When you book a holiday home with Lomarengas, If Cancellation Insurance is automatically included in the price.

The insurance is provided by If P&C Insurance Ltd. The insured parties are those who are travelling to and staying at the holiday destination. In accordance with its terms and conditions, If Cancellation Insurance covers cancellations and interruptions due to the sudden illness, accident or death of the customer (= the person who made the booking) or their close relative, if such an event prevents the trip or causes it to be interrupted.

If the group booked into the property are not close relatives, only the person who falls ill is eligible for compensation. The compensation in this case equals the accommodation price divided by the number of people in the group.

How to apply for compensation

Customers must apply for compensation from If using the electronic claims form. A medical certificate, the booking confirmation/invoice from Lomarengas, and receipts of payments made must be submitted in order to receive compensation.

All cancellations or interruptions must be reported to Lomarengas immediately in writing (by email). In case of last-minute cancellations outside office hours, the owner or caretaker of the property must also be informed without delay.

 

What to do

1. Cancel your booking in writing by email to Lomarengas immediately.

2. In case of a last-minute cancellation outside office hours, also notify the owner or caretaker of the property right away. You can find their contact details in your booking confirmation or invoice.

3. Apply for compensation from If using the electronic claims form.

4. Attach the following documents to your claim:

   • a medical certificate

   • the booking confirmation or invoice from Lomarengas

   • receipts of payments made

 

What does the insurance cover?

If Cancellation Insurance is included in the rental price of a Lomarengas holiday cottage or apartment located in Finland, and it is valid specifically for the booked property. The insurance becomes effective 28 days before the rental period begins and ends when the rental period ends.

If Cancellation Insurance applies only to the holiday property specified in the booking. If a cancellation occurs more than 28 days before the start of the rental period, any compensation will be paid in accordance with Lomarengas’ booking terms and conditions.

Please note: If a booking is cancelled or interrupted for any of the covered reasons, Lomarengas must always be notified in writing (letter or email). In case of a last-minute cancellation outside office hours, the owner or caretaker of the property must also be informed immediately. If the stay is interrupted, both the owner or caretaker and Lomarengas must be notified in writing without delay.

The insurance is provided by If P&C Insurance Ltd.

Lomarengas also recommends ensuring that your personal travel insurance is valid and that you are familiar with the terms and conditions of your own insurance policy.