Liability and accident insurance

Wehunt Nordic AB has taken out insurance for users of the WeHunt application with a valid WeHunt Pro annual subscription when hunting in the Nordic Region (including preparatory and supplementary work, pick-up, blinds and trails, zeroing and practice shooting, ground and hunt maintenance as well as feed and wildlife management) with the insurance company Länsförsäkringar Södermanland.

The insurance covers paid annual subscribers using WeHunt Pro or WeHunt GPS during a hunt. Remember to start or join a hunt in WeHunt at the beginning of the hunt day and you are protected!

The insurance policies contain two insurance elements of importance to you. One is a subsidiary liability insurance and the other is an accident insurance.

Here is a little information about these two elements:

Liability insurance

Who does the insurance apply for and insured activities?
The insurance covers the activities stated in the policy (see above) and applies for users of the WeHunt application with an active WeHunt Pro annual subscription when hunting, including preparatory and supplementary work, pick-up, blinds and trails, zeroing and practice shooting, ground and hunt maintenance as well as feed and wildlife management.

When is the insurance applicable?
The insurance applies to claims relating to damages occurring during the period in which the insurance is in force. Please note, the insurance is subsidiary to other existing liability insurance.

Where does the insurance apply?
The insurance covers damages occurring in the Nordic countries.

Insurance amount
The insurance amount set at a maximum 10 price base amounts (01/09/17) and specifies the amount to which the sum total of compensation, assessment, negotiation, legal and emergency expenses is insured.

What is the insurance applicable for?
The insurance applies primarily to liability for personal injury and material damage, as well as property damage arising a result of such compensable injury/damage under capacity for tortious liability.

What does the insurance help with?
For claims that may be covered by the insurance and that exceed the agreed excess of 0.1 price base amounts (01/09/17), Länsförsäkringar Södermanland undertakes on behalf of the insured to assess whether liability for damages exists
negotiate with the party demanding damages
represent the insured in court or arbitration proceedings and thereby pay the costs of litigation or arbitration as the insured incurs or is charged, and which cannot be obtained from the counterparty, or any other party, as well as
pay the damages that the insured is required to pay.
What should you do in case of damage?

Report the damage via Wehunt to Länsförsäkringar Södermanland as soon as possible.
Comply with the laws, regulations or official regulations stipulated in order to prevent or limit damage
Do what you can to help ensure that the damage is as minor as possible.

Is this everything?
No, this is a short overview of the main elements of the policy. In the event of a claim, this will be governed by the terms and conditions of Länsförsäkringar Södermanland’s corporate insurance, provision: V 061:12 Section C Liability insurance (01/09/17).

Accident insurance

Who does the insurance apply for and insured activities?
The insurance covers the activities stated in the policy (see above) and applies for users of the WeHunt application with an active WeHunt Pro annual subscription when hunting, including preparatory and supplementary work, pick-up, blinds and trails, zeroing and practice shooting, ground and hunt maintenance as well as feed and wildlife management.

When is the insurance applicable?
The insurance applies in conjunction with the execution of insured activities relating to damages occurring during the period in which the insurance is in force.

Where does the insurance apply?
The insurance covers damages occurring in the Nordic countries.

Insurance amount
The insurance amount is the maximum amount payable in the event of disability, for medical aids, and in the event of death due to injury incurred in an accident.
Disability compensation will be paid out at a proportion of the insurance amount commensurate to the degree of disability. The insurance amount is reduced by 5% when the insured reaches the age of 56 and by a further 5% each year thereafter. The insurance amount can be reduced by up to 50%.

Compensation insurance amount
— disability under 50% – SEK 100,000
— disability 50% or above – SEK 200,000
— for medical aids – SEK 10,000
— in the event of death due to injury incurred in an accident – SEK 10,000

What is the insurance applicable for?
The insurance applies for accidental injury as set out in the provision, the Insurance Contracts Act and other applicable laws.

Note
Accidental injury refers to bodily injury suffered by the insured involuntarily through a sudden external event (accident). In case of frostbite or heat stroke (sunstroke), the requirement for ‘suddenness’ is disregarded. (Such bodily injury is deemed to have occurred on the day it manifested.)
Accidental injury does not include:

injury caused due to infection by bacteria, virus or other infectious agent
injury caused by the use of medical preparations or by surgery, treatment or examination that is not preceded by accidental injury covered by this insurance such a condition, even if it is found after an accident, which according to medical assessment is not attributable to the accident but rather to disease, ailment or pathological changes.
For treatment expenses for dental injury, there are specific constraints in the provision.

What should you do in case of damage?

Report the damage via Wehunt to Länsförsäkringar Södermanland as soon as possible.
Attend a doctor without delay and, during the period of injury, remain under continuous medical supervision and observe the doctor’s instructions and follow instructions provided by Länsförsäkringar Södermanland in consultation with the doctor, designed to limit the consequences of the accident.
Is this everything?

No, this is a very brief overview of the most important elements of the policy. In the event of a claim, this will be governed by the terms and conditions of Länsförsäkringar Södermanland’s corporate insurance, provision: V 965O:3 (01/09/17).

Liability and accident insurance
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