| Home contents insurance covers damage: | Home contents insurance does not cover damage: |
| Caused by fire, if what is damaged is part of the property itself, for example, doors, fixtures and floors. |
Caused by water leaking from pipes in the building. | Caused by theft from an apartment left unlocked and empty. |
Caused by burglary, robbery or theft. | Caused by water being pushed out of sewer pipes, unless it is caused by broken or clogged pipes inside the building. |
If food in refrigerators or freezers is damaged due to malfunction or power failure. | |
| Liability insurance covers: | Liability insurance does not cover: |
Damage you may be legally required to pay. | Liability arising from your work. |
Costs you have to pay for damage caused by your children younger than 10, even though they are not legally liable due to their age. | Damages to items you have rented or borrowed. |
| Comprehensive contents insurance covers: | Comprehensive contents insurance does not cover: |
Damage caused by sudden, external events. | Production and appearance defects. |
| Leisure equipment insurance covers damage: | Leisure equipment insurance does not cover: |
Caused by burglary and vandalism. | Theft from unlocked storage. |
Caused by sudden, external events. | Production or appearance failures. |
| Leisure time accident insurance covers costs of: | Leisure time accident insurance does not cover: |
Accidents in your leisure time. | Accidents that happen while mountain climbing or diving. |
Accidents that happen while competing in a sport where the public can participate without any requirement of competense or skill. | Accidents that happen at work or while travelling directly between the workplace and home. |
| Hospitalisation insurance covers: | Hospitalisation insurance does not cover: |
Hospitalisation costs for anyone covered by the insurance if they are hospitalised for more than five consecutive days due to an illness or accident. | Hospitalisation due to congenital disease or mental illness. |
| Credit card insurances covers damages: | Credit card insurance does not cover damages: |
If a credit card is lost and fraudulently used by an unauthorised party. | Caused by not following the credit card company‘s rules, such as storing the PIN number with the credit card. |
| Legal expenses insurance covers legal expenses: | Legal expenses insurance does not cover expenses: |
For civil cases being litigated in Icelandic courts. | |
| For divorce, separation, and disputes over custody of children and/or rights of access. |
| For matters involving the insured as the owner and operator of a motor vehicle. |
| Pet death benefits are paid if: | Pet death benefits are not paid for: |
A pet dies from a disease or injuries. | Deaths of animals that can not be legally kept in Iceland, such as lizards or snakes. |
| Animals that have reached 8 years of age. |
| Crisis counseling insurance covers cost of: | Crisis counseling insurance does not cover cost of: |
Professional help sought by any of the insured for psychological trauma resulting from an event insured in Family Protection 3. | Professional help if the traumatic event is caused by anyone covered by the insurance. |
| Travel insurance (optional insurance) covers: | Travel insurance does not cover: |
Medical expenses incurred abroad due to illness or accident, such as for medical care and hospitalisation. | Medical expenses due to an illness or, accident the insured has been treated for before traveling abroad. |
| Damage to luggage due to insufficient or poor packaging. |
Costs incurred if the insured can not take a planned trip due to an illness or accident. | Absences due to an illness the insured was being treated for when the confirmation fee was paid. |
