Good to know
Damage cover & extras

Every price on this site already includes Plus cover: our damage waiver with an ISK 150,000 excess for covered damage, with Gravel & Glass, Sand & Ash and Tyre Protection bundled and Theft Protection included. Mandatory third-party liability insurance is in every rental too. Zero Excess is the one optional upgrade — it takes the covered-damage excess to ISK 0. What is and is not covered is shown here and in the booking flow itself, not in footnotes.
Our handover promise — evidence first
Damage disputes are the number-one complaint about car rental in Iceland. This is how we take the argument out of it:
- Recorded both ways. The car's condition is filmed and photographed with you at pickup and again at return — the same footage for both parties.
- 24 hours to report. Spot something we missed? Report it within 24 hours of pickup (email or WhatsApp) and it is logged as pre-existing — no liability.
- No charge without an itemised invoice. A damage charge is only taken once you have the repair invoice or Cabas assessment, itemised, in writing.
- Deleted after 30 days. Handover video and photos are deleted within 30 days of return unless a claim is open — Persónuvernd Rules 50/2023.
The full process — Vehicle Condition Report, Damage Liability Form, disputes — is on How damage works →
Coverage at a glance
Your excess at a glance
Each tier reduces the maximum you can be charged for covered accidental exterior damage. Choose at booking — no desk hard-sell.
The contract baseline — every price on this site already upgrades it to Plus. The cap on your liability if nothing were included.
Included in every price. Excess ISK 150,000 for covered damage, with Gravel & Glass, Sand & Ash and Tyre Protection bundled.
Covered-damage excess to ISK 0. Exact card authorisation rules are confirmed at booking.
↑ Ladder narrows as excess falls — each step represents a lower maximum exposure.
Figures are indicative — your exact excess is confirmed at booking. Plus (included) bundles Gravel & Glass, Sand & Ash and Tyre Protection; Zero Excess takes the covered-damage excess to ISK 0. See the full matrix below.
Exactly what's covered — and what remains excluded
Even our top cover has limits — here's exactly where it stops before you commit. All figures are confirmed at booking — see Terms.
| Hazard | CDW | Plus | Zero Excess |
|---|---|---|---|
| Collision / accidental body damageexterior panels, bumpers, doors | excess ISK 450,000 | ISK 150,000 | ISK 0 |
| Gravel & flying-stonewindscreen, lights, mirrors — needs Gravel & Glass Protection add-on | +GP: ISK 0 | ||
| Sand & ash storm damagepaintwork, glass, seals — needs SAAP add-on | +SAAP: ISK 0 | ||
| Wind-thrown door damagelimited — open doors into the wind at your own risk; often partially excluded | limited | limited | limited |
| Underbody / undercarriagedamage beneath the vehicle — commonly excluded; take care on rough terrain | excluded | excluded | excluded |
| Tyres & wheelsexcluded from CDW — add Tyre Protection; ISK 20,000–60,000 per tyre otherwise | excl. w/o TP | ||
| Towing / recovery (at fault)chargeable at ISK 675/km plus a recovery start fee; not included in any damage waiver | chargeable | chargeable | chargeable |
| Water / river crossingExcluded under Ring Road Cars cover rules | Excluded | Excluded | Excluded |
| Off-road & F-road misusedriving where the car isn't permitted can void cover — and is illegal in Iceland | Excluded | Excluded | Excluded |
| Wrong fuel · DUI · gross negligenceexcluded under Ring Road Cars cover rules | Excluded | Excluded | Excluded |
All figures confirmed at booking; see Terms. How damage works & the 360° evidence rule → Fees & charges → F-roads guide (what voids cover) →
Your excess (own-risk) tiers
Your maximum exposure depends on which cover level you choose at booking. Your exact excess is confirmed in your quote before you commit.
| Level | Excess | Deposit |
|---|---|---|
| Essential (CDW) | ISK 450,000 | No deposit — card verified by a small pre-authorisation |
| Plus (Super CDW) included | ISK 150,000 | No deposit — card verified by a small pre-authorisation |
| Zero Excess optional | ISK 0 | No deposit — card verified by a small pre-authorisation |
No deposit is taken. Your card is verified by a small pre-authorisation — a temporary hold on your credit or debit card, not a charge — released per your card issuer's procedures. The card must be a physical credit or debit card in the renter's name. More on how the pre-auth works →
Protection options
These are Ring Road Cars' own damage waivers under the rental agreement — they cap what you owe us for damage; they are not insurance policies. Third-party liability insurance is mandatory and included in every rental.
The contract baseline — the waiver the rental agreement is written against. Every price on this site already upgrades it to Plus, so this is the cap that would apply if nothing were included; it is not sold on its own here. The exact figures are confirmed at booking.
- Accidental exterior body damage
- Reduces your liability to the stated excess amount
- Included in your base rental price — no extra charge
- No deposit — your card is verified by a small pre-authorisation, released per your card issuer's procedures
Included in every price on this site. Sets your body-damage excess at ISK 150,000 and bundles in Gravel & Glass, Sand & Ash and Tyre Protection. Theft Protection is already included with every rental free of charge.
- Body-damage excess reduced to ISK 150,000
- Gravel & Glass, Sand & Ash and Tyre Protection included
- Your excess drops — and still no deposit: the card is only verified by a small pre-authorisation
Brings your covered-damage excess to ISK 0. The only optional cover upgrade — a flat day rate on top of the included Plus, never pre-selected, confirmed at booking before you commit. No desk hard-sell.
- Reduces excess to ISK 0 across covered damage categories
- No deposit — the card is only verified by a small pre-authorisation
- Includes Gravel & Glass, Tyre and Sand & Ash Protection
- Day rate and remaining exclusions shown in the booking summary before confirmation
Icelandic roads — including long stretches of the Ring Road — include gravel surfaces where loose stones chip windscreens and bodywork. Standard CDW does not cover this. Gravel & Glass Protection adds cover for gravel stone-chip damage. With this cover, your liability for covered gravel damage — gravel thrown up by another vehicle striking the front windscreen, headlights or foglights — drops to ISK 0; without it, gravel and glass are not covered by CDW.
- Stone-chip damage to the windscreen and painted bodywork
- Damage from loose gravel on paved or unpaved roads
- With this cover: liability for covered gravel damage to the front windscreen, headlights and foglights is ISK 0. Without it: gravel and glass are not covered by CDW.
- Highly recommended for any itinerary including the Eastfjords
Wind-blown volcanic sand and ash can act like fine sandpaper, abrading paintwork, glass, and seals in a matter of hours. This is a year-round risk in Iceland and is not covered by CDW or Gravel & Glass Protection. Sand & Ash Protection covers wind-driven particle damage — with it, the excess for covered sand and ash damage is ISK 0 per incident (if a storm is forecast, avoid the affected area for the cover to remain valid). Without it, sand and ash damage is excluded and charged at documented cost.
- Damage from wind-blown sand and volcanic ash particles
- Paintwork, glass, and seals affected by abrasive particles
- With this cover: ISK 0 excess per incident for sand and ash damage (avoid forecast storm areas). Without it: excluded and charged at documented cost
- Relevant across all of Iceland, especially the South Coast and Highlands
Tyres are excluded from standard CDW — a tyre replacement in Iceland can cost ISK 20,000–60,000 per tyre. Tyre Protection caps your liability for tyre damage. The exact day rate and residual excess are confirmed at booking.
- Covers tyre damage excluded from standard CDW
- Replacement tyres in Iceland: ISK 20,000–60,000 per tyre
- Day rate and excess confirmed at booking
Gravel, glass & tyre — the loose-surface trio. Iceland's gravel and unpaved roads cause most stone-chipped glass, scraped bodywork, and tyre damage. Gravel & Glass Protection and Tyre Protection cover that group — many travellers on gravel-heavy routes (Eastfjords, Westfjords, highland approaches) take both, alongside Sand & Ash Protection.
Theft Protection is included with every rental free of charge — on every cover tier, with nothing to add at booking. It applies provided the vehicle was locked, all keys are returned, and the theft is reported promptly to the police and to us. Iceland has a low vehicle crime rate — and the cover is included either way.
- Theft Protection included with every rental free of charge — no add-on to buy
- Applies when the vehicle was locked, all keys are returned, and the theft is promptly reported to the police and to us
- Keys left in the car and gross negligence are excluded
The Zero Excess option
Zero Excess is a single cover tier that brings your excess for covered damage to ISK 0 and includes Gravel & Glass, Tyre and Sand & Ash Protection. The exact day rate for your vehicle class is confirmed in your quote before you commit.
What is excluded — at every cover level
The following remain excluded under Ring Road Cars cover rules regardless of what you buy. We show them before booking so the limits are clear:
- Gravel and windshield chips — unless Gravel & Glass Protection is added.
- Sand and volcanic ash damage — unless SAAP is added.
- River crossings and ford driving — not permitted; not covered under any protection level.
- Underbody, wheel arch, and suspension damage — damage beneath the vehicle is excluded from CDW. Take care on rough terrain.
- Water damage and flooding — driving through standing water or fording streams is excluded.
- Tyres — unless covered by your chosen protection level.
- F-roads and off-road driving — F-roads require a suitable 4x4 in summer only; standard CDW does not apply on F-roads regardless of vehicle type. Driving off marked roads can void cover and is illegal in Iceland.
- Interior damage — burns, stains, tears, and contamination inside the vehicle are not covered by any damage waiver.
- Wrong fuel — misfuelling can result in significant repair costs and is not covered.
- Driving under the influence or negligent/intentional damage — any damage caused while impaired, or through recklessness or deliberate action, can void cover.
Add-ons & extras
These are the optional extras you can add to your booking. Selected extras are priced in your quote or booking summary before confirmation, and optional items are only added when selected or agreed.
- Additional driverISK 1,250 / day
Each named additional driver is ISK 1,250 per day. Register them on the booking before pickup.
- GPS navigation — always on boardISK 1,700 / day
In-car navigation for your whole trip. Add this and we make sure you have GPS one way or the other: your car comes with built-in sat-nav, or we fit a dedicated device pre-loaded with Icelandic maps — F-roads, highland tracks and named landmarks — if it doesn't. You’ll have navigation either way, with a reliable backup to your phone where mobile signal is patchy.
- 4G WiFi hotspotISK 1,700 / day
A portable 4G router with an Icelandic SIM card, giving you reliable mobile internet throughout the country — useful for real-time road conditions, navigation, and staying connected in remote areas.
- Baby seat (rear-facing)ISK 4,500 / rental
Rear-facing infant seat from birth. Must never be used in a front seat with an active airbag. Approved to current European standards (UN/ECE R129 / i-Size), within the seat's labelled height and weight range. Book by the child's height and weight.
- Toddler seatISK 4,500 / rental
Harnessed seat for after the infant seat. Rear-facing is preferred where the seat allows; forward-facing only when the child meets the seat label — never before 15 months on R129 seats. Book by height and weight.
- High-back booster / child seatISK 4,500 / rental
Positions the vehicle seat belt correctly for older children — the best default booster. In Iceland, children under 135 cm must use suitable child-restraint equipment. Approved to current European standards, within the seat's labelled range. Book by height and weight.
- Booster cushion (backless)ISK 1,000 / rental
A backless booster for bigger children only, used strictly within the seat's approved size range. A high-back booster is preferred when in doubt. Book by height and weight.
- Roof boxOn request
Extra luggage capacity for camping gear, ski bags, or large group kit. Subject to vehicle compatibility — request it with your booking and we'll confirm availability and price.
- Prepaid fuelFrom tank size × pump price
Pay for a full tank up front — priced from your vehicle's tank capacity at the current pump price, shown at booking. Return the car at any level with no refuelling needed; we don't refund fuel left in the tank.
- Snow chains (winter)Price on request
Available in winter months as a supplementary safety measure. Note that studded winter tyres are already included in season — chains are an optional extra for severe conditions.
Mobile network in 2026. Iceland is switching off its 2G and 3G networks during 2026, so older phones and devices can lose service — including for calls and the 112 emergency line. Check your phone supports 4G/5G, keep it charged, and remember coverage is limited in the highlands and some valleys. Our GPS device and 4G WiFi hotspot are reliable backups; the emergency number is always 112.
Child seats — safety & the law. We assign seats by the child's height, weight and age. In Iceland, children under 135 cm must use suitable child-restraint equipment, and children under 150 cm must not sit in front of an active airbag. All seats are approved to current European standards (R129 / i-Size), subject to the seat's labelled height and weight range.
Other items — roof boxes, camping equipment, satellite communicators — can sometimes be arranged on request. Contact us before booking and we will let you know what is available for your dates. Any agreed extras are shown with transparent pricing in your quote or booking summary before confirmation.
Ask about a custom extra →