Insurance Policy

Full insurance included

Zero excess. No deposit. Zero Worries.

With Zero Car, you do not need to choose between confusing insurance packages when you pick up your car.

Full insurance with zero excess is included in the price you see online.

That means:

  • No deductible.
  • No deposit.
  • No surprise insurance upsells.
  • No complicated decisions at pickup.

We built Zero Car to make renting a car in Iceland simple, clear and worry-free. Many travelers worry about damage liability, deposits and unexpected costs. With Zero Car, the most important protection is already included before your trip begins.

What Zero Car Insurance Includes

Every Zero Car rental includes the protection you need for a simpler Iceland road trip.

  • Collision Damage Waiver (CDW)
  • Super Collision Damage Waiver (SCDW)
  • Theft Protection (TP)
  • Gravel Protection (GP)
  • Sand and Ash Protection (SAAP)
  • Zero Excess Insurance
  • 24/7 Roadside Assistance Waiver
  • No deposit
  • Unlimited mileage

The price you see online is the price you pay.
No hidden insurance packages. No pressure at pickup. No confusing decisions. No Roadside costs.

 


ROADSIDE ASSISTANCE IS INCLUDED

Every Zero Car rental includes 24/7 Roadside Assistance Waiver.

If something happens on the road, our assistance team is there to help. You do not need to buy an extra roadside package at pickup.

This is part of the Zero experience:

  • Full insurance included.
  • Roadside assistance included.
  • Zero excess included.
  • No deposit required.

Please note that roadside assistance does not cover situations caused by negligence, misuse, illegal driving or driving where the vehicle is not allowed.

What our insurance does not cover

Zero excess does not cover damage caused by negligence, misuse, illegal driving or violation of the rental terms.

The following damages are not covered:

  • Damage caused by off-road driving
    Driving off marked roads is illegal in Iceland and is not covered by insurance.
  • Damage caused by driving while intoxicated
    Any damage caused while driving under the influence of alcohol or drugs is not covered.
  • Damage caused by reckless or negligent driving
    This includes unsafe driving, misuse of the vehicle or ignoring road and weather conditions.
  • Damage caused by standing, sitting or climbing on the vehicle
    This can damage the bodywork, roof, bonnet or other parts of the car.
  • Damage to the interior of the vehicle
    Interior damage is not covered by insurance.
  • Mechanical damage caused by misuse
    This includes damage to the clutch or other mechanical parts caused by negligence or incorrect use of the vehicle.
  • Damage caused by using the wrong fuel
    Putting the wrong fuel in the vehicle is not covered.
  • Damage caused by adding fluids to the wrong tank or system
    This includes fuel, water, oil or other fluids being added incorrectly.

 


 

CHARGES NOT COVERED BY INSURANCE

Some charges are not covered by any insurance because they are not considered normal covered damage.

These include:

  • Traffic fines
    Such as speeding tickets or other driving violations.
  • Parking fines
    Including unpaid parking charges.
  • Tunnel fees and road fees
    Any unpaid tunnel fees, road fees or related service charges.
  • Lost keys or lost accessories
    Including car keys, GPS units or other rented accessories.
  • Costs caused by putting the wrong fuel in the vehicle
    This includes recovery, repair or cleaning costs related to incorrect fuel use.
  • Towing or recovery caused by misuse
    For example, getting stuck in snow, sand, water or rivers because of unsafe driving, misuse or driving where the vehicle is not allowed.