Car Rental Terms & Conditions

Online bookings can be paid with any internationally accepted credit or debit card. The security deposit is taken from a credit or debit card in the main driver's name, unless otherwise agreed in writing. Cash is not accepted for the security deposit. The card must be valid for at least 2 months after the return date and have sufficient funds or credit. Prepaid, virtual or third-party cards may be refused for the security deposit.

The security deposit is reserved on the card, not charged. It secures the rental charges and any other amounts still open. It is normally released after the vehicle has been returned, inspected and accepted with no open charges. Bank processing times vary and the release may take several business days.

The selected package sets the renter's maximum excess for covered damage. Excluded losses and prohibited use (sections 4 and 7) remain the renter's responsibility in every package.

Maximum excess for covered damage: GO EUR 2,000, SHIELD EUR 500, MAX EUR 0.

* Key assistance covers the replacement or recovery of a lost or damaged key within the limits shown in the booking. Misfuelling assistance covers draining, flushing and towing only, and only if you contact us immediately, before you leave the petrol station. Engine, fuel-system or other mechanical damage caused by the wrong fuel is not covered by any package and is charged in full.

** Only in an unforeseen situation. Running out of fuel through poor planning is not covered: we do not operate a refuelling service.

Protection add-ons with GO or SHIELD

When a protection add-on (section 6) is purchased, the excess for that specific type of damage is EUR 0. All other damage follows the package excess.

Protection applies only to incidents covered by the selected package or a purchased add-on. The excess applies per separate incident. Damage that is separate in time, place or cause is treated as separate incidents, even if it is found at the same inspection.

Protection does not apply, and the renter is liable for the full cost, when damage is caused by:

• •driving under the influence of alcohol, drugs or other impairing substances
• •intentional damage or gross negligence
• •prohibited use (section 7), including any ice road, off-road use, racing or towing
• •an unauthorised driver, or handing the vehicle to a third party
• •driving outside the permitted countries (section 7)
• •the wrong fuel
• •failure to report an accident or damage as required in section 8

Excluded unless expressly included

Undercarriage damage, mechanical damage, clutch, transmission or engine damage caused by misuse, physical damage caused by pets, and costs outside the selected roadside service scope.

Lapland and winter use

Clear all snow and ice from the windows, lights and roof before driving. Damage caused by improper ice scraping, falling snow or ice, or by driving on ice roads, trails, snowmobile routes or other non-public areas may be fully chargeable.

Damage administration fee

EUR 59 per incident for processing a new damage or protection claim.

How damage is charged

Before any damage is charged to the card, Insider sends the renter a damage report with photos and a repair estimate or invoice. The renter has 7 days to comment. For covered damage the charge never exceeds the package excess plus the administration fee.

Third-party damage

The renter must cooperate with Insider and the insurers. If a third party is fully liable and Insider receives full compensation, the renter is released from the corresponding excess.

An add-on is not charged when the same protection or service is already included in the selected package.

Pet Package

Deep cleaning after the rental, including ozone treatment and allergen removal, and one dog safety harness free of charge for the rental (the harness must be returned). Physical damage caused by the pet is not included.

Permitted countries

Finland. Sweden and Norway only with prior written approval and the EUR 58.99 foreign use fee. Driving in any other country is not permitted. Unauthorised cross-border use voids all protection.

Always prohibited (no approval possible)

• •driving on any ice road, marked or unmarked, or off-road, on trails or on frozen lakes or rivers
• •racing, speed tests, competitions or driving practice
• •driving lessons
• •towing or pushing another vehicle, or towing a trailer unless the vehicle is equipped and approved for it
• •loading the vehicle beyond its permitted weight
• •taxi, ride-hailing or other licensed passenger or goods transport, unless approved in writing in advance
• •any illegal use
• •lending, sub-renting or handing the vehicle to anyone who is not an authorised driver
• •repairs, modifications, stickers or accessory installation without Insider's written approval

Pick-up and return places

The vehicle can be picked up and returned at our office at Korkalonkatu 31-33 in Rovaniemi city centre, at Rovaniemi Airport (car park P3) or at Rovaniemi railway station (Ratakatu 3). Pick-up at the airport or the railway station costs EUR 50, and return there costs EUR 50. The vehicle must be returned to the agreed place. Returning it to a different place is possible on request to info@insidercarrental.com, subject to approval and availability.

Out of hours

Pick-up or return outside the agreed time carries a service fee, quoted when the service is requested.

At pick-up

Inspect the vehicle and report any damage not recorded in the handover document. Photos at pick-up and return are recommended.

Accident or damage

Protect people and property, call 112 when needed, and notify Insider immediately and no later than 12 hours after the incident. A police report is required for traffic accidents involving another party, for theft and vandalism, and wherever required by law.

Reindeer or elk collision

Call 112, then notify Insider. Do not drive on if the vehicle is unsafe. The collision is handled as collision damage under the package excess.

Breakdown

Contact Insider or the designated roadside service before arranging any towing or repair. Do not authorise repairs or replacement vehicles without approval. Keep receipts for necessary emergency costs.

Vehicle leaflet

Every vehicle contains a quick-reference leaflet with Insider's contact details and instructions for accidents, breakdowns, damage and emergencies.

After-hours return

When approved, follow the return instructions for the place. The renter remains responsible for the vehicle until it has been inspected and accepted by Insider.

Late return

There is a 59-minute grace period. If a later return has not been agreed with Insider before the rental ends, a EUR 99 late return fee is charged plus the current daily rate. Approved extensions are subject to availability. Protection and add-on charges continue.

Early return

An early return does not automatically entitle the renter to a refund.

Insider may charge agreed rental and ancillary amounts to the card given in the rental agreement, in accordance with section 4 and applicable law.

Reservations are held for 2 hours after the scheduled pick-up time. If a flight number is given, the reservation is held until 2 hours after the flight's actual arrival. Changes to dates, times, vehicle category or return place may change the price and are subject to availability. Prepaid or promotional rates may have different rules, shown at booking.