Vátryggingartakinn les synjunina og athugar bótaréttinn og sjálfsábyrgðina.

The forms you would usually look up are:

• vátryggingartaki → from vátryggingartakinn
• lesa → from les
• synjun → from synjunina
• athuga → from athugar
• bótaréttur → from bótaréttinn
• sjálfsábyrgð → from sjálfsábyrgðina
• og stays og

This matters because Icelandic words often appear in inflected forms, not in their dictionary form.

Because Icelandic writes compounds as single words much more consistently than English does.

For example:

• vátryggingartakinn = vátryggingar-
  • taki
    • the definite ending
• bótaréttinn = bóta-
  • réttur
    • the definite ending
• sjálfsábyrgðina = sjálfs-
  • ábyrgð
    • the definite ending

A useful rule: in Icelandic compounds, the main word is usually at the end. So in vátryggingartaki, the core noun is taki; in bótaréttur, it is réttur.

Because Icelandic usually adds the definite article to the end of the noun instead of using a separate word.

In this sentence:

• vátryggingartakinn = the policyholder
• synjunina = the denial
• bótaréttinn = the compensation entitlement / right to benefits
• sjálfsábyrgðina = the deductible

So instead of a separate word like English the, Icelandic often uses endings such as -inn, -in, -ið, or longer case forms like -ina.

• Vátryggingartakinn is nominative singular definite because it is the subject of the sentence.
• synjunina, bótaréttinn, and sjálfsábyrgðina are accusative singular definite because they are direct objects.

That is the normal pattern here:

• lesa takes an accusative object
• athuga also takes an accusative object

So the sentence structure is basically:

[subject in nominative] + [verb] + [objects in accusative]

Because the ending depends on the noun’s gender and declension pattern.

Here:

• synjun is feminine → synjunina
• sjálfsábyrgð is feminine → sjálfsábyrgðina
• bótaréttur is masculine → bótaréttinn

So the different endings do not mean different functions here; all three are direct objects. The difference is mainly grammatical gender and inflection.

Both are present tense, 3rd person singular.

• les = from lesa
• athugar = from athuga

They are singular because the subject, vátryggingartakinn, is singular.

A small extra point: athugar looks regular, while les is a shorter present-tense form and does not have an ending like -ar.

Because it is joining two different things:

• first og joins the two verbs: les and athugar
• second og joins the two objects of athugar: bótaréttinn and sjálfsábyrgðina

So the structure is:

reads X and checks Y and Z

This is normal Icelandic, just as it is normal in English.

This is the most neutral word order:

Subject + Verb + Object

So:

Vátryggingartakinn les synjunina ...

But Icelandic word order is somewhat flexible, especially for emphasis. Still, Icelandic usually follows the V2 rule, meaning the finite verb tends to stay in the second position of the clause.

For example, if you moved an object to the front for emphasis, the verb would still normally come second.

So the sentence as given is the most straightforward, neutral version.

That is very common in Icelandic compounds. The first part often appears in a linking form, frequently based on a genitive form.

For example:

• vátryggingar- comes from vátrygging
• bóta- comes from bót

You do not always need to analyze every compound this way when reading, but it helps explain why the first element is not always identical to the plain dictionary form.

So if a compound looks unfamiliar, it is often worth checking whether the first part is a genitive or linking form.

A very good strategy is to split them into meaningful pieces.

For example:

• vátryggingartakinn → vátryggingar + taki + nn
• bótaréttinn → bóta + rétt + inn
• sjálfsábyrgðina → sjálfs + ábyrgð + ina

Two practical tips:

• Learn to spot the last part first, because that is often the core noun.
• Then identify whether the word has a definite ending attached.

That makes long Icelandic words much less intimidating.