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?