(1) The insurer reimburses the policyholder’s expenses in accordance with section 82 (1) and (2), even if they remain unsuccessful, to the extent that the policyholder could deem them necessary based on the circumstances. The insurer advances the amount of the necessary expenses on the request of the policyholder.
(2) If the insurer is entitled to reduce the benefits payable, he or she may also reduce the amount of the expenses reimbursed in accordance with subsection (1) accordingly.
(3) Expenses incurred by the policyholder on account of his or her following the insurer’s instructions are also reimbursed to the extent that they exceed the sum insured, taken together with the other compensation.
(4) In the case of livestock insurance, the costs of feeding and keeping the livestock, as well as the costs of veterinary examinations and treatment, are not classed as expenses to be reimbursed by the insurer in accordance with subsections (1) to (3).