Are there any restrictions or precautionary rules? - Summer Cottage Insurance

Are There Any Restrictions or Precautionary Rules? 

Where Is The Insurance Valid? - Summer Cottage Insurance

The insurance is only valid for summer cottages located in Iceland. 

Where Is The Insurance Valid?

What are the insured's obligations? - Summer Cottage Insurance

What Are The Insured's Obligations?

When and how is the insurance paid for? - General

The insurance premium must be paid on the due date. Upon renewal, the annual premium is adjusted in accordance with changes in the index from the base index of the agreement. Vörður sends payment claims monthly to online banking services, or annually if the policyholder prefers to pay the premium in a single installment. 

It is possible to change the payment method via Vörður's online service, “My Pages.” There, policyholders can also choose to pay premiums using a credit card. 

When and how is the insurance paid for?

When does insurance coverage begin and how does it end? - General

Insurance contracts are generally valid for 12 months from the date of acceptance of the offer and issuance of the insurance, and premiums are based on the annual premium. If the insurance is not terminated within that period, it is automatically extended. 

When does insurance coverage begin and how does it end?

How is the insurance terminated? - General 

The insurance can be terminated at any time during the insurance period. 

How is the insurance terminated?

Information Document

What Is Covered?

Extensive and comprehensive protection that compensates for damage to the summer cottage itself, such as leaks, storms, and burglaries.

Covers damage to the summer cottage itself, such as leaks, storms, and burglaries.

What Is Not Covered?

The list is not exhaustive. See the insurance terms for more details.

Homeowner Insurance

Contents insurance covers your belongings and personal items that are permanently located in the summer cottage. Owners are insured for major damage to contents caused by fire, water, burglary, storm, collapse, and spoilage of refrigerated or frozen goods. This insurance is always included as part of the summer cottage insurance. In addition, it is possible to add Comprehensive Household Contents Insurance for those who want broader protection for the contents of their summer house. 

Pays compensation for damage to household contents caused by fire, water and burglary.

Household Contents Insurance

Pays compensation if the owner of the summer cottage is held liable for damage they cause to others according to Icelandic laws on liability in tort. 

Pays for damages for which you are held liable as the owner of the summer cottage.

Liability Insurance

An optional addition that covers accidental damage to the general contents and personal effects of the summer cottage.

Pays compensation for sudden damage to household goods and personal belongings.

Comprehensive Household Contents Insurance

An optional addition that covers loss or damage to decks as well as small houses located next to the summer cottage or on the summer cottage property. 

Covers loss or damage that may occur to decks and small houses due to, for example, fire, damage, or water.

Decks and Small Houses

An optional addition that covers loss or damage to a hot tub located by the summer cottage or on the summer cottage property.

Pays compensation for loss or damage to a hot tub, for example due to fire, physical damage, or frost cracks.

Hot Tub

Summer Cottage Insurance

Property Insurance

Terms and Conditions

Vörður operates according to the various policies and rules that can be found here on the website.

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Terms

About Vörður

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