Vehicle comprehensive damage
Information for policyholder
In our assessment, your comprehensive insurance covers the damage to your vehicle. VIS will therefore compensate the damage to your vehicle less the deductible.
Below we have compiled information about the next steps that we hope you will find useful.
Damage inspection and repairs
If the vehicle is not drivable and possibly beyond repair, we would like to receive that information as soon as possible. We will then transport the vehicle to VIS Damage Inspection at Smiðshöfði 3-5. If you feel that this information is not clear enough in the claim notification or police report, we ask that you contact us and let us know where the vehicle is located. Our damage inspectors will then do their best to locate and examine the vehicle and consult with you on how to proceed.
If the vehicle is drivable and able to be repaired, we have summarised the next steps below.
Damage inspection of vehicles is carried out at authorised workshops that have a contract with VIS. The workshop will assess whether the vehicle can be repaired and how much the repairs will cost.
You can choose any workshop that you like from the list. You must contact VIS if you prefer workshops that are not on the list*.
As soon as the vehicle arrives at the workshop, VIS will be in communication with the workshop on how to proceed.
The workshop will examine the damage, take photos, prepare a repair estimate and send it to VIS for approval.
If it is decided to repair the vehicle, the workshop will assign you a time for the repairs.
We recommend that you make sure that the necessary spare parts are available before beginning any repairs, especially in the case of a drivable vehicle.
Rental car
Our Bronze, Silver, Gold and Diamond loyalty category customers are entitled to a rental car of the smallest model while their vehicle is not in drivable condition and while it is being repaired, up to a maximum of 5 days.
Unfortunately, companies and individuals who are not in the VIS loyalty program or in the Copper loyalty category are not entitled to a rental car.
The right to a rental car is limited to the use category of the car. For instance, the right to a rental car is not available in the case of damage to a commercial vehicle registered to an individual's personal identification number.
Frequently, the workshop will be able to provide you with a rental car when the vehicle is brought in for repairs, but you can also book a rental car yourself.
You can see information about your VIS loyalty program status in the VIS app.
Was anyone injured?
If the unfortunate event that you or others were injured in the collision, we would like to remind you that the accident must be reported separately.
Good luck!
---
VIS reserves the right to change a decision on the assignment of fault if new evidence is submitted or if committees or the courts come to a different conclusion on the assignment of fault.
If you believe that the above information is not relevant to your damage, please contact us at 560 5000 or tjon@vis.is.
*According to the principles of tort law, the claimant has the right to be compensated in full. At the same time, it is the responsibility of the claimant to limit their damage as well as seek the most cost-effective way to repair their vehicle. This means that the claimant, who chooses to have their vehicle repaired by a workshop that does not have a contract with VÍS, must inform VÍS about it and the estimated cost of the repair before the repair is carried out. Informing VÍS about these matters is the claimant fulfilling their duty to limit the damage and giving VÍS the opportunity to compare the estimated cost of repairing the vehicle to the average price in the market area in which the workshop in question is located. VÍS will inform the claimant if the cost is generally higher than that market area. If the estimated repair cost of a workshop, which does not have a contract with VÍS, is higher than the average price of a workshop in the market area, VÍS refuses to pay for the repair and points the claimant to a workshop that they can contact and thus limit their damage.
Damage inspection and repairs
If the vehicle is not drivable and possibly beyond repair, we would like to receive that information as soon as possible. We will then transport the vehicle to VIS Damage Inspection at Smiðshöfði 3-5. If you feel that this information is not clear enough in the claim notification or police report, we ask that you contact us and let us know where the vehicle is located. Our damage inspectors will then do their best to locate and examine the vehicle and consult with you on how to proceed.
If the vehicle is drivable and able to be repaired, we have summarised the next steps below.
Damage inspection of vehicles is carried out at authorised workshops that have a contract with VIS. The workshop will assess whether the vehicle can be repaired and how much the repairs will cost.
You can choose any workshop that you like from the list. You must contact VIS if you prefer workshops that are not on the list*.
As soon as the vehicle arrives at the workshop, VIS will be in communication with the workshop on how to proceed.
The workshop will examine the damage, take photos, prepare a repair estimate and send it to VIS for approval.
If it is decided to repair the vehicle, the workshop will assign you a time for the repairs.
We recommend that you make sure that the necessary spare parts are available before beginning any repairs, especially in the case of a drivable vehicle.
Rental car
Our Bronze, Silver, Gold and Diamond loyalty category customers are entitled to a rental car of the smallest model while their vehicle is not in drivable condition and while it is being repaired, up to a maximum of 5 days.
Unfortunately, companies and individuals who are not in the VIS loyalty program or in the Copper loyalty category are not entitled to a rental car.
The right to a rental car is limited to the use category of the car. For instance, the right to a rental car is not available in the case of damage to a commercial vehicle registered to an individual's personal identification number.
Frequently, the workshop will be able to provide you with a rental car when the vehicle is brought in for repairs, but you can also book a rental car yourself.
You can see information about your VIS loyalty program status in the VIS app.
Was anyone injured?
If the unfortunate event that you or others were injured in the collision, we would like to remind you that the accident must be reported separately.
Good luck!
---
VIS reserves the right to change a decision on the assignment of fault if new evidence is submitted or if committees or the courts come to a different conclusion on the assignment of fault.
If you believe that the above information is not relevant to your damage, please contact us at 560 5000 or tjon@vis.is.
*According to the principles of tort law, the claimant has the right to be compensated in full. At the same time, it is the responsibility of the claimant to limit their damage as well as seek the most cost-effective way to repair their vehicle. This means that the claimant, who chooses to have their vehicle repaired by a workshop that does not have a contract with VÍS, must inform VÍS about it and the estimated cost of the repair before the repair is carried out. Informing VÍS about these matters is the claimant fulfilling their duty to limit the damage and giving VÍS the opportunity to compare the estimated cost of repairing the vehicle to the average price in the market area in which the workshop in question is located. VÍS will inform the claimant if the cost is generally higher than that market area. If the estimated repair cost of a workshop, which does not have a contract with VÍS, is higher than the average price of a workshop in the market area, VÍS refuses to pay for the repair and points the claimant to a workshop that they can contact and thus limit their damage.