Insurance Options


CDW (Collision Damage Waiver)

Included in our rates and also covers you against Third Party Loss. Your Excess is ISK 195.000 for passenger cars and/or ISK 375.000 for 4x4 SUVs and bigger cars. CDW is included in our Basic Protection Package.


PAI (Personal Accident Insurance)

Included in our rates according to Icelandic law. PAI provides protection for injuries suffered by you or your passengers and/or a lump sum indemnity if you or your passengers are disabled or if you die as a result of the collision (or an accident). PAI is included in our Basic Protection Package.


TP (Theft Protection)

Included in our rates and covers you against theft of the vehicle. Does not cover the loss or theft of personal belongings. TP is included in our Basic Protection Package.


SCDW (Super Collision Damage Waiver)

This option lowers the excess of the standard Collision Damage Waiver (CDW). Your Excess is reduced from ISK 195.000 to ISK 49.500 for passenger cars and/or from ISK 375.000 to ISK 90.000 for 4x4 SUVs and bigger cars. SCDW is included in our Medium Protection Package.


GP (Gravel Protection)

Covers you against damages to the windshield and headlights caused by stones or gravel getting thrown at your car by another vehicle. Your Damage Liability Fee is reduced to zero amount in case of such damages. GP is included in our Medium Protection Package.


SADW (Sand & Ash Damage Waiver)

Covers you against damage caused by sand or ash storm. Such as ruined paint job, lights, glass, and plastic. SADW can be bought separately and is in no relation with other insurances. SADW is included in our Premium Protection Package.


ZERO (Zero Excess Cover)

Our premium Damage Cover reduces your excess of the SCDW and SADW insurances to a Zero amount. This insurance option is only available when our Premium Protection Package is selected.


Protection Packages for Peace of Mind


Not Covered by any Insurance:

  • Damage caused by driving on rough roads to the vehicle's transmission, drive, other parts that are in or attached to the chassis; damage to the chassis resulting from scraping the bottom on rough roads.
  • Damages caused by driving in or across rivers or any kind of waterways. Such driving is totally the responsibility of the renter.
  • Damages to the rented vehicle caused by driving rental cars on roads or tracks with no road number and/or off-road driving, for example, on paths and tracks, on beaches, in areas only accessible during low tide, or in other trackless areas.
  • Damage done by animals.
  • Towing cost and vehicle replacement.
  • Damage affecting only wheels, tires, suspension, batteries, and damage resulting from this.
  • Holes burned into seats, carpets, or mats.
  • Damage resulting from the driver being under the influence of alcohol, stimulants, or sedatives, or in any other way incapable of driving the vehicle in a safe manner.
  • Damages to passenger cars and/or 2wd vehicles caused by driving on roads marked with an F on public maps as well as driving such cars on Kjölur (Road 35) or Kaldidalur (road 550).
  • Theft or damage as a result of the authorized driver’s/renter's lack of reasonable care in protecting the rental vehicle (for example, leaving the vehicle running and unattended).

- Please refer to the Terms and Conditions of Rental for a full understanding of Damage Cover inclusions and exclusions.



Höldur ehf. - Europcar Iceland acts as a distributor for Vís insurance company.