Youth Card

The purchase insurance included with the Youth Card covers all purchases of durable goods made with your Youth Card for a period of 180 days after the purchase. The insurance cover helps in different instances, if the object is broken, has been destroyed or stolen. Read more about the Terms and Conditions of Insurance. Purchase Insurance is offered by If Kindlustus.

Sums insured
In the case of purchase insurance a maximum insured amount is specified for each insured object, insured event and calendar year.

Cover

• Minimum purchase value 100 €
• Maximum purchase value and indemnity for a single claim 5000 €
• Maximum compensation per insured event of electronic equipment is 300 €
• Maximum compensation per year for a single card holder 10,000 €
• Validity 180 days
• Deductible 30 €

What should I do in the case of a loss event?
In the case of a loss event, please complete the If Insurance property damage form. Make sure to write LHV in the form’s insurance policy field.

Documents, which are required for completing the form:

• sales receipt for the object and the card payment receipt
• if the item in question can be repaired, then the repair estimate issued by the repair shop
• if the incident involves a break-in or theft, then a police certificate must be submitted

I Participation
- The “Sajaga edasi” (“Full on with a hundred”) campaign (hereinafter the campaign) is organised by AS LHV Pank (hereinafter the organiser), located at Tartu mnt 2, Tallinn, registry code: 10539549, telephone: 6 800 400, e-mail: info@lhv.ee.
- The campaign will be held between 1 January and 31 December 2020.
- All LHV Youth Card users who are up to 25 years old and have made at least 15 card payments with the LHV Youth Card during the calendar month preceding the prize draw day may participate in the campaign.
- No registration is required in order to participate in the campaign, but the participant must accept the terms and conditions, including giving consent to the disclosure of his or her name on the lhv.ee website, LHV’s online magazine Investeeri, as well as in the e-mail and social media channels of LHV’s client communication, if he or she proves to be the winner.
- Employees of AS LHV Pank and its group companies AS LHV Group, AS LHV Varahaldus and AS LHV Finance and their family members shall not be eligible to participate in the campaign.
- The prize draw is carried out on 12 occasions. The same person may prove to be the winner on multiple occasions.

II Prize
- The campaign prize is 100 euros, and is transferred by the organiser to the winner’s current account in LHV Bank.
- If the winner has activated the micro-investment option, he or she will gain an additional prize of 50 euros, which will be transferred by the organiser to his or her Growth Account. If the winner is a minor who has activated the micro-investment option, the additional prize of 50 euros will be transferred to the parent’s current account in LHV Bank.
- The bank shall not issue the prize in cash.
- The organiser shall raffle the prizes from 5 January 2020 (included) onwards, on the 5th day of the month or the following banking day, in the presence of LHV Bank’s compliance officer.
- The organiser shall inspect compliance with the campaign terms and conditions, and notify the winner within three working days after the monthly prize draw.
- The campaign participant shall be responsible for the correctness of the e-mail address and telephone number submitted to the organiser in his or her customer data. The prize shall be paid out within three banking days after the winner has been contacted.
- Any taxes on the disbursement of the prize shall be borne by the organiser.

III Other
- The campaign participant shall adhere to the rules established and decisions made by the organiser with regard to the campaign.
- In the event of force majeure circumstances, the organiser shall have the right to suspend the campaign without any advance notification or consequences. The organiser shall notify participants of such a suspension via the lhv.ee website or other channel.
- The organiser shall have the right to make any decisions regarding the campaign without giving any advance notification thereof.
- Any complaints with regard to the campaign shall be submitted to the organiser’s postal address at Tartu mnt 2, Tallinn 10145.
- Additional information on the campaign is available by phoning 6 800 400, e-mailing info@lhv.ee and on lhv.ee/noor.