Insurances
GO Car Offers

Insurance can ease your mind when renting a car in Iceland, but there are so many different kinds. So which one do you need? Here is the list of our types of Insurance Coverage and what adventurers they are best for. Each plan has different insurance perks and you can discuss them all with our Rental Car Specialists.

Gravel Protection

Gravel Protection covers damages from gravel to your rental car, including the body, headlights, and windshield. It's crucial for Iceland's rough roads, which can be slippery and prone to accidents. Basic insurance has a gravel protection excess of €1000, Silver has €250, and both Gold and Platinum have zero excess.

Collision Damage Waiver

The Collision Damage Waiver (CDW) limits your financial responsibility for damage to the rental car, covering most repair costs. All plans include CDW, ensuring peace of mind during your rental period.

Third-Party Liability Insurance

Third-Party Liability Insurance covers damages to other vehicles or property in the event of an accident. It is included in all plans, offering comprehensive protection against third-party claims.

Theft Protection

Theft Protection covers the rental car against theft, but it does not cover personal items stolen from the car. This ensures your rental vehicle is protected, but you should take care of your personal belongings.

Super Collision Damage Waiver

The Super Collision Damage Waiver (SCDW) reduces your excess liability to €1000 in case of a collision. This is included in Gold and Platinum plans for enhanced protection.

Zero Excess

Zero Excess means you have no financial liability in case of any damages to the rental car. This is available with the Platinum plan, ensuring complete peace of mind.

Sand and Ash Protection

Sand and Ash Protection covers damages from sand and volcanic ash, common in Iceland. This is included in the Platinum plan, providing additional security for unique local conditions.

Tire Protection

Tire Protection covers damages to the rental car’s tires but does not cover the cost of replacing them. We cover the repair of the damaged tire or the cost of a new tire. This is included in the Platinum plan, ensuring comprehensive coverage.

Zero Towing Cost

Zero Towing Cost means that you won’t be charged for towing services if needed, except for snow towing. This is covered under the Platinum plan.

Free Extra Driver

Free Extra Driver allows you to add an additional driver at no extra cost, included in the Platinum plan for added convenience.

Free Car WiFi

Free Car WiFi provides internet access on the go, included in the Platinum plan, ensuring connectivity throughout your trip.

Not Covered By Insurance

Here are some examples of circumstances that are not covered by insurance.

1 Intentional damage or damage due to gross negligence on the driver‘s part. You need to treat your rental car as if it was your own to avoid any extra costs.

2 Damage resulting from the driver being under the influence of alcohol, stimulants, or sedatives or in any other way incapable of driving the vehicle safely. It is pretty simple, drive sober!

3 Damage due to race or test driving. Make sure to be conscious of Iceland’s speed limits. Save your need for speed for hiking through Iceland's mountains instead.

4 Damage due to war, revolution, civil unrest, or riots. This is unlikely in Iceland, thanks to it being one of the most peaceful countries in the world.

5 Damage done by animals. Iceland has a lot of free-roaming animals, such as sheep. Always be aware and alert when driving, especially through the Icelandic countryside.

6 Holes burned into seats, carpets, or mats. Don’t be that traveler!

7 Damage affecting only wheels, suspension, batteries, glass (other than windows), radios, or loss by theft of parts of the vehicle and damage resulting from this.

8 Damage caused by driving on rough roads to the vehicles transmission, drive, and other parts that are in or attached to the chassis; damage to the chassis resulting from the vehicle scraping bottom on rough roads as a result of ridges being left by road graders; stones lodged in the road surface or on the shoulder of the road. The same applies to damage occurring when stones are thrown up, striking the vehicle‘s underside during driving. This could include F-Roads, so always research the roads before driving on them.

9 Damage resulting from driving in places where vehicle traffic is banned, such as paths, tracks, banks of snow, ice, unbridged rivers or streams, beaches, places only accessible at low tide, or other trackless areas. This could also result in a big ticket, so read the road signs.

10 If the lessee is spotted and proven to be driving off-road, driving on F-roads with a non-4x4 vehicle, driving on closed roads, or any roads not suitable for the vehicle currently driving, the lessee accepts to pay an additional fine of 250€.

11 If the vehicle is transported by sea, no compensation will be paid for damage caused by sea spray/seawater. This also includes any water damage to the vehicle

12 Damage to the door, fender, hinges, or any other part damaged due to the wind catching the doors. Just another reason to check Iceland’s weather before hitting the open road.

13 Damages to passenger cars and/or 2WD vehicles caused by driving on roads marked with an F on public maps as well as driving on Kjölur (road 35), Kaldidalur (road 550), and Dettifoss road east side (road 864). These are dangerous and rough roads, so always ask our rental car specialist before taking on certain F-Roads.

14 Damage to the rims of the rental vehicle.