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Terms & Conditions

By using Lainappi Oy:n (Y-tunnus: 3129437-1, including “Lainappi”) services you accept the following (“Terms & Conditions) and pledge to agree to comply with them. It is advised to read through the following Terms & Conditions of Lainappi before using the services. These Terms & Conditions also include rental protection terms, to view the terms click HERE. These Terms & Conditions are originally drawn up in Finnish. If any translated version of these Terms & Conditions conflicts with the Finnish language version, the Finnish language version shall be adhered to.

TERMS LAST UPDATED 30.9.2023. Below are the major recent changes:

  • We have stopped the insurance that previously worked in the service (the insurance maintained by the insurance company Omocom) and replaced it with the rental protection service that works as an additional service in Lainappi from October 1, 2023. The Rental protection service is not an insurance, and it is also not covered by the Insurance Act. Its purpose is to be an additional service and to provide provide for rentals, but it cannot be compared to insurance provided by an insurance company, and Lainappi does not act as an insurance company.

  • Compensation from Rental protectionservice is processed on a case-by-case basis, however, the maximum compensation is limited to 300 euros

  • All vehicles registered for road traffic and e-vehicles, including trailers and trailers, are not covered by rental insurance

  • Theft or damage must be reported to Lainap within 30 days of the end of the rental

From 01.10.2023, the conditions below apply:


 1       General

1.1  “Lainappi-Service” or “services” means providing a digital application, website and other organized services for its “Users”.

1.2  The use of Lainappi or parts of its service requires that the User has first read, understands and accepts the Terms & Conditions. By accepting the Terms & Conditions, registering to the service, downloading the app or by using the service in another form you acknowledge and accept these Terms & Conditions.

1.3  Lainappi reserves the majority of its changes to the Terms & Conditions. If the Terms & Conditions are changed, Lainappi will inform about the changes to the end of the Terms & Conditions, informing also when the change has been done (by date). Reforms to the Terms & Conditions come into force at the earliest when: 

a)  The change has passed seven (7) days; or

b) You are using the service for the first time after change to the Terms & Conditions.

1.4  If you do not accept the Terms & Conditions you are not eligible to use or be a part of the use of the services that Lainappi provides. When taking the service into use, you accept and understand that you do not have a cancellation right. If you want to end the contract of Terms & Conditions you must immediately end the use of Lainappi services, delete your account and the service(s) from your device or request Lainappi service to remove it for you.

 1.5  Applications that enable the use of Lainappi, such as mobile and tablet applications that are available to the User in Apple App Store, Google Play or any other service provider, are subject to that service provider’s terms.


2        Description of the services provided by Lainappi 

2.1 The service enables the registered User (“User”) to rent items from other Users. The Users can rent their own items (“Owner”) and rent items from others (“Renter”). Lainappi service is limited to renting items, which means that offering other services is limited.

2.2 Lainappi service consists of mobile apps and a website which acts as a platform between Users. Lainappi’s purpose is to organize a marketplace for consumers and businesses within a mobile app.

2.3 LAINAPPI AS AN OWNER: Lainappi as an enterprise may act as a party in rentals in Lainappi. Lainappi as an enterprise may be a party in a rental in the form of a rental offer or by renting through the Lainappi box. When renting from Lainappi (enterprise) or when Lainappi as an enterprise rents through the Lainappi service ONLY THEN Lainappi as an enterprise will be considered as a party of a rental. Owner’s and Renter’s responsibilities and obligations are  applied to Lainappi as an enterprise when Lainappi as an enterprise acts as a party of a rental.
However, Lainappi is not a party of any rental(s) when Lainappi as an enterprise does not act as an owner or a renter in rentals that are completed through the Lainappi service. Other sections of these Terms & Conditions correspond to the use of the Lainappi service when Lainappi only acts as a service and Lainappi as an enterprise does not act as a party of the rental. 


2.3.1 LAINAPPI BOX: A renter adheres to:
a) Checks their rental request carefully before sending it

b) Handles the rental item(s) carefully and in its proper use to avoid damage

c) To reimburse an item if the item gets damaged for any other reason than normal wear and tear. The renter is responsible for any and all costs of repairing, reimbursing or replacing the item

d) Notifies Lainappi immediately if any damage occurs

e) Returns the rental item(s) as agreed


2.3.2 LAINAPPI BOX: Lainappi box / Lainappi as an enterprise:
a) Owns the rental item

b) Adheres to provide accurate and necessary information in the rental offer

c) Provides instructions and other essential information of use regarding the rental if necessary

d) Is not liable for any damages resulting from the renter’s use of the rental item(s)

2.4 The provisions of the Consumer Protection Act concerning the 14-day right of withdrawal for home and distance sales and the collection of a returned product do not apply to a contract for the rental of items.


3        Registration

3.1 The use of Lainappi-Service requires registration in accordance with the instructions given in the service. Lainappi-Service is prohibited for minors (under 18 years old). It is prohibited to register if the User is under the age of 18.

3.2 Registration to the service requires accepting these Terms & Conditions. By registering to Lainappi you accept the following Terms & Conditions:

a)  You are at least 18 years old and your legal capacity is not limited;

b) Lainappi has the right to inform its user’s about usage of the service and matters regarding rental items by email and by push-notifications. 

c) The information given by the User is accurate, truthful, sufficient and fulfil the requirements of Lainappi’s Terms & Conditions. Registering a User to Lainappi with someone else’s credentials or other incorrect information is strictly prohibited. Lainappi does not take any responsibility of damages caused by falsified or inaccurate User information; 

d)  You maintain and update your information if they change;

e)  An individual may only have one registered account. You acknowledge that your account and login details are personal and confidential. You agree to protect your account information and other corresponding information that may give access to the service;

f)  If you suspect your User information or data, which will make it possible to access the User's account without authorization of the use of a third party, the User must immediately inform to Lainappi;

g)  You are fully responsible for activities performed on your account in Lainappi-Service.

h) the disclosure of the information referred to below does not remove the “User's” responsibility for the actions performed on the User account; and

i)  You agree to comply with other terms of this agreement.

3.3 Lainappi reserves the right to change the Terms & Conditions of this Agreement.


4        Interaction with other Users

4.1 You are solely responsible for your actions with other Users, regardless if the interaction takes place online or face to face. You agree to take precautions when interacting with other Users.

4.2 You acknowledge that in principle Lainappi does not review the Users actual individual nor their added content, however Lainappi has the right to remove content if it is against the Terms & Conditions of this Agreement.  Lainappi is not responsible for third parties such as content added by Users or damages resulted by that. Users and Lainappi’s responsibilities are discussed more specifically in sections 6 (“Users responsibility of content”), 7 (“Misuse of service and User responsibility”), 10 (“Owner and Renters responsibilities and duties”) and 11 (“Lainappi’s responsibilities and obligations”).

4.3 You commit to release Lainappi of all responsibilities and damages that are caused by “User’s” (including you) behaviour when using Lainappi-Service. The previously mentioned freedom of responsibilities include any type of direct, indirect, specific and/or arbitrary and other similar damage including all financial losses, trauma, injuries, emotional difficulties and/or other damage that may be caused by any kind of interactions, agreements or behaviour with other Users or individuals that you encounter when using Lainappi-Service.


5        Rental offer

5.1 Rental offer should describe the specific items which are being rented. (“Rental offer”) The User is solely responsible for the rental offer, including the acceptability and lawfulness of the content of the rented item in question. Users should notably respect third party's copyright and intellectual property rights. Each of the “Users” (including you), who publishes a rental offer is solely responsible to which category(s) the item will be classified to. Inserting a rental offer to a specific category is conducted by the User, thereby Users acknowledge that Lainappi is not able, in any circumstance, to verify the viability of the category, the origin or authenticity of the item.

5.2 The User must either fully own the "rented item" or he/she has to have the necessary rights to rent the item, so that he/she is entitled to do a rental offer and offer items to rent for others in Lainappi service.

5.3 Lainappi does not interfere with the content of the actual rental agreement, because the rental agreement is an agreement tied between the “User’s”. However, Lainappi offers a rental agreement template to Users on its website and application that Users can utilize when making an agreement. Utilizing the rental agreement template does not make Lainappi part of the agreement nor does it make Lainappi responsible in any circumstance.

5.4 The rental agreement template offered by Lainappi is not intended to cause any kind of professional, legal or other advice, legal opinion or agency relationship, and it should not be considered or interpreted as such.

5.5 The Rental offer must distinctly express the main terms of the rental offer including but not limited to the following information:

a)      Price of the rental offer. The Renter must submit the total price of the items, including tax;

b)      The location of the items / User;

c)      Other essential terms in renting. 

5.6 The publisher of the rental offer is solely responsible for the information he/she decides to provide in the rental offer. 

5.7 Lainappi-Service’s purpose is to solely rent items. Offering services is prohibited.


6        Users responsibility of content

6.1 The User is solely responsible for the material and information (“Content”), which he/she posts or in other ways transmits to another User via the Service. The User agrees not to post illegal or prohibited content to other Users. Prohibited material includes the following content:

a) Is offensive, threatening, improper, profane, abusive or which provokes racism, hate or any kind of damage or harm to any individual;

b)  Disturbs or encourages harassment of other individuals;

c)  Involves forwarding trash mail, spam or other mass communication;

d)   Involves information or knowledge, which you know or should know by reason

e)  Involves or contributes to the access to material or to forward material that offends or violates another individual’s rights, which includes intellectual property, property rights and rights regarding privacy, however not limited not the aforementioned list. 

f)  Involves secret or restricted login to a third-party website that includes a password; 

g) Request login or personal information from other Users for commercial and illegal purposes; and

h) Involves or offers the access to material where underaged individuals in a sexual or violent manner;

i) Provides guided information or knowledge of illegal activities, such as the transmission of firearms, drug production, virus production and or distribution.

j)  Enables commercial activities, competitions, raffles, pyramid schemes or advertising to be organized without separate written permission;

6.2 Lainappi reserves all rights to delete or modify content without a separate notification which it considers inappropriate in its sole discretion.


7        Misuse of the Service and User’s responsibilities

7.1 The use of Lainappi-Service for any illegal or against the Terms & Conditions is strictly prohibited. In addition, it is prohibited to use Lainappi-Service in a manner that may damage, prevent, overload or harm the function of Lainappi or the operations that take place through the service. The use of Lainappi-Service may not damage, prevent, overload or cause harm to the User experience.

7.2 You acknowledge and agree that Lainappi may monitor and delete any Content, messages or other material, which has been posted or sent via the Service. Lainappi is able to administer and if need be, prevent or delete Users, who violate the Terms & Conditions, active laws or by actions that result in harm to other Users. Lainappi has the right to delete Users who act against the Terms & Conditions immediately and or reject or cancel every activity, whether the User inflicts harm to the Lainappi-Service, to another User, to Lainappi or Lainappi's employee.

7.3 You acknowledge that you are solely responsible about what you post, how you communicate or what kind of items you rent via the Service, despite whether you collaborate or commerce with them. A list of examples of Lainappi-Service's illegal or incorrect usage can be found in the section 8 ("A list of examples of prohibited Lainappi-Service mode of operation") of the Terms & Conditions. A list of examples of prohibited Lainappi's Service items may be found in section 9 ("A list of prohibited items") of the Terms & Conditions.


8        A list of examples of prohibited Lainappi-Service mode of operation

8.1 The following Lainappi-Service misuse or illegal use is prohibited: 

a) Degrading, defamatory, disturbing, threatening, persecutory, dangerous or otherwise  violating legal rights of a third-party;

b) Inappropriate, profane, immoral, otherwise unsuitable or illegal information, name, title or other downloading, publishing, posting, displaying, offering, forwarding, spreading of material.

c) Providing files, software or other material protected by intellectual property rights or the protection of publicity and privacy, unless you own or control the rights to those rights or have obtained the necessary permits or consents to do so;

d)  You are not allowed to upload, post, display, offer, forward or spread files that contain viruses, corrupted files or anything else that may damage the software, application or other devices;

e) You may not market, offer to sell or buy goods if you engage in business activities unless the Terms & Conditions specifically permit similar content;

 f)  Attempting unauthorized access to the data, User accounts, systems or data network of Lainappi or other Users or operators;

g)  All attempts to search or test the vulnerability of Lainappi’s or any Users, suppliers or other parties system or network; 

h)  Harassment or attempted harassment of Users of the Service, Lainappi’s or its network, including the sending of spam and the deliberate overloading of the system (including, for example, mail bombings and floods);

i)  Forgery of address information or alteration of e-mail headers to conceal the true identity of the sender or recipient;

j)  Use of any service or application owned by Lainappi that violates the terms of any other network connection provider or Internet service.

k) Taking over or collecting third party data without the express consent of the third party. Such information may be, for example, name, e-mail address, telephone number or other similar personal information.

l) Display or offer items to the public that are on the list of prohibited items;

m)  Use of the Lainappi service if you are unable to commit into legally binding agreements or if your right to use the Lainappi service is specifically restricted;

n)  Circumvention or manipulation of Lainappi’s payment structure, invoicing process or payments due to Lainappi;

o)  Measures that undermine the feedback or rating systems of Lainappi, including actions that use or process information obtained through the feedback or rating system for purposes other than the use of the Service; 

p) Transfer of a User Account or Member ID without the consent of Lainappi;

q) The use of Lainappi Service in a country or state where Lainappi's activities could be considered subject to licensing or illegal; and

r)  Other similar misuse, fraud or illegal use.

8.2 To clarity, the above list of examples is not an exhaustive representation of the prohibited uses of the Service.


9        List of prohibited items

9.1 The following is a non-exhaustive list of goods, objects or substances prohibited in the Lainappi service: 

a) Alcohol, tobacco and nicotine products and other permits requiring substances such as certain chemical products.

b)  Drugs, supplies for the use or production of drugs; prescription drugs

c)  Animals or animal products 

d) Artefacts, grave related items and remains, body parts, political relics, products that are manufactured by using endangered animal species (CITES-species);

e)   Motor vehicles (excluding Light Electric Vehicle), catalytic converters and test tubes; 

f)    Mobile phone service packages and contracts;

g)   Contact lenses, pacemakers and surgical equipment;

h)   Cosmetics and other hygiene products;

i) Currencies, counterfeit currency, equipment to counterfeit currency, such as, stamps and credit cards; 

j) Works for which the rental and lending rights do not expire on the first rent. Such prohibited items include, for example, films, books, e-books, game recordings and sound recordings, for which there is no separate permission from the right holder. The restriction also applies to pirated and other material that violates copyright law;

k) Surveillance equipment such as tapping devices, signal jamming devices, spying equipment, television and other equipment’s jamming devices, radars and traffic control devices, burglary equipment or other related items and equipment;

l)  Event tickets, gift cards, discount coupons, discount codes. 

m) Firearms and its equipment, firearms replicas, edged weapons and other power devices such as pepper sprays and paralyzers;

n) State documents, personal IDs and certificates such as driver’s license, ID’s, employee ID’s, access keys, passports, badges or other certificates;

o) Items related to government transportation such as airplanes manuals, public transportation driver’s manuals and uniforms, transportation equipment for the mail and other uniforms;

p)  Harmful material such as batteries, fireworks, freons and other chemical substances;

q)  Items that encourage illegal activities such as e-books that describe the production of drugs;

r)   Mail lists, inhabitant records and other personal information containing personal information;

s)   Army, police or office related items and other government controlled or restricted property;

t) Insulting, unsuitable or illegal material, such as ethnically or racially offensive material, pornography, child pornography or other material or items that are unsuitable for minors.

u)  Pesticides and other biocides;

v)  Properties, including buildings, lands and share of stock in a housing co;

w) Items that are tied to mortgage or lien, items that are withdrawn from the market and confiscated items;

x) Postage stamps, and other stamps; y) Shares, derivative contracts, promissory notes and other commercial papers;

y)  Shares, derivative contracts, promissory notes and other commercial papers.

z) Stolen items. One of the hallmarks of stolen property can be, for example, traces of the removal of the serial number. Please, do not rent items if you suspect they have been stolen; and

aa)  Grass, weeds, seeds, sprouts, fruits, vegetables and any other groceries 

9.2 For the sake of clarity, the above list of examples is not an exhaustive representation of the goods prohibited by the Lainappi Service.

10.       Owner’s and Renter’s responsibilities and obligations

 10.1 The Renter or another User who wishes to do a reservation request for an item ("Reservation request"), pledges to review carefully the reservation request, the rental notification specified in section 5 of the Terms & Conditions ("Rental notification") and the rental agreement before sending or accepting a reservation request. If the Renter wants to suggest changes to the terms of a reservation request, any changes in the agreement must be done within the reservation request so that these changes constitute a counteroffer to the Owner to accept. For the sake of clarity, the Owner is not obligated to accept the changes proposed by the Renter.

10.2 The Owner may freely either accept or decline the reservation requests. Once the Owner has accepted a reservation request, the Owner and the proposed Renter may agree to the rental terms via rental agreement. For the sake of clarity, Lainappi is not a part of the rental agreement made between Users.

10.3 In the event of a damage of the rented item during the rental period, the Renter is liable -in the event of a conflict, where the rental protection service does not cover occurred damage, to compensate the present value of the leased property, unless the Renter has verifiable evidence that the property has not been damaged during the rental period. The present value is based on the current resale value of the corresponding product.

10.4 As a Renter you are not permitted to give the rented item to others without the consent of the Owner. It is forbidden to give the rented item to those who do not have the rights to use the item.

10.5 As a Renter you acknowledge that you are solely responsible to inform the Owner of possible damage. The Renter adheres to handle the rented item with caution to minimize damage and harm. The responsibilities and terms of the rental agreement made by the Renter and Owner may be further discussed in the rental agreement.

10.6 The Owner and Renter are solely responsible to adhere to the reservation request. The Owner commits to fulfil their obligation, such as to make sure that the listed items are available on the marked date and time and that the listed item represents what has been listed.

10.7 The Owner and Renter acknowledge that the responsibility to agree on the terms of the rental occasion, circumstances, rules, restrictions, and other factors, which affect the rental agreement are a legal act between the Owner and Renter.

10.8 Lainappi recommends that Users read through the rental protection terms which can be found from the end of the Terms & Conditions.


11        Lainappi’s responsibility and obligations 

11.1 The Lainappi service operates as a platform and a marketplace, which has been designed for Users that want to rent their or other’s items. Lainappi is not a middleman or representative of a Renter or an Owner. The purpose of Lainappi is only to facilitate access to the marketplace for Renters and Owners and to provide related services. Lainappi offers a payment service, but is not considered to be a party in the legal acts between Users. However, Lainappi as a company may act as an Owner or Renter, which is discussed in more detail in section 2 (“Description of the services provided by Lainappi”) of these Terms & Conditions.

11.2 Lainappi cannot be held accountable for rental agreements made between the Users. Lainappi takes no responsibility for the item’s quality, safety, legality or the truthfulness or precision of a rental offer. Furthermore, Lainappi does not take responsibility for the Owner’s eligibility to rent items they have listed or the Renter’s eligibility to rent or to pay for the rented items. Lainappi, as a third party, cannot guarantee that Users adhere, partially or fully, to Lainappi’s Terms & Conditions.

11.3 Lainappi has no obligation to offer Users a rebate or refund for reservations made in the application in case the Renter or Owner neglects their obligations described in their rental agreement. Lainappi takes no responsibility for damages that occur during the rental period and is not obligated to take part in solving them. Lainappi is not obligated to compensate User’s for the incurred damage.

11.4 Lainappi is not responsible for double rental reservations on an item which has been listed as a rental offer. Furthermore, Lainappi is not responsible for late returns or payment delays which are caused by “Users”. Lainappi recommends that Owners leave enough time between approved reservation requests to get the item(s) back from the previous Renter.

11.5 Lainappi is not responsible for the listed item’s condition. Lainappi recommends that the “Owner” and “Renter” inspect the item before signing a rental agreement and making sure that the exchange of the item takes place in person. Lainappi recommends that the Owner verifies the identity of the Renter before handing over the item.

11.6 Lainappi is not responsible for the possible deposit or collecting, apprehending, or returning a rent deposit of the “Owner” or “Renter”, or exacting an “Owner's” or “Renter’s” debt or performance.

11.7 Within the Lainappi-Service, third party sites and services may in some places be referred for example in the form of internet links. However, Lainappi is not accountable or responsible for these third-party websites, in which you may end up through the Lainappi-Service, or damage caused by them.

11.8 Lainappi is not liable for breaches of agreements due to circumstances beyond Lainappi’s control (force majeure).

11.9 Lainappi is not an employment service and does not operate as an employer for its Users. Lainappi is not responsible for the payment of taxes, withholding taxes or tax-like payments (including, but not limited to, employer’s liability, social security, withholding tax or income or VAT) in connection with the use of the Service. You understand and agree that if Lainappi is found to be liable for any tax or withholding tax arising out of your use of the Service, you must immediately reimburse Lainappi for the corresponding amount, including any interest and any administrative penalties. Lainappi reserves the right to set off the above-mentioned payments from the User to the User under the Terms & Conditions.

ei saa vuokrata
prohibited items
ottaja & antaja vastuu

12        Payment terms 

12.1 Accepting a rental reservation requires the submission of a valid credit card or information of other means of payment to Lainappi or to an external payment service provider used by Lainappi. Alternatively, Lainappi or a third-party service provider may have your payment information saved from a previous transaction. Lainappi will only save your payment information with your permission. Saving the information makes it easier to make future rentals.

 12.2 Our Privacy Policy governs the processing, storage and use of information you submit to us, including credit card billing information. See our privacy policy at: See also section 20 (“Privacy and Privacy”) for more information on our privacy policy.

12.3 You agree to pay for every item you rent via the Lainappi-Service. You are required to keep your account’s credit card and other payment information up to date.

12.4 The Owner and Renter commit to adhere to the Terms & Conditions of Stripe Inc. and MobilePay, which operates as a payment service provider. A third-party payment service provider enables monetary transactions between the Users and between the Users and Lainappi. If the Owner accepts the rental reservation sent by the Renter, the Renter’s credit card (or other means of payment) is charged for the amount, which has been agreed upon in the rental agreement. If the Owner does not accept the rental reservation you will not be charged for the retainer. When the transaction has been approved the funds will be delivered to the “Owner” according to the Terms & Conditions of Lainappi, Stripe Inc and MobilePay.

12.5 If you cancel your reservation request before the “Owner” has accepted it, Lainappi will approve your cancellation without expenses. A confirmed reservation request is binding and cannot be canceled if approved.


13        Pricing of the service and service fees

13.1 Downloading Lainappi-Service, creating rental offers, and browsing the Service is free. Lainappi charges a transaction fee for the Service for enabling the rental actions via Lainappi-Service. The transaction fee is charged from the “Owner” who determines his/her price of the rented item. As a “Renter” you comply to pay the amount the “Owner” has mentioned in the rental offer if you choose to rent the item. Additional services discussed below may also be charged. The User adheres to the following payments to be made from the Service. 

13.2 Individual

a) The “Owner” is charged 20% of the total amount the “Renter” pays for the rented item. The “Owner's” service fee is deducted from the total amount of rent paid by the Renter before the residual value is credited to the “Owner”.


13.3 Business/Company

a) The “Business/Company” is charged 15% of the total amount the “Renter” pays for the rented item. The “Business/Company's” service fee is deducted from the total amount of rent paid by the Renter before the residual value is credited to the “Business/Company”.


14        Handing over the rented item, occupation during renting and returning of the item

 14.1 The “Owner” adheres to hand over the item in good condition or in the mentioned condition, cleaned and to deliver the item in time. The “Owner” has an option to specify the condition of the item in the “Rental Agreement Template”. We recommend documenting the condition of the rented items (photos & videos with time stamps). You will find a template for a “Rental Agreement” within the Lainappi-Service. It is essential for the “Owner” and “Renter” to inspect the item’s condition, if  a “Rental Agreement” has been made, before renting. It is the Renter’s responsibility to check the item’s condition and that it matches the described condition in the rental offer.

14.2 The Renter adheres to use, maintain, and store the rented item(s) appropriately and carefully, according to the instructions given by the Owner and the manufacturer. It is forbidden to modify the rented item without the express permission of the Owner.

14.3 As a Renter you are responsible for returning items you have rented to the agreed location and date in the same condition as you received the item before your possession of the item, excluding normal wear and tear. You understand and agree that as the Renter you are responsible for your own acts and omissions, and you are also responsible for the acts and omissions of all persons who you allow or grant access to use the rented item(s). You warrant that Lainappi is not responsible for any damage to the item(s).

14.4 The Owner cannot terminate the rental contract during the rental period, if not expressly mentioned in the rental contract.

14.5 The rented item(s) may not be serviced or repaired, and parts and accessories may not be replaced without the prior consent of the Owner.

14.6 The Owner keeps full Ownership to item(s) he/she decides to rent. The Renter must immediately inform the Owner if the rented item(s) are subject to foreclosure, collection, pledge, mortgage, or seizure. The rented item remains as the Owner’s personal property, even if it could otherwise be considered as a component or prop of a property.

14.7 The Owner is not responsible for any direct or indirect loss or damage that is caused by the Renter’s actions or use of the rented item. Thus, the Renter acknowledges that the damage and loss resulting from the use of the rented item(s) will remain as the Renter's detriment, unless the damage is caused by the Owner's flagrant or willful misconduct.

15        Disagreements and solving them

15.1 The Users are encouraged to solve disputes between Users by negotiating. Users acknowledge that Users are solely responsible for conflicts between Users and solving any conflicts or disputes by the involved individuals or Users (Owner and Renter). Lainappi is not involved in the Users’ (Owners and Renters) rental contract, thus not being a party in the dispute. However, if need be, Lainappi may contribute in solving the dispute by revealing information about the content of the rental offer or transaction to reach an agreement. You understand that Lainappi is not responsible for solving or helping to solve disputes or conflicts.

15.2 Lainappi as a third-party is not accountable for any costs incurred in a dispute between Users, such as legal fees and other legal costs.


16        Feedback

16.1 Lainappi will gladly receive feedback, comments, or suggestions to further improve the Lainappi-Service. You may send us feedback via email, through Lainappi-Service or by other means of communication. Lainappi receives the copyright and other intellectual property rights related to the feedback received free of charge. You acknowledge that feedback Lainappi receives will be held as property of Lainappi and non-confidential. Subject to the restrictions on the use of personal data set out in Lainappi’s privacy policy, Lainappi is free to use and / or distribute the materials submitted without restriction for any purpose.


17         Limitations of responsibility and warranty 

17.1 To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless Lainappi, and its Owners, board members, CEO, employees, agents, agents, suppliers, licensors, principals, from all losses, claims, causes of action, obligations, liability, accountability and damage, liability including any indemnified legal costs arising out of the use of the Service, activities related to you, or any breach of any section of these Terms & Conditions.

17.2 Lainappi makes no warranties or other representations about the service it provides, the content of the services, the functions of the services, their reliability, availability, or ability to meet your needs. Lainappi disclaims all liability and warranties which are not expressly represented in these Terms & Conditions. Lainappi is not responsible for interruptions or damage caused by interruptions within the Lainappi service. Furthermore, Lainappi is not responsible for technical defects, maintenance or installation operations or loss, change of data included in the Service caused by system load or other data transfer problems caused by third parties. You acknowledge that access to and use of the Service may be restricted if it is updated, the Service becomes congested, something unexpected happens or for other reasons.

17.3 Lainappi is not responsible for the accuracy, timeliness, completeness, or suitability to a certain purpose and does not give any warranties or guarantees related to the presented information within the Service. Lainappi is not responsible for any damage caused by third-party websites, or services, which you may end up in through Lainappi service.

17.4 Notice that Lainappi’s responsibility is discussed particularly in section 11 (Lainappi’s responsibility and obligations”) of the Terms & Conditions.


18        Validity and dismissal 

18.1 These Terms & Conditions are effective between Lainappi and its “User” for as long as the “User” has an account in Lainappi-Service. Users may discontinue using the Lainappi service whenever. You may close your Lainappi account whenever, by following the instructions given within the Service. Termination of the Terms & Conditions does not excuse you to neglect ongoing or accepted reservation requests and terms related to them. Please note that terminating the Agreement between Lainappi and you will not relieve you of any legal action taken with other Users, such as a rental contract.

18.2 Nor does the termination of the contract nullify any conditions which, by their nature, are intended to remain effective after the expiration or termination of the contract. These terms, which stay effective despite terminating the contract are, but not limited to: Responsibilities described in the Terms & Conditions, indemnities, form of damage, data protection, settlement of disputes, protecting property rights and typical terms, which are discussed in sections 6 “User’s responsibility of Content”, 7 “Misuse of the service and User’s responsibilities” 10 “Owner’s and Renter’s responsibilities and obligations”, 12 “Payment terms”, 13 “Pricing of the Service”, 17 “Limitations of responsibility and warranty”, 18 “Validity and dismissal”, 19 “Intellectual property rights”, and 22 “Other Terms & Conditions”.

18.3 Lainappi may terminate the upkeep of the Lainappi service permanently or temporarily at any time and for any reason. If the upkeep of the Service is suspended or terminated, the User is no longer entitled to use the Service.


19        Intellectual property rights

19.1 Intellectual Property Rights means copyright and related rights (including, but not limited to, protection of photographs, catalogs and databases), patents, design rights, utility models, trademarks, commercial names, trade secrets, know-how and any registrable or unregistered intangible rights.

19.2 All intellectual property rights (for example, copyrights and related rights to text, graphics, images, data, software, sound and other files, or the selection and presentation of intellectual property rights) to the Lainappi service or related content, information or parts thereof are the sole property of Lainappi and / or its subcontractor’s or licensor’s property. Lainappi does not grant any intellectual property rights to the Lainappi service to Users or third parties in the Terms & Conditions. The Subcontractors and Licensors of Lainappi shall reserve all rights not expressly granted in the Terms & Conditions.

19.3 You agree not to use any Intellectual Property Content except to use the Lainappi Service in accordance with these Terms & Conditions. No part of the Lainappi Service may be copied, reproduced, modified, mirrored, shared, downloaded, posted, sent, republished, or sold in in any form, in whole or in part, or by any means, except as expressly permitted in the Terms & Conditions. You may only use the Lainappi Service by means expressly approved in the Terms & Conditions.

19.4 You may not use any data mining, robot, scraping or similar data collection or retrieval methods to obtain the Service Content. By using the Service, you grant Lainappi Ownership and other rights to all information you provide free of charge. Subject to the restrictions on the use of personal data set out in Lainappi's data protection policy, Lainappi is free to use and / or distribute the materials submitted without restriction for any purpose.

19.5 Access to the service and its use does not issue or grant you the right or license to reproduce or by other means to use Lainappi’s name or any trademarks, service marks, designs or logos of Lainappi or a third-party.


20         Data protection and Privacy 

20.1 Lainappi processes Users' personal data in accordance with the terms of the data protection, data protection legislation and data protection policy. Lainappi’s Privacy Statement and Privacy Policy are available at By using the Service, you agree to the terms of this Privacy Policy.


21        Applicable law and dispute resolution

21.1 These Terms & Use are governed by the laws of Finland, excluding its choice of law regulations and apply only inside Finland. These Terms & Conditions have been prepared in accordance with Finnish law. 

21.2 Lainappi always seeks to resolve disputes concerning the Terms & Conditions or the Service by negotiation. If a negotiated solution cannot be reached on the subject matter of the dispute, all disputes arising from these Terms & Conditions between the Users and Lainappi shall be finally settled in arbitration in accordance with the rules of the Arbitration Board of the Central Chamber of Commerce. The place of arbitration is Tampere, Pirkanmaa and the language of the proceedings is Finnish. The judgement of the arbitrator shall be final, binding both Parties and may be enforced by any court of competent jurisdiction. Unless otherwise provided by the applicable law, each party shall cover its own costs, regardless of which party is considered to be the dominant party to the arbitration proceedings.


22        Other Terms & Conditions 

22.1 This Agreement is originally drawn up in Finnish. If any translated version of this Agreement conflicts with the Finnish language version, the Finnish language version shall be adhered to.

22.2 These Terms & Conditions form the entire agreement between Lainappi and you replacing previous conversations and correspondence regarding the Lainappi service between parties.

22.3 If any part of these Terms & Conditions is held to be invalid or unenforceable, that part will be amended to comply with applicable law to the fullest extent possible to reflect the original intentions of the parties, and the remaining parts will remain in full force and effect.

22.4 If Lainappi does not utilize any right under these Terms & Conditions, it will not result in a waiver of that right or any other right.

22.5 When interpreting the Terms & Conditions, the content of the Terms & Conditions takes precedence over the title of the Terms & Conditions. The Contra proferentem rule applicable to the interpretation of the agreement shall not be applied to the detriment of the author of the Terms & Conditions. The User is obliged to read the contents of the Terms & Conditions carefully before accepting the Terms & Conditions. The Terms & Conditions have been prepared for the benefit of Lainappi and the User, as the Terms & Conditions set out and specify the rights and obligations of the parties.

22.6 You agree to comply with all local, regional, and national laws, regulations, ordinances, and regulations applicable to your use of Lainappi.

Lainappi - Terms of Rental protection service

TERMS LAST UPDATED 30.9.2023. Below are the major recent changes:

  • Compensation from Rental protection service is processed on a case-by-case basis, however, the maximum compensation is limited to 300 euros

  • All vehicles registered for road traffic and e-vehicles, including trailers and trailers, are not covered by rental insurance

  • Theft or damage must be reported to Lainap within 30 days of the end of the rental

From 01.10.2023, the conditions below apply:


Lainappi Oy ("Service Provider") offers a rental Rental protection service. The Rental protection service is not an insurance, and it is also not covered by the Insurance Act. Its purpose is to be an additional service and to provide provide for rentals, but it cannot be compared to insurance provided by an insurance company, and Lainappi does not act as an insurance company. These rental protection service terms and conditions apply to the customer ("Rentee" or "Renter") who has entered into a lease agreement for the property in the service of a provider of peer-to-peer rental services  with the property owner ("Lessor" or "Beneficiary"). Among the parties to the leases,  in these terms and conditions of rental protection together the term "Group".

The damage caused to the rented property will be compensated to the Lessor primarily  from the renter's own insurance.

This rental cover replaces property rented in accordance with these terms  damage to the lessor's deductible or other damage in these  sudden and unforeseeable damage defined in the rental protection service conditions, caused by the rented  the property's own insurance does not cover and for which the Renter would be with the Renter  responsible to the Lessor based on the lease agreement he has entered into.

1. To whom the rental protection service applies



Rental protection service is only valid,  if the renter and the Beneficiary comply with the Service Provider's terms of use and make the rent payment in the Lainappi service.

2. When is Rental protection service valid 

Rental protection service covers damages and usurpations that occur during the rental period (rental period).  Rental protection service is valid for the rental period, if the service fee has been paid within the service. Rental protection service is valid  maximum 30 days of the end of the rental.  

2.1 Continuation of Rental protection service

Rental protection service cannot be extended.  

2.2 Termination of Rental protection service

The lessor can terminate the Rental protection service at any time by notifying Lainappi Oy electronically or in writing.

3. Where Rental protection service is valid 

Rental protection service is valid for damages to rented property in Finland. 

4. What does Rental protection service cover 

Rental protection service covers the property and its equipment as follows: 

4.1 Deductible  

In cases where damage, loss or theft of property belongs to other rented  to the compensation scope of property insurance coverage (for example, home, business or vehicle insurance),  the insurance covers the property insurance less the Beneficiary's insurance compensation  deductible up to three hundred  up to (300) euros. 

4.2 Sudden and unforeseeable damages 

If the rented property is not covered by the Lessor's insurance under section 4.1 Liability  in accordance, the insurance covers theft of property in accordance with these Rental protection service conditions,  due to loss or other sudden and unpredictable damage  damage up to a maximum of three hundred (300) euros.  

Compensation cannot be paid from the Rental protection service, and section 4.1. Deductible that section 4.2 Sudden and  unforeseeable damages based on the same damage event.  

4.2.1 Property excluded from sudden and unpredictable damage.

The list is not exhaustive, and other goods that are not listed in this list can be considered on a case-by-case basis to either be included in the scope of rental Rental protection service or excluded from the scope of Rental protection service. Rental protection service does not cover the following property:

• Motor boat 

• Sailboat 

• Jet ski 

• All vehicles registered for road traffic and e-vehicles including trailers and trailers

• Aircraft including drones 

• All motorized vehicles

• Weapons and weapon parts  

• Jewelry, genuine pearls, precious stones and watches  

• Already damaged property 

• Live animals 

• Tobacco and alcohol 

• Cash and securities 

• Antiques

5. What the Rental protection service does not cover  

5.1 War, terrorism and riot  

Compensation is not paid for damage the occurrence or extent of which is directly or  indirectly from war, war-like event, civil war, revolution,  of insurrection, riot, terrorism, sabotage or those who seized power without authorization  of or related to the activities.  

5.2 Scratches, wear and tear and damage caused by slowly developing events

Compensation is not paid for damages that arise or are the result of 

• change due to age 

• change in color or shape 

• from rubbing 

• wear and tear

• from mold 

• from the coating 

• insufficient maintenance or treatment 

• other damages that do not affect the operation of the property, such as superficial  from scratches and dents 

5.3 Consumables and natural wear 

Rental protection service does not replace  

• damages concerning consumables or consumable tools 

• natural wear and tear due to use or aging 

However, this limitation does not apply to fire damage or if the Beneficiary or  The policyholder can prove that the damage was caused by a sudden and unexpected  for an external reason, regardless of whether the property has been in use.  

5.4 Force majeure  

Lainappi Oy (Service Provider) is not responsible for any loss that may arise if the damage report,  payment of compensation or restoration of damaged property is delayed  for the following reasons 

• war, war-like event, civil war, revolution, rebellion or riot 

• labor market dispute - also applies if the insurance issuer has undertaken  industrial action or is subject to them 

• confiscation or nationalization  

•a force majeure such as a natural disaster

• confiscation, destruction or damage to property by the government or  by order of the authority.  

5.5 Supplier's guarantee 

The Rental protection service does not apply to such property defects for which the supplier or other party is  responsible based on a special law, guarantee or other similar commitment. Compensation  can, however, be performed if the Service Provider or the beneficiary can demonstrate that  the responsible person or his home insurance will not compensate or pay for the damage. 

5.6 Liability to third parties 

Renter's Rental protection service does not apply to liability that the renter of the rented property or the rented  the other possible user of the property has towards third parties.  

6. Duty of care  

The Renter and the Renter must, as far as possible, prevent damages  birth.

During transport, the property must be packed and protected in such a way that the risk of damage is minimized  small.

The vehicle or trailer must be locked and the windows, doors and other  the entrances must be locked. Property must be separately locked when stored  the so-called in common areas to which, for example, residents of the housing association have access.  

Jewelry or other valuable or theft-prone items must not be left visible in the vehicle or trailer  objects, unless they are there in a separately locked space.  

The keys are not left or hidden near the vehicle or trailer or their storage facilities.  

The keys must not be marked with a name and address that could reveal the property to the finder of the key  location.  

The lock must be replaced or re-serialized immediately if the key has been tampered with by outsiders  in possession.  

To prevent damage from theft, keys must not be stored in plain view or in such an unlocked  in a place where the outsider knows in advance or can assume the keys are. 

7. Notification of damage 

The damage must be reported to Lainappi Oy as soon as you become aware of the damage. The announcement is made  Through the service provider's application or notice on its website. If you have  questions, please contact us by email at

In case of damage, you must provide  

• completed damage notification form

• a copy of the criminal report in case of theft or other crime 

• a copy of the receipt or other purchase document 

• a copy of the primary property insurance company's compensation decision 

7.1 This is how damage is compensated 

After you have reported the damage to Lainappi Oy, Lainappi Oy decides how to compensate for the damage. The damage can be compensated by repairing the property, replacing the property with similar property or monetary compensation. If it is decided to repair, Lainappi Oy has the right to decide  about the repair method.  

If Lainappi Oy has agreed that the damage will be compensated by repair, contact us for a reliable  to the repair shop you are looking at and request a price quote for Lainappi Oy's approval. At Lainappi Oy  then has the right to decide where the property is repaired or where it is purchased. As the owner of the property, you must, with Lainap's consent, order a repair and accept the work done or complain about it.

For small procedures, such as self-performed repairs, washing textiles and small painting jobs, compensation can be paid as self-made work. Own work means  material costs and fixed costs for time spent on work.  

In connection with the repair, it is primarily necessary to choose used parts. If the market does not have  available used part at the time of compensation, you can receive as compensation an amount which  the part used would probably have paid.  

If the goods are not repaired, Lainappi Oy considers the difference between the market value before the damage and the market value after the damage to be a loss, i.e. a decrease in value. At market value Lainappi  means what it would cost to buy a similar property in the same condition as the damaged property, or if not available for purchase, what it would likely have cost if it  would have been available for purchase. 

If you do not follow Lainappi Oy's instructions presented above, Lainappi's liability is limited to the costs that would have been incurred if the instructions had been followed. 

8. Rules for damage assessment  

8.1 Age reductions

Damage or loss of property is valued at the amount that the property  restoration costs, taking into account its fair value. Fair value means  the value of the property, taking into account the age and condition of the property at the time of the damage. 

The property is assessed according to the table below. Lainappi Oy bases its assessment on what it would cost to buy a similar property in a normal transaction, if the property were available for purchase or what it would probably have cost. Lainappi Oy makes deductions from this price due to age, wear and tear, model changes and/or other circumstances. Age reduction  is taken into account in Lainappi Oy: compensation obligation.

For objects that are not listed in the table or if the valuation according to the table comes  unreasonable, the value of the property is determined using available appraisal tools such as marketplaces and item appraisal services. 

8.2 Participation in handling the damage 

You must contribute as much as possible to the fact that the damage event  can be resolved as soon as possible. In particular, you must provide those statements and  information that may be relevant to the processing of the claim. You must especially answer the questions asked by the claims handler. If the Service Provider  damage is caused  due to your non-participation, your compensation will be reduced according to what can be considered reasonable under the circumstances. Lainappi Oy always has the right to take over the compensated property. If you get back property for which you have received compensation, you must immediately return it to Lainappi Oy. 

8.3 Validity of Rental protection service 

Rental protection servicee is not valid if you have intentionally caused the damage or worsened the consequences of the damage. If, on the other hand, you have caused the damage or worsened the consequences of the damage with gross negligence, the compensation can be reduced. The same applies if you have acted or omitted to act knowing that there is a significant risk of damage. 

8.4 Incorrect information in connection with the damage  

If you or someone else seeking compensation after an injury has willfully or maliciously  has fraudulently reported, concealed or hidden something relevant to the assessment of the right to compensation in accordance with the terms of this contract due to negligence, the compensation may be reduced or it may not be paid at all.  

8.5 Inspection of damages  

Lainappi Oy has the right to inspect the damage, so we ask you to keep  property until the damage is resolved. 

9. Expiration period 

For Rental protection service compensation, theft, damage or other events covered by Rental protection service must be reported to Lainappi Oy, and the damage report must be made no later than thirty (30) days after the end of the rental. Otherwise, the right to compensation will be lost.  

10. Right of recourse 

From the moment Lainappi Oy has paid the compensation, your right to claim compensation for the same subject ends. 

11. Service provider

Lainappi Oy

Sammonkatu 37, 33540 Tampere


+35850 5523 228




12. Insurance Contracts Act

The Rental protection service does not apply to insurance contracts act. Rental protection service is a service maintained by Lainappi Oy, which compensates the customer for damage or theft in accordance with the terms of Rental protection service.

14. If you are dissatisfied with the compensation solution 

If you are not satisfied with the decision made in your case, you can always request the decision to be reconsidered by contacting Lainappi to resolve any possible misunderstanding by writing to the address:

Consumer Disputes Board or district court 

If your case has been processed again and you are still not satisfied, you have the option to turn  to the general consumer dispute board, which handles complaints from individuals free of charge. You must apply for an amendment to the decision within three (3) years after you received  written information about our company's decision and the mentioned three-year deadline. 

Consumer Disputes Board 

Hämeentie 3 

PL 306 

00531 Helsinki 

Phone: 029 566 5200 (switch) 



You can apply for a change at the Helsinki District Court. 

15. Glossary - definitions 


Fuels and lubricants, cloths, outer and inner rings, covers, filters, ropes, seals,  belts, chains, stones, tracks, conveyor belts, conveyor plates, wires, roller coverings and others  materials that are intended to be used in a significantly shorter period of time than the property,  for which the material is used. 

Service provider

Lainappi Oy


A person who rents insured property, who receives the rent payment in Lainappi Oy's service. 


A person who has made, sent a rental request and paid the agreed amount in the rental announcement using Lainappi Oy's service. 

Amount of Rental protection service

The amount to which the Beneficiary (Lessor) is entitled in the event of an insurance event. 

Damage report

A form that is drawn up in the event that the beneficiary wants to report damage or theft. An event or events or damages that may entitle you to compensation. 

The season of Rental protection service

The period for which the Rental protection service is valid and for which the Rental protection service payment has been paid. 


Consumable tools 

Dies, knives, crushing tools, drills, pressing and punching tools, shafts and others on the market  existing conventional tools.




Lainappi Oy (“Palveluntarjoaja”) tarjoaa vuokraturva palvelua. Näitä vuokraturvan ehtoja sovelletaan asiakkaaseen ("Vuokralle ottaja" tai "Vuokraturvan ottaja"), joka on  tehnyt omaisuutta koskevan vuokrasopimuksen vertaisvuokraus palveluita tarjoavan palvelussa  omaisuuden omistajan ("Vuokralle antaja" tai "Edunsaaja") kanssa. Vuokrausten osapuolista käytetään  näissä vuokraturvan ehdoissa yhdessä termiä "Ryhmä". 

Vuokralle otetulle omaisuudelle aiheutunut vahinko korvataan Vuokralle antajalle ensisijaisesti  vuokralle ottajan omasta vakuutuksesta. 

Tämä vuokraturva korvaa näiden ehtojen mukaisesti vuokralle otetun omaisuuden  vahingoittumisesta Vuokralle antajalle aiheutuneen omavastuuvahingon tai muun näissä  vuokraturvan ehdoissa määritellyn äkillisen ja ennalta arvaamattoman vahingon, jota vuokralle annetun  omaisuuden oma vakuutus ei korvaa ja josta Vuokralle ottaja olisi Vuokralle antajan kanssa  tekemänsä vuokrasopimuksen perusteella vastuussa Vuokralle antajalle.

1. Ketä vuokraturva koskee


Vuokraturva on voimassa vain,  jos vuokralle ottaja ja Edunsaaja noudattavat Palveluntarjoajan käyttöehtoja ja suorittavat vuokranmaksun Lainappi-palvelussa. Vuokraturva on voimassa vain kuluttajien välisessä vertaisvuokraamisessa ja vuokratapahtumissa. Vuokraturva ei kata korvauksia tai hyvityksiä mikäli vuokralle antajana toimii toiminimi, osakeyhtiö, osuuskunta, avoin yhtiö tai kommandiittiyhtiö.

2. Milloin vuokraturva on voimassa 


Vuokraturva kattaa vahingot sekä anastukset, jotka sattuvat vuokrauksen voimassaoloaikana (vuokra-ajanjakso).  Vuokraturva on voimassa vuokra-ajan, mikäli palvelumaksu on maksettu palvelun sisällä. Vuokraturva on voimassa  enintään 30 päivää.  

2.1 Vuokraturvan jatkaminen 

Vuokraturvaa ei voi jatkaa.  

2.2 Vuokraturvan irtisanominen 

Vuokralle antaja voi milloin tahansa irtisanoa vuokraturvan ilmoittamalla sähköisesti tai kirjallisesti Lainappi Oy:lle.

3. Missä vuokraturva on voimassa 

Vuokraturva on voimassa vuokratulle omaisuudelle Suomessa sattuneista vahingoissa. 


4. Mitä vuokraturva kattaa 

Vuokraturva kattaa omaisuuden varusteineen seuraavasti: 

4.1 Omavastuu  

Tapauksissa, joissa omaisuuden vahingoittuminen, katoaminen tai varkaus kuuluu muun vuokratun  omaisuuden vakuutusturvan (esimerkiksi koti-, yritys- tai ajoneuvovakuutus) korvauspiiriin,  vuokraturva korvaa omaisuuden vakuutuksesta Edunsaajan vakuutuskorvauksesta vähennetyn  omavastuun enintään kolmeensataan  (300) euroon asti. 

4.2 Äkilliset ja ennalta arvaamattomat vahingot 

Jos vuokrattua omaisuutta ei korvata Vuokralle antajan vakuutuksesta kohdan 4.1 Omavastuu  mukaisesti, vuokraturva korvaa näiden vuokraturvan ehtojen mukaisesti omaisuuden varkauden,  katoamisen tai muun äkillisen ja ennalta arvaamattoman vahingoittumisen vuoksi syntyneen  vahingon enintään kolmeensataan (300) euroon asti.  

Vakuutuksesta ei voi suorittaa korvausta sekä kohdan 4.1. Omavastuu että kohdan 4.2 Äkilliset ja  ennalta arvaamattomat -vahingot perusteella samasta vahinkotapahtumasta.  

4.2.1 Äkillisistä ja ennalta arvaamattomista vahingoista poissuljettu omaisuus.

Lista ei ole tyhjentävä ja muita tavaroita, joita ei ole tässä listassa lueteltu, voidaan tapauskohtaisesti harkita joko sisältyväksi vuokraturvan piiriin tai poislukea vuokraturvan piiristä. Vuokraturva ei kata seuraavaa omaisuutta:

• Moottorivene 

• Purjevene 

• Vesiskootteri 

• Kaikki tieliikenteeseen rekisteröityneet ajoneuvot sekä e-ajoneuvot mukaan lukien perävaunut ja trailerit

• Ilma-alukset mukaan lukien droonit 

• Kaikki moottorisoidut ajoneuvot

• Aseet ja aseiden osat  

• Korut, aidot helmet, jalokivet ja kellot  

• Jo vahingoittunut omaisuus 

• Elävät eläimet 

• Tupakka ja alkoholi 

• Käteisvarat ja arvopaperit 

• Antiikki


5. Mitä vuokraturva ei kata  

5.1 Sota, terrorismi ja mellakka  

Korvausta ei makseta vahingosta, jonka aiheutuminen tai laajuus johtuu suoraan tai  välillisesti sodasta, sodan kaltaisesta tapahtumasta, sisällissodasta, vallankumouksesta,  kapinasta, mellakasta, terrorismista, sabotaasista tai luvattomasti vallankaapanneiden  toiminnasta tai liittyy niihin.  


5.2 Naarmut, kuluminen ja hitaasti kehittyvistä tapahtumista aiheutunut vahinko

Korvausta ei makseta vahingoista, jotka johtuvat tai ovat seurausta 

• iästä johtuvasta muutoksesta 

• värin tai muodon muutoksesta 

• hankauksesta 

• kulumisesta

• homeesta 

• pinnoitteesta 

• puutteellisesta huollosta tai hoidosta 

• muista vaurioista, jotka eivät vaikuta omaisuuden toimintaan, kuten pinnallisista  naarmuista ja kolhuista 

5.3 Kulutusmateriaalit ja luonnollinen kuluminen 

Vuokraturva ei korvaa  

• vahinkoja, jotka koskevat kulutusmateriaaleja tai kuluvia työvälineitä 

• käytöstä tai ikääntymisestä johtuvaa luonnollista kulumista 

Tätä rajoitusta ei kuitenkaan sovelleta palovahingoissa tai jos Edunsaaja tai  Vakuutuksenottaja voi osoittaa vahingon syntyneen äkillisestä ja odottamattomasta  ulkoisesta syystä riippumatta siitä, onko omaisuus ollut käytössä.  


5.4 Force majeure  

Lainappi Oy (Palveluntarjoaja) ei vastaa menetyksestä, joka voi syntyä, jos vahinkoselvitys,  korvauksen maksaminen tai vahingoittuneen omaisuuden ennallistaminen viivästyy  seuraavista syistä 

• sota, sodan kaltainen tapahtuma, sisällissota, vallankumous, kapina tai mellakka 

• työmarkkinakiista – pätee myös silloin, jos vakuutuksen myöntäjä on ryhtynyt  työtaistelutoimiin tai on niiden kohteena 

• takavarikointi tai kansallistaminen  

•ylivoimainen este kuten luonnonkatastrofi

• omaisuuden takavarikointi, tuhoaminen tai vahingoittaminen hallituksen tai  viranomaisen määräyksestä.  

5.5 Toimittajan takuu 

Vuokraturva ei koske sellaisia omaisuuden virheitä, joista toimittaja tai muu osapuoli on  vastuussa jonkin erityislain, takuun tai muun vastaavan sitoumuksen perusteella. Korvaus  voidaan kuitenkin suorittaa, jos Palveluntarjoaja tai edunsaaja pystyy osoittamaan, että  vastuussa oleva henkilö tai hänen kotivakuutus ei korvaa tai maksa vahinkoa. 

5.6 Vastuu ulkopuolisille 

Vuokraturva ei koske vastuuta, joka vuokratun omaisuuden Vuokralle ottajalla tai vuokratun  omaisuuden muulla mahdollisella käyttäjällä on kolmansia osapuolia kohtaan.  


6. Huolenpitovelvollisuus  

Vuokralle ottajan ja Vuokralle antajan tulee mahdollisuuksien mukaan estää vaurioiden  syntyminen. 

Kuljetuksen aikana omaisuus on pakattava ja suojattava siten, että vahinkoriski on mahdollisimman  pieni. 

Ajoneuvon tai perävaunun tulee olla lukittu sekä kyseisten kohteiden ikkunoiden, ovien ja muiden  sisäänpääsyteiden on oltava lukitut. Omaisuuden on oltava erikseen lukittuna, kun sitä säilytetään  ns. yhteistiloissa, joihin on pääsy esimerkiksi taloyhtiön asukkailla.  

Ajoneuvoon tai perävaunuun ei saa jättää näkyville koruja tai muita arvokkaita tai varkausalttiita  esineitä, elleivät ne ole siellä erikseen lukitussa tilassa.  

Avaimia ei sää jättää eikä piilottaa ajoneuvon tai perävaunun tai niiden säilytystilojen läheisyyteen.  

Avaimiin ei saa merkitä nimeä ja osoitetta, joka voi paljastaa avaimen löytäjälle omaisuuden  sijainnin.  

Lukko on välittömästi vaihdettava tai sarjoitettava uudelleen, jos avain on joutunut ulkopuolisten  haltuun.  

Varkausvahingon estämiseksi avaimia ei saa säilyttää näkyvillä tai sellaisessa lukitsemattomassa  paikassa, jossa sivullinen ennalta tietää tai voi olettaa avainten olevan. 


7. Ilmoitus vahingosta 

Vahingosta on ilmoitettava Lainappi Oy:lle heti, kun saat tietää vahingosta. Ilmoitus tehdään  Palveluntarjoajan sovelluksen tai sen verkkosivustolla olevan ilmoituksen kautta. Jos sinulla on  kysyttävää, ota meihin yhteyttä sähköpostitse osoitteessa

Vahingon sattuessa sinun on toimitettava  

• täytetty vahinkoilmoituslomake

• kopio rikosilmoituksesta varkauden tai muun rikoksen tapauksessa 

• kopio kuitista tai muusta osto asiakirjasta 

• kopio ensisijaisen omaisuuden vakuutusyhtiön korvauspäätöksestä 

7.1 Näin vahinko korvataan 

Kun olet ilmoittanut vahingosta Lainappi Oy:lle, Lainappi Oy päättää, kuinka vahinko korvataan. Vahinko voidaan korvata korjaamalla omaisuus, uusimalla omaisuus vastaavalla omaisuudella tai rahakorvauksella. Jos päädytään korjaamiseen, Lainappi Oy:llä on oikeus päättää  korjausmenetelmästä.  

Jos Lainappi Oy on hyväksynyt, että vahinko korvataan korjaamalla, ota yhteyttä luotettavaksi  katsomaasi korjaamoon ja pyydä hintatarjous Lainappi Oy:n hyväksyttäväksi. Lainappi Oy:llä  on sitten oikeus päättää, missä omaisuus korjataan tai mistä se ostetaan. Omaisuuden omistajana sinun tulee Lainapin suostumuksella tilata korjaus ja hyväksyä tehty työ tai reklamoida siitä.

Pienistä toimenpiteistä, kuten itse suoritetusta korjauksesta, tekstiilien pesusta ja pienistä maalaustöistä, voidaan maksaa korvaus omasta työnä tehtynä. Omalla työllä tarkoitetaan  materiaalikustannuksia ja kiinteitä kustannuksia työhön käytetystä ajasta.  

Korjauksen yhteydessä on ensisijaisesti valittava käytettyjä osia. Jos markkinoilla ei ole  saatavilla käytettyä osaa vahingonkorvaushetkellä, voit saada korvauksena summan, jonka  käytetty osa olisi todennäköisesti maksanut.  

Jos tavaraa ei korjata, Lainappi Oy pitää menetyksenä vahinkoa edeltävän markkina-arvon ja vahingon jälkeisen markkina-arvon erotusta eli arvon alenemista. Markkina-arvolla Lainappi  tarkoittaa sitä, mitä maksaa vastaavan omaisuuden ostaminen samassa kunnossa kuin vahingoittunut, tai jos sitä ei ole ostettavissa, mitä se todennäköisesti olisi maksanut, jos se  olisi ollut ostettavissa. 

Jos et noudata Lainappi Oy:n edellä esitettyjä ohjeita, Lainapin vastuu rajoittuu kuluihin, jotka olisivat aiheutuneet silloin, jos ohjeita olisi noudatettu. 



8. Vahinkojen arviointia koskevat säännöt  

8.1 Ikävähennyket

Omaisuuden vahingoittuminen tai menetys arvostetaan summaan, jonka omaisuuden  ennallistaminen maksaa sen käypä arvo huomioon ottaen. Käyvällä arvolla tarkoitetaan  omaisuuden arvoa ottaen huomioon omaisuuden ikä ja kunto vahinkohetkellä. 

Omaisuus arvioidaan alla olevan taulukon mukaan. Lainappi Oy perustaa arvionsa siihen, mitä normaaliksi katsottavassa kaupassa uuden vastaavan omaisuuden ostaminen maksaa, jos omaisuus olisi ostettavissa tai mitä se todennäköisesti olisi maksanut. Tästä hinnasta Lainappi Oy tekee poistoja iän, kulumisen, mallimuutosten ja/tai muiden olosuhteiden vuoksi. Ikävähennys  huomioidaan Lainappi Oy: korvausvelvollisuudessa.


Kohteille, joita ei ole listattu taulukossa tai jos taulukon mukainen arvostus tulee  kohtuuttomaksi, omaisuuden arvo määritetään saatavilla olevien arviointityökalujen, kuten kauppapaikkojen ja esineiden arviointipalveluiden avulla. 

8.2 Osallistuminen vahingon käsittelyyn 

Sinun on mahdollisimman suuressa määrin myötävaikutettava siihen, että vahinkotapahtuma  saadaan selvitettyä mahdollisimman pian. Erityisesti sinun on annettava ne selvitykset ja  tiedot, joilla voi olla merkitystä vahingon käsittelyn kannalta. Sinun on erityisesti vastattava vahinkokäsittelijän esittämiin kysymyksiin. Jos Palveluntarjoajalle  aiheutuu vahinkoa  osallistumatta jättämisesi johdosta, korvaustasi pienennetään sen mukaan, mitä olosuhteissa voidaan pitää kohtuullisena. Lainappi Oy:lla on aina oikeus ottaa haltuunsa korvattu omaisuus. Jos saat takaisin omaisuutta, josta olet saanut korvauksen, sinun on palautettava se välittömästi Lainappi Oy:lle. 

8.3 Vuokraturvan voimassaolo 

Vuokraturva ei ole voimassa, jos olet tahallisesti aiheuttanut vahingon tai pahentanut vahingon seurauksia. Jos sen sijaan olet aiheuttanut vahingon tai pahentanut vahingon seurauksia törkeällä huolimattomuudella, korvausta voidaan alentaa. Sama pätee, jos olet toiminut tai jättänyt toimimatta tietäen, että siihen liittyy merkittävä vahingon syntymisen riski. 

8.4 Väärät tiedot vahingon yhteydessä  

Jos sinä tai joku muu, joka hakee korvausta vahingon jälkeen, on tahallaan tai törkeästä  huolimattomuudesta vilpillisesti ilmoittanut, salannut tai piilottanut jotain tämän sopimuksen ehdon mukaisen korvausoikeuden arvioinnin kannalta olennaista, korvausta voidaan alentaa tai se voidaan jättää kokonaan maksamatta.  

8.5 Vahinkojen tarkastus  

Lainappi Oy:lla on oikeus tarkastaa vahinko, joten pyydämme sinua säilyttämään  omaisuuden, kunnes vahinko on selvitetty. 


9. Vanhentumisaika 

Vuokraturvan korvausta varten varkaudesta, vahingosta tai muusta vuokraturvan piiriin sisältyvästä tapahtumasta on ilmoitettava Lainappi Oy:lle sekä vahinkoilmoituksen tulee olla tehtynä viimeistään kolmenkymmenen (30) vuorokauden sisällä vuokrauksen päättymisestä. Muutoin oikeus korvaukseen menetetään.  


10. Takautumisoikeus 

Siitä hetkestä, kun Lainappi Oy on maksanut vahingonkorvauksen, oikeutesi vaatia korvausta samasta aiheesta päättyy. 

11. Palveluntarjoaja

Lainappi Oy

Sammonkatu 37, 33540 Tampere


+35850 5523 228





12. Vakuutussopimuslaki


Vuokraturvaan ei sovelleta vakuutussopimuslakia. Vuokraturva on Lainappi Oy:n ylläpitämä palvelu, joka korvaa vahingon tai varkauden asiakkaalle Vuokraturvan ehtojen mukaisesti.

14. Jos olet tyytymätön korvausratkaisuun 

Jos et ole tyytyväinen asiassasi tehtyyn päätökseen, voit aina pyytää päätöstä uudelleenarvioitavaksi ottamalla yhteyttä Lainappiin mahdollisen väärinkäsityksen ratkaisemiseksi kirjoittamalla osoitteeseen:

Kuluttajariitalautakunta tai käräjäoikeus 

Jos asiasi on käsitelty uudelleen etkä ole vieläkään tyytyväinen, sinulla on mahdollisuus kääntyä  yleisen kuluttajariitalautakunnan puoleen, joka käsittelee yksityishenkilöiden valitukset maksutta. Ratkaisuun on haettava muutosta kolmen (3) vuoden kuluessa siitä, kun sait  kirjallisen tiedon yhtiömme päätöksestä ja mainitusta kolmen vuoden määräajasta. 


Hämeentie 3 

PL 306 

00531 Helsinki 

Puhelin: 029 566 5200 (vaihde) 



Muutosta voi hakea Helsingin käräjäoikeudesta. 



15. Sanasto – määritelmät 


Polttoaineet ja voiteluaineet, liinat, ulko- ja sisärenkaat, peitteet, suodattimet, köydet, tiivisteet,  hihnat, ketjut, kivet, telaketjut, kuljetinhihnat, kuljetinlevyt, viirat, valssipäällysteet ja muut  materiaalit, jotka on tarkoitettu käytettäväksi huomattavasti lyhyemmässä ajassa kuin omaisuus,  johon materiaalia käytetään. 



Lainappi Oy


Edunsaaja/Vuokralle antaja 

Henkilö, joka antaa vuokralle vakuutetun omaisuuden, joka vastaanottaa vuokranmaksun Lainappi Oy:n palvelussa. 


Vuokralle ottaja 

Henkilö, joka on tehnyt, lähettänyt vuokrapyynnön ja maksanut sovitun summan vuokrailmoituksessa Lainappi Oy:n palvelua käyttäen. 


Vuokraturvan määrä

Summa, johon Edunsaaja (Vuokralle antaja) on oikeutettu vuokraturvan ehtojen puitteissa tapahtuneen vahingon sattuessa. 



Lomake, joka laaditaan siinä tapauksessa, kun edunsaaja haluaa ilmoittaa vahingosta tai varkaudesta. Tapahtuma tai tapahtumat tai vahingot, jotka voivat oikeuttaa maksettavaan korvaukseen. 


Vuokraturvan kausi

Ajanjakso, jona vuokraturva on voimassa ja jonka ajalta vuokraturvan maksu on maksettu. 


Kuluvat työvälineet 

Muotit, veitset, murskaustyökalut, porat, puristus- ja lävistystyökalut, varstat ja muut markkinoilla  olevat tavanomaiset työkalut.


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