North Campers
Camper Van Rental Insurance Policy 🛡️🚐
Overview
All our camper van rentals come with Standard Collision Damage Waiver included.
What is Collision Damage Waiver (CDW)? 🤔
Great question! Collision Damage Waiver is a type of coverage offered by North Campers 😉 that limits your financial responsibility if the rental vehicle is damaged in a collision or accident. Without a Collision Damage Waiver, you could be responsible for the full cost of repairs but with a CDW, your maximum liability is limited to a certain amount.
To give you extra peace of mind and reduce your potential liabilities, we offer several optional insurances designed to suit your travel needs and comfort level.
🔰 Included Insurance
1️⃣ STANDARD Collision Damage Waiver
Cost: FREE (included in the rental price)
Maximum Liability: Up to €3000
Security deposit needed: €3000
✅COVERS
-Collision damage waiver (CDW): Damage to vehicle’s body and paintwork caused by collisions, gravel, or loose rocks (see exclusions below)
-Third party liability insurance: Covers damage or injury caused to other people, vehicles, or property)
❌DOES NOT COVER
-Damages to the windshield and other windows of the vehicle
-Damage to headlights and other exterior lights of the vehicle
-Damage caused by natural events (sand and ash damage)
-Wheel / tire damage
-Theft of vehicle parts
-Personal belongings
⚠️ NOTE: We kindly ask you to read the exceptions below.
🛡️ Optional Insurances
2️⃣ SILVER Insurance
Cost: €25/day
Maximum Liability: Up to €1500
Security deposit needed: €1500
✅COVERS
-Collision damage waiver (CDW): Damage to vehicle’s body and paintwork caused by collisions, gravel, or loose rocks (see exclusions below)
-Damage to headlights and other exterior lights of the vehicle
-Damage caused by natural events (sand and ash damage)
-Theft of vehicle parts
-Third party liability insurance: Covers damage or injury caused to other people, vehicles, or property)
❌DOES NOT COVER
-Damages to the windshield and other windows of the vehicle
-Wheel / tire damage
-Personal belongings
⚠️ NOTE: We kindly ask you to read the exceptions below.
3️⃣GOLD Insurance
Cost: €35/day
Maximum Liability: Up to €700
Security deposit needed: €700
✅COVERS
-Collision damage waiver (CDW): Damage to vehicle’s body and paintwork caused by collisions, gravel, or loose rocks (see exclusions below)
-Damages to the windshield and other windows of the vehicle
-Damage to headlights and other exterior lights of the vehicle
-Damage caused by natural events (sand and ash damage)
-Theft of vehicle parts
-Third party liability insurance: Covers damage or injury caused to other people, vehicles, or property)
❌DOES NOT COVER
-Wheel / tire damage
-Personal belongings
⚠️ NOTE: We kindly ask you to read the exceptions below.
4️⃣PLATINUM INSURANCE
Cost: €48/day
Maximum Liability: €0
Security deposit needed: €0
✅COVERS
-Collision damage waiver (CDW): Damage to vehicle’s body and paintwork caused by collisions, gravel, or loose rocks (see exclusions below)
-Damages to the windshield and other windows of the vehicle
-Damage to headlights and other exterior lights of the vehicle
-Damage caused by natural events (sand and ash damage)
-Wheel / tire damage
-Theft of vehicle parts
-Third party liability insurance: Covers damage or injury caused to other people, vehicles, or property)
❌DOES NOT COVER
-Personal belongings
⚠️ NOTE: We kindly ask you to read the exceptions below.
5️⃣ TIRE Insurance
Cost: €7/day
Why it matters: We have all been there. Flat tires, punctures, blowouts. It can happen anytime. 🙁
Coverage: Tire Insurance reduces your liability to €0 in case the unfortunate situation presents itself. Tire protection covers workshop costs and the price of a new tire if one has to be purchased.
Note: It is the customer’s responsibility to replace a flat tire with the spare.
🚫 Insurance Exceptions – What’s Not Covered
🚗 Reckless or Illegal Driving
The insurance does not cover any incidents resulting from:
-Driving under the influence of alcohol or drugs
-Excessive speeding or reckless driving behavior
⚠️ Such actions will void your insurance and may result in full liability for damages.
🌬️ Wind Damage
Iceland is known for its strong winds—please be extra cautious when opening campervan doors.
⚠️ Damage caused by wind catching and blowing the doors open is not covered by any of the insurances.
Always hold the doors firmly when opening, especially in exposed areas.
🧱 Undercarriage Damage
Damage to the undercarriage—such as from rocks, road debris, or uneven terrain—is not covered by any of the insurance.
⚠️ If you notice signs of damage (e.g., oil leaks, unusual noises, or warning lights), please contact us immediately.
Addressing small issues early can prevent serious, costly problems later.
🛞 Flat Tires
All our camper vans are rented with 5 working tires. The vehicle must be returned with all 5 tires in good condition.
If you get a flat tire during your trip, don’t hesitate to contact us. We work with trusted partners across the country and can direct you to the nearest workshop for assistance.
Please note:
-It is the renter’s responsibility to replace the flat tire with the spare.
-You are also responsible for covering the repair cost at the workshop.
💡 Important:
If you have purchased Tire Protection Insurance, keep the receipt from the repair. You’ll be eligible for a refund at the end of your journey.
🛣️ Driving on Prohibited Roads
2-Wheel Drive Campervans:
2WD campervans are not allowed on the following roads:
-All F-roads (mountain/highland roads)
-Road 35 (beyond Gullfoss)
-Road 550
-Road 864 (Dettifoss west approach – use Road 862 instead)
⚠️Driving on any of these roads without authorization will void your insurance and result in a €500 fine.
4-Wheel Drive Campervans:
4×4 campervans are allowed on F-roads except the following:
-F88
-F208
-F210
-F249
-F261
⚠️Driving on these restricted F-roads without authorization will void your insurance and result in a €500 fine.
🌊 River crossing
2-Wheel Drive Campervans
River crossing is strictly prohibited with 2WD campervans.
⚠️Doing so will void your insurance, and you may be held liable for the full value of the vehicle.
4×4 Vehicle Conditions
While river crossings are permitted for 4×4 vehicles, any damage caused by river crossings is not covered by insurance.
🛻🪝Towing:
North Campers will cover towing costs if the service is required due to a mechanical issue with the vehicle.
⚠️ However, towing will not be covered if it is needed as a result of irresponsible driving, such as:
-Getting stuck off-road
-Driving on prohibited roads
-Causing damage through careless or reckless operation
In these cases, the renter is responsible for all towing expenses.
If you have any questions about where you can drive or what’s covered, don’t hesitate to ask us before your trip begins. We’re here to help you stay safe—and insured—on the road.