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Insurance for a camper van

We are leaving the capital and doing ring road for 8 days. Have any of you done this? I am over-whelmed by what insurance coverage that I should get!

If I take all what they offer, it will add $50.00 per day; any suggestions would be so appreciated!!

THANK you in advance!

Posted by
1177 posts

That may be reasonable as you can sleep in Van, too. Just make sure it covers Volcanos!

Posted by
4827 posts

On our trip, we rented a 4-wheel drive SUV, but didn’t purchase a full insurance package. We’ve usually just gone with the coverage offered by the Visa card used to pay for the rental. In the end, luckily, we didn’t need to file a claim, although we also saw a car just ahead of us flip off the highway on ice, which resulted in a fatality. This was in early April - when will you be visiting? The decision to get or decline insurance is a bit of a question - how much risk are you willing to assume, and what are you willing to pay for more peace of mind?

I wonder - A) what’s the daily fee for just the vehicle rental, compared to the potential additional $50 fee just for insurance, and B) what kind of deductibles are you facing, even with the insurance, if you have a claim, and C) are there any alternative rental companies that offer a better rate?

Also, if you’re on the far end of Iceland and something happens, does the insurance get you back to Reykjavik? Last, we didn’t have a windshield damage situation, but it seems to me there was a big deal made about coverage for a sandblasted or cracked windshield. Is damage to the camper windshield included n the insurance package? Or are you still left with a big expense, should the windshield get damaged?

Posted by
7393 posts

We’ve usually just gone with the coverage offered by the Visa card used to pay for the rental

If this is a plan you are considering be sure your credit card covers a 'camper van' type of vehicle. I suspect not.

Posted by
14 posts

We too have ALWAYS relied on our credit card for coverage and ALWAYS decline the car rental insurance. HOWEVER, because we are in Iceland and it is not a "car" (it is a camper van), our credit card does not cover RV's. What we are renting is certainly NOT an RV (lol), it doesn't even have a frig or a heater.

Someone asked when we would arrive--we will be in Iceland in 2 weeks.

I guess because we have never purchased insurance thru our rental agencies that it is a bit over-whelming. I've alway felt that insurance is throwing money out of the window because we have always relied on our awesome credit cards!!

Another other advise IS appreciated!!!

Posted by
2080 posts

Get the insurance. It not just about traffic incidents and accidents, you never know what nature might throw at you in Iceland.