General information on insurance of assignments via Vaskehjelp AS


Vaskehjelp AS has established insurance policies that cover the assignments as agreed between you as a customer, and the cleaner who is booked for the assignment. The insurance covers only those assignments that are registered and agreed via Vaskehjelp AS's App, and the scope of assignments as agreed in the App. The general job description and the terms and conditions which are accepted for initial registration as a customer or cleaner in the App also apply to the insurance agreements scope. Any services beyond this will thus not be covered by the insurance contract.

Insurance policies for customers

To be considered a customer of Vaskehjelp AS you must book your assignments via the app. Under the insurance plan, those ordering cleaning are referred to as the “principal” and the person performing the cleaning as “contractor”.

The customer (principal) is covered by the following insurances:

  • Liability insurance covers legal liability for damage to property or person who washes (contractor) that may occur during an agreed assignment. The liability is determined in relation to Norwegian laws and rules of law. The sum insured is up to NOK. 10 million per claim.
  • Insurance for loss of keys which covers expenses if the contractor loses or otherwise causes the keys to go astray. This typically includes the costs of replacing locks, security, insurance and the like. The sum insured is up to NOK. 300.000, – per claim.
  • Crime insurance covering loss suffered by you as a customer (principal) through criminal acts which can be proven or are probable to be done by the cleaner. To claim, the case must be reported to police before the matter can be reported as an insurance case. The sum insured is up to NOK. 10 million per claim.
  • In the insurance contract, further terms and conditions are outlined in relation to what is covered, what is not covered and other provisions. In the insurance contract, there is a deductible. This does not apply to you as a customer (principal), but as a deductible which the cleaner (contractor) or Vaskehjelp AS pays after the customer has received approval for an injury/damage. It is important that you familiarise yourself with the insurance conditions.

As a customer (principal) of Vaskehjelp AS’s App you do not have workers’ compensation liability for the cleaner (contractor)

  • By ordering cleaning via Vaskehjelp AS’s App you are considered to be “principal” and ordering cleaning assignment of a cleaner (contractor) who is registered with a private firm. You have no liability in relation to the Law on occupational injury.
  • Liability for personal injury, including insurance obligation to the Law on workers’ compensation, is often a concern for those who engage a private person for cleaning assignments. It is a moral and legal problem for those who have not booked cleaning via a cleaning company. If you get into a situation where you get workers’ compensation duty, and do not have occupational injury insurance, you risk having to pay the compensation yourself. It could have enormous economic consequences.
  • However, as a customer of Vaskehjelp AS you should know that the cleaner is covered by an accident insurance that provides compensation for personal injury to the cleaner if they are involved in an accident while carrying out jobs for you.

Insurance policies for cleaners

The cleaner (contractor) is covered by the following insurances:

  • Accident insurance covering personal injury resulting from an accident while carrying out assignments booked and confirmed via the app. The policy also applies to direct travel between home and the assignment location, as well as direct travel between different assignment locations.
  • Types of events covered by insurance include:
    • Applied treatment expenses
    • Loss of income, limited to income from assignment via Vaskehjelp AS in the period until the lasting consequence of the damage is determined
    • Acquisition replacement, replacement of future loss of income is limited to income earned via Vaskehjelp AS
    • Compensation for permanent injury
    • Death benefit
    • See certificate of insurance and conditions for complete information about insurance coverage, exclusions and limitations
  • Liability insurance covers legal liability for damage to property or person that you as a cleaner (contractor) can inflict upon the customer (principal) through the agreed assignment. The liability is determined in relation to Norwegian laws and rules of law. The sum insured is up to NOK. 10 million per claim. Your deductible for damage is NOK. 10.000, -.
  • Insurance for loss of keys which covers expenses if you as the cleaner (contractor) loses or otherwise causes the keys to go astray. It will typically be expenditure for the replacement of locks, security, protection, and the like. The sum insured is up to NOK. 300.000, – per claim. Your deductible for damage is NOK. 10.000, -.
  • Crime insurance covering loss suffered by the customer (principal) through criminal acts which can be proven / probable that you as the contractor have performed. Claims must be reported to the police before the matter can be reported as an insurance claim. This ensures that only well-founded claims are made. The sum insured is up to NOK. 10 million per claim. Your deductible is kr. 10.000, -.

Liability and crime insurance secures that you as a contractor with a private registered company has the insurances that are standard and recommended for all companies. It should be particularly noted that the insurance only applies to you as a sole proprietorship. If other people are hired in your company, you and your company will no longer be covered by the collective insurance scheme via Vaskehjelp AS.

Report damage and collect documentation as soon as possible

Feel free to photograph and place these in the damage report. If the damage should be inspected, it is important to take promptly contacts, and do not clear or change the conditions at the scene. However, it must implement the measures necessary to prevent injury or serious damage has increased.

Damages can be reported by both you as a customer and sinks. It is a great advantage if an injury is reported “immediately and without undue delay”, but according to the Insurance Act, an injury be reported within 1 year. It is important that the message of damage specifies:

  • Customer (Principal) registered in the assignment in App
  • Cleaner (Contractor) registered at the mission in App
  • Injury Time, date and time
  • Incident: Address
  • The damaged part: Name, phone number and e-mail
  • What is damaged: Short Description
  • What is believed to be the cause of damage: Short Description
  • It is believed others are responsible for the damage: Name and grounds

The notice is to sent by e-mail at forsikring@vaskehjelp.no, but may also be sent by mail to Vaskehjelp AS, Langelandvegen 6a, 7540 Klæbu.
If the damage is of such sort that immediate contact is necessary, call support telephone 913 70 090

Privacy


Personal data will be treated according to the Personal Data Act. By accepting the terms of app, you give consent simultaneously that your personal data can be used as laid down in the Personal Data Act Chapter II.