Most people who engage in any type of cycling as a public sport are insured if they have accident insurance during leisure time that comes with Home Protection 2, 3 and 4. Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance and request a special endorsement stating that the insurance covers accidents that occur during a competition or in preparation for a competition. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 is valid anywhere in the world, so cyclists are covered abroad. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 applies when cycling in the mountains, although not in mountain bike competitions. 

Accident insurance during leisure time, which comes with Home Protection, applies to those who are competing or training for a competition in the case of street races where the public is given the opportunity to participate without any minimum skill or ability requirements. Elite athletes should consider their protection carefully and insure themselves specially. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 is valid anywhere in the world, so cyclists are covered abroad. 

If a bicycle is stolen from a locked apartment or vehicle, compensation is paid from the household contents insurance that comes with Home Protection. The maximum compensation is 1-2% of the insured amount of the contents, depending on which category the Home Protection is in, 1, 2, 3 or 4. We always recommend insuring more expensive bicycles specially with Bicycle Insurance, which also includes more extensive theft insurance. 

Bicycle Insurance covers theft of a locked bicycle stored in a locked storage room or other premises and if it is stored outdoors. Theft of a bicycle abroad is covered by luggage insurance, which is part of Home Protection 2, 3 and 4. 

The personal liability insurance that comes with Home Protection 2, 3 and 4 applies to damage you cause to others in a tortious manner, with certain limitations. Bicycle insurance also includes liability insurance, which covers damage you cause to others. 

All bicycles are insured by Home Protection up to a certain amount. Bicycles and equipment can be worth a lot of money, so it is important to familiarise yourself with the maximum compensation amount in the Home Protection policy you have. The more valuable the bicycle is, the more important it is to insure it specifically with Bicycle Insurance. 

The Bicycle Insurance compensates loss or damage to a bicycle due to sudden and unforeseeable mishaps during transportation, use, or storage during the insurance period. Loss or damage to a bicycle may also be covered by household contents insurance or comprehensive household contents insurance, which are part of Home Protection 1, 2, 3 and 4. The maximum compensation amount is in Home Protection, so individuals need to insure expensive bicycles separately with Bicycle Insurance. 

Critical illness insurance provides you and your family with financial protection in the event of a serious illness covered by the policy.

Critical illness insurance is necessary for most people, regardless of family circumstances, as serious illnesses can occur unexpectedly.

Critical illness insurance pays you a benefit if you are diagnosed with a specified illness. It allows you to reorganize your life and focus on recovering your health without worrying about your household finances. The illnesses covered are listed in the information document and in the insurance terms and conditions.

Individuals aged 18–59 may apply for critical illness insurance, which remains valid until the age of 70.

Critical illness insurance is valid worldwide.

The premium is based on the insured amount and the age of the insured. The assessment also considers your circumstances, such as family size, financial obligations, and how long you continue to receive salary income during illness. Various health- and lifestyle-related factors may also affect the premium.

The rules used as a reference for risk assessment are outlined here.

You decide the compensation amount of the critical illness insurance. It should reflect your income, debts, and family circumstances. Ideally, the insurance should cover the equivalent of 2–3 years of net salary in addition to employees’ contractual sick pay rights. You may increase the insured amount if you have a child, adopt a child, or purchase residential property, without submitting new health information.

Critical illness insurance compensation is paid as a lump sum and are exempt from income tax. Only one payment is made per benefit category.

The illnesses covered are divided into five benefit categories:

• Stroke, paralysis, and aphasia

• Cancer

• Neurological and degenerative diseases

• Cardiovascular diseases

• Other serious illnesses

Further details can be found in the information document or the insurance terms and conditions.

Compensation is paid approximately two weeks after all necessary and satisfactory documentation has been received by the insurance company.

Premium waiver is optional additional protection within the critical illness insurance that can be selected when applying.

This means that if you become unable to work by 50% or more, you may apply to have your insurance premiums reduced or waived. The waiver of premiums can last for a maximum of five years and is proportional to the degree of incapacity of work.

A more detailed definition of premium waiver can be found in the terms and conditions of the critical illness insurance.

• Accident insurance during leisure time is included in Home Protection 2, 3 and 4. The coverage applies to ski trips both in Iceland and abroad.

• Accident insurance during leisure time provides compensation for accidents that occur in your free time, including dental injuries, disability and daily allowance payments.

• Coverage limits and conditions may vary between levels of Home Protection. We recommend checking the Home Protection comparison to see what applies to your policy.

• Yes, all our Home Protection plans include Liability insurance.

• Liability insurance can be especially useful when skiing abroad, as it covers damage you may accidentally cause to others.

• In some countries, travellers are required to show proof of liability insurance at ski resorts. For example in Italy, this is mandatory.

• Home Protection 2, 3 and 4 offer several optional travel insurance add‑ons, including Baggage insurance, Cancellation insurance and Interruption insurance.

• We recommend having a look at My Pages to see which travel insurance options apply to your Home Protection plan.

• Vörður provides travel insurance for credit card holders of Arion Bank and Landsbankinn. It’s important to review which insurance benefits are included with your card before you start your trip.

• It depends on which credit card you have and which bank issued it. We recommend reviewing each card individually on our website.

• Travel insurance benefits that can be included with credit cards can for example cover medical expenses, trip reimbursement, and baggage insurance.

• The Travel insurance included in Home Protection and the Travel insurance that comes with credit cards differ in scope and may be subject to different terms and conditions. It can therefore be useful to review what each product covers.

• In some cases, it may be beneficial to have Travel insurance through both your Home Protection and your credit card—especially in the event of extensive damage or loss, as the insurances may cover different aspects of the claim.

• We recommend reviewing the terms of both insurances to see what best suits your travel plans.

• Ski equipment is considered part of your household belongings and is therefore covered as baggage in your Travel insurance — both under Home Protection and through your credit card’s Travel insurance, just like any other luggage you take with you on your trip.

• If you have very high‑value ski equipment, it’s best to get in touch with us so we can review your coverage together.

Home Protection 1 is a simple and secure home contents and liability insurance in one package. It is well suited for individuals who are just starting out, are childless and do not need accident or travel insurance. It covers damage to household contents and other personal belongings. Home Protection 1 also includes liability insurance. 

The insurance covers the policyholder, their spouse/cohabiting partner and unmarried children. These individuals must have a shared legal residence in Iceland, live at the same address, and maintain a joint household. 

Household items are items that are part of a general household and are not considered part of the property or its general accessories. Items that you would normally take with you when moving are considered household items. However, we recommend that expensive items, such as works of art, jewelry, expensive bicycles, special hobby equipment and other items that require special inspection and may even require separate insurance. Compensation for damage to such items is subject to rules on maximum compensation, which means that the compensation may be lower than the actual value of the items. 

There is no travel insurance included in Home Protection 1, but you can add such insurance to Home Protection 2, 3 and 4. You may also have travel insurance through your credit card. 

The property owner is responsible for insuring the property itself, but you need to take care of insuring yourself and your household contents. It is therefore sensible for everyone to have Home Protection, including those who rent. 

Home Protection 2 is a basic insurance package for families and is well suited for individuals and families who are starting to live together or downsizing. It covers damage to household contents and other personal belongings, as well as accidents involving family members during their free time, while performing household tasks, or while studying. The package also includes liability insurance, and optional travel and cancellation insurance for those who want additional coverage. 

The insurance covers the policyholder, their spouse/cohabiting partner and unmarried children. These individuals must have a shared legal residence in Iceland, live at the same address, and maintain a joint household. 

Household items are items that are part of a general household and are not considered part of the property or its general accessories. Items that you would normally take with you when moving are considered household items. However, we recommend that expensive items, such as works of art, jewelry, expensive bicycles, special hobby equipment and other items that require special inspection and may even require separate insurance. Compensation for damage to such items is subject to rules on maximum compensation, which means that the compensation may be lower than the actual value of the items. 

Travel insurance is an optional add-on to Home Protection 2. This add-on includes travel health insurance, baggage insurance, and trip cancellation insurance. 

Coverage can vary significantly. Insurance policies included with credit cards differ, and we recommend reviewing the specific coverage that comes with your credit card. 

We recommend that high-value items—such as artwork, collectibles, expensive bicycles, and other valuable leisure equipment—be insured separately. Compensation for such items is subject to maximum benefit limits, which may result in payouts that are lower than the actual value of the items. 

Home Protection 3 is the most common family protection offered by Vörður and is well suited to families, small or large. The insurance provides extensive and comprehensive protection and includes all the main insurances necessary for a home and family. 

The insurance covers the policyholder, their spouse/cohabiting partner and unmarried children. These individuals must have a shared legal residence in Iceland, live at the same address, and maintain a joint household. 

We recommend that high-value items—such as artwork, collectibles, expensive bicycles, and other valuable leisure equipment—be insured separately. Compensation for such items is subject to maximum benefit limits, which may result in payouts that are lower than the actual value of the items. 

Household items are items that are part of a general household and are not considered part of the property or its general accessories. Items that you would normally take with you when moving are considered household items. However, we recommend that expensive items, such as works of art, jewelry, expensive bicycles, special hobby equipment and other items that require special inspection and may even require separate insurance. Compensation for damage to such items is subject to rules on maximum compensation, which means that the compensation may be lower than the actual value of the items. 

Travel insurance is an optional add-on to Home Protection 3. This add-on includes travel health insurance, baggage insurance, baggage delay insurance, and trip cancellation insurance. 

Coverage can vary significantly. Insurance policies included with credit cards differ, and we recommend reviewing the specific coverage that comes with your credit card. 

Home Protection 4 is the most comprehensive family protection offered by Vörður, covering all key aspects of household protection. Deductibles are generally lower and compensation are higher than Home Protection 1,2, and 3. It is well suited for those who want the best possible protection for their family and household contents at all times.  

The insurance covers the policyholder, their spouse/cohabiting partner and unmarried children. These individuals must have a shared legal residence in Iceland, live at the same address, and maintain a joint household. 

Household items are items that are part of a general household and are not considered part of the property or its general accessories. Items that you would normally take with you when moving are considered household items. However, we recommend that expensive items, such as works of art, jewelry, expensive bicycles, special hobby equipment and other items that require special inspection and may even require separate insurance. Compensation for damage to such items is subject to rules on maximum compensation, which means that the compensation may be lower than the actual value of the items. 

Travel insurance is an optional add-on to Home Protection 4. This add-on includes travel health insurance, baggage insurance, baggage delay insurance, and trip cancellation insurance. 

We recommend that high-value items—such as artwork, collectibles, expensive bicycles, and other valuable leisure equipment—be insured separately. Compensation for such items is subject to maximum benefit limits, which may result in payouts that are lower than the actual value of the items. 

Coverage can vary significantly. Insurance policies included with credit cards differ, and we recommend reviewing the specific coverage that comes with your credit card. 

Homeowner insurance is for all property owners. 

Homeowner insurance provides extensive and comprehensive protection for the property and compensates for damage, e.g. due to water, fog, burglary, cloudbursts, or thawing. A detailed list of what is covered and what is not covered can be found in the insurance's information document. 

Yes, it is possible that your housing association has a homeowner insurance. We encourage you to look into it at your earliest convenience. 

When you sell a property, the principle is that your homeowner insurance lapses at the same time as your fire insurance. Homeowner insurance never automatically transfers between properties when moving. It is therefore important to contact us when you have bought a new property and get an offer for homeowner insurance, if there is no insurance in place with the housing association. 

No, the tenant does not need to have this insurance. Only the owner of the property. 

Life insurance is financial protection for the dependants of those who hold such insurance.

If you have life insurance and pass away due to illness or an accident, your dependants, or those you choose, will receive compensation.

Those who have others depending on them or who have taken on financial obligations for which others would be responsible should consider life insurance. Financial obligations include, for example, a mortgage, car loan, bond loans, overdrafts, or other debts.

You decide who receives the benefits from your life insurance. If you do not name a specific beneficiary, the benefit amount is paid to your spouse, if applicable. If you leave no spouse, the benefit is paid to your legal heirs in accordance with the law or a will. You may also designate individuals you wish to be entitled to the benefits, such as a cohabiting partner.

The options are as follows:

• Legal heirs: Your married spouse receives 1/3 of the amount and your children receive 2/3 of the amount.

• No designated beneficiary: Your married spouse receives the full amount. If you are not married, the full amount is paid to your children. If there is no spouse or children, the amount is paid to your parents.

• Named beneficiary: You choose who receives the benefits. If you have a partner but are not married, this option must be used if your partner is to receive the payout.

Life insurance compensation is paid as a lump sum to the beneficiary and are exempt from income tax.

The price of life insurance is calculated according to the premium rate schedule and depends on the insured amount and the age of the policyholder. The price is independent of gender and increases in line with the consumer price index and as the policyholder ages.

When applying for life insurance, you choose the compensation amount. It should reflect your income, level of debt, and family circumstances. You should regularly review the insured amount when your circumstances or family situation change.

Life insurance is valid worldwide.

Individuals aged 18–62 may apply for life insurance, which remains valid until the age of 75.

• Vehicle insurance consists of liability insurance and accident insurance for the driver and the owner. Liability insurance compensates for personal injury and property damage caused by the vehicle. Accident insurance compensates for injuries suffered by the driver in an accident they cause, as well as injuries to the vehicle owner if they are injured as a passenger in their own vehicle.

• Comprehensive insurance covers damage to a vehicle if damage occurs for which the owner is personally responsible or if the vehicle suffers external damage. The policyholder chooses the deductible and pays it if the car is damaged, while the insurance company pays the remaining amount.

• Windshield insurance covers breakage of a car window, including installation costs. The deductible for windshield insurance is 25% per claim, but if the windshield is repaired rather than replaced, there is no deductible.

• The insurance is valid in Iceland, other EEA member states, the United Kingdom, and Switzerland. A condition is that an international motor insurance card, known as the “Green Card,” is obtained.

• A registration-required vehicle is a motor vehicle, motorcycle, off-road vehicle, tractor, trailer for a motor vehicle or tractor designed for a gross weight of more than 750 kg, a caravan, or a camping trailer. Vehicles must be registered before being put into use.

• You notify us when a vehicle has been deregistered, and the insurance is then cancelled from the date of deregistration. This applies to mandatory vehicle insurance as well as voluntary insurance such as comprehensive insurance.

• If license plates are surrendered without deregistration, comprehensive insurance is not automatically cancelled, as the insurance covers various types of losses that may occur even when plates are surrendered, such as vandalism, severe weather, and theft.

• Liability insurance does not apply unless a racing endorsement is purchased. However, this endorsement does not cover damage the vehicle causes to other participants in a driving competition, whether bodily injury or property damage.

• Accident insurance for the driver and owner, windshield insurance, and comprehensive insurance never apply during driving competitions.

Fire insurance is a mandatory insurance for everyone who owns a property. 

The property specified in the certificate and its customary fixtures that is covered by the property's fire insurance valuation. This can include, for example, permanent fixtures and stove. A detailed list of what is covered and what is not covered can be found in the insurance's information document. 

When you buy a property from a real estate agent, they send a notification to the Property Register and then the fire insurance is transferred to the buyer without them having to do anything in particular. If the sale does not go through a real estate agent, the owner must complete the request for insurance. 

No, the tenant does not need to have this insurance. Only the owner of the property. 

Yes, you can have your property assessed or re-assessed and then contact Registers Iceland. 

If the property is considered to be worth more than the fire insurance valuation indicates, additional fire insurance may be a good option. Additional fire insurance increases the value of the fire insurance valuation beyond what Registers Iceland has published. 

Barnatrygging veitir víðtæka fjárhagslega vernd fyrir börnin okkar vegna slysa eða sjúkdóma sem þau kunna að verða fyrir og geta haft alvarlegar afleiðingar fyrir heilsu þeirra.

Barnatryggingar eru góð viðbót við líf- og sjúkdómatryggingu og fjölskyldutryggingu. Sjúkdómatrygging tryggir börn að helmingi bótafjárhæð foreldis, þó að hámarki 10 milljónir króna, komi til sjúkdóms sem tryggingin tekur til og líftrygging greiðir dánarbætur 750.000 krónur.

Barnatryggingin er fyrst og fremst örorkutrygging vegna sjúkdóma eða slysa en einnig fjárhagslegur stuðningur við foreldra. Tryggingin tekur líka til sjúkdóma sem eru ekki hluti af sjúkdómatryggingu foreldra, líkt og sykursýki 1, ásamt því að greiða sálfræðiþjónustu vegna áfalla.

The insurance is valid in the Nordic countries. However, it remains valid for up to one year if the insured moves away from the Nordic countries.

When choosing the insured amount, it is important to keep in mind that if a child becomes disabled, only minimum disability compensation is paid by the Social Insurance Administration from the age of 18, and these are often insufficient for household expenses and independent living.

Students do not enjoy disability protection while studying, and entitlement to disability pensions from pension funds is only established after pension contributions have been paid for two years. Children’s Insurance bridges this gap, pays disability benefits, and ensures that the individual can support themselves in the event of disability.

The premium of the insurance depends on the insured amount you choose.

In most cases, municipal insurance only covers ambulance transport and initial treatment in an emergency department. It does not cover permanent consequences of accidents, disability resulting from accidents or illnesses, and certainly not the youngest children who are still at home.

Children’s Insurance 1 provides comprehensive financial protection for our children in the event of accidents or illnesses that may occur and can have serious consequences for their health. The insurance is primarily a disability insurance, but it also pays compensation to parents, which can be financially important if they need to take time off work for a shorter or longer period due to the child’s illness.

All children should have Children’s insurance. Children can be insured from one month of age up to 18 years of age, and the insurance remains valid until the age of 26.

The insurance is valid in the Nordic countries. However, it remains valid for up to one year if the insured moves away from the Nordic countries.

You choose the level of compensation. You can choose between three basic insured amounts: ISK 5,000,000, ISK 10,000,000, or ISK 15,000,000.

When choosing the insured amount, it is important to keep in mind that if a child becomes disabled, only minimum disability compensation is paid by the Social Insurance Administration from the age of 18, and these are often insufficient for household expenses and independent living.

Students do not enjoy disability protection while studying, and entitlement to disability pensions from pension funds is only established after pension contributions have been paid for two years. Children’s Insurance bridges this gap, pays disability benefits, and ensures that the individual can support themselves in the event of disability.

The premium of the insurance depends on the insured amount you choose.

In most cases, municipal insurance only covers ambulance transport and initial treatment in an emergency department. It does not cover permanent consequences of accidents, disability resulting from accidents or illnesses, and certainly not the youngest children who are still at home.

Children’s Insurance is primarily disability insurance for children, but it also pays compensation to parents, which can be financially important if they need to take time off work for a shorter or longer period due to the child’s illness.

Children’s Insurance 2 is for all children. Children can be insured from one month of age up to 18 years of age, and the insurance remains valid until the age of 26.

The insurance is valid in the Nordic countries. However, it remains valid for up to one year if the insured moves away from the Nordic countries.

The basic insured amount is ISK 8,000,000.

In most cases, municipal insurance only covers ambulance transport and initial treatment in an emergency department. It does not cover the consequences of accidents, disability caused by accidents or illnesses, and certainly not the youngest children who are still at home.

The annual premium for Children’s Insurance 2 is ISK 13,200, or ISK 1,100 per month.

• The annual premium is equivalent to the first two contributions an individual makes to their private pension fund.

  • For example, an individual who pays ISK 31,975 per month into their private pension fund will therefore pay ISK 63,951 as the annual premium for the Disability Insurance.

• The annual premium remains unchanged for the duration of the policy.

• The insured amount is determined by the agreed annual premium, job title, and age. Since the annual premium remains unchanged upon renewal, the insured amount decreases with increasing age in accordance with the premium table.

The annual premium agreed at the outset is deducted directly from the balance of the private pension fund. A monthly verification is made with the private pension fund to pay premiums for this insurance.

If there are insufficient funds in the individual’s private pension fund on the first attempt, another attempt is made in the next verification, and this continues until the premium can be deducted from the fund balance, up to a maximum of 10 months later.

• If a disability assessment is made, the compensation amount is paid directly into the individual’s private pension fund and is paid out in accordance with applicable laws on the payout of pension savings.

• The coverage is covered by Vörður's home insurance. The aim of the new coverage is to provide emergency assistance, in the form of financial compensation, for victims of violence in intimate relationships and further enable them to change their circumstances.    

• The coverage covers incidents that have occurred within the last 12 months. 

• The coverage is now part of all of Vörður's home insurance policies, applies to all genders, and comes at no additional cost.  

• The coverage is not optional but is always included in the insurance. 

• By filling out the form at the top of the page. You can also access the form by clicking here. 

• You can choose to fill out the form with or without electronic ID. 

• The form is also available in English. You can also access the form in English by clicking here. 

• After the request has been submitted to Vördur, specially trained staff will receive it and contact the professional you specify, such as The Women’s Shelter or Bjarkarhlíð. 

• The professional provides confirmation that the individual is working to overcome domestic violence with their help. 

• Once confirmation has been received from the professional, we will pay the compensation. 

• Each individual can receive a one-time payment from the insurance. 

• The coverage covers incidents that have occurred within the last 12 months.

• The compensation will come in up to three payments. 

• You can request to receive the compensation amount in the form of a gift card or to have it paid into a bank account. 

• Please note that if you choose to receive payment into a bank account, it is important to make sure that you are the only person who has access to the account provided. If you are unsure or do not have a bank account, it may be safer for you to choose to pick up a gift card as it is not registered to your name. 

• No, there is no requirement to report or file a complaint with the police. 

• There is also no requirement for visible physical injury. 

• We only need to receive confirmation from a professional that the person is working to overcome domestic violence with their help. 

• The coverage covers incidents that have occurred within the last 12 months.

• The person must have sought the services of a professional a certain number of times in the last 12 months. 

• Professional refers to parties who specialise in serving victims of violence in intimate relationships. For example: 

  • The Women’s Shelter 

  • Landspítali Hospital’s Domestic Violence Team 

  • Centres for victims of violence such as Bjarkarhlíð 

• Individuals who have sought services at the Women's Shelter must have had at least 5 interviews or stayed at the Women's Shelter in the past 12 months. 

• Individuals who have sought Bjarkarhlíð's services must have had a minimum of 5 interviews, 3 of which at Bjarkarhlíð and 2 in ongoing victim services with an appropriate professional, within the last 12 months after Bjarkarhlíð's referral. 

• You can complete the application even if you do not have access to electronic identification. 

• You can also click here to access the form. 

• Anyone who falls under Home Protection at Vörður can apply. 

• Home Protection covers those who have the same legal domicile as the policyholder and who maintain a household together. 

• The insurance is part of Vörður's home insurance and is included in all current home insurance policies. 

• The coverage is not optional but is always included in the insurance. 

• Violence in intimate relationships is violence that an individual experiences at the hands of someone close to them, related or connected to them, such as a spouse, child, parent, stepfather, sibling, or guardian. 

• The insurance covers incidental expenses if the insured person needs to change their circumstances due to violence in an intimate relationship. 

• Examples of expenses include food, transportation, clothing, and hygiene products. 

• The coverage covers incidents that have occurred within the last 12 months.

You need to fill out the form at the top of the page. You can also access the form by clicking here. 

We will then contact the specified professional to obtain confirmation. 

There is no requirement to report or file a complaint with the police. 

Inquiries regarding emergency assistance and the processing of reported cases can be sent to [email protected]. 

• After the request has been submitted to Vördur, staff will receive it and contact the specified professional, such as The Women’s Shelter or Bjarkarhlíð. 

• The professional provides confirmation that the individual is working to get out of an domestic violence situation. 

• Once confirmation has been received from the professional, we will pay the compensation. 

• To ensure the safety of applicants, no one receives a notification when this insurance coverage is applied for and it does not appear on the insurance statement. 

• To apply, you do not go through My Pages, but rather fill out a form that can be found at the top of the page. This way, we ensure that the policyholder does not see that the coverage has been applied for. 

• Notification will not affect price, transaction history, or Arion refunds. 

• The coverage is for all genders. 

• Everyone who has Home Protection has this coverage and can therefore apply for the insurance. Compensation is claimed from the insurance by filling out the form that can be found at the top of the page. 

• In order to apply for the insurance coverage, the person must have sought the services of a professional a certain number of times in the past 12 months. Professional refers to parties who specialise in serving victims of violence in intimate relationships. For example: 

  • The Women’s Shelter 

  • Landspítali Hospital’s Domestic Violence Team 

  • Centres for victims of violence such as Bjarkarhlíð 

• Professional refers to parties who specialise in serving victims of violence in intimate relationships. For example: 

  • The Women’s Shelter 

  • Landspítali Hospital’s Domestic Violence Team 

  • Centres for victims of violence such as Bjarkarhlíð 

• Notification will not affect price, transaction history, or Arion refunds. 

Most people who engage in any type of running as a public sport are insured if they have accident insurance during leisure time that comes with Home Protection 2, 3 and 4. Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance.  

Golf Insurance is a specialised insurance policy for unexpected incidents that can arise on the golf course. It applies to everyone in the household and includes eight insurance policies that provide protection against accidents, mishaps, theft of equipment, and more. Golf Insurance also allows the golf player to celebrate with their fellow players should they hit a hole in one. 

Most people who engage in any type of cycling as a public sport are insured if they have accident insurance during leisure time that comes with Home Protection 2, 3 and 4. Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance and request a special endorsement stating that the insurance covers accidents that occur during a competition or in preparation for a competition. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 is valid anywhere in the world, so cyclists are covered abroad. 

Accident insurance during leisure time, which comes with Home Protection 2, 3 and 4, applies to those who are competing or training for a competition in the case of off-road, cross-country or street races where the public is given the opportunity to participate without any minimum skill or ability requirements, provided that the event is an amateur event. Elite athletes should consider their protection carefully and insure themselves specially. 

The insurance is valid in Iceland and on travels abroad for up to 92 days from the day you depart Iceland. 

All bicycles are insured by Home Protection up to a certain amount. Bicycles and equipment can be worth a lot of money, so it is important to familiarise yourself with the maximum compensation amount in the Home Protection policy you have. The more valuable the bicycle is, the more important it is to insure it specifically with Bicycle Insurance. 

Golf Insurance is a specialised insurance policy for unexpected incidents that can arise on the golf course. It includes eight insurance policies that provide protection against accidents, mishaps, theft of equipment, and more. Golf Insurance also allows the golf player to celebrate with their fellow players should they hit a hole in one. 

Golf Insurance is a specialised insurance policy for all golfers. The insurance provides protection against accidents and incidents that may occur on the golf course. 

The insurance covers the golf set and equipment commonly found in the golf bag against theft or robbery at the golf course. 

The insurance compensates the annual golf club fee if the golf player is unable to play due to illness or accident. 

Damage caused by a golfer to others may be liable or may be purely accidental. Both Home Protection and Golf Insurance cover such damage. Golf Insurance is good insurance in the event of a pure accident where the golf player is not liable. 

The insurance is valid in Iceland and on travels abroad for up to 92 days from the day you depart Iceland. 

Household contents is simply an umbrella term for all of your personal belongings in the home, such as clothing, toiletries, smartphones, and other devices. Also included are musical instruments, artwork, decorative items, books and records, outdoor and sports equipment –​basically anything you would take with you when moving.  

As time goes by, it is natural that you family will need to add various items, such as clothing, furniture, and electronic devices. As the number of belongings increases, we become less aware of their total value – until something happens. Therefore, we recommend that you regularly review your belongings and the valuables in your home. 

Here are some helpful tips 

• Take photos or video of the items you care about and are valuable. We recommend going through each room and leaving the storage room for last. 

• Make a list of all the items in the first section here and estimate the value of each item in ISK, for example by looking at what a comparable item costs today. 

• Take good care of valuable items such as jewellery, paintings, etc. You may want to insure them separately. 

• Collect all invoices and receipts related to expensive items – it helps to have the invoices in case the items are damaged. We also recommend taking photos of the invoices because they often fade over time. 

• Many banks also offer the ability to attach receipts to card transactions in their apps by taking photos of them.  

• Finally, estimate the total value of all the valuables contained in your household contents. You can use that number as the contents value for your home insurance. 

Of course, that's what we're here for! For example, our electronic advisor can make suggestions for the value of household contents based on the size of the family and the size of the home. However, we always recommend that people carefully review the contents themselves and compare them with the proposal. 

Life and critical illness insurance is a combined policy consisting of life insurance and critical illness insurance. It provides financial protection for the insured and their dependants.

The policy combines life insurance and critical illness insurance. Life insurance pays benefits to your dependants, or to those you choose, if you pass away due to illness or an accident. Critical illness insurance pays you a benefit if you are diagnosed with a specified illness. The illnesses covered by the critical illness insurance are listed in the information document and in the terms and conditions.

Life and critical illness insurance is necessary for most people, regardless of family circumstances, as serious illness or accidents can occur without warning.

You decide who receives the compensation from your life insurance. If you do not name a specific recipient, the benefit amount is paid to your spouse, if applicable. If you leave no spouse, the compensation amount is paid to your legal heirs in accordance with the law or a will. You may also designate individuals you wish to be entitled to receive the benefits, such as a cohabiting partner.

The options are as follows:

• Legal heirs: Your married spouse receives 1/3 of the amount and your children receive 2/3 of the amount.

• No designated recipient: Your married spouse receives the full amount. If you are not married, the full amount is paid to your children. If there is no spouse or children, the amount is paid to your parents.

• Named recipient: You choose who receives the benefits. If you have a partner but are not married, this option must be used if your partner is to receive the payout.

The illnesses covered by the policy are divided into five benefit categories:

• Stroke, paralysis, and aphasia

• Cancer

• Neurological and degenerative diseases

• Cardiovascular diseases

• Other serious illnesses

Further details can be found in the information document or the terms and conditions.

Life insurance compensation is paid as a lump sum to the beneficiary and are exempt from income tax. Critical illness insurance compensation is paid as a lump sum, and only one payment is made per benefit category.

Life and critical illness insurance is valid worldwide.

Individuals aged 18–37 may apply for life and critical illness insurance for young people, which remains valid until the age of 39.

• If you already have critical illness insurance with Vörður, the new additional protection is automatically included.

• If not, you simply need to apply for critical illness insurance with us to receive the protection.

• You can receive a payment for each pregnancy if a serious incident occurs during pregnancy or childbirth. The incident can be reported via My Pages on Vörður’s website.

• The protection applies to those who have critical illness insurance and covers incidents that occur after 15 October 2025, when the change took effect.

• If you do not have critical illness insurance with Vörður, you can apply as soon as you know you are expecting a child.

• If you already have critical illness insurance, the add-on automatically takes effect from 15 October 2025. If an event covered by the protection occurs after that date, you may be entitled to compensation or counseling sessions with our advisors.

• If you were declined critical illness insurance, we also offer a combined life and health insurance for young people, specifically designed with the needs of young people in mind.

• The insurance is available to all young individuals without requiring a health declaration. It is valid up to age 39 and has standardized benefit amounts.

• The new additional protection for expectant parents is also included in this insurance.

• The protection provides compensation if serious incidents occur during pregnancy or childbirth, such as preeclampsia, severe bleeding during childbirth, or pregnancy loss after week 14.

• Parents may also receive support counseling from a professional if traumatic events occur during pregnancy or childbirth, for example due to a difficult birth experience or postpartum depression.

• The protection applies during pregnancy, childbirth, and until the child reaches 1 year of age.

• We recommend that once the child reaches 1 month of age, the child is insured separately with our Child Insurance.

• The protection covers incidents specifically listed in the terms of the critical illness insurance. Pregnancy- and childbirth-related incidents include:

  • Preeclampsia

  • Ectopic pregnancy requiring surgical intervention

  • Pregnancy loss after 14+0 weeks and termination of pregnancy following a confirmed fetal abnormality

  • Severe morning sickness (hyperemesis gravidarum)

  • Severe postpartum hemorrhage

  • Severe perineal tear

  • Placenta accreta

  • Placental abruption

  • DIC (disseminated intravascular coagulation)

• Congenital health conditions of the child include:

  • Cerebral palsy (CP)

  • Hydrocephalus

  • Spina bifida

  • Congenital heart defects

  • Cleft palate and cleft lip

  • Severe congenital structural defects of the abdominal wall or diaphragm

  • Chromosomal abnormalities

  • Clubfoot and severe limb abnormalities

  • Severe oxygen deprivation during childbirth

  • Other rare diseases that meet specific conditions

• Pregnancy and Parental Protection provides financial protection for various incidents that may arise during pregnancy, childbirth, or if a child is diagnosed with a congenital health condition.

  • Compensation for pregnancy- and childbirth-related incidents: ISK 1,000,000

  • Compensation for a child’s congenital health condition: ISK 1,000,000

  • In addition, the company provides insured parents with support counseling from a professional, up to a maximum of 5 sessions.

• Compensation for pregnancy- and childbirth-related incidents is paid once per pregnancy. If a child is diagnosed with a congenital health condition, benefits are paid for each affected child.

• The new add-on is free of charge and does not increase the premium of the health insurance.

• The protection applies to everyone insured with critical illness insurance at Vörður—regardless of age or family status.

• Support counseling includes up to five sessions with a service provider contracted by Vörður.

• The service aims to support the insured in processing difficult events related to pregnancy or childbirth.

• These sessions can be crucial when a family faces trauma or challenging circumstances. The sessions are covered by the protection and give parents the opportunity to work through their experiences with professional support.

• Support counseling includes up to five sessions with a service provider contracted by Vörður.

• Support counseling is the part of Pregnancy and Parental Protection that focuses on mental and emotional support offered to parents if traumatic events occur during pregnancy or childbirth. These include:

  • A compensable pregnancy- or childbirth-related incident or a diagnosis of a congenital health condition in the child

  • Pregnancy-related or postpartum depression

  • Pregnancy loss before 14+0 weeks

  • Difficult or traumatic birth experience

  • Emergency cesarean section

  • Intimate partner violence

  • Complications from cerebrospinal fluid leakage following spinal anesthesia (e.g. spinal headache)

  • Very preterm birth, i.e. a child born before week 32 of pregnancy

  • Multiple pregnancy involving more than two children

  • In the event of pregnancy loss, the insured may also request support counseling for their children, taking into account age and circumstances.

• If illness or serious incidents occur during pregnancy, childbirth, or after birth, parents may be entitled to support from various parties such as the state, trade unions, or employers. Your rights depend on whether you are an employee, self-employed, or a student.

• Pregnancy and Parental Protection provides financial and psychological support for specific serious incidents that may occur during pregnancy, childbirth, or after birth—events that can significantly affect parents’ physical or mental well-being.

• Payments from the protection are in addition to any other rights parents may have, for example from an employer, trade union, or public authorities. It does not matter whether you are entitled to full benefits under a collective agreement; the protection is based on the incident itself and provides support regardless of other payments.

• More information about general rights can be found on island.is, including:

  • Sick leave rights during pregnancy  As an employee, you are entitled to sick pay according to your collective agreement, regardless of whether you are pregnant. If you have fully used this right, your trade union may provide additional support.

  • Extended parental leave due to illness  If the parent carrying the child becomes unable to care for the child during parental leave due to serious illness related to pregnancy or childbirth, parental leave or parental benefits may be extended.

  • Bereavement benefits  Parents who lose a child under the age of 18, including stillbirth after 22 weeks or pregnancy loss after 18 weeks, are entitled to bereavement leave or bereavement benefits.

  • Sick leave due to a child’s illness  If a child becomes seriously ill or has a long-term illness, collective agreements ensure the right to paid leave for childcare.

    • Please note that rights under collective agreements apply only to employees, not for example to self-employed individuals or students.

  • If you contribute to a trade union sickness fund, you may be entitled to payments from it due to a child’s illness.

  • The State Social Security Administration may also provide care allowances if a child becomes seriously ill or has a long-term illness.

The windshield sticker prevents a crack in the windshield from spreading, increasing the likelihood that the glass can be repaired. This avoids having to replace the windshield with a new one, along with the associated carbon footprint.

If repairing the windshield is possible, Vörður covers the full cost of the repair. This means no deductible and no out-of-pocket expense for you.

If the damage is smaller than a 100 ISK coin and not in the driver’s line of sight, there is a good chance the windshield can be repaired. Wipe the damaged area clean and then apply the sticker to stop the crack and protect it from dirt and moisture. Then go as soon as possible to the nearest authorized windshield repair shop.

If repair is not possible and the windshield must be replaced, the deductible under windshield insurance is 25% per claim.

Repairing the windshield is much quicker than installing a new one, which means less waiting time for you.

The windshield sticker is free of charge and can be obtained at our offices at Borgartún 19, in Akureyri, and in Reykjanesbær, or by contacting us and we will send one to you.

Most people who engage in any type of running as a public sport are insured if they have accident insurance during leisure time that comes with Home Protection 2, 3 and 4. Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance.  

Accident insurance during leisure time, which comes with Home Protection 2, 3 and 4, applies to those who are competing or training for a competition in the case of off-road, cross-country or street races where the public is given the opportunity to participate without any minimum skill or ability requirements, provided that the event is an amateur event. Elite athletes should consider their protection carefully and insure themselves specially. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 applies when running in the mountains, except above 4,000 metres.  

• Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 is valid anywhere in the world, so runners are covered abroad.

• Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance.  

• It is also important to consider having travel insurance for races abroad, so that medical expenses abroad are also covered if runners need to seek assistance abroad.

• If your animal is seriously ill or badly injured, contact a veterinarian for instructions on the next steps. You can access information about the veterinary hotline on the Icelandic Food and Veterinary Authority’s website.  

• It is best to report illnesses or accidents to animals as soon as possible. You can report loss or damage by clicking here. 

• A copy of the certificate and bills from a veterinarian must be submitted. This is done so that it is possible to take a position on the damage and calculate compensation if compensation is due.  

• The animal's name and number must appear on the invoice, which must be clear and easy to read.  

• Veterinarians can submit electronic certificates through the Vörður’s website. 

• In pet insurance, the deductible is 10% of medical expenses, the minimum amount is stated on the insurance certificate.  

• Deductible in pet damage is valid for up to 60 days for the same illness/accident, after which it renews.  

• In horse insurance, the deductible is 10% of medical expenses, the minimum amount is stated on the insurance certificate. 

• If a life-insured pet is lost or stolen, it must be reported to Vörður. If the pet is not found within 60 days of notification, it is possible to apply to have the life insurance paid out – provided that a reasonable search has been carried out and public notices have been published. 

• Remember to submit information about the disappearance of the pet and how the search was carried out. 

• Maximum compensation according to this item is 75% of the insurance amount. 

• If a life-insured horse is lost or stolen, it must be reported to Vörður. If the horse is not found within 120 days of notification, it is possible to apply to have the life insurance paid out – provided that a reasonable search has been carried out and public notices have been published.  

• Remember to submit information about the disappearance of the horse and how the search was carried out.  

• Maximum compensation according to this item is 75% of the insurance amount. 

• In the event of a violent collision, or if there are accidents involving people, the police should be called.  

• It is best to report the damage as soon as possible. It is important that the following information is provided: 

  • Vehicle license plate number (if known). 

  • Driver's ID number (if available). 

  • Location of the accident. 

  • Livestock’s owner’s ID No. 

  • The number of the animal(s). 

• The following costs are covered by insurance if your animal becomes chronically ill and/or needs to be on a special diet for life: 

  • Medical expenses, for example due to examination and treatment of diseases covered by the insurance. 

  • Medicines given by a specialist during an examination, or for treatment of the disease. 

• The cost of special food, health products and aids are not covered by the insurance, even if a veterinarian advises their use. 

• The insurance only pays for the surcharge for a visit if the vet considers it to be an emergency. 

• The insurance only pays for dental repairs if they are a direct result of an accident. 

• Dental diseases, dental repairs, teeth cleaning or other costs related to the pet's dental health are not covered by the insurance. 

• It is best to report the damage as soon as possible. You can report loss or damage by clicking here. 

• Please don't hesitate to contact us if there is extensive damage to your property or household contents due to water or fire.  

• Please note, in the case of water damage, the inlet must be turned off to prevent further damage. 

• If the incident occurs outside of office hours, you can call Vörður's emergency service at 514-1099. 

• Call 112 immediately if there is suspicion of burglary, vandalism, or any other type of violation of the law. 

• Detail information about device type.  

• Receipt for device.  

• Photographs of damage.  

• Damage assessment from a certified party, if applicable. 

• Damage assessment from a certified party.  

• Photographs of damage.  

• Confirmation of the age of the glasses. 

• A list of the food that was damaged, along with its value. 

• Photographs of the food that was damaged. 

• Information about the age of the refrigerator/freezer (receipt if available). 

• Receipt for device.  

• Photographs of damage. 

• Receipt or warranty card.  

• Theft must also be reported to the police. 

• The deductible, or own risk, is your share of the damage cost or compensation. If the damage compensation or the value of the damaged item is lower, no payment will be made from the insurance. 

• You can see your deductible on the certificate of each individual insurance. 

• Claims representatives review submitted documents, images and reports, and call for additional data if needed.  

• Settlement and claims processing take varying amounts of time, depending on the extent of each claim. However, we do our best to handle cases professionally and in the shortest possible time. 

• It is always a shock to experience a loss or damage. The general rule is to compensate the items that are damaged, taking into account age, use, and wear and tear.  

• You can read about the determination of compensation, the percentage of maximum benefits, depreciation, and other factors that can affect the compensation amount in the Home Protection terms and conditions. 

It is important to react correctly when accidents occur. You can easily report loss or damage on our website, which means the processing of the case can begin quickly and safely. 

• In the event of a serious accident or illness, contact 112 immediately. 

• If there is a suspicion of a violation of the law, for example an assault, then you should also contact 112. 

• Once you have responded on the scene, the next step is to report the loss or damage to the company. 

• We advise you to report the accident as soon as you can.  

• In the event of an accident at work, the employer must report it to Icelandic Health Insurance (Sjúkratryggingar Íslands) and the Administration of Occupational Safety and Health (AOSH).  

• If the accident is serious, it must be reported to the police and the AOSH, and an on-site investigation must occur within 24 hours.  

• You can submit documentation by going through the notification process on our website. We will also request the necessary documentation if needed after the notification has been submitted. Please note that data collection in accident cases can take several weeks. 

• Please note that you need to provide informed consent for data collection. It allows us to call for medical data due to the accident. You sign the consent form when going through the notification process on our website. 

• Keep track of all receipts for medical appointments, medications or other items related to the damage.  

• Please note that we need to see what is behind the costs and therefore the company cannot pay according to the bank statement. 

• You can send sensitive data containing personal information, such as physician's notes, certificates, applications and more, through a special data portal. Please note that for this you need to have an electronic ID. 

• In some cases of damage, you have to pay a deductible. 

• The deductible, or own risk, is your share of the damage cost or compensation.  

• You can see your deductible on My Pages, on the certificate of each individual insurance. 

• Once you have reported the incident and we have received all the necessary documentation, we will assess your right to compensation. 

• The insurance compensates for damage caused by accidents, such as broken teeth or other mishaps, which lead to temporary loss of work capacity or permanent disability. The insurance is valid anywhere in the world and covers accidents during leisure time, during housework, at school or during general sports activity. 

• Leisure time accident insurance is included in Home Protection 2, 3, and 4. Please note that there are differences in compensation amounts, the amount of the deductible and the extent of the protection.  

• You can see if you have leisure time accident insurance on the insurance overview on My Pages. 

• If you have an accident during that results in permanent disability or temporary loss of work capacity, we encourage you to report this at the earliest convenience. We will then contact you regarding the next steps. 

• Remember to keep receipts for expenses incurred until we have assessed your right to compensation.  

• The insurance pays compensation for permanent disability, temporary loss of work capacity, broken teeth and death. 

• If you have an accident during your free time or that results in permanent disability or temporary loss of work capacity, we encourage you to report the damage at the first opportunity. We will then contact you regarding the next steps. 

• We advise you to report an illness, accident or death as soon as you can. Please note, however, that the deadline for this is one year.  

• You need to submit a separate report for accidents and illness, whether it is a car accident or an accident during your free time. You can report loss or damage by clicking here. 

• In the event of an accident at work, the employer must report it to Icelandic Health Insurance (Sjúkratryggingar Íslands) and the Administration of Occupational Safety and Health (AOSH). If the accident is serious, it must be reported to the police and the AOSH, and an on-site investigation must occur within 24 hours. 

• If you are involved in a traffic accident with permanent consequences, we ask that you notify us as soon as you can. 

• We advise you to keep receipts for expenses incurred until we have assessed your right to compensation. 

• Mandatory vehicle liability insurance consists of liability insurance and accident insurance for the driver and owner.  

  • Vehicle liability insurance compensates for damages due to traffic accidents caused by the insured vehicle to drivers and passengers. 

  • Driver and owner accident insurance compensates for bodily injury sustained by the driver or owner of the insured vehicle. 

• Once you have submitted a notification, we will review the case and request the necessary documents. Subsequently, we assess whether the loss or damage is compensable. Please note that data collection in accident cases can take several weeks. 

• It can take varying amounts of time to assess the consequences of an accident. Cases of this kind are all different, so keep in mind that in some cases the process can take some time. 

• If you have hired a lawyer, it is best to have them handle all communications with Vörður. 

• Employers are obliged to compensate for accidents that happen to employees in the course of their work. 

• Compensation amounts are based on collective wage agreements with unions. In certain cases, the insurance is also valid during free time if it is stated in the collective wage agreements. 

• Employers must report all occupational accidents to the AOSH and Icelandic Health Insurance (Sjúkratryggingar Íslands) as soon as possible.  

• In the case of a serious occupational accident, the matter must also be reported to the police.  

• Illness insurance guarantees you compensation if you are diagnosed with a disease that falls under the scope of coverage of the insurance. 

• The compensation is paid out in one lump sum and is not subject to income tax. Only one payment is made from each compensation category. 

• If you have been diagnosed with an illness that is covered by the insurance, we encourage you to report it as soon as possible. Once we have received the notification, we will obtain the necessary medical records so that we can assess your right to compensation. 

• Once we have received all the necessary documentation, we will contact you regarding the next steps. 

• Life insurance is intended to support families in the event of death and thus ensure the financial security of those left behind. 

• If a life insured person dies due to illness or an accident, the next of kin or the beneficiary, will receive compensation. 

• The compensation is paid out in one lump sum and is not subject to income tax. 

• If someone close to you has passed away, we encourage you to report it as soon as you can. Once we have received the notification, we will request the necessary documentation so that we can determine liability and pay compensation. 

• It is best to report the damage as soon as possible. You can report loss or damage by clicking here.  

• Please don't hesitate to contact us if there is extensive damage to your property or household contents due to water or fire.  

• Please note, in the case of water damage, the inlet must be turned off to prevent further damage.  

• If the incident occurs outside of office hours, you can call Vörður's emergency service at 514-1099.  

• Call 112 immediately if there is suspicion of burglary, vandalism or any other type of violation of the law. 

• You need to submit photos of the scene and of the items that were damaged. Remember that detailed and good information in a notification speeds up the processing of the case. 

• If immediate action is required, the claims representative sends inspectors or contractors to the site to take over.  

• Claims representatives review submitted documents, images and reports, and call for additional data if needed.  

• Settlement and claims processing take varying amounts of time, depending on the extent of each claim. Sometimes many parties have to participate in the processing of the same damage. However, we do our best to handle cases professionally and in the shortest possible time. 

• Water damage: 130,900ISK

• Glass damage: 20% of the damage amount, the minimum amount is stated on the insurance certificate.  

• Other claims: 28,400ISK

• Please note that the deductible is updated at the end of each year. 

• The deductible is 10% of the damage amount, the minimum amount is stated on the insurance certificate. 

• Please note that the deductible is updated at the end of each year. 

• In case of an emergency and in case of serious illness or accident, contact the SOS International emergency service directly at 0045 3848 8210. 

• Damage can be reported to SOS International by calling or using the electronic process: 

  • Telephone: 0045 3848 8210  

  • Email: [email protected]  

  • Website: www.sos.dk 

  • The link to the electronic process: Create Case (sos.eu) 

• In case of serious illness or accident while travelling abroad, contact the SOS International emergency service directly at 0045 3848 8210. 

• SOS International's services include providing advice and communicating with medical institutions and relatives, as well as assisting with transport home if necessary.  

• SOS International has a 24-hour hotline where specially trained staff can assist you in arranging a doctor, hospitalisation and transport home.  

• Damage can be reported to SOS International by calling or using the electronic process: 

  • Telephone: 0045 3848 8210  

  • Email: [email protected]  

  • Website: www.sos.dk 

  • The link to the electronic process: Create Case (sos.eu) 

• In case of serious illness or accident while travelling abroad, contact the SOS International emergency service directly at 0045 3848 8210. 

• If you need to go to a medical institution due to an accident or illness, the relevant institution may request confirmation of travel insurance. This confirmation can be accessed on My Pages.  

• Within Europe, you can in certain cases present the European Health Insurance Card. You can get more information about the health insurance card at Sjúkratryggingar Íslands’ website. 

  • Note: The card is only valid for service providers within the public health insurance system of EEA countries.  

• In cases where hospitalisation is not required, you pay the incurred costs and report the damage to Vörður at the first opportunity. It is important to keep track of all receipts, invoices, medical certificates and other medical documents.  

• It is important to keep track of all travel documents such as tickets, receipts and other documents related to the incident.  

• When you notify us of an accident or illness abroad, the following documentation must accompany the damage report:  

  • Flight ticket or travel documents.  

  • Medical records, e.g. certificate from a doctor and/or therapist.  

  • Receipts for expenses incurred.  

  • Police report, if applicable. 

• If you are unable to make it to the planned trip, you may be entitled to a refund of the prepaid expenses for the trip.  

• The cancellation must be reported to the travel agency/airline and your right to a refund must be investigated.  

• Report the incident as soon as possible on My Pages. It is important that the requested documentation is included with the damage report:  

  • Flight ticket or travel documents. 

  • Confirmation of cancellation from travel agency and refund amount.  

  • Confirmation from the airline that you did not show up for the flight if the cancellation was not successful. 

  • Payment receipts for travel and accommodation expenses.  

  • Medical certificate for illness or accident, stating the nature of the illness.  

  • Other relevant documentation as appropriate, e.g. obituary notice. 

• Report the theft/robbery to the police in the country concerned as soon as possible, as well as to the tour operator, if applicable.  

• It is important to get a copy of the police report and other documents related to the case, as these documents must accompany the damage report to us. 

• Report the loss or damage as soon as possible on My Pages. 

• If luggage is damaged or lost during a flight, it is important to fill out a Property Irregularity Report (PIR) at the airport.  

  • A copy of the PIR must later be included with the damage notification to us. 

• Proof of damaged items must be presented, e.g. photographs.  

• A list of the items that were damaged must be prepared and their value noted.  

  • You may need to prove the value of items with receipts.  

• Report the loss or damage as soon as possible on My Pages. It is important to include all necessary documentation, such as: 

  • Flight ticket and travel documents. 

  • PIR-form from the airport. 

  • Police report in case of theft or robbery. 

• If circumstances arise in your home country that cause you to go home immediately, e.g. serious illness, accident or death of a close relative, you may be entitled to a refund for the new return flight 

• The following documentation must be included with the damage report:  

  • Flight ticket and travel documents for the original trip.  

  • Flight ticket and travel documents for the new return trip.  

  • Medical certificate in case of trip interruption due to accident or illness. 

• If checked luggage does not arrive at its destination, whether the luggage is delivered later or lost, you may be entitled to compensation for the purchase of basic necessities.  

  • Note: The luggage delay insurance is not valid on the return journey.  

• Compensation due to luggage delay is standard, i.e. a fixed amount. The amount depends on the type of insurance and the length of the delay. 

• If weather, strike action or engine failure causes at least a 12 hour delay in public transport departure, e.g. an aircraft, you may be entitled to compensation. 

• Report the loss or damage as soon as possible on My Pages.  

• It is important to include all necessary documentation with the damage report: 

  • Flight ticket or travel documents.  

  • Statement by the carrier clearly confirming the cause and length of the delay. 

• If you suffer damage to a rental car that you have rented abroad, you start by reporting the damage to the rental company. 

• Get the phone number and email address of the employee who handles the damage at the foreign car rental company. Contact information must accompany the damage report to Vörður.  

• Report the loss or damage as soon as possible on My Pages.  

• The following documentation must be included with the report:  

  • A copy of the rental agreement with the car rental company.  

  • Copy of vehicle damage report and police report, if applicable.  

  • A copy of the car rental’s damage report.  

  • The car rental's repair estimate.  

  • Confirmation of payments due to the damage.  

  • Flight ticket and/or travel documents. 

• Your right to compensation is assessed when the damage has been reported to us and sufficient documentation has been received.  

• However, please note that you do not lose your right to compensation if you have to incur costs in order to minimise further damage.  

• Information about deductibles can be found on My Pages, for example by applying for travel confirmation. 

• If people are injured.  

• If the vehicle is so damaged it cannot be driven, or it creates a danger to others.  

• If there is a suspicion that traffic laws have been broken, such as speeding or drunk driving, or if other provisions of the traffic laws are not enforced. 

• Check if people have been injured, if so, call 112 immediately. 

• Turn on your warning lights and pay attention to safety at the scene of the accident. 

• Before moving vehicles, it is good to take photos of the accident scene. 

• Árekstur.is - Aðstoð og Öryggi ehf. - 578-9090 provide assistance with damage reporting, taking photos at the scene, and sending reports to insurance companies. 

• Report the loss or damage as soon as possible on My Pages. 

• Clear, detailed information in a notification speeds up the processing of the case. 

• If people are injured, you must always report it to us. 

• Árekstur.is - Aðstoð og Öryggi ehf. - 578-9090 provide assistance with damage reporting, taking photos at the scene, and sending reports to insurance companies. 

• If you have Grunnur, you are entitled to a class A rental car for up to five days while repairs are being carried out. If you prefer to be paid for loss of use (ISK 5,000 per day), send an email to the email address [email protected] after repair. Then the number of days the car was in the workshop is known and the amount is calculated based on that. 

• Customers of Premía in Arion Bank are entitled to a rental car in the same size category as their own vehicle, for up to five days while repairs are being carried out.

• Loss of use and use of a rental car is based on normal repair time. If the repairs take longer, contact us and we will look into the matter with you. 

• Please note that we do not pay for a rental car, or loss of use, for the time repairs are delayed, for example due to an unusually long delivery time for spare parts. 

• If you want to receive agreed compensation, you have the damage assessed at a certified workshop and state that you want compensation instead of repair. This is done so that more parts than are necessary are not ordered. Then you send an email to [email protected], request the agreed compensation and include the invoice number with the request. 

• If the vehicle is owned by a credit institution, or has a mortgage, the mortgage must give permission so that the claim is paid out. The credit institution receives the compensation, unless otherwise agreed. 

• In the case of damage covered by comprehensive insurance, no compensation is paid. 

• If the vehicle had to be towed, we will contact you regarding the next steps. If you do not hear from us, be sure to send a message through the online chat, or callus on 514-1000 and we will assist you. 

• Damage assessment must be done at a certified workshop. If it is possible to repair the vehicle, we give the workshop approval, and you get an appointment for repairs. 

• If repair is not worthwhile, we will contact you regarding the purchase of the vehicle. 

• Your deductible is listed on the vehicle insurance policy, which you can find on My Pages.  

• There is no deductible in liability damages for customers in Grunnur. 

• If the damage is smaller in size than an ISK 100 coin and not in the driver's line of sight, there is a good chance that the windshield can be repaired.  

• Wipe over the damage and place a windshield sticker over the break. Then go as soon as possible to the nearest certified car window repair shop. 

• If it is possible to repair the windshield, Vörður pays the full cost of the repair. Which means no deductible and nothing out of your pocket. 

• Report windshield damage on My Pages.  

• After that, you will receive a claim number that you will give the repairer.  

• The next step is to choose a workshop, a list of repairers can be found here. 

• The deductible for car windshield damage is 25% of the total damage.  

• There is no deductible in windshield repairs. 

• If you want to report damage to a company car, log in to the company's My Pages with your ID number and password.  

• If you don't have a password, click on “Don't have a password?” The password will then be available in the company's online banking, under electronic documents. 

Summer cottage insurance is comprehensive insurance for all owners of summer cottages. 

Cottage insurance is composed of two insurances: homeowner insurance and household contents insurance. A detailed list of what is covered and what is not covered can be found in the insurance's information document. 

Household contents are personal belongings that generally come with summer cottages and are not considered part of the property or its general fixtures. Think of household contents as everything that you would take with you between summer cottages. 

When you sell a property, the principle is that your summer cottage insurance lapses at the same time as your fire insurance. Homeowner insurance never automatically transfers between properties when moving. The household contents insurance must be cancelled separately. 

A hot tub is not covered by the homeowner insurance and must be insured separately. The patio and other similar valuables outside the exterior walls of the property are not considered property, unless those values are specified in the property's fire insurance valuation. 

That varies. The premium for summer cottage insurance depends on the insurance amount of the household contents on the one hand, and on the fire insurance appraisal of the summer cottage on the other. A deductible applies to household contents and homeowner damages, and the amount is stated on the insurance certificate. 

All bicycles are insured by Home Protection up to a certain amount. Bicycles and equipment can be worth a lot of money, so it is important to familiarise yourself with the maximum compensation amount in the Home Protection policy you have. The more valuable the bicycle is, the more important it is to insure it specifically with Bicycle Insurance. 

Accident insurance during leisure time, which comes with Home Protection, applies to those who are competing or training for a competition in the case of street races where the public is given the opportunity to participate without any minimum skill or ability requirements. Elite athletes should consider their protection carefully and insure themselves specially. 

Most people who engage in any type of cycling as a public sport are insured if they have accident insurance during leisure time that comes with Home Protection 2, 3 and 4. Elite athletes should consider their protection carefully and insure themselves specially with General Accident Insurance and request a special endorsement stating that the insurance covers accidents that occur during a competition or in preparation for a competition. 

Accident insurance during leisure time that comes with Home Protection 2, 3 and 4 is valid anywhere in the world, so cyclists are covered abroad. 

The personal liability insurance that comes with Home Protection 2, 3 and 4 applies to damage you cause to others in a tortious manner, with certain limitations. Bicycle insurance also includes liability insurance, which covers damage you cause to others. 

• Verna will cease offering insurance at the end of January 2026. Therefore, your vehicle insurance will automatically transfer to Vörður on the 1st of February.

• You don't need to do anything– your coverage remains unchanged and on comparable or better terms.

• From February 1, vehicle insurance services will no longer be available in the Verna app. All your insurance details, terms, payments, and invoices will be accessible on My Pages.

• Verna will cease offering insurance at the end of January 2026. Therefore, your vehicle insurance will automatically transfer to Vörður on the 1st of February.

• You don't need to do anything– your coverage remains unchanged and on comparable or better terms.

• From February 1, vehicle insurance services will no longer be available in the Verna app. All your insurance details, terms, payments, and invoices will be accessible on My Pages.

• From February 1, invoices for your vehicle insurance will be issued by Vörður instead of Verna.

• The default payment method is monthly via online banking. On My Pages you can select other payment methods.

• If you already have other insurance with Vörður, your vehicle insurance will use the same payment method as your current insurance with Vörður. On My Pages, you can select other payment methods.

• No, you don’t need to do anything. Your insurance will automatically transfer to Vörður on the 1st of February, 2026.

• Your coverage remains unchanged and on comparable or better terms.

• Vörður has been Verna’s insurer since the 1st of October, including handling their vehicle insurance claims. At the end of January 2026, Verna will cease offering insurance. Therefore, your vehicle insurance will automatically transfer to Vörður on the 1st of February.

• Until the 1st of February, 2026, you can continue to use Verna’s services as before.

You can easily report a claim here on our website. You can also contact Vörður’s claims department by phone at 514-1000 on weekdays from 09:00–16:00. In emergencies outside office hours, call our emergency line at 514-1099.

• Report your claim as soon as possible on My Pages.

• A detailed description and complete information in your report will help speed up processing.

• If an accident involves injuries, always notify us immediately.

• Árekstur.is – Aðstoð og Öryggi ehf. – 578-9090 provides assistance with claim reports, on-site photography, and sending reports to the insurance companies.

• No, your driving score in the Verna app will be void, as Vörður does not use tachographs to determine insurance terms. Therefore, your driving score no longer affects the price of your vehicle insurance.

• Vörður premiums are based on several factors. For example, having multiple policies with Vörður may qualify you for lower premiums.

• If you take no action, your insurance will automatically transfer to Vörður on the 1st of February, 2026, and your vehicle will be insured with Vörður going forward.

• After the transfer, you will have comparable or better terms than before.

• On My Pages you will find all information about your insurance, terms, and bills in one place.

• If you choose to move your insurance to another company instead of Vörður, you need to contact that insurance company directly.

• The new insurance company will then notify us that you have transferred your policies.

• No, the terms will remain the same. If there is any difference between Vörður’s and Verna’s terms, the better coverage will apply.

• You can find Verna’s terms here.

• You can find Vörður’s terms here.

• No, your insurance will transfer to Vörður on the 1st of February, 2026. Until then, you remain insured with Verna.

• If the claim occurred before the 1st of October, 2025, Verna’s former insurer, TM, will provide all further information and complete the case.

• If the claim occurred on or after the 1st of October, 2025, Vörður will handle all communication and processing of the case.

• Verna hættir að bjóða upp á tryggingar í lok janúar 2026. Því munu ökutækjatryggingarnar viðskiptavina Verna færast sjálfkrafa til Varðar 1. febrúar.

• Þú þarft ekkert að gera – tryggingaverndin helst óbreytt og á sambærilegum eða betri kjörum.

• Frá og með 1. febrúar verður þjónusta vegna ökutækjatrygginga ekki lengur aðgengileg viðskiptavinum í Verna appinu. Allar upplýsingar um þínar tryggingar, kjör, greiðslur og reikninga má þá finna á Mínum síðum.

• Verna hættir að bjóða upp á tryggingar í lok janúar 2026 og því munu tryggingarnar þínar færast sjálfkrafa til Varðar 1. febrúar.

• Þú þarft ekkert að gera – verndin helst óbreytt á sambærilegum eða betri kjörum.

• Frá og með 1. febrúar verður þjónusta vegna ökutækjatrygginga ekki lengur aðgengileg viðskiptavinum í Verna appinu.

• Á Mínum síðum finnur þú nú allar upplýsingar um þínar tryggingar, kjör og reikninga á einum stað.

• Eftir 1. febrúar munu reikningar fyrir ökutækjatryggingar þínar berast frá Verði í stað Verna.

• Sjálfvalin greiðsluleið er mánaðarleg greiðsla í netbanka. Á Mínum síðum getur þú valið um aðrar greiðsluleiðir.

• Ef þú ert nú þegar í viðskiptum við Vörð, þá munu ökutækjatryggingar þínar fylgja sömu greiðsluleið og núverandi tryggingar hjá Verði. Á Mínum síðum getur þú valið um aðrar greiðsluleiðir.

• Nei, þú þarft ekki að gera neitt. Tryggingarnar þínar flytjast sjálfkrafa yfir til Varðar 1. febrúar 2026.

• Tryggingavernd þín helst einnig óbreytt og á sambærilegum eða betri kjörum.

• Vörður hefur verið vátryggjandi, auk þess að sjá um tjónaþjónustu fyrir Verna frá 1.október 2025. Í lok janúar 2026 mun Verna hætta að bjóða upp á tryggingar. Því munu ökutækjatryggingarnar viðskiptavina Verna færast sjálfkrafa til Varðar 1. febrúar næstkomandi.

• Fram til 1. febrúar 2026 getur þú áfram nýtt þér þjónustu Verna með sama hætti og áður.

Þú getur tilkynnt tjón með einföldum hætti hér á vefnum okkar. Hægt er að hafa samband við tjónasvið Varðar í síma 514-1000 alla virka daga frá kl. 09:00-16:00. Í neyðartilfellum er hægt að hafa samband utan skrifstofutíma við neyðarvakt í síma 514-1099.

• Tilkynntu tjón sem fyrst inni á Mínum síðum.

• Góð lýsing og ítarlegar upplýsingar í tilkynningu flýta fyrir afgreiðslu málsins.

• Ef slys er á fólki skal ávallt tilkynna það til okkar.

• Árekstur.is - Aðstoð og Öryggi ehf. - 578-9090 veita aðstoð við tjónaskýrslu, myndatöku á vettvangi og senda skýrslu á tryggingafélög.

• Nei, þar sem Vörður notar ekki ökurita verður ökuskor í Verna-appinu ekki lengur virkt og hefur því ekki áhrif á verð ökutækjatrygginga þinna.

• Iðgjöld Varðar ráðast af nokkrum þáttum. Ef þú ert með fleiri tryggingar hjá Verði getur það til dæmis haft áhrif til lækkunar á iðgjöldum.

• Ef þú gerir ekkert flytjast tryggingarnar þínar sjálfkrafa yfir til Varðar 1. febrúar næstkomandi og bíllinn þinn verður framvegis tryggður hjá Verði.

• Eftir yfirfærsluna verður þú með sambærileg eða betri kjör en áður.

• Á Mínum síðum finnur þú allar upplýsingar um þínar tryggingar og kjör á einum stað.

• Ef þú kýst að flytja tryggingarnar þínar til annars tryggingafélags en Varðar, þá þarftu að hafa samband við það félag.

• Það tryggingafélag mun síðan sjá um að láta okkur vita að þú hafir flutt viðskiptin þín annað.

• Nei, skilmálar haldast óbreyttir. Þú þarft því ekki að hafa neinar áhyggjur af samningnum þínum. Ef munur er á skilmálum Varðar og Verna gildir sú tryggingavernd sem er betri.

• Hér getur þú séð skilmála Verna.

• Hér getur þú séð skilmála Varðar.

• Nei, tryggingarnar þínar flytjast yfir til Varðar 1. febrúar 2026. Fram að þeim tíma ertu áfram tryggður hjá Verna.

• Ef tjónið varð fyrir 1. október 2025 þá sér fyrrum vátryggjandi Verna, TM, um að veita allar frekari upplýsingar og lýkur því máli að fullu.

• Ef tjónið varð 1. óktóber 2025 eða síðar þá sér Vörður um alla upplýsingagjöf og úrvinnslu málsins.

• Athugaðu hvort að slys hafi orðið á fólki, ef svo er skaltu hringja strax 112.

• Kveiktu á viðvörunarljósum og hugaðu að öryggi á slysstað.

• Áður en ökutæki eru færð er gott að taka myndir af aðstæðum.

• Árekstur.is og Aðstoð og Öryggi ehf. s. 5789090, veita aðstoð við tjónaskýrslu, myndatöku á vettvangi og senda skýrslu á tryggingafélög.

• Ef slys verða á fólki.

• Ef ökutæki er það skemmt að ekki er hægt að aka því, eða það skapar hættu fyrir aðra.

• Ef grunur leikur á að umferðalög hafi verið brotin, sbr. hraðakstur, ölvunarakstur eða ef öðrum ákvæðum umferðalaga er ekki framfylgt.

Kaskótjón

• Þau sem eru með kaskótryggingu eiga rétt á bílaleigubíl í minnsta bílaflokki í allt að sjö daga án endurgjalds. Ef þú þarft bílaleigubíl lengur en það tryggir viðskiptasamband þitt við Verna þér afslátt hjá Bílaleigu Akureyrar (Höldur).

• Þú getur óskað eftir bílaleigubíl hjá verkstæðinu sem gerir við bílinn. Það er líka hægt að hafa samband við Bílaleigu Akureyrar (Höldur) og þeir geta útvegað þér bíl. Í þeim tilfellum verður þú að sækja hann hjá bílaleigunni og skila til baka á sama stað.

Ábyrgðartjón

• Ef þú átt bótaskylt ábyrgðartjón hjá Verna átt þú rétt bílaleigubíl í minnsta bílaflokki í allt að 14 daga eða það sem telst eðlilegur vinnslutími mála.

• Þú getur óskað eftir bílaleigubíl hjá verkstæðinu sem gerir við bílinn. Það er líka hægt að hafa samband við Bílaleigu Akureyrar (Höldur) og þeir geta útvegað þér bíl. Í þeim tilfellum verður þú að sækja hann hjá bílaleigunni og skila til baka á sama stað.

• Ef þú vilt fá greiddar samkomulagsbætur læturðu meta tjónið á viðurkenndu verkstæði og tekur fram að þú óskir eftir bótum í stað viðgerðar. Þetta er gert svo varahlutir séu ekki pantaðir.

• Því næst sendirðu tölvupóst á [email protected], óskar eftir samkomulagsbótum og lætur reikningsnúmer fylgja með.

• Ef um kaskótjón er að ræða eru ekki greiddar samkomulagsbætur.

• Ef það þurfti að draga ökutækið af tjónsstað munum við hafa samband við þig varðandi næstu skref. Ef þú heyrir ekki í okk­ur skaltu endi­lega senda skilaboð í gegnum net­spjallið, eða hringja í síma 514-1177 og við aðstoð­um þig.

• Tjóna­mat þarf að fara fram á við­ur­kenndu verk­stæði. Ef það er mögulegt að gera við ökutækið veitum við verkstæð­inu samþykki og þú færð tíma í við­gerð.

• Ef viðgerð borgar sig ekki mun­um við hafa sam­band við þig varð­andi kaup á öku­tæk­inu.

• Eigin áhætta í ábyrgðatjónum sem fara yfir 180 þúsund er 29.000 kr.

• Í kaskótjónum er eigin áhætta 139 þúsund.

• Í rúðutjónum þá er eigin áhætta 20%, en ef hægt er að gera við rúðuna þá er engin eigin áhætta.

• Málið er sent fyrst fyrir tjónanefnd, sem er nefnd á vegum SFF. þar sem fullrúar tryggingafélag sitja. Nefndin tekur einungis á málum sem tengjast ákvörðun á bótaskyldu úr lögboðnu tryggingunum, ekki kaskó.

• Verna sér um að vísa málinu til Tjónanefndar, óskir þú eftir því, og tilkynnir þér niðurstöðu nefndarinnar þegar hún liggur fyrir. Málsmeðferðin tekur að jafnaði eina viku og er endurgjaldslaus.

• Þú getur einnig skotið niðurstöðu Tjónanefndar til Úrskurðanefndar. Úrskurðanefnd tekur á málum sem snúa að ágreining um bótaskyldu, þar með talið sök og sakarskiptingu milli neytenda og vátryggingafélags. Nefndin fjallar vanalega ekki um bótafjárhæð nema að bæði tjónþoli og vátryggingafélagið hafi óskað eftir því.

• Ef þú vilt vísa máli til Úrskurðanefndar fyllir þú út eyðublað og sendir til nefndarinnar. Málskostnaður er á bilinu 10.000 kr. til 25.000 kr. Nánari upplýsingar má finna hér.

• Ef skemmdin er minni en 100 krónu peningur og ekki í sjónlínu ökumanns eru góðar líkur á að hægt sé að gera við rúðuna.

• Þurrkaðu yfir skemmdina og settu bílrúðulímmiða yfir brotið. Farðu svo eins fljótt og mögulegt er á næsta viðurkennda bílrúðuverkstæði.

• Ef það er hægt að gera við rúðuna greiðir Vörður allan kostnað af viðgerðinni. Sem þýðir engin eigin áhætta og ekkert úr þínum vasa.

• Eigin áhættan í rúðuskiptum er 20% af heildartjóni.

• Engin eigin áhætta er á rúðuviðgerðum

• Hér er vefslóð sem tekur þig á síðu Varðar sem inniheldur upplýsingar um verkstæði. Meðfylgjandi listi er yfir viðurkennd verkstæði, bílrúðuverkstæði og bílaleigur.

  • Þjónustuaðilar

Hvað hefur áhrif á iðgjaldið?

• Stærð og verðmæti skips.

Hvað hefur áhrif á iðgjaldið?

• Stærð og verðmæti smábáta.

Hvað hefur áhrif á iðgjaldið?

• Aflaverðmæti og verðmæti veiðafæra.

Hvað hefur áhrif á iðgjaldið?

• Verðmæti nóta.

Hvað hefur áhrif á iðgjaldið?

• Verðmæti þeirra hagsmuna sem bundnir eru við skipið

Hvað hefur áhrif á iðgjaldið?

• Fjöldi þeirra sem eru í áhöfn og bótasvið en hægt er að velja á milli siglingalaga og skaðabótalaga

Hvað hefur áhrif á iðgjaldið?

• Fjöldi þeirra sem eru í áhöfn.

Hvað hefur áhrif á iðgjaldið?

• Tegund þeirrar vöru sem verið er að flytja og verðmæti hennar.

Hvað hefur áhrif á iðgjaldið?

• Starfsemi fyrirtækis eða rekstraraðila og til að ná utan um umfang starfseminnar er iðgjald reiknað út frá launum án launatengdra gjalda.

• Ef valin er húseigendaábyrgð þá er litið til stærð húsnæðis og brunabótamats.

• Einnig er horft til fjölda starfsmanna og tækja sem verið er að tryggja.

Hvað hefur áhrif á iðgjaldið?

• Starfsemi fyrirtækis eða rekstraraðila og til að ná utan um umfang starfseminnar er horft til heildarveltu og fjölda starfsmanna.

Hvað hefur áhrif á iðgjöld Heimilisverndna?

• Þú velur þau innbúsverðmæti sem þú vilt tryggja, sú fjárhæð hefur áhrif á iðgjaldið. Óskir þú eftir að vera tryggður á ferðalögum erlendis í Heimilisvernd 2,3 eða 4 eða vera með innbúskaskó, hækkar iðgjaldið.

• Viðskiptavinir í grunni fá afslátt af iðgjaldi. Tjónlausir viðskiptavinir Arion banka fá endurgreiðslu á iðgjöldin

Hvað kostar líftrygging?

• Verð líftryggingar er reiknað samkvæmt iðgjaldaskrá og fer eftir tryggingafjárhæð og aldri þess sem tekur hana. Heilsufar umsækjanda, heilsufar fjölskyldumeðlima og lífstíll eins og reykingar geta allt haft áhrif á verðið. Hér má sjá til viðmiðunar þær reglur sem áhættumat er unnið eftir.

• Verðið er óháð kyni og breytist til hækkunar í samræmi við neysluvísitölu og við hækkandi aldur þess sem tekur trygginguna.

Hvað kostar sjúkdómatrygging?

• Verð sjúkdómatryggingar tekur mið af tryggingarfjárhæð og aldri. Heilsufar umsækjanda, heilsufar fjölskyldumeðlima og lífstíll eins og reykingar geta allt haft áhrif á verðið. Hér má sjá til viðmiðunar þær reglur sem áhættumat er unnið eftir.

• Verðið er óháð kyni og breytist til hækkunar í samræmi við neysluvísitölu og við hækkandi aldur þess sem tekur trygginguna.

Hvað hefur áhrif á iðgjaldið?

• Aldur og tryggingarfjárhæð

Hvað kostar líf- og sjúkdómatrygging fyrir ungt fólk?

• Verð líftryggingar er reiknað samkvæmt iðgjaldaskrá og fer eftir tryggingafjárhæð og aldri þess sem tekur hana.

• Verðið er óháð kyni og breytist til hækkunar í samræmi við neysluvísitölu og við hækkandi aldur þess sem tekur trygginguna.

Hvað hefur áhrif á iðgjaldið?

• Vátryggingarfjárhæðir (grunnfjárhæð örorku)

• Það fer eftir hvort það er Barnatrygging 1 eða Barnatrygging 2. Ef B1 þá eru 3 leiðir þar sem tryggingarfjárhæðir eru misjafnar og iðgjöldin eftir því.

• Iðgjaldið fast eftir leiðum

• Veittur er systkinaafsláttur

Hvað kostar barnatrygging?

• Verðin sjálf eru tekin fram á heimasíðunni

• Meiri upplýsingar má finna hér:

  • Barnatrygging 1

  • Barnatrygging 2

Hvað hefur áhrif á iðgjaldið?

• Aldur tryggingataka

• Kyn

• Reykingar

• Starf – 3 áhættuflokkar

• Tryggingafjárhæð – Mánaðarlegri bótafjárhæð

Hvað kostar starfsörorkutrygging?

• Verð starfsörorkutryggingar er byggt á iðgjaldaskrá sem fer eftir aldri, kyni og starfi en störf eru flokkuð í 3 áhættuflokka. Einnig getur verðið verið hærra ef sá sem er að taka trygginguna reykir en er þá sérstakt reykingariðgjald. Þessi atriði ásamt valinni tryggingarfjárhæð er það sem stýrir því hvað tryggingin kostar. Því hærri sem tryggingarfjárhæðin er því meira kostar hún.

Hvað hefur áhrif á iðgjaldið?

• Ársiðgjaldið nemur allt að fyrstu 2 mánaðar innborganir í séreignasjóðinn, miðað við þær upplýsingar sem eru uppgefnar á beiðni.

• Aldur

• Fjárhæðin ákveðin eftir því (öfugt en er t.d. í líftryggingu)

Hvað kostar örorkutrygging?

• Iðgjald Örorkutryggingarinnar er dregið beint af viðbótarlífeyrissjóði. Við tryggingartöku er iðgjald tryggingar ákveðið útfrá því hvað séu fyrstu 2 mánaðar innborganir í sjóðinn. Útfrá því er reiknuð tryggingarfjárhæðin. Iðgjaldið helst óbreytt en við hverja endurnýjun lækkar tryggingarfjárhæðin í takt við iðgjaldatöflu vegna hækkuðum aldri.

Hvað hefur áhrif á iðgjaldið?

• Aldur tryggingataka

• Tryggingarfjárhæð

• Ekki vísitöluhækkun

Hvað kostar íbúðalíftrygging?

• Verðið á íbúðalíftryggingunni fer eftir valinni tryggingarfjárhæð og aldri þess sem tók trygginguna. Tryggingarfjárhæðin helst sú sama en hækkar verðið árlega vegna hækkuðum aldri.

• Fyrirtæki og rekstraraðilar sem geta fengið á sig skaðabótakröfu vegna starfsemi þeirra.

• Skaðabótaábyrgð utan samninga sem fellur á þann sem tryggður er vegna slysa á mönnum eða skemmda á munum

• Bætir einnig skaðabótaábyrgð tryggðs sem eiganda eða notanda húsnæðis eða fasteignar

• Gildir á Íslandi

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótargjaldi

• Starfsemi

• Fjöldi starfsmanna, viðburða eða hluta

• Laun vegna starfsmanna á ári

• Brunabótamat vegna húseigna

• Sérskilmálar

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Fast gjald fyrir hvern starfsmann, viðburð eða hlut

• Reiknað sem hlutfall af launum samkvæmt iðgjaldaskrá

• Reiknað sem hlutfall af brunabótamati samkvæmt iðgjaldaskrá

• Viðbótariðgjald er tekið fyrir víðtæka ábyrgð sem hlutfall af launum

Ef þú ert prókúruhafi fyrirtækis (lögaðili) þarftu ekki að sækja um nýjan aðgang að Mínum síðum. Þú einfaldlega skráir þig inn með rafrænum skilríkjum. Ef þig vantar aðgang getur prókúruhafi veitt þér hann.

Þú einfaldlega skráir þig inn, smellir á Meira og Aðgangsstýringar, þar getur þú valið um að veita viðkomandi annaðhvort stjórnenda- eða lesaðgang. Athugaðu að aðeins prókúruhafar (lögaðilar) geta veitt öðrum notendum aðgang.

Því miður er ekki hægt að nota núverandi lykilorð til að komast inn á mínar síður. Þú getur þó smellt á Vantar lykilorð á innskráningarsíðunni. Þar slærðu inn kennitöluna þína og við sendum nýtt lykilorð í netbanka – athugaðu að það getur tekið allt að 10 mínútur að berast.

Ef þú ert ekki með rafræn skilríki getur þú skráð þig inn með lykilorði. Þú smellir á Vantar lykilorð á innskráningarsíðunni. Þar slærðu inn kennitöluna þína og við sendum nýtt lykilorð í netbanka – athugaðu að það getur tekið allt að 10 mínútur að berast.

Rafræn skilríki eru einföld og örugg leið sem nota má til auðkenningar og undirritunar.

Best er að byrja á því að fletta upp símanúmerinu þínu á vef Auðkennis. Ef SIM-kortið þitt styður rafræn skilríki mætir þú á næsta afgreiðslustað með skilríki, s.s. ökuskírteini (ekki stafrænt), vegabréf eða íslenskt nafnskírteini og færð rafræn skilríki í símann þinn.

• Fyrirtæki og einstaklingar sem eiga smábát sem ýmist eru notaðir í atvinnuskyni eða til einkanota

• Bætur samkvæmt siglingalögum eða skaðabótalögum

• Örorkubætur vegna slyss

• Tímabunda óvinnufærni (dagpeninga) vegna slyss

• Dánarbætur vegna slyss og veikinda

• Farangur áhafnar

• Innan fiskveiðilandhelgis Íslands

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótariðgjaldi

• Hægt að velja mismunandi bótasvið, þ.e. vegna siglingalaga og skaðabótalaga

• Skaðabótalög og fjöldi þeirra sem eru í áhöfn

• Siglingalög - hægt að velja á milli:

  • Vinnutímatrygging án dagpeninga

  • Vinnutímatrygging með dagpeningum

  • Sólahringstrygging án dagpeninga

  • Sólahringstrygging með dagpeningum

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Fast iðgjald er fyrir hvern starfsmann í áhöfn

• Fyrirtæki og einstaklingar sem þurfa að flytja verðmæti með viðurkenndum flutningsaðila

• Skilmáli A: Víðtæk flutningsvernd sem bætir hvers konar tap eða skemmdir

• Skilmáli B: Takmörkuð flutningsvernd eins og altjón á sjálfstæðum einingum

• Skilmáli C: Takmarkaðasta flutningsverndin sem bætir tjón vegna bruna, ef skip strandar eða sekkur, ökutæki veltur eða fer út af spori

• Skilmáli A-B-C: Sameiginlegt sjótjón, björgunarkostna og skaðabóta-skyldu samkvæmt ákvæðum í flutningssamningi

• Tryggingin gildir hvar sem er í heiminum

• Hvaða vöru verið er að flytja og verðmæti vöur ásamt 10% kostnaði t.d. vegna flutningskostnaðar

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Fyrirtæki og einstaklingar sem eiga skip sem notuð eru í atvinnuskyni

• Bætur samkvæmt skaðabótalögum

• Örorkubætur vegna slyss

• Tímabunda óvinnufærni (dagpeninga) vegna slyss

• Dánarbætur vegna slyss og veikinda

• Farangur áhafnar

• Innan fiskveiðilandhelgis Íslands

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótariðgjaldi

• Fjöldi þeirra sem eru í áhöfn hefur áhrif á iðgjald

• Fast iðgjald er fyrir hvern starfsmann í áhöfn

• Fyrirtæki og einstaklingar sem eiga skip sem notuð eru í atvinnuskyni

• Tjón á afla og veiðafærum

• Þátttöku í samtjóni, samtjónskostnaði og björgun

• Frystar afurðir er einnig hægt að trygging gegn viðbótar iðgjaldi

• Innan fiskveiðilandhelgis Íslands

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótariðgjaldi

• Aflaverðmæti og verðmæti veiðafæra hafa áhrif á iðgjald

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Fyrirtæki og einstaklingar sem eiga smábát sem ýmist eru notaðir í atvinnuskyni eða til einkanota

• Tjón sem verður á smábát, fylgifé hans, vistum og birgðum

• Skaðabótaábyrgð sem verða við mistök við stjórnun smábáts sem leiðir til áreksturs eða skemmda á eigum annarra

• Vél smábáts er einnig hægt að tryggja gegn viðbótar iðgjaldi

• Innan fiskveiðilandhelgis Íslands

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótariðgjaldi

• Stærð og verðmæti smábáta hefur áhrif á iðgjald

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Fyrirtæki og einstaklingar sem eiga skip sem notuð eru í atvinnuskyni

• Tjón sem verður á skipi, fylgifé þess og vél

• Kostnað við björgun samkvæmt ákvæðum siglingalaga

• Skaðabótaábyrgð sem verða við mistök við stjórnun smábáts sem leiðir til áreksturs eða skemmda á eigum annarra

• Innan fiskveiðilandhelgis Íslands

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótariðgjaldi

• Stærð og verðmæti skipa hafa áhrif á iðgjald

• Iðgjaldaskrá er byggð upp í samræmi við undirliggjandi áhættu sem hefur áhrif á iðgjald

• Aðila sem veita sérfræðiþjónustu

• Almennt fjártjón vegna skaðabótaskyldu sem rakið verður til sérfræðistarfa viðkomandi eða starfsmanna hans

• Það er mismunandi hvar hún gildir

• Starfsemi sérfræðings hefur áhrif á iðgjald

• Það fer eftir fjölda sérfræðinga og heildarveltu á starfsemi sérfræðinga

• Fyrirtæki og rekstraraðilar sem geta fengið á sig skaðabótakröfu vegna hættulegra eiginleika þeirrar vöru sem þeir eru að selja

• Skaðabótaábyrgð vegna hættulegra eiginleika vöru sem fellur þann sem tryggður er vegna slysa á mönnum eða skemmda á munum

• Gildir á Íslandi

• Hægt er að óska eftir því að tryggingin gildi utan Íslands gegn viðbótargjaldi

• Heildar vörusala á ári hefur áhrif á iðgjald

• Iðgjaldaskrá er byggð uupp í samræmi við undirliggjandi áhættu miðað við þær vörur sem verið er að selja

• Þetta hefur engin áhrif. Allt helst óbreytt fyrir þig sem viðskiptavin og sömu skilmálar gilda áfram.

• Ef þú lendir í tjóni sér Vörður nú um allt ferlið er snýr að tjónavinnslu fyrir þau tjón sem gerast 01. október 2025 og síðar.

• Vörður annast framvegis bæði samskipti og uppgjör fyrir hönd Verna.

• Þú tilkynnir tjón með sama hætti og áður, í gegnum Verna appið.

• Fyrir þau tjón sem gerast 1. október og síðar getur þú haft samband við Vörð tryggingar, með því að senda tölvupóst á [email protected] eða hringja í síma 514-1000.

• Fyrir þau tjón sem gerast frá og með 1. október. Ef tjónið er bótaskylt samkvæmt skilmálum Verna, sér Vörður um að bæta það.

• Það skiptir ekki máli hvar hinn aðilinn er tryggður – hjá Verði, TM, VÍS, Sjóvá eða Verna. Tjónavinnslan er alltaf sú sama. Ábyrgð við árekstra er metin út frá sameiginlegum reglum sem öll tryggingafélög fara eftir. Þannig er tryggt að öll fái sanngjarna niðurstöðu.