That’s not easy to answer. But the short and simple answer is that we recommend everyone get the Zero Risk Insurance package we offer. It is, in every way, an exceptional Insurance option in Iceland.
The only times we’ve had bad reviews and bad experiences are when a camper comes in with damages. It’s always hard for all parties, and we’ve tried hard to safeguard everyone involved. We’ve lowered the self-risk to a more reasonable 300.000 ISK. We take high-resolution photos of every angle of the camper before it goes out. That way, we can refer to those images to never charge our customers for damages they did not cause. We recommend the customer does the same, although we provide full access to the photos we take. We now sign off each camper upon return and do a thorough inspection of the vehicle right away. We no longer send out damage-bills after the customer leaves. The only exception is when customers use our 24/7 Dropoff service; with that service, we have no choice.
We experience cases where people regret not having purchased additional insurance, and we also have a lot of customers with all the insurance options and never need to use them. That is the nature of insurance.
There are many gravel roads in Iceland, and you should always be careful when driving behind another vehicle. We recommend you read the policies of the included CDW and make sure that you can afford the CDW deductible (self-risk) of 300.000 ISK. If you can’t, we recommend you buy the Premium Insurance addition. You can “gamble” more when you can afford it.
We recommend that you keep in mind that you are not covered for these damages in any rental agreement in Iceland:
- Climbing on the roof
- Driving into rivers
- Driving over uneven terrain and big rocks that damage the chassis
- Off-road driving
Your CDW is void if you do this, and you are responsible for all the damages. Read the TM policy terms for more detail on CDW exceptions.
Our additional insurance packages are unique in that they address these limitations, and we also directly list out these insurance limitations. They are not hidden in the Terms & Conditions.
We recommend that you look up what kind of insurance you already have, such as Travel Insurance, Credit Card Insurance, etc.