1. Deposit Handling
Before the booking begins, MyCamper collects a security deposit—typically 5,000 SEK (or the equivalent in local currency). After the trip, the vehicle owner can report any additional charges such as excess mileage, missing fuel, or cleaning. These are deducted from the deposit during the check-out process.
The remaining amount is either:
Refunded to the renter (if no issues are reported), or
Temporarily held by MyCamper if there is an insurance-related incident.
If damage or an incident is reported and there's a possibility the insurance deductible will apply, MyCamper will hold the remaining deposit while the claim is being reviewed. MyCamper keeps the remainder of the deposit in all cases where an insurance matter is being assessed.
The claim will be handled by Omocom, the insurance provider. Omocom may contact the renter to request additional information as part of the claims process, and will inform the renter of the final deductible amount once the claim is finalized.
For any questions related to the booking itself (e.g., fees, mileage, or disputes with the vehicle owner), renters should contact MyCamper.
For questions specifically related to the insurance claim or deductible, Omocom can be contacted directly.
Example:
Deposit collected: 5,000 SEK
Owner’s extra charges: 1,000 SEK
→ 1,000 SEK paid to the owner
→ 4,000 SEK held by MyCamper during insurance case review
2. Charging the Card on File
If the deductible amount exceeds what remains from the deposit, MyCamper will attempt to charge the renter’s saved payment method for the outstanding balance. This helps finalize the process efficiently and avoids further escalation.
The payment is processed securely using the same card used during the booking. In most cases, no further action is needed from the renter.
If the charge cannot be completed—for example, due to expired card details, insufficient funds, or authentication requirements (such as BankID or SMS)—MyCamper will:
Retry the payment using a smaller amount if the full charge is unsuccessful
Attempt again a couple of days later if necessary
These steps are designed to avoid unnecessary delays and make it easy for renters to settle the balance without additional hassle.
Note: It’s in the renter’s best interest to ensure the necessary funds are available at this stage. This is the simplest and most cost-effective way to resolve the deductible. Delays may lead to invoicing or debt recovery, which can involve added fees.
3. Invoicing
If payment by card is unsuccessful, the process moves to the next step. Omocom will issue an invoice for the remaining deductible amount. At this point, the matter is formally transferred from MyCamper to Omocom, who handles all further communication and follow-up.
Please note:
Omocom will inform the renter of the final amount to be paid once the claim is confirmed.
Administrative or invoicing fees may apply, depending on Omocom’s policies.
For questions about the claim or invoice, renters should contact Omocom directly.
This step is intended to resolve the matter amicably and fairly, and we encourage renters to respond promptly to avoid escalation.
4. Final Reminder and Recovery Process
If the invoice remains unpaid after several reminders, Omocom may refer the case to a licensed debt recovery partner. This is a last-resort measure used only when previous attempts to settle the balance have not succeeded.
At this stage:
Additional fees will apply, in line with standard debt collection practices
These added costs are the responsibility of the renter
We strongly recommend settling the deductible during step 2 or 3 to avoid the added cost and administrative burden of debt recovery.