Comprehensive insurance for vehicles
Optional vehicle insurance. Covers vehicle damage the owner themselves is responsible for, as well as any outside damage.
Our customers get discounts on various security products
We are here whenever you need insurance.
Optional vehicle insurance. Covers vehicle damage the owner themselves is responsible for, as well as any outside damage.
Insurance can be complicated. To make things easier to understand, we have compiled all the key information about the insurance in an information document that can be viewed with the terms and conditions.
Loss or damage to the insured vehicle due to sudden and unforeseeable events, notwithstanding an exemption clause in the terms and conditions of the policy.
Loss or damage due to fire or explosions caused by fire. If items melt or scorch in the absence of open flames, the incident is not considered a fire.
Loss or damage due to theft or attempted burglary or vandalism.
Loss or damage caused by stormy weather or if the hood, trunk cover, or doors are blown open.
Loss or damage caused by mudslides or floods, landslides, avalanches, strikes, or riots.
Loss or damage due to a car race, a rally, test driving, or training for such driving.
Loss or damage that can be traced to pets.
Loss or damage resulting from sand, gravel, ash, pumice, or other mineral matter blowing on to the vehicle.
Loss or damage caused by stone damage from the road or other vehicles. Stone damage relates to the event where small rocks or gravel shoot into a car and cause damage to the vehicle’s surface.
Loss or damage caused due to material defects, design defects, construction defects, repair defects, or malfunction of the vehicle.
Loss or damage caused be the wrong use of or non-certified charging equipment, fuel, lube, oil, or other liquids.
Impact to the undercarriage, motor or electrical equipment, tyres, or rims that do not inhibit the use of the vehicle.
Damage or theft of the vehicle’s added features.
Loss, damage, or wear and tear of the vehicle or individual parts caused by use.
Loss or damage to trailers or other machinery or equipment that has been attached to the vehicle.
Loss or damage to the undercarriage when driving on mountain roads.
Loss or damage caused by transport of goods unless the damage is the result of a traffic accident.
Comprehensive insurance for vehicles covers damage to your vehicle that is not covered by other insurance policies.
You choose the deductible and always pay the same fixed amount.
Covers damage to the undercarriage on most roads in the country, including electric vehicle batteries.
Covers weather-related damage, regardless of wind speed.
Covers damage caused by falling objects, such as items falling in your garage.
This is not an exhaustive list — please read the full terms and conditions
Vehicle insurance consists of liability insurance and accident insurance for the driver and the owner. Liability insurance compensates for personal injury and property damage caused by the vehicle. Accident insurance compensates for injuries suffered by the driver in an accident they cause, as well as injuries to the vehicle owner if they are injured as a passenger in their own vehicle.
The insurance is valid in Iceland, other EEA member states, the United Kingdom, and Switzerland. A condition is that an international motor insurance card, known as the “Green Card,” is obtained.
Liability insurance does not apply unless a racing endorsement is purchased. However, this endorsement does not cover damage the vehicle causes to other participants in a driving competition, whether bodily injury or property damage.
Accident insurance for the driver and owner, windshield insurance, and comprehensive insurance never apply during driving competitions.
Windshield insurance covers breakage of a car window, including installation costs. The deductible for windshield insurance is 25% per claim, but if the windshield is repaired rather than replaced, there is no deductible.
You notify us when a vehicle has been deregistered, and the insurance is then cancelled from the date of deregistration. This applies to mandatory vehicle insurance as well as voluntary insurance such as comprehensive insurance.
If license plates are surrendered without deregistration, comprehensive insurance is not automatically cancelled, as the insurance covers various types of losses that may occur even when plates are surrendered, such as vandalism, severe weather, and theft.
Comprehensive insurance covers damage to a vehicle if damage occurs for which the owner is personally responsible or if the vehicle suffers external damage. The policyholder chooses the deductible and pays it if the car is damaged, while the insurance company pays the remaining amount.
A registration-required vehicle is a motor vehicle, motorcycle, off-road vehicle, tractor, trailer for a motor vehicle or tractor designed for a gross weight of more than 750 kg, a caravan, or a camping trailer. Vehicles must be registered before being put into use.