"…So because Iceland is very windy and there is a lot of gravel on the roads. So it's a possibility that some gravel flies off the road or maybe from the tires of the vehicle that is going in front of you and can hit your car. So that is one insurance. And the windshield insurance is different. So there's, like, flying gravel or something. It can hit your windshield and there can be a crack in your windshield.…"