Re­sponse to Dam­age

All loss or damage can easily be reported here on our website. You can also contact Vörður's claims department at 514-1000 every weekday from 09:00-16:00. In case of emergency, you can contact the Vörður emergency service outside office hours at 514-1099.

Loss or damage due to storms

• Property

  • Flood and storm insurance is included in the homeowner's insurance for companies and individuals and in summer house insurance.

  • If the wind speed exceeds 28.5 m/s and damage occurs to the property, the damage will be compensated from the relevant insurance. This applies, for example, to damage caused by loose objects that break windows or cause other damage to property. The same applies if there is general property damage in the area in question.

• Vehicles

  • Comprehensive insurance compensates damage that occurs to a vehicle that is parked and is damaged if loose objects blow on it, or for example, if a tree breaks and falls on it.

  • Condition that wind strength exceeds 28.5 m/s.

The Natural Catastrophe Insurance of Iceland (NTÍ) insures against sea floods, floods, landslides, avalanches, volcanic eruptions and earthquakes. Compulsory insurance is on all properties and fire-insured contents and movable property. For the given reason, it should be noted that NTÍ does not insure against wind damage. Those who have suffered loss or damage are advised to contact their insurance companies to check their status.

Property loss or damage

• Necessary measures must be taken, if at all possible, to avoid further damage, but remember to exercise caution.

• Report burglary, theft and vandalism to the police immediately. The next step is to report the damage to Vörður.

• Vörður's staff provides the policyholder with all the help and guidance that is needed at all times.

• Do not start repairs until the damage has been reported to Vörður and a damage inspector has examined and assessed the damage.

• Do not throw away damaged items without the consent of the company.

• Do not accept liability or claim for compensation if you have caused damage to others without contacting Vörður.

• Vörður will process the claim and respond on your behalf.

Vehicle loss or damage

• Remember to make a traffic accident report immediately on the spot.

• Submit your copy of the damage report to Vörður as soon as possible.

• If the police or Aðstoð & Öryggi came to the scene, the report is sent directly to Vörður.

• After the report has been received by Vörður and you have received the damage approval, you can have the damage assessed at an authorised workshop. The workshop then sends information about the damage to Vörður.

Damage to car windows

• Report the damage to Vörður and then take the car to the nearest window repair shop.

Accidents and diseases

• We advise you to see a doctor immediately after an accident.

• Accidents or illnesses must be reported to Vörður immediately.

• In the case of a traffic accident, it is necessary to report the accident to the police and also report it to Vörður.

• In the event of an accident at work, the employer must report it to the police and the Administration of Occupational Safety and Health as soon as possible.

• It is important to take care with the accident report so that the information is correct and accurate.