What is SAAP insurance in Iceland?

SAAP (Sand and Ash Protection) is an optional insurance that covers damage caused by volcanic ash and sandstorms — especially to your rental car's paint, windows, and lights. These elements are common in Iceland and can cause serious damage, particularly in the south of the country.

Is sand and ash damage covered by standard car rental insurance in Iceland?

No, standard rental insurances (like CDW or SCDW) do not cover damage caused by sand or volcanic ash. Without SAAP, the renter is fully responsible for all repair costs, which can easily exceed ISK 1,000,000 depending on the severity of the damage.

How much does SAAP reduce my liability?

With SAAP, your maximum deductible is ISK 90,000, even in the event of major sand or ash damage. Without SAAP, there is no deductible limit — meaning you could be charged the full cost of repairs.

Do I really need SAAP for my Iceland trip?

If you're planning to drive along the South Coast, or visiting in spring or autumn (when sandstorms are more likely), we highly recommend SAAP. But unpredictable weather means sand and ash can occur year-round in various parts of Iceland.

What areas in Iceland are most affected by sand and ash?

The South Coast of Iceland, especially near volcanoes and black sand deserts, is most affected. Regions around Vík, Skaftafell, and Mýrdalssandur are known for strong winds that lift ash and sand, which can damage vehicles in minutes.

Can I add SAAP insurance after picking up my rental car?

SAAP must be added at the time of booking or before your rental begins. Once the vehicle is picked up and the rental agreement is signed, it cannot be added retroactively. We recommend reviewing your route and weather forecasts ahead of time and selecting SAAP during the booking process if you're driving through areas prone to sand and ash exposure.

Sand & Ash Protection, hire car insurance in Iceland

Blue Car Rental's SAAP insurance

Sand and Ash Protection (SAAP) is an optional insurance offered by Blue Car Rental that provides coverage for damages caused by volcanic ash and sandstorms — natural elements that are common and potentially harmful in Iceland, especially along the South Coast.

What Does SAAP Cover?

SAAP specifically covers damage caused by sand or volcanic ash to:

✔ The vehicle’s paint and bodywork
✔ Windows and windshield
✔ Headlights and taillights

These types of damages are not covered by standard rental insurance (CDW, SCDW, or TP). Without SAAP, the renter is fully liable for repair costs — which can range from hundreds of thousands to several million ISK, depending on the severity of the damage.

Without SAAP:
❌ No coverage for sand/ash damage
❌ Full liability: costs may exceed ISK 1,000,000

With SAAP:
✅ Covered for sand/ash damage to exterior and glass
✅ Fixed deductible: ISK 90,000

Why Is SAAP Important?

In Iceland, strong winds can lift sand and ash from dry ground and blast it against your rental car. Causing serious abrasion damage in a matter of minutes. Here is where, when and why we recommend having the SAAP insuranc:

The South Coast
During spring and autumn, but can occur year-round
It is highly recommended if you plan to travel in windy regions or during shoulder seasons.
Coverage is only valid when driving under safe weather conditions. Always check local weather and wind alerts before travel.