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CDW Coverage

Introduction

Insurance options are often confusing, and the extra effort to understand your deductibles and insurance limitations is a bother. In the Icelandic market, there is an additional “fine print” in all (that we know of) rental contracts due to the harsh environment in which the vehicles operate (Iceland). Insurance companies have steadily added exceptions to the insurance contracts they offer the rental companies, which the rental companies have, in turn, added to your rental agreement as an insurance exception. To compensate, the rental companies sell additional insurance to customers to plug these gaps in the insurance company’s terms.

But that’s where we are tired of the status quo. The extra insurance, in most cases (all that we know of), only affects the deductibles and adds a few items from the list of limitations as separate purchases. You have probably seen some of them- SAAP or SAAI (Sand and Ash Insurance) is a good example. It makes sense, in a way, but we don’t like it much. With such an approach, you are liable for a myriad of common damages that occur on Icelandic roads. Insurance in a rental environment has to be simpler than the average personal insurance “fine print.”

Included in the CDW Insurance

Things aren’t all bad; the CDW insurance does cover quite a few things well. For example, bodily injuries and third-party coverage are almost absolute—no hospital bills and no compensating damages that are done to other vehicles or property. And the terms do cover quite a few other things.

Included Vehicle Insurance

We purchase CDW insurance that covers damages to the camper van. We extend this insurance and the terms it adheres to, to you, for free.

Caps your self-risk/excess for damages done to your rental vehicle: 450.000 ISK Self-Risk/Excess.
The insurance is extensive and provides you with decent coverage. We also throw in Sand and Ash Insurance and Theft Insurance, with 0 ISK Self-Risk, for free.
Below you’ll find a summary of what’s included in your Insurance, and further down, you’ll find what is not covered.

CDW covers damages caused by:

Collision

Collision with a stationary object

Overturning

Skidding off-road or crash-landing

Falling Rocks and Landslides

Mountain Avalanches

Mud or water floods

Lightning

Fire and resulting explosions

Theft and Vandalism

Included Mandatory Insurance

In Iceland, there is mandatory insurance that any owner must purchase in order to make a vehicle street-legal. All passengers and the driver are insured to the degree listed below.

PAI – Personal Accident Insurance

Insures bodily harm if you or other passengers in the vehicle are injured.

0 ISK Self-Risk/Excess
TPL – Third-Party Liability

Insures damages caused to another person’s property, vehicle, or person.

0 ISK Self-Risk/Excess

CDW limitations

Here, we try to list all the items you usually find excluded from coverage in the standard Icelandic rental agreement/insurance contract. When we say limitations, we mean that the insurance does not cover these damages at all; so there is no longer a 450.000 ISK ceiling on what you may have to pay. Many of these limitations no longer apply to you if you purchase any of our insurance options, or we offer a maximum deductible for these kinds of damages. We want to highlight the fact that these limitations are in no way bound only to our rental. You will be hard-pressed to find a car or camper rental in Iceland that doesn’t have these items listed as limitations on the backside of your rental agreement. We have not found one yet.

Reasonable limitations to a rental car CDW insurance

Intoxication of any sort

Off-road driving

Racing

Climbing on the roof

Driving into the ocean

Driving on closed roads (roads marked red on the road.is as Closed, Closed/Impassable, and Driving Prohibited) 

Burnt holes in seats/carpets

Abandoning the camper

River/water damage

Reckless or negligent behavior

Lack of rights to operate

Breaking the law

CampEasy Terms and Conditions apply unless specifically mentioned.

Questionable limitations to a rental car CDW insurance

Sand and Ash Damage

Glass that isn’t the windshield

Drivetrain

Short Circuit Electrical Damage

Luggage Racks

Springs

Roof Damage

Loose rocks peppering underside

Gravel / Ash / Pumice

Sea Transportation

Wheels and Tyres

Chassis / Underside

Other Chassis Parts

Animal Damage

Suspension

Batteries

Gearbox

Burnt out Engine

Eruption / Earthquake / Sandstorm

Cylinders & Cooler due to Weather / Frost

CampEasy Insurance Options

Finally, here are the options you can purchase with CampEasy. The most challenging aspect of offering such comprehensive insurance packages is that we invite recklessness or even disregard. If you choose any of these insurance options, please treat our campers carefully, even though you aren’t liable for much of the potential damages.

Free Insurance

0 ISK
$0
0 €
£0
$0
¥0
per day

Good coverage

CDW Insurance
Gravel Damage To Windshield
Theft Insurance
Sand and Ash Damage
Wheel/Tyre damage*
River Crossing / Water Damage*

Includes SCDW, Sand, and Theft insurance in addition to the standard CDW coverage from the insurance provider.

Premium Insurance

3.990 ISK
$29
28 €
£23
$45
¥4,360
per day

A truly comprehensive insurance option.

CDW Insurance
Gravel Damage To Windshield
Theft Insurance
Sand and Ash Damage
Wheel/Tyre Damage
River Crossing/Water Damage**

Reduces CDW self-risk by 80%, but most importantly, this insurance mitigates a large part of the limitations of the CDW insurance.

CampEasy 4×4 Insurance Options

Here are the options you can purchase with CampEasy for 4×4 Campers. The most challenging aspect of offering such comprehensive insurance packages is that we invite recklessness or even disregard. If you choose any of these insurance options, please treat our campers carefully, even though you aren’t liable for much of the potential damages.

Free Insurance

0 ISK
$0
0 €
£0
$0
¥0
per day

Good coverage

CDW Insurance
Gravel Damage To Windshield
Theft Insurance
Sand and Ash Damage
Wheel/Tyre damage*
River Crossing / Water Damage*

Includes SCDW, Sand, and Theft insurance in addition to the standard CDW coverage from the insurance provider.

4×4 Premium Insurance

4.490 ISK
$33
31 €
£26
$51
¥4,906
per day

A truly comprehensive insurance option.

CDW Insurance
Gravel Damage To Windshield
Theft Insurance
Sand and Ash Damage
Wheel/Tyre Damage
River Crossing/Water Damage**

Reduces CDW self-risk by 80%, but most importantly, this insurance mitigates a large part of the limitations of the CDW insurance. Opens up river crossing.

CampEasy CDW insurance additions

not covered in other insurance contracts

Insurance coverage page
Free Insurance
450.000 ISK Self-Risk
150.000 ISK Self-Risk
0 ISK Self-Risk
4×4 Premium Insurance
4.490 ISK
$33
31 €
£26
$51
¥4,906
per day
50.000 ISK Self-Risk
10.000 ISK Self-Risk
0 ISK Self-Risk
4×4 Zero Risk Insurance
7.990 ISK
$58
55 €
£46
$90
¥8,730
per day
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
Available at other camper rentals in Iceland
Available
Available
Available
CDW/Insurance limitations covered exclusively by CampEasy
0 ISK Self-Risk
No Coverage*
No Coverage*
No Coverage*
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No Coverage*
No Coverage*
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No Coverage*
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No Coverage*
0 ISK Self-Risk
10.000 ISK Self-Risk
1.400.000 Self-Risk**
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
100.000 ISK Self-Risk
100.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
40.000 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
700.000 ISK Self-Risk**
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
0 ISK Self-Risk
Available
Available
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
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What we don’t cover
No Coverage*
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No Coverage*
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No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
No Coverage*
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No Coverage*
No Coverage*
No Coverage*
Download Fact Sheet

CampEasy insurance additions go beyond the scope of other insurance contracts in Iceland. We remove CDW limitations listed in the insurance companies’ terms. Lowering the deductible but keeping these limitations (gravel, tires, chassis, and so much more) from the insurance companies and calling it Super CDW is a marketing gimmick. Rental insurance should be simple, so we make it simple.

* These are standard Insurance Limitations in Iceland. CampEasy Terms apply unless specifically mentioned.
** Only applies to 4×4 vehicles. No other campers can legally cross rivers.
*** Roads marked red on road.is as Closed, Closed/Impassable, and Driving Prohibited.

Limitations listed in the “CampEasy CDW Insurance Additions” are in every rental contract at car and camper rental in Iceland or similar ones. We prefer to list them out and provide insurance options.

Extra Coverage

Cancellation Protection Free
Book with confidence
0 ISK
$0
0 €
£0
$0
¥0
Per Day
INCLUDED
  • Cancellation Insurance is included with all rentals.
  • More than 24-hours to rental start: Full Refund.
  • Less than 24-hours to rental start: 30% Retained.
Voided if you choose a “Non-Refundable” payment option at checkout.
Super Service
Roadside Assistance
3.000 ISK
$22
21 €
£18
$34
¥3,278
Per Day
 

If you get stuck, blow out a tire, drain the batteries, get lost, or need any assistance outside the service/rental agreement, this insurance covers the entire cost of assisting you.

If you need roadside assistance on F-roads, the waiting time will be substantial due to accessibility or lack of and the remoteness of the area.

Please note this service covers the entire cost but it is not a 24/7 service. There might be waiting time involved depending on the time of day, location and availability.

Insurance packages do not cover roadside assistance. If you would like to include roadside assistance please purchase our Super Service Roadside Assistance separately.

Tips

Look up what kind of insurance you already have, such as Travel Insurance, Credit Card Insurance, etc. It’s a good idea to do that beforehand.



Getting Premium insurance is a good minimum, primarily as it protects against Gravel Damage, which is the most “uncontrollable” factor when traveling around Iceland. Comparatively, damages on the Icelandic roads are common.

Sheep! They are everywhere. Watch out.



Black Ice – Invisible ice sheet on roads during the winter months.

Speed limits:

Highway: 90 kph
Tunnels: 70 kph
Gravel roads: 60 kph – Slow down considerably when meeting vehicles to avoid gravel damage.
Towns: 50 kph
Speed cameras have low tolerance, and fines are high.

Dealing with damages

The only times we’ve had bad reviews and bad experiences are when a camper comes in with damages. It’s never fun for anyone involved, so we’ve tried hard to safeguard all parties, and to provide the best insurance options we possibly can. 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 customers do the same, although we provide full access to the photos we take. We increased the margin by going by a “size of a coin” minimum damage to justify damage charges, although cracked windows are an exception.



We now sign off each camper when customers return them and do a thorough inspection of the vehicle right away. That way, we can promise not to send bills after you have left. When you finish your return process and go home, you will not receive late or unexplained charges from us. The exception is when customers choose our 24/7 return service, where they agree to unattended inspections after they have left.

Note: All damages must be reported to CampEasy upon discovery, regardless of your insurance choices.

4 Excellent CampEasy Exclusives

Reasons to choose CampEasy
  • Next Level GPS
    In every camper, there is a tablet with loads of features developed to make your camper trip easier. Turn-by-turn navigation, weather, road conditions, POI nearby, chat to CampEasy and more.
  • No False Damage Charges
    We take 8 high-resolution photos with a hardcoded time stamp, of each camper, from every angle before you pick it up. This way, we will never charge you for damages you did not cause. We also do a full inspection when you return, eliminating any late or unexplained bills.
  • Built-in Messaging
    This is a big one. We offer a chat service through the tablet directly with us. Extremely helpful for small inquiries, instructions and putting minds at ease.
  • Manage Booking
    After you book, you can log in to your booking in the top right corner, and edit your dates, extras, activities, itinerary, transportation from airport, vehicle type and more. You can also check out the weather forecast, and road conditions.
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