Comprehensive Collision Insurance
We can all encounter accidents
or situations that lead to damage in traffic. Our comprehensive collision insurance covers all damage to your car, unless otherwise specified in the terms and conditions. Therefore, it's a good idea to insure your car with us.
or situations that lead to damage in traffic. Our comprehensive collision insurance covers all damage to your car, unless otherwise specified in the terms and conditions. Therefore, it's a good idea to insure your car with us. Together we take care of your car, whether it is insured with traditional comprehensive collision insurance or with Ökuvísir comprehensive collision insurance.
- When you purchase a comprehensive collision insurance, you choose your own deductible. This is the amount you pay if you incur damage. We cover the cost of the damage that exceeds your chosen deductible. The higher deductible you choose, the lower the premium you pay for the insurance. Our customers commonly select deductibles in the range of ISK 106.900 to ISK 156.800.
- Your deductible amount is the same for all damages covered by the comprehensive collision insurance.
- Comprehensive collision insurance is valid in Iceland and while travelling within the European Economic Area, the United Kingdom and Switzerland for up to 92 days from the departure date. If your trip exceeds 92 days, you can extend the coverage for an additional fee.
- Comprehensive collision insurance now provides excellent coverage for damages to electric cars. Whether it's the battery, charging cable, or the car itself that gets damaged, your electric car is well insured with us. With us, your deductible does not increase even if there is damage to the car battery.
The insurance covers
- Vehicle damage due to sudden, external events, not excluded in the insurance terms.
- Vehicle damage due to fire.
- Theft and vandalism of the vehicle or parts thereof.
- Cost of salvage or transport to the nearest repair shop if the vehicle becomes unfit to drive due to compensable damage.
The insurance does not cover
- Damage to the vehicle’s chassis when driving on unpaved roads in the highlands, and damage that can be attributed to this.
- Damage to the vehicle's paintwork due to traditional stone throwing from the road. Traditional stone throwing refers to the incident when loose stones on the road are propelled by a vehicle towards the insured vehicle.
- Damage to the vehicle due to participation in a driving competition or during training in a driving sport.
- Damage to the vehicle due to pets.
- Damage to trailers or other devices that have been attached or connected to the vehicle.
- Damage due to rocks or loose earth materials, such as sand, gravel, or soil.
- Damage to the vehicle's chassis, engine, electrical and electronic equipment, tires, or rims that do not render the vehicle inoperable.
Please note that the above list is not exhaustive. Further information can be found in the insurance terms.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.
Insurance Terms and Other Information
The insurance terms is your contract with VIS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance. We point out that the information document contains a brief summary of the main aspects of the insurance. Further information about the insurance can be found in the insurance terms.