vehicle.
1.1.8 Omavastutus - on summa, mille ulatuses peab Rentnik kahjujuhtumi korral ise kulutusi kandma ehk see on osa kahjust, mis jääb Rentniku katta, kui ta on aktsepteerinud kindlustusteenuse. Omavastutuse määr on kindlustusteenuse juures määratud renditava Sõiduki ja Lisavarustuse protsent turuväärtusest, mis määrab ära ulatuse, mida Rendileandja Sõiduki ja Lisavarustuse kahjujuhtumi korral ei hüvita.
1.2. The vehicle can only be driven by the Renter and/or other persons who are designated as authorized drivers by Handprint OÜ on the Authorization. The vehicle may not be driven, and the Renter may not allow persons authorized to do so according to the Agreement (including himself) to drive, who do not meet the requirements set forth by Handprint OÜ or the legislation regarding the validity of the driver's license, the person's age and/or other possible restrictions. It is forbidden to drive the vehicle under the influence of alcohol, drugs or other substances that suppress consciousness and responsiveness, as well as when overtired or under a medical condition that suppresses consciousness and responsiveness.
1.3 The Lessor has the right to ask the Lessee for a deposit when renting the Vehicle and Accessories to ensure proper fulfillment of the Rental Agreement and insurance conditions. After the proper return of the Vehicle and Accessories and termination of the Rental Agreement, the Lessor returns the amount of the deposit to the Renter. The Lessor has the right to refuse to return the deposit if the Lessee has damaged the Vehicle or Accessories, violated the terms of the Rental Agreement or the Insurance Terms. The necessity and amount of the deposit is determined by the Lessor at its discretion, depending on the situation. The insurance service fee and deposit must be paid after acceptance of the Rental Agreement and before the Vehicle and Accessories are issued to the Renter.
2. CUSTOMER LIABILITY FOR INJURIES, DAMAGE AND MISUSE OF THE VEHICLE AND ACCESSORIES AND LIMITATION OF LIABILITY
2.1 During the rental period, the Lessee is fully responsible for the damage caused to the Lessor in case of injury, other damage, theft, destruction or loss of the Vehicle and Accessories and their parts. The renter can reduce his own liability only in accordance with the insurance coverage specified in clauses 2.5 and 4.2 of the Terms and Conditions.
2.2 The Lessee's responsibility includes, among other things, the repair and/or replacement costs of the Vehicle or its parts and Accessories, the decrease in the market or residual value, the rental income lost due to the repair (taking into account the average cost of all the expected charges of the Agreement per day and at least 100 kilometers of daily driving), the Vehicle's parking and moving costs and administration costs of these costs. If the aesthetic and/or technical condition of the vehicle does not allow it to be rented anymore after the accident, the Lessor undertakes to organize the repair of the damaged Vehicle as soon as possible in order to minimize the claim against the Lessee based on lost rental income.
2.3 The Lessee is fully responsible for damage caused to third parties or damage caused to the Lessor not mentioned in clause 2.2, except for the cases specified in clause 3.
2.4 The services defined in point 2.5 are not insurance in the sense of the Insurance Activities Act, but a service provided by the Lessor, except for the Tenant to limit exposure.
2.5 Assuming that the Renter has fulfilled all the agreements of the Rental Agreement and the Terms and Conditions, and the damage, loss, theft, destruction or other loss of the Vehicle and Accessories and its parts has not been caused by an unauthorized driver while driving the Vehicle (unless the Vehicle is documented proven stolen), due to gross negligence or willful intent, the Customer's liability is limited as follows:
2.5.1 Theft Protection ("TP") If the Renter has accepted the Theft Insurance, his liability in the event of damage resulting from vandalism, theft or attempted theft of the Vehicle or its parts is reduced to 50% of the market value of the Vehicle and, in the case of Accessories, to 50% of the prices specified in the Lessor's price list. . In each case of damage, the Renter is separately responsible to the extent of the deductible. In the event that the Renter is not able to return the documents and keys of the Vehicle to the Lessor in case of theft of the Vehicle, the Renter is liable to Handprint OÜ in an amount equal to the purchase price of the given Vehicle and the amount of lost rental income.
2.5.2 Accident insurance (Collision Damage Waiver, "CDW") In the event that the Lessee has accepted Collision Insurance, his liability in case of damage to the Vehicle or its parts is reduced to a deductible of up to 15% of the market value of the Vehicle and in case of destruction to a deductible of up to 50% of the market value of the Vehicle, and in the case of Additional Equipment in the Lessor's price list of the specified prices up to a 50% deductible, assuming that the damage is not related to vandalism, theft of the Vehicle or attempted theft. It is considered destruction if the cost of repairing the Vehicle's accident damage exceeds half of the Vehicle's market value. In each case of damage, the Renter is separately responsible to the extent of the deductible. Accident insurance does not exempt the Renter from liability for non-accident injuries to the Vehicle, for technical malfunctions caused by the Renter's fault, and for tire damage. Accident insurance protection is only valid on the road or other area used for normal vehicle traffic, within the meaning Road Insurance law of the Republic of Estonia. In the case of damages in accident insurance cases, the excess is applied in a double amount, i.e. up to 30% of the excess of the market value of the vehicle, if the vehicle is repaired outside Estonia.
2.5.3 Rehvikindlustus (Tyre Insurance, „TI“) Juhul, kui Rentnik on Lepingus aktsepteerinud Rehvikindlustuse ("TI"), väheneb tema vastutus Sõiduki rehvide kahjustuste korral null euroni, eeldades, et kahjustused pole seotud vandalismi, Sõiduki varguse või varguskatsega. Rehvikindlustus kaitse kehtib ainult teel või muul sõidukite tavapäraseks liikluseks kasutataval alal, EV Liikluskindlustuse seaduse mõistes.
2.6 The Renter is fully responsible for injuries caused to the Vehicle on roads and areas not designated for traffic and for the inability to drive the Vehicle. The acceptance of the insurances specified in clauses 2.5.2 and 2.5.3 does not exempt from this responsibility either.
2.7 If the tire of the vehicle breaks, the Lessee is obliged to pay a contractual penalty according to the Lessor's price list. It is possible to get rid of this obligation only by accepting the insurance provided in point 2.5.3.
2.8 If the Renter does not accept any of the insurance products offered by Handprint OÜ or if he wants to use his own insurance when renting the Vehicle, he undertakes to compensate Handprint OÜ in full for damage/destruction, theft and/or loss of the Vehicle and/or its parts, unless otherwise accepted insurance products limit liability. The Lessee may be compensated for damages by his own insurance company only in accordance with the terms of the contract between the insurance company and the Lessee, but this does not release the Lessee from liability to Handprint OÜ.
2.9 Handprint OÜ is not responsible for obtaining compensation when the Tenant uses his insurances, except for providing standard documentation (repair estimate, pictures) within 30 days from the discovery of the injury or damage by Handprint OÜ.
2.10 The insurance given in point 4.5.2 and accepted by the Renter does not cover technical faults of the vehicle, including the engine, gearbox and clutch, if they are caused by the use of incorrect driving techniques. The cause of the injury is determined by the expertise of the manufacturer's official representative. If the Renter does not accept the results of this, the Renter has the right to order an independent expert examination from a nationally recognized expert of the Republic of Estonia, whose expenses are fully borne by the Renter, unless the use of incorrect driving techniques is not proven.
3. THIRD PARTY INSURANCE
3.1 Handprint OÜ undertakes to insure the Vehicle with mandatory traffic insurance ("Traffic Insurance"), which is valid at least in the territory of the Republic of Estonia, in accordance with the Traffic Insurance Act.
3.2 Handprint OÜ Vehicle traffic insurance fully meets all requirements of the legislation of the Republic of Estonia.
3.3 Handprint OÜ is not obliged to offer other third-party or civil liability insurance to the Customer.
3.4 Traffic insurance is limited to j provided in the Traffic Insurance Act in terms and to the extent of the civil liability of the Lessee and/or the authorized driver in the event of damage to the Vehicle, provided that it is an insured event in accordance with the Motor Insurance Act.
3.5 In accordance with the Motor Insurance Act, damage to third parties is considered an insured event if the following conditions are simultaneously met:
3.5.1 the damage is caused by a vehicle that is covered by the insurance obligation arising from the Motor Insurance Act or the legislation of the country of the vehicle's main location;
3.5.2 the damage is caused by the realization of a risk characteristic of operating the vehicle in traffic and there is a causal connection between the movement or location of the vehicle and the damage caused;
3.5.3 the damage is caused on a road designated for traffic or on another area used for normal vehicle traffic.
3.6 Causing damage is not considered an insured event:
3.6.1 to a vehicle, including an aircraft and a water vehicle, except for a ferry carrying out regular transport, when boarding or disembarking;
3.6.2 in a place that is closed and set aside for a competition, training or other similar event;
3.6.3 on the territory of the airfield closed to public traffic;
3.6.4 on a road or other area used for normal vehicle traffic, when this area is closed to public traffic, and if the vehicle with which the damage was caused is used for forestry, agricultural or construction work or other similar purposes and the damage is caused directly during the performance of work.
3.7 In the event of an insured event, the insurer chosen by Handprint OÜ undertakes to compensate the injured party in the cases and to the extent provided for in the Motor Insurance Act.
3.8 The price of the Traffic Insurance valid in the territory of the Republic of Estonia is included in the cost of the Vehicle rental, and Handprint OÜ does not have the right to charge the Renter for it.
3.9 The renter is fully responsible for any claims if the use of the Vehicle does not comply with the requirements set forth in the Motor Insurance Act and other legislation and undertakes to compensate Handprint OÜ for all related losses.
3.10 Traffic insurance does not release the Renter from liability to the extent of damages exceeding the maximum amounts of insurance provided in the Traffic Insurance Act.
3.11 Traffic insurance does not exempt the Renter from possible criminal liability or compensate possible legal or other costs related to the insured event.
4. OTHER INSURANCE SERVICES
4.1 The services defined in point 4 are not insurance in the sense of the Insurance Activities Act, but services provided by the Lessor to limit the Lessee's liability or mitigate risks.
4.2 Premium assistance (Premium Emergency Roadside Service, "PERS")
4.2.1 If the Tenant has accepted PERS, he is released from the obligation to pay service fees to Handprint OÜ upon elimination of the following problems caused by negligence or inability:
4.2.1.1 Loss of the vehicle key;
4.2.1.2 Discharge of the vehicle's battery, except in case of technical failure;
4.2.1.3 running out of fuel;
4.2.2 PERS does not exempt the Vehicle from the costs of repairs, fuel, refueling and replacement of keys or documents.
4.2.3 Handprint OÜ may use service providers to provide assistance.
4.2.4 If the Tenant does not accept PERS, he undertakes to pay the service fee for assistance in accordance with the current price list of Handprint OÜ or according to the incurred costs, if they are higher than established in the price list, upon the occurrence of the events listed in point 4.2.1.
5. USE OF THE VEHICLE AND ACCESSORIES
5.1 The vehicle may only be driven in accordance with clause 8 of the Terms and Conditions.
5.2 The renter is responsible for the prudent use of the Vehicle and Accessories and careful driving of the Vehicle and undertakes to use the Vehicle and Accessories only for the purposes intended for this purpose.
5.3 In the event that the Renter violates the Terms, he is liable to the extent of the damage that his behavior causes to Handprint OÜ, third parties and/or the Vehicle and/or Accessories, and loses the right to limited liability regardless of the selected insurance services. Handprint OÜ reserves the right to take the Vehicle and/or Accessories back into its possession at any time at the Renter's expense if the Renter does not comply with the Agreement and Terms.
5.4 The Renter is obliged to lock the Vehicle when leaving the Vehicle and turn on the alarm system, if it is equipped with the Vehicle. The vehicle must be parked in the designated area. If a removable GPS navigation device is installed in the Vehicle, it must be taken with it when leaving the Vehicle and stored in a safe place.
5.5 The renter is obliged to use the fuel provided for the given Vehicle. The Renter is fully responsible for damages and costs related to the use of the wrong fuel.
5.6 The renter is obliged to check the oil and other fluids level of the Vehicle after every 1000 km. If the level is lower than required, the customer must inform Handprint OÜ about this. Adding liquids is allowed only with the permission of Handprint OÜ.
5.7 In the event that an accident or technical failure occurs with the Vehicle, Handprint OÜ must be informed immediately. Only Hand can take the Vehicle for service or repair with the permission of Handprint OÜ.
5.8 The Vehicle and Accessories (where applicable) may not be used:
5.8.1 for the transport of more people than allowed in the registration certificate or technical conditions;
5.8.2 for transporting more cargo than allowed in the registration certificate or technical conditions;
5.8.3 to push or tow other Vehicles (including trailers) and other objects;
5.8.4 on terrain or roads not designed for this Vehicle;
5.8.5 in rallies, test and races;
5.8.6 against traffic regulations;
5.8.7 for other illegal activities;
5.8.8 for subletting without the consent of Handprint OÜ;
5.8.9 for driving in areas prohibited for traffic;
5.8.10 for a training ride;
5.8.11 for driving outside the insurance territory of EU = Europe (except Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus and Russia).
5.9 When concluding the contract, the Lessee is obliged to always inform the Lessor of his expected driving route, if the driving route is outside the territory of the Republic of Estonia or if the Lessor asks the Lessee. Handprint OÜ can set restrictions to which countries the Vehicle can be driven. If these restrictions are not met, Handprint OÜ may refuse to Rent the Vehicle and may withdraw from the concluded Agreement.
5.10 Unless otherwise agreed with Handprint OÜ, the Vehicle and the Accessories may only be used with it. EU = Europe (except Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus and Russia) in the insurance territory. Accessories may only be used with the Vehicle.
5.11 Driving to foreign countries outside the territory of the Republic of Estonia.
5.11.1 With the prior consent of Handprint OÜ and only upon payment of the corresponding surcharge ("Border crossing fee"), the Handprint OÜ Vehicle may be driven in the insurance territory of EU = Europe (except Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus and Russia).
5.11.2 It is prohibited to travel to other countries, unless a corresponding special agreement is concluded with Handprint OÜ. Various additional conditions, restrictions and fees may apply;
5.12 In the event of a violation of the restrictions stated in point 5.11, the Renter is fully responsible for any damage or injury caused to Handprint OÜ, the Vehicle, its parts, Accessories and/or third parties, which also includes the costs related to the possible confiscation of the Vehicle and Accessories or the return to Estonia, including the replacement of the Vehicle expenses incurred. The acceptance of the insurance services described in the Insurance Terms and Conditions does not exempt you from this responsibility either.
6. INJURIES, ACCIDENTS, THEFT AND VANDALISM
6.1 The renter is obliged to report a traffic accident, accident, theft of the Vehicle and Accessories and/or their parts, injuries and/or any other incident with the Vehicle or Accessories immediately to Handprint OÜ and, upon the latter's request, to the Police. In the case of traffic accidents involving human injuries, it is mandatory to call a Police representative.
6.2 After the occurrence of the incident, the lessee may not accept any liability or release anyone from any liability without the consent of Handprint OÜ.
6.3 The renter is obliged to write down the names, telephone numbers and addresses of the participants and/or witnesses of the incident and must not limit himself to collecting oral information only.
6.4 If a third party is involved in the accident, the Renter is obliged to fill in the form accepted by the Estonian Traffic Insurance Fund regarding the traffic accident.
6.5 In the event of an accident, theft and/or vandalism, the lessee is obliged to provide Handprint OÜ with a written explanation and other information related to the incident, regardless of filling out the form specified in point 6.4. At the request of Handprint OÜ, the Renter must also submit a signed explanatory letter containing his description of what happened, and a copy of his driver's license. If the required documentation is not submitted, the insurance products described in the Insurance Terms and accepted by the Renter do not release him from responsibility for the total cost of the Vehicle and other damages and claims resulting from an accident, theft and/or vandalism.
6.6 In case of vehicle theft, the Renter must return the Vehicle keys and registration certificate to Handprint OÜ. In the event that the Renter does not hand over the required items to Handprint OÜ or does not fulfill the other requirements stated in point 6, the insurance services specified in point 2.5 and accepted by the Renter do not release him from liability to the extent of the total cost of the Vehicle and other damages resulting from an accident, theft and/or vandalism.
6.7 The renter is obliged to fully cooperate with Handprint OÜ and its insurers in the investigation of a traffic accident, theft incident and/or act of vandalism, providing documentation and solving legislative problems.
6.8 If weather conditions, darkness, the place and/or time of returning the Vehicle do not allow the employees of Handprint OÜ to detect the loss of parts of the Vehicle and/or Accessories and/or a fault that occurred to the Vehicle and/or Accessories during the Rental Period injury, or if the detection is difficult due to the Vehicle or Accessories being dirty, the location of the injuries and/or the original location of the missing parts, Handprint OÜ has the right to demand compensation from the Lessee even after they have been discovered. Within the scope of this point, Handprint OÜ has the right to demand compensation for only such damage that has been discovered within no more than 7 days after the Vehicle has been returned by the Renter, provided that the Vehicle has not been rented out again during this time.
6.9 The lessor has the right to be released from the obligation to fulfill the insurance contract if the person driving the vehicle was under the influence of alcohol, drugs or psychotropic substances at the time of the traffic accident. The person driving the vehicle refused to identify intoxication immediately after the damage occurred or consumed alcohol, drugs or psychotropic substances after the damage occurred. The person driving the vehicle at the time of the traffic accident did not have the right to drive a vehicle of the corresponding category. The renter contributed to the commission or attempt to commit a crime with the vehicle.
6.10 Obligations that arose and were not fulfilled before the termination of the legal relationship between the parties remain valid even after the termination of the Agreement.
7. LIMITATIONS OF LIABILITY
7.1 Handprint OÜ is not liable to the Renter or third parties for damages or injuries resulting from the rental and use of the Vehicle and Accessories. Handprint OÜ is not responsible for indirect damage, damage resulting from renting, loss of income and any special damage.
7.2 In the event that an insurance event occurs and the protection of the insurance service is not indemnified due to the lessee's fault, the lessee is obliged to compensate the lessor for all the damage caused, immediately after the damage occurs at the request of the lessor. If there are differences between the Estonian and English translations, the Estonian insurance conditions apply.