Liability Insurance – Claimant

It is important that Sjóvá has approved the repair assessment of the vehicle before it is taken to the workshop to ensure that Sjóvá covers the repair costs.

Vehicle Repair

• Go to a workshop and have the damage assessed.
• The workshop sends a repair assessment to Sjóvá for approval.
• Once approval is granted, the workshop will schedule a repair appointment for you. All scheduling is handled through the workshop.

Compensation for Vehicle Damage

• Go to a workshop and have the damage assessed.
• Inform the workshop that you would like to receive a cash settlement for the damage. The workshop will mark this specifically and will not order parts unnecessarily.
• We will contact you once we have received the damage assessment.

When the vehicle is undrivable after damage

If the vehicle was transported undrivable from the scene, a Sjóvá damage assessor will inspect the vehicle at the earliest opportunity and contact you regarding the next steps. If you have not heard from us within two working days, please contact the vehicle claims department at 440-2060.

While the vehicle is being repaired

Individuals (owners/managers) who suffer damage can choose between two options, rental car or loss of use while the vehicle is under repair. However, companies generally do not have this right for their vehicles. In all cases, a standard repair time of approximately 5–10 days applies. Note that sometimes it may be necessary to wait for spare parts before starting or continuing the repair, and the repair time is not expected to exceed 30 days. Please contact our damage assessors at 440-2060 or at okutjon@sjova.is if the repair process is expected to take longer.

The following options are available:

ISK 5,500 in loss of use compensation

We pay you ISK 5,500 for each day the vehicle is in repair. If you choose this option, please contact us at or by phone at 440-2060 once you have picked up the vehicle after repair. After the repair is completed, we can calculate the amount and deposit it into your bank account accordingly.

Rental car

Here you can find a list of car rental companies in partnership with Sjóvá. You can contact a rental company directly from this list and reserve a car. In some cases, the workshop performing the repair may arrange a car for you. Sjóvá covers the cost of a rental car in category A. Please note that when collecting a rental car, a credit card must be presented.

The com­pa­ny's po­si­tion stat­ed in the e-mail you re­ceived is based on the avail­able data and is sub­ject to the pro­vi­so that new data, the opin­ion of the Claims Com­mit­tee of the in­sur­ance com­pa­nies, the rul­ing of The In­sur­ance Com­plaints Com­mit­tee or a court's de­ci­sion does not lead to a dif­fer­ent con­clu­sion. The com­pa­ny's de­ci­sion can be ap­pealed to the Claims Com­mit­tee of the in­sur­ance com­pa­nies and The In­sur­ance Com­plaints Com­mit­tee. See more in­for­ma­tion here.