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F Plus Liability Insurance

According to Icelandic law,underlineyou are liable for damages if you cause personal injury or property damage to others in a culpable and illegal manner.

More About F Plus Liability Insurance

  • Liability Insurance pays compensation to your injured party if you are liable for damages. The insurance also provides compensation for costs that may be incurred by you if a claim for damages is made against you.
  • As liability is often a complex legal issue, we advise you to consult with us about your legal position if a claim is made against you in respect of damage for which you are believed to be at fault. We especially advise you not to accept liability without consulting us.
  • The F Plus Liability Insurance also covers damage due to mopeds in category I and bicycles that are not subject to insurance according to traffic law.

Liability insurance for individuals is included F Plus 2, 3 and 4 and optional in F Plus 1. However, there is a difference in the amount of compensation, the deductible amount and the extent of protection depending on which F Plus package you choose.

More About F Plus Liability Insurance

The insurance covers

  • Costs that you must pay if you are liable for damages according to tort law.
  • Costs that you must pay if you are liable for damages due to an incident that occurred because you were the driver of a moped in category I.
  • Costs for damage caused by your children under the age of 10, even though they are not liable for damages due to their age.

The insurance does not cover

  • Damage that occurs following a specific task that you have been assigned to perform. Often referred to as "damage in contract".
  • Costs for damage caused by the parties covered by the insurance to each other.
  • Costs due to damage that you cause at work.
  • Costs for damage to items you have borrowed.
  • Costs for damage caused by you as the owner or user of vehicles, firearms or animals.
  • The part of the claim that falls under the deductable.

Please note that the above list is not exhaustive. Further information can be found in the insurance terms for F plus 1-4.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.