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travel insurance for camper van

I'm renting a camper van in Iceland. The liability and collision were included in the rental cost. The camper van company offers for an extra cost of 35 euro (dollars) a day insurance for gravel, scratch & dent, theft, and sand & ash, and tire damage. Do you thnk I need the coverage for any of these?
My credit card and personal car insurance say they won't cover it. I checked travel guard and world nomad (recommended by a blog who used them for their camper van in iceland) both say they won't cover it.

Posted by
2010 posts

Yes, you want full insurance in Iceland. We have always rented cars there, but then this summer we also did a camper van for 10 days of the trip. Full insurance, always! Iceland is a whole other animal when it comes to conditions and what can happen to vehicles.

FWIW, we used Happy Campers and were very happy with everything.

Posted by
1409 posts

With credit card CDW coverage, theft of the vehicle usually is covered. But even in countries without volcanoes and glaciers, the auto rental companies’ standard coverage will exclude windshields, tires etc. In a rugged country such as Iceland, there’s a higher likelihood of unexpected damage from the elements, so it is best to get coverage. You might try a Travel Insurance carrier such as Generali and check if adding on vehicle rental coverage to the policy will pick up the remaining items you’ve mentioned.
If Generali doesn’t pan out, you might check www. InsureMyTrip.com for possibilities.
I don’t know if you’ve seen the rates for camper van rentals in Iceland but Yikes! It is very expensive.

Posted by
2010 posts

Keiko--Iceland overall is just expensive. We have been a number of times, and this summer we did a camper van for 10 of our 17 days. It was actually the same price as a regular vehicle per day, so it ended up saving us a lot of money as we did not need to pay for hotels. Campgrounds run about $20-25 per night. So the savings is substantial.

Posted by
1409 posts

Do you return to places you liked, or go to places you haven’t been to on previous visits?

I was just in Norway for a couple weeks and imagine Iceland has similar prices. Gas was about $9.50 per gallon or $2.24 NKK per liter. Camping ( when the weather cooperates) saves money as does renting apartments or cabins with kitchens.

Posted by
2010 posts

Kenko--We have done the entire ring road, but then have also done several week long trips, and then this latest trip was 10 days I the Westfjords, a few days at Thorsmark, a few days at Westmann Island, and then the last night was in Selfoss which we have ben to before. Even if we pass through an area we have been before, we don't repeat excursions or anything. There is so much to see and do there that you could live there for years and still not see it all. We have been to Norway before and the pricing is similar.

Posted by
1409 posts

The Ring Road is on my target list. How long does it take to holiday along the Ring Road in a comfortable amount of time? 🇮🇸

Posted by
2010 posts

We did the ring road in 12 days. We did a lot, but still missed a lot.

Posted by
4385 posts

Rental agencies have discovered that a great source of revenue is nickel and diming their customers for "damage" real or imagined. And since you're not a local, it's really tough to fight and argue and win.

It's probably best to suck it up and pay for absolute full coverage. Which hopefully covers all the complicated plumbing and electrical and gas in a camper.

Posted by
10 posts

Thank you for the information. I am using Happy Campers and glad to hear you had a good experience with them. I will check out the recommended travel insurance companies. I chose using a camper van so I did to have to reserve lodging and could travel at my own pace. That way if I want to stay longer at one place and shorter at another, I have the flexibility. Plus, no shuffling luggage in & out. Any suggestions with renting and using a camper van?

Posted by
2010 posts

Phred—these campers are not like that. No plumbing per se, just a simple hose to a sink for water. There are some not so ethical rental places, but the local ones there are good and pride themselves on that.