I was originally going to be visiting Iceland in October but my trip has been delayed to January/February timeframe, which would be mid Winter.

Iceland car insurance has a dizzying array of options. CDW, Super CDW (?!), gravel, sand and ash, then there's marketing sounding ones like premium, platinum, etc ...

I plan to drive around the golden circle, and perhaps a bit of the southern coast. If possible, I plan to stick to main roads. What kind of insurance is reasonable for this path in the Winter in Iceland?


I think your insurance risk appetite is very personal and opinion-based personal finance matter.

What is relevant to the question is, I think:

  • Are you experienced driving in winter conditions in the dark?
  • Is the vehicle very expensive?

You are unlikely to be hit by another driver, but damage to the car from ice or gravel is more likely.

  • And driving off the road, or even a bridge, is not unheard of. – Willeke Dec 31 '18 at 13:14
  • Yeah, that's more or less what I meant by "ice". This kind of problem is 99% avoidable with rest, skill and experience. – Douglas Held Dec 31 '18 at 17:59

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