But if something were to happen

Trip interruption

• If an interruption to your trip is related to a health issue, see a doctor immediately and take care of your health first. Later, submit a written doctor’s certificate to LHV insurance.
• Contact your travel service provider, airline or hotel as soon as possible to request a reimbursement for unused services.
• If a flight delay causes you to miss your connecting flight, then contact the airline first to see if it is possible to rebook or to obtain a replacement ticket. If you need to buy a new ticket or to find additional accommodation or transport, call LHV travel assistance on 680 1122 to avoid having to spend your own money.
• If necessary, call LHV travel assistance on 680 1122 to ask for advice on what to do in the event of an incident.

Damaged luggage

• If your luggage has been damaged or lost while in the possession of a transport company or airline, then you must first report the incident to the transport company or airline and submit a claim for compensation to them.
• If your luggage is delayed, contact a representative of the transport company or airline and ask for written proof of the luggage delay. If you buy essential items due to luggage delays, keep the purchase receipts and submit them to LHV insurance together with the claim notice.
• If your luggage is stolen, contact the local police and ask for written proof of the case registration.
• If necessary, call LHV travel assistance on 680 1122 to ask for advice on what to do in the event of an incident.

Medical assistance

• If you become ill or get injured in an accident, see a doctor immediately and follow their instructions.
• If you need milder treatment or medication, go to the nearest medical institution.
• If you need hospital treatment, call LHV travel assistance on 680 1122 as soon as possible. We will help you find a suitable medical institution and arrange payment for the necessary treatment.
• If you are injured as a result of a crime, report it to the local police immediately.
• If you see a doctor without first contacting LHV travel assistance, then notify LHV insurance of the loss event as soon as possible by calling 680 1122.

Legal assistance

• If you cause an accident in which someone is injured and criminal or misdemeanour proceedings are brought against you, or a third party makes a claim against you that requires you to seek legal advice, then please notify us immediately by calling 680 1122.

Incidents with rental cars

• If you have a traffic accident with your rental car, register it according to local requirements and submit a copy of the same document to LHV insurance.
• If there is a theft or robbery involving your rental car, call the local police number immediately and follow their instructions.
• If you pay the car rental company the excess amount, keep the expense document given to you. Ask the rental company to provide proof of the existence or absence of valid comprehensive insurance for the rental car and the amount of excess.

• Stop immediately, no matter how small the accident seems to you, and turn on the hazard warning lights to warn other road users of any potential danger.
• If you get out of the car to survey the situation, make sure to put on a reflective vest, as this will help increase your safety.
• If someone has been injured in the accident or there is a risk of fire or environmental pollution, call the Emergency Response Centre on 112.
• Mark the scene with a warning triangle so that it is visible to other road users.
• If there were witnesses to the incident, write down their contact details so that someone from the insurance can contact them later if necessary.
• If the parties involved in the traffic accident have a dispute over who caused the accident, then report the incident to the police. Otherwise, register the accident with a written report. The most convenient way to do this is to use the traffic accident report form.
• In the event of a collision with a wild animal, report the injured or dead animal to the Emergency Response Centre or the Environmental Inspectorate on 1313. You can also report an accident involving wildlife to the Road Information Centre on 1510 or to your local authority.
• If you have an on-board camera in your vehicle, make sure to preserve the video of the incident and what preceded it. Inform LHV insurance of the video.
• Take photos of the scene and any damage, as this will allow you to better capture the situation and help resolve the case more quickly.
• If you are in doubt about what to do, call LHV roadside assistance on 680 1122 for advice. If necessary, we will come to your aid to help you register the incident or to tow the vehicle.
• Notify us of the loss event as soon as possible by submitting a claim notice on our website or by calling 680 1122.