Casco (own-damage car insurance) — Estonia

[1] Own damage: 100% of insured sum ↩

Covers sudden and unforeseen external damage to the insured vehicle, including collisions, tipping over, falling objects, water damage, and other accidental damage; the payout can never exceed the insured sum stated in the policy.

Me maksame Kindlustushüvitist, kui Kindlustatud ese on ootamatu ja ettenägematu välise sündmuse tõttu kahjustunud (sh hävinenud).

[2] Total loss: 100% of insured sum ↩

Applies when repair costs exceed 70% of the vehicle's market value immediately before the loss (Hävimine); compensation is then based on market value or new value depending on the insured-sum basis chosen, capped at the insured sum.

Sõiduki varguse, röövimise või hävimise korral: määrame kahju suuruse Sõiduki Turuväärtuse või Uusväärtuse alusel, sõltuvalt kindlustuspoliisis määratud Kindlustussummale.

[3] Partial loss: 100% of insured sum ↩

Repair costs needed to restore the vehicle to its condition immediately before the loss are compensated, either paid directly to the repair shop or reimbursed to the policyholder; VAT is included in the payout only if stated on the policy and the insured cannot reclaim it.

Määrame kindlaks remondikulude suuruse, mis on vajalikud Kindlustatud eseme taastamiseks seisundisse, millises see oli vahetult enne Kindlustusjuhtumi toimumist.

[4] Theft & robbery: Covered ↩

Covers theft or robbery of the insured vehicle, including incidents involving violence or threat of violence; a stolen seasonal tyre/rim set is covered up to €10,000, and compensation is based on market or new value depending on the insured-sum basis.

Vargus või röövimine — Kindlustatud eseme vargus, sealhulgas juhtumid, millega kaasneb vägivald või vägivallaga ähvardamine.

[5] Glass damage: Covered ↩

Covers breakage of the vehicle's windows, sunroof or panoramic roof glass when this is the only damage caused by the event; per the FAQ, the first glass-damage claim within a policy period carries a 0% deductible.

Klaasi purunemine — Sõiduki aknaklaaside, katuseluugi või panoraamkatuse klaasi purunemine, kui see on ainus Kindlustusjuhtumi poolt põhjustatud kahju.

[6] Natural perils: Covered ↩

Covers damage caused by fire, natural disasters (storm, flood, lightning strike and hail, and objects falling as a result of these) and other insured external events.

Loodusõnnetused — tormi, üleujutuse, pikselöögi ja rahe ning neist loodusõnnetustest tingitud kukkuvate objektide otsene mõju.

[7] Vandalism: Covered ↩

Covers deliberate damage or destruction of the insured vehicle caused by a third party (Vandalism), as part of the general damage cover.

Vandalism — füüsilise isiku tegevus, mille eesmärk on Kindlustatud eseme tahtlik kahjustamine või hävitamine.

[8] Roadside assistance: Covered ↩

24/7 roadside assistance for vehicles up to 3.5 tonnes (jump-start, tyre change, fuel delivery up to 10 litres, towing, retrieval of a locked-in key) and a reduced service scope (recovery, transport, driver/passenger accommodation) for vehicles over 3.5 tonnes.

Kui Sul ei ole võimalik või Sul on keelatud kahjujuhtumi tõttu osaleda liikluses Sõidukiga, mille täismass on kuni 3,5 tonni, osutame Sulle järgmisi teenuseid või hüvitame vastava teenuse kulud:

[9] Replacement vehicle: Optional ↩

Optional cover providing a replacement car from the day after the loss is reported: for up to 30 calendar days per policy period if the vehicle becomes undrivable or is being repaired, and until the claim is fully settled if the vehicle is stolen, robbed or totally lost; rental costs are reimbursed if Balcia cannot provide a car.

Asendusauto saad oma kasutusse alates esimesest päevast pärast väidetavast kindlustusjuhtumist teatamise kuupäeva mitte kauemaks kui 30 (kolmekümneks) kalendripäevaks kindlustusperioodi jooksul. Hävimise, varguse või röövimise korral saad asendusautot kasutada kuni kindlustusjuhtumi täieliku lahendamiseni.

[10] Driver accident: Optional ↩

Optional personal accident cover for the driver and passengers, paying benefits for injury, treatment costs, permanent disability and death according to the schedule in Annex 1 of the terms.

Õnnetusjuhtumikindlustus maismaasõiduki juhile ja sõitjatele

[11] Own damage: Covered ↩

Covers sudden and unforeseen damage to the insured vehicle from traffic accidents, natural disasters, fire, vandalism, theft or robbery. The sum insured for passenger and van-type vehicles equals the vehicle's market value in Estonia immediately before the event, unless a fixed sum has been agreed; for trucks, trailers and buses the sum insured is the numerical value stated on the policy.

Kindlustusjuhtum on kindlustuslepingus kokkulepitud ootamatu ja ettenägematu sündmus, mille tagajärjel saab sõiduk kahjustada, hävib või läheb kaotsi (sh liiklusõnnetus, loodusõnnetus, tulekahju, vandalism, vargus või röövimine), v.a käesolevate tingimuste välistused.

[12] Total loss: Covered ↩

The vehicle is deemed destroyed and repair economically unreasonable when repair costs exceed 70% of its usual market value at the time of the incident; BTA may itself treat the vehicle as a write-off once repair costs exceed 50% of that value. The payout is the vehicle's market value at the time of loss, less the deductible and the residual (salvage) value if the policyholder keeps the wreck.

Sõiduk loetakse hävinuks ja/või sõiduki taastamine on majanduslikult ebaotstarbekas, kui selle taastusremondi kulud ületavad 70% sõiduki harilikust turuväärtusest kindlustusjuhtumi toimumise hetkel.

[13] Partial loss: Covered ↩

Covers the reasonable and justified cost of restoring the vehicle when repair is economically and technically feasible; BTA may pay the repair cost directly to the repair shop via a guarantee letter or pay a cash indemnity, less the applicable deductible.

Kui sõiduki taastusremont on majanduslikult ja tehniliselt otstarbekas ning BTA aktsepteerib kindlustusvõtja valitud sõiduki taastamise viisi ja kohta, väljastab BTA kindlustusvõtjale garantiikirja.

[14] Theft & robbery: Covered ↩

Covers the unlawful taking of the vehicle for the purpose of appropriation (theft) or by force (robbery). Cover is voided or reduced if, among other things, the keys were left in the vehicle, doors/anti-theft devices were not engaged, the police were not properly notified, or the vehicle's registration certificate and all keys were not handed over to BTA after recovery (in which case BTA may cut the indemnity by 50%).

Vargus on sõiduki ebaseaduslik äravõtmine selle omastamise eesmärgil. Rööv on sõiduki vägivaldne ebaseaduslik äravõtmine selle omastamise eesmärgil.

[15] Glass damage: Covered ↩

Repair or replacement of the front, rear and side windows (the 'glass') is covered without any deductible. A damaged glass that can be repaired to meet roadworthiness requirements is repaired without deductible, but if the policyholder chooses replacement instead of a feasible repair, or if the glass was already significantly damaged or worn before the event, the deductible waiver does not apply. Sunroofs, panoramic glass roofs, mirrors and vehicle lights are not classified as 'glass', and the standard deductible applies to their damage.

kui klaasi on võimalik tehnilise ülevaatuse nõuete täitmiseks parandada, siis klaasi parandatakse omavastutust rakendamata. Kui kindlustusvõtja soovib parandatavat klaasi vahetada, rakendatakse omavastutust;

[16] Natural perils: Covered ↩

Covers vehicle damage caused by natural hazards such as flooding, whirlwind/storm, hail, hurricane, heatwave, landslide, forest fire or similar events.

Loodusõnnetus on sõiduki kahjustumine loodusliku ohu, nt üleujutuse, keeristormi, rahe, orkaani, kuumalaine, maalihke, metsatulekahju või muu sellise tagajärjel.

[17] Vandalism: Covered ↩

Covers intentional damage to the vehicle caused by a third party who is not connected to the policyholder.

Vandalism on sõiduki tahtlik kahjustamine kindlustusvõtjaga mitteseotud kolmanda isiku poolt.

[18] Roadside assistance: Optional ↩

Optional add-on providing a 24/7 assistance hotline and roadside services (towing, jump-starts, tyre changes, fuel delivery, lock-outs, minor field repairs, replacement-car rental up to 3 days, passenger transport) when an insured event or a sudden breakdown makes the vehicle unusable. It applies only if agreed in the policy; no deductible applies; assistance costs are capped at €600 when the event occurs outside Estonia.

kui kindlustusjuhtum toimub väljaspool Eesti territooriumi, tagab BTA autoabiteenuseid kokku kuni 600 euro ulatuses;

[19] Replacement vehicle: Optional ↩

Optional add-on (lisakaitse) reimbursing rental costs for a replacement vehicle (up to compact-car class) or other transport costs (public transport, taxi) for up to 21 calendar days when the vehicle cannot be used or driven due to damage, is in repair, or has been stolen, robbed or destroyed. The maximum daily indemnity is stated on the policy. No indemnity is paid if the repair takes less than 12 hours or the loss is smaller than the deductible, and the benefit can be claimed at most twice per policy period; no separate deductible applies when this cover is used.

Asendusauto lisakaitse korral hüvitab BTA kindlustusjuhtumi toimumisel asendusauto rendikulud või muud transpordikulud (nt ühistransport, takso jne) kuni 21 kalendripäeva.

[20] Driver accident: Optional ↩

Optional add-on covering death or reduction/loss of work capacity of the driver (and, if the vehicle was in normal use, passengers) resulting directly from bodily injury in a traffic accident. The sum insured per insured person is stated on the policy; BTA pays 50% of it for partial incapacity/moderate disability lasting at least one year, and 100% for total incapacity/severe or profound disability, with the death benefit paid to the heirs if the insured dies within one year of the accident.

Õnnetusjuhtumikindlustuse lisakaitse kindlustusjuhtumiks on kindlustatud isiku töövõime ulatuse vähenemine / puue või surm, mis on otseselt tingitud liiklusõnnetuse tagajärjel saadud kehavigastustest.

[21] Own damage: Covered ↩

The insured object is the land vehicle listed on the policy in its original factory configuration plus post-factory accessories; the sum insured is the vehicle's market value in Estonia immediately before the insured event and is not reduced by prior claim payments.

Kindlustatud esemeks on poliisil märgitud maismaa sõiduk oma esmamüügi komplektsuses ja sellele esmamüügi järgselt paigaldatud lisavarustus poliisil märgitud ulatuses.

[22] Total loss: Covered ↩

If the insured vehicle is destroyed, the indemnity limit stated on the policy caps the payable compensation; the benchmark value is the vehicle's market value in Estonia immediately before the event.

Hüvitispiir on poliisil kokkulepitud summa, mis on väljamakstavate kindlustushüvitiste piiriks.

[23] Partial loss: Covered ↩

A sudden and unforeseen event that damages (without destroying) the insured vehicle is treated as an insured event and compensated up to the agreed indemnity limit, subject to the applicable deductible.

Kindlustusjuhtum on äkiline ja ettenägematu sündmus, mille tagajärjel kindlustatud ese saab kahjustada, hävineb või läheb kaotsi poliisil kokkulepitud juhtumite tagajärjel.

[24] Theft & robbery: Covered ↩

Loss of the insured vehicle (e.g. through theft) is an insured event; if the vehicle's keys are stolen or lost, the policyholder must immediately replace all locks or recode/replace anti-theft electronic devices.

2.9. Vargus on kindlustatud eseme või selle osade kaotsiminek või kahjustumine varguse, ärandamise (kindlustatud eseme omavoliline kasutamine), röövimise või nende katse tagajärjel.

[25] Glass damage: Covered ↩

The glass-damage deductible is stated on the policy, but no deductible is applied when the vehicle's glass is repaired (as opposed to replaced); a sunroof or glass roof always carries the base deductible.

Klaasikahjude omavastutus märgitakse poliisil. Juhul kui sõiduki klaas parandatakse, siis omavastutust ei rakendata, v.a. katuseluugi ja klaaskatuse puhul, millede kahjustumise korral rakendatakse alati põhiomavastutust.

[26] Natural perils: Covered ↩

Casco insurance compensates damage to the insured vehicle caused by a natural disaster - wind, storm, flood, hail or lightning strike - as well as a collision with an animal or bird; the deductible for an animal/bird collision is stated on the policy, while damage caused while avoiding a collision carries the base deductible.

2.6. Loodusõnnetus on kindlustatud eseme kahjustumine või hävimine tuule, tormi, üleujutuse, rahe, pikselöögi tagajärjel.

[27] Vandalism: Covered ↩

Casco insurance protects the policyholder's own vehicle, compensating damage resulting from accidents, vandalism, natural disasters and similar events in accordance with the policy terms.

2.8. Vandalism on kindlustatud eseme tahtlik kahjustamine kolmanda isiku poolt.

[28] Roadside assistance: Covered ↩

Elama's roadside assistance is free of charge for casco customers and available 24/7 in Estonia and elsewhere, covering towing after an accident, breakdown assistance (flat battery, flat tyre, out of fuel, lost keys), transport to the desired destination, and recovery from snow, sand or mud.

Meie autoabi lisakaitse on kaskokindlustuse klientidele tasuta, liikluskindlustuse klientidele aga saadaval lisatasu eest.

[29] Replacement vehicle: Optional ↩

Optional add-on providing a replacement car for up to 60 days per policy period when repair is expected to take more than one working day, and after a total loss until Elama's settlement decision; not provided after theft, hijacking or robbery or for damage below the deductible.

2.12.1. ühe kindlustusperioodi jooksul saab asendusautot kasutada kuni 60 päeva. 2.12.2. asendusauto väljastatakse, üksnes juhul kui sõiduki eeldatav taastamine kestab enam kui üks tööpäev. 2.12.3. kindlustatud eseme täieliku hävimise korral võimaldatakse asendusautot kuni kindlustusandja poolse hüvitamisotsuse tegemiseni;

[30] Driver accident: Optional ↩

Optional add-on covering permanent reduction of working capacity (lasting at least 6 consecutive months) or death of up to seven occupants of the vehicle resulting from an insured event, paid as a percentage of the sum insured (full sum on death); no separate deductible applies.

2.19. Reisijate õnnetusjuhtumi raames hüvitatakse sõidukis viibinud kuni seitsme reisija püsiv töövõime vähenemine või surm, mis on otseselt tingitud kindlustusjuhtumi tagajärjel saadud kehavigastus(t)est järgnevatel tingimustel: 2.19.1. töövõime vähenemine on kestnud vähemalt 6 järjestikust kuud; 2.19.3. hüvitise suurus määratakse töövõimetuse või puude alusel ja makstakse protsendina kindlustussummast (st töövõime vähenemise protsent x kindlustussumma = hüvitis), surmajuhtumi korral makstakse välja kogu kindlustussumma;

[31] Own damage: Covered ↩

The insured sum equals the vehicle's market value (or an agreed sum) immediately before the loss; there is no fixed EUR cap other than this insured value.

Kindlustusväärtus on sõiduki turuväärtus (ehk sõiduki võimalik müügihind) Eestis vahetult enne kindlustusjuhtumi toimumist.

[32] Total loss: Covered ↩

In case of theft, robbery, or when repair is not economically justified, ERGO pays the vehicle's insured value at the time of the loss, less policy deductions, deductible and unpaid premiums for the remainder of the period.

Sõiduki röövimise või varguse korral või juhul, kui sõiduki taastamine ei ole majanduslikult põhjendatud, maksame välja sõiduki kindlustusväärtuse (nagu see oli kindlustusjuhtumi toimumise ajal), millest on maha arvestatud kindlustuslepingus märgitud kindlustushüvitise vähendused, omavastutus ja tasumata kindlustusmakse(d) selle aja eest, mis on jäänud kindlustusperioodi lõpuni.

[33] Partial loss: Covered ↩

When repair is economically reasonable, ERGO reimburses justified restoration costs using parts of a wear grade matching the vehicle's age and condition, less deductible and any reductions.

Kui sõiduki taastamine on majanduslikult otstarbekas, hüvitame põhjendatud taastamiskulud, millest arvestame maha kindlustuslepingus ette nähtud kindlustushüvitise vähendused ja omavastutuse.

[34] Theft & robbery: Covered ↩

Covers damage from theft, robbery or attempted theft/robbery of the vehicle or its parts, provided the required anti-theft device was fitted, functional and activated at the time (activation not required for robbery).

Hüvitame sõiduki või selle osa(de) vargusest, röövimisest või varguse, röövimise katsest tekkinud kahju juhul, kui sõidukil oli juhtumi toimumise ajal meie poolt nõutud, töökorras ja sisselülitatud vargusevastane seade (seadme sisselülitamise nõue ei kehti röövimise korral).

[35] Glass damage: Covered ↩

Damage to the vehicle's glass from a sudden external force is covered under the base policy; glass repair carries no deductible, and a separate, lower deductible for glass replacement can optionally be chosen.

Klaasiparanduse või klaasivahetuse hüvitame juhul, kui sõiduki klaasid olid kahjujuhtumi toimumise ajal kahjustamata. Lepingus on Teil võimalik valida klaasikahjude hüvitamisele põhiomavastutusest erinev omavastutus.

[36] Natural perils: Covered ↩

Covers damage from storm (wind speed at least 18 m/s), flooding, hail and other natural forces where the damage pattern or weather data confirms the cause; no deductible applies if the vehicle is destroyed by a natural disaster.

Hüvitame tormist (tuule kiirus vähemalt 18 m/s), üleujutusest, rahest ja muudest loodusjõududest tingitud kahju, kui kahju iseloom, ilmajaama andmed või kõrval olevate esemete kahjustused viitavad nendele asjaoludele.

[37] Vandalism: Covered ↩

Covers damage to the vehicle or its parts caused by a third party's unlawful act aimed at damaging or destroying the vehicle.

Hüvitame sõidukile või selle osa(de)le tekitatud kahju, mille põhjuseks on kolmanda isiku õigusvastane tegevus, mis on suunatud sõiduki või selle osa(de) rikkumisele või hävitamisele.

[38] Roadside assistance: Covered ↩

Included at no extra charge for standard-use passenger cars, vans (up to 3,500 kg) and motorcycles/mopeds (categories L3, L4, L5, M1, M1G, N1, N1G); covers jump-starts, fuel delivery, tyre-change help, recovery, towing, key assistance and up to two nights' accommodation abroad; must be ordered via the ERGO Autoabi app or the phone number stated on the policy.

Hüvitame autoabi kulud ootamatute juhtumite korral, kui sõidu-, pakiauto või mootorrattaga (sõidukid registrimassiga kuni 3500 kg ja mis kuuluvad kategooriasse L3, L4, L5, M1, M1G, N1, N1G) edasisõit on takistatud.

[39] Replacement vehicle: 60 days ↩

Optional add-on giving up to 60 days of replacement vehicle per annual insurance period for a standard-use passenger or van, provided expected repair time exceeds 12 hours; not issued outside Estonia (documented rental costs abroad are reimbursed instead up to the policy limit).

Kui Teie kasutuses olevat sõidukit ei saa kindlustusjuhtumi tõttu kasutada, pakume Teile asendusautot kuni 60 päevaks aastase kindlustusperioodi jooksul.

[40] Driver accident: Optional ↩

Optional add-on paying a lump sum for permanent disability or death of the driver, optionally extended to all passengers, resulting from an insured vehicle event; sums for death and permanent disability are stated per person on the policy.

Maksame poliisil märgitud sõiduki juhi ja reisija õnnetusjuhtumikindlustuse hüvitise sõidukiga toimunud kindlustusjuhtumi tagajärjel sõidukijuhile ja sõidukis viibinud reisijatele (kui kaitse on valitud ka reisijatele) tekkinud püsiva puude või surma korral.

[41] Own damage: Covered ↩

Casco covers frequent types of damage to the insured vehicle, from glass damage up to theft or destruction, and pays out even if the policyholder caused the accident, up to the sum insured stated on the policy.

[42] Total loss: Covered ↩

Gjensidige compensates direct property damage and other justified costs stated in the insurance contract; the sum insured does not decrease by amounts already paid out, and indemnity is reduced by any applicable deductible and contractual reductions.

Gjensidige hüvitab otsese varakahju ning muud kindlustuslepingus sätestatud ja põhjendatud kulud. Hüvitamisel arvab Gjensidige maha omavastutuse ning võimalikud kindlustuslepingujärgsed hüvitisvähendused.

[43] Partial loss: Covered ↩

Repair costs for damage caused by sudden and unforeseen external mechanical force, traffic accidents, natural disasters, fire or explosion are compensated under the base (Osakasko) peril set, inherited by the full (Täiskasko) package.

äkilise ja ettenägematu sõidukivälise mehhaanilise jõu või liiklusõnnetuse tagajärjel tekkinud kahju (sh loomale ja linnule otsasõit); loodusõnnetusest tekkinud kahju; tulekahjust (sh ka suitsust, tahmast ja kustutustöödest) tekkinud kahju; plahvatusest tekkinud kahju

[44] Theft & robbery: Conditional ↩

Theft, robbery and attempted theft/robbery of the vehicle or its parts are covered only under the full casco (Täiskasko) tier; the base Osakasko tier does not include these perils. Keys and documents in the policyholder's possession must be submitted, and security bolt keys are required for alloy wheel/tyre theft claims.

Täiskasko Gjensidige hüvitab: eelmises punktis kirjeldatud kahju; röövimisest või röövimise katsest tekkinud kahju; sõiduki või selle osade vargusest või varguse katsest tekkinud kahju eeldusel, et sõidukil olid nimetatud sündmuse toimumise ajal aknad/uksed/luugid suletud ja lukustatud ning oli rakendunud Gjensidige poolt aktsepteeritud, töökorras vargusevastane seade; sõiduki võtme kaotamise või varguse korral kaotatud/ varastatud võtme sulgemise ja allesjäänud võtmete/alarmi ümberkodeerimise kulud

[45] Glass damage: Covered ↩

Damage to cabin glass (windows, windshield) is covered, including replacement of film applied to the glass, under both the Osakasko and Täiskasko tiers.

[46] Natural perils: Covered ↩

Damage caused by natural disasters such as hail and flooding is compensated under both casco tiers.

[47] Vandalism: Covered ↩

Damage intentionally caused to the vehicle by third parties (vandalism) is compensated under both casco tiers.

[48] Roadside assistance: €300 – €800 ↩

Free 24/7 Autoabi24 assistance (jump-start, fuel, towing, transport of passengers and keys, on-site repairs) is included with casco; Gjensidige reimburses Autoabi24 service costs up to EUR 300 in Estonia and up to EUR 800 abroad, and applies no deductible to this service.

[49] Replacement vehicle: Optional ↩

Kasutuskatkestus is an optional add-on to either the Osakasko or Täiskasko package, paying a per-diem cash allowance (amount stated on the policy) for days the vehicle cannot be used, which can be spent on taxi rides, e-scooter or rental-car costs; it does not provide an actual replacement vehicle.

[50] Driver accident: Optional ↩

Accident insurance for the driver and passengers travelling in the vehicle is offered as a paid add-on to either casco package; the indemnity limit per passenger is stated on the policy, and permanent disability is compensated as a percentage of that limit.

Ühe reisija hüvitispiir on märgitud poliisil.

[51] Own damage: Covered ↩

Covers repair of the insured vehicle after an accident or, if repair is not reasonable, replacement with an equivalent vehicle; included in all Superkasko packages, up to the vehicle's insured value.

Näiteks saab kasko abil lasta õnnetuse järel oma sõiduk remontida või kui remont pole mõistlik, soetada uue samaväärse auto.

[52] Total loss: Covered ↩

If the vehicle is destroyed or repair is unreasonable, If compensates the vehicle's market value immediately before the event. Superkasko Lux and Lux+ add 15% of market value on total loss, theft or robbery; fully electric cars get the 15% extra on theft, robbery or destruction in every package.

Kui sõiduk on varastatud või röövitud või selle taastamine ei ole mõistlik, maksame täiendavat hüvitist, mille suuruseks on 15% sõiduki turuväärtusest vahetult enne kindlustusjuhtumit.

[53] Partial loss: Covered ↩

Covers repair costs when the vehicle is damaged but not destroyed, e.g. collision with a fixed obstacle such as a garage door or fence.

Näiteks kui sõidad vastu garaažiust või piiret ja kahjustad nii oma autot, aitab kindlustus remondikulusid katta.

[54] Theft & robbery: Covered ↩

Covers the vehicle if it is stolen; deductible is the policyholder's selected base deductible (200/300/400 EUR) and applies equally to theft events.

Vargus — hüvitame sõiduki või selle osade varguse või röövimise.

[55] Glass damage: Covered ↩

Windscreen and window chip repair is covered with a 0 EUR deductible in every package; if the chip exceeds 2 cm the glass is replaced instead of repaired, and replacement deductible follows the policy's terms.

Kui klaasikahjustus on suurem kui 2cm, siis klaas parandamise asemel vahetatakse.

[56] Natural perils: Covered ↩

Damage caused by storm, hail, flood or lightning is covered under the accident peril, subject to the selected base deductible; for fully electric cars, damage caused by hail, wind or flood carries a 0 EUR deductible.

Kui elektriauto hävineb või saab kahjustada rahe, tuule, tuule murtud või õhku tõstetud esemete või üleujutuse tagajärjel, hüvitame kahju – ja omavastutus on 0 €.

[57] Vandalism: Covered ↩

Covers intentional damage to the vehicle caused by third parties (vandalism), subject to the selected base deductible.

Vandalism — hüvitame kahju, mille on sõidukile tahtlikult tekitanud kõrvalised isikud.

[58] Roadside assistance: Covered ↩

Free 24/7 roadside assistance is included in every Superkasko package, covering breakdown help and towing to a suitable destination in Estonia and, outside Estonia, to an approved workshop in the country of the incident (excluding Russia, Belarus and Ukraine); fuel, spare parts and consumables are not covered.

Pukseerime rikkega sõiduki Sinu soovitud sihtkohta Eesti piires ning transpordime autojuhi koos kuni 10 kaassõitjaga ühte soovitud sihtkohta Mandri-Eesti piires.

[59] Replacement vehicle: €30 – €60 ↩

Available from the Superkasko Extra tier upward: policyholder can get a replacement car from If's partner during repair, or choose a cash daily allowance instead (30 EUR/day, or 60 EUR/day with Superkasko Lux+) for up to 7 days; rental car cost is covered from the 3rd day after the event until repair completion, up to a maximum of 60 days. Not included in the base Superkasko package.

Asendusauto rendikulu hüvitatakse alates 3. kindlustusjuhtumile järgnevast päevast kuni Su auto remondi lõpuni (maksimaalselt 60 päeva).

[60] Driver accident: €20,000 ↩

Included in Superkasko Extra, Lux and Lux+ (not in base Superkasko): a lump sum up to EUR 20,000 if the driver or a passenger suffers permanent injury or dies in a traffic accident, plus a daily allowance if they are on sick leave for at least 7 days.

Kui liiklusõnnetuse tagajärjel saab juht või kaasreisija püsiva tervisekahjustuse või sureb, maksame ühekordse hüvitise. Kui õnnetuse tagajärjel peab inimene olema haiguslehel vähemalt 7 päeva, maksame päevaraha.

[61] Own damage: 100% of insured sum ↩

Comprehensive cover for unexpected and unforeseeable damage, destruction or loss of the vehicle caused by traffic accidents, other accidents (external mechanical force, natural disaster, fire, explosion), vandalism, or theft/robbery, up to the insured sum (the vehicle's replacement value) stated on the policy.

Koguriskikindlustuse kindlustusjuhtum on ootamatu ja ettenägematu sündmus, mille tagajärjel saab kindlustatud ese kahjustada, hävib või kaob tingimuste punktides 3.1–3.4 nimetatud ning poliisile märgitud juhtumite tagajärjel, võttes arvesse tingimuste punktis 6 olevaid välistusi.

[62] Total loss: 100% of insured sum ↩

Full destruction, theft, hijacking or robbery of the vehicle is deemed total loss when repair costs would exceed 70% of the vehicle's market value; LHV reimburses the reasonable replacement cost based on the vehicle's Estonian market value immediately before the event. If marked on the policy, an additional 5% of the market value is paid for vehicle replacement/exchange costs (Premium/ePremium tiers include this as 'Autovahetuse kulu').

Täielikuks hävimiseks loetakse olukord, kus kindlustatud sõiduki taastusremondi kulu moodustab üle 70% sõiduki turuväärtusest kindlustusjuhtumi hetkel.

[63] Partial loss: 100% of insured sum ↩

Reasonable repair costs following a covered event are reimbursed if repair is economically and technically justified, after repair based on supporting documents. If the policyholder requests a cash payment without repair documents, the loss is calculated as 65% of the accepted repair cost; a cash payout otherwise requires LHV's consent and VAT is deducted unless repair is proven within 12 months.

Kui kindlustusvõtja taotleb rahalist hüvitist, kuid ei esita kindlustatud sõiduki taastamist kinnitavaid kuludokumente, siis loetakse kahjusummaks 65% LHV aktsepteeritud taastamiskulu maksumusest.

[64] Theft & robbery: 100% of insured sum ↩

Covers loss or damage of the vehicle or its parts due to theft, hijacking (unauthorised use), robbery, or attempts thereof, up to the insured sum. Cover is excluded if the vehicle lacked a functioning immobiliser/anti-theft device at the time or if the theft was not reported to the police.

kindlustatud sõiduki ärandamise või selle osade ja/või pagasi varguse tagajärjel tekkinud kahju ajal, mil sõidukile ei olnud paigaldatud nõuetekohaseid ärandamis- ja/või vargusvastaseid seadmeid või kui need seadmed ei olnud enne vargust või ärandamist sisse lülitatud või töökorras

[65] Glass damage: 100% of insured sum ↩

Windscreen/window damage is covered within the all-risk cover, up to the insured sum. No deductible applies if the glass is repaired (not replaced); the base deductible applies to sunroof and panoramic glass roof damage.

Klaasikahju omavastutus märgitakse poliisile. Kui kindlustatud sõiduki klaas parandatakse, siis omavastutust ei rakendata, välja arvatud katuseluugi ja klaaskatuse puhul, mille kahjustumise korral rakendatakse põhiomavastutust.

[66] Natural perils: 100% of insured sum ↩

Damage or destruction caused by natural disasters, including flood water and hail, is covered as part of the 'accident' peril within the all-risk cover, up to the insured sum.

Õnnetusjuhtum on kindlustatud eseme kahjustumine või hävimine välise mehaanilise jõu (sealhulgas igasuguse liiklusõnnetuse), loodusõnnetuse (sealhulgas tulvavesi, rahe), tule (sealhulgas suits, tahm ja kustutustööd) või plahvatuse tagajärjel.

[67] Vandalism: 100% of insured sum ↩

Intentional damage to the vehicle by a third party is covered up to the insured sum as one of the four core all-risk perils.

Vandalism on kindlustatud eseme tahtlik kahjustamine kolmanda isiku poolt.

[68] Roadside assistance: Covered ↩

24/7 roadside assistance for cars/vans up to 3,500 kg and motorcycles when an unexpected and unforeseeable event (e.g. flat battery, punctured tyre) prevents continued use of the vehicle; included with no deductible in every package. If towing is needed, the vehicle is transported within Estonia to a location chosen by the policyholder, or elsewhere on the covered territory to the nearest storage/repair facility; occupants may be brought to their destination or home within Estonia, Latvia and Lithuania. Must be ordered via LHV's roadside assistance phone line (680 1122). Towing/recovery costs to the nearest repair or storage location are separately covered up to €500 for cars/vans and €2,000 for trucks, buses and trailers.

Autoabiteenusega osutatakse esmast abi sõidu- ja pakiautole registrimassiga kuni 3500 kg ning mootorrattale, kui ootamatu ja ettenägematu sündmuse tagajärjel ei ole sõiduki kasutamine või sõidu jätkamine võimalik.

[69] Replacement vehicle: 30 days ↩

Available for cars/vans up to 3,500 kg when the insured vehicle cannot be used due to a covered accident, vandalism, theft or (if covered) technical breakdown. Included for up to 30 days per claim (max twice per insurance period) in the Premium and ePremium packages; in the Standard package it is only available for an additional premium. The replacement vehicle need not be equivalent to the insured vehicle and is issued via an LHV-appointed partner.

Asendusauto kasutamist võimaldatakse LHV poolt hüvitatava kindlustusjuhtumi korral sõidu- ja pakiautodele registrimassiga kuni 3500 kg juhul, kui kindlustatud sõiduki kasutamine ei ole liiklusõnnetuse, õnnetusjuhtumi, vandalismi, varguse või tingimuste punktis 5.7 nimetatud tehnilise rikke ... tagajärjel lubatud või võimalik.

[70] Driver accident: €10,000 ↩

Optional add-on (selectable regardless of package under 'Lisakaitsed') covering permanent disability or death of up to five occupants (including the driver) resulting directly from bodily injury caused by the insured event, with a benefit limit of €10,000 per person per insurance period. Payment requires disability of at least one year with at least 30% determined disability by a competent authority; full sum is paid in case of death.

Reisijate õnnetusjuhtumikindlustuse alusel hüvitatakse sõidukis viibinud kuni viie reisija (sealhulgas sõidukijuht) püsiv töövõime kaotus või surm, mis on otseselt tingitud kindlustusjuhtumi tagajärjel saadud kehavigastusest. Reisijate õnnetusjuhtumikindlustuse hüvitispiir on 10 000 eurot isiku ja kindlustusperioodi kohta.

[71] Own damage: Covered ↩

The sum insured equals the vehicle's market price in Estonia immediately before the insured event; own-damage is indemnified via restoration costs or a cash payout across all three tiers (Kasko 8, Kasko, Kasko Pluss).

Kindlustussumma on sõiduki turuhind Eestis vahetult enne kindlustusjuhtumit.

[72] Total loss: Covered ↩

On total loss, theft or robbery, indemnity is based on the vehicle's Estonian market value immediately before the event; under Kasko Pluss, if new-value insurance does not apply, 10% is added to cover replacement costs, capped at the price of an equivalent new car.

Kui Kasko Plussi korral ei hüvitata kahju uusväärtuskindlustuse (punkt 2.10) alusel, võetakse kahju suuruseks sõiduki turuhind Eestis vahetult enne kindlustusjuhtumit, millele lisatakse sellest 10% võimalike autovahetuskulude katteks.

[73] Partial loss: Covered ↩

Repair costs for damage caused by an insured event are indemnified based on invoices or PZU's accepted repair estimate; Kasko 8 covers partial damage only from traffic accidents and animal/bird collisions, while Kasko and Kasko Pluss cover partial damage from the full comprehensive-risk event list (including theft, vandalism, fire and natural perils).

Koguriskikindlustuse kindlustusjuhtum on sõiduki ootamatu ja ettenägematu kahjustumine või hävimine tingimuste punktides 2.6.-2.9. nimetatud sündmuse või muu sõidukivälise kontaktse sündmuse tagajärjel

[74] Theft & robbery: Conditional ↩

Theft or robbery of the insured vehicle or its parts is covered as a comprehensive-risk event under Kasko and Kasko Pluss; Kasko 8 excludes theft/robbery since its insured events are limited to traffic accidents, animal collisions and PZU Autoabi.

Vargus on kindlustatud eseme või selle osade kaotsiminek või kahjustumine varguse, röövimise või nende katse tagajärjel.

[75] Glass damage: Conditional ↩

Glass repair or replacement is covered under the comprehensive-risk event in Kasko and Kasko Pluss; repair (rather than replacement) is performed without any deductible when the damage diameter is under 2 cm and not on the driver's side.

Aknaklaas parandatakse, kui klaasi kahjustuse läbimõõt on väiksem kui 2 cm, see ei asu juhi poolel ja parandamisel ei rikuta klaasi soojendust.

[76] Natural perils: Conditional ↩

Damage from natural disasters, fire (incl. smoke, soot and firefighting) or explosion is covered as an 'accident' insured event under Kasko and Kasko Pluss comprehensive-risk cover; not included under Kasko 8.

Õnnetusjuhtum on kindlustatud eseme kahjustumine või hävimine loodusõnnetuse, tule (sh suitsu, tahma ja/või kustutustööde) või plahvatuse (sh lõhkekeha plahvatuse) tagajärjel.

[77] Vandalism: Conditional ↩

Intentional damage to the insured vehicle by a third party is covered under the comprehensive-risk event in Kasko and Kasko Pluss; not covered under Kasko 8.

Vandalism on kindlustatud eseme tahtlik kahjustamine kolmanda isiku poolt.

[78] Roadside assistance: €500 – €3,200 ↩

PZU Autoabi 24-hour roadside assistance is included in all three tiers; necessary recovery and transport costs to the nearest or a PZU-designated repairer or storage place within the same country are reimbursed up to €500 under Kasko 8, €1,000 under Kasko and €3,200 under Kasko Pluss.

Hüvitatakse kindlustusjuhtumi tõttu vajalikud ja põhjendatud sõiduki teele tõstmise kulud, sõiduki lähimasse või PZU määratud remondikohta toimetamise kulud või sõiduki hoiukohta toimetamise kulud sama riigi piires paketi Kasko 8 korral 500 euro, paketi Kasko korral 1000 euro ja paketi Kasko Pluss korral 3200 euro ulatuses.

[79] Replacement vehicle: Conditional ↩

A replacement vehicle for up to 30 days (or until the indemnity decision in case of theft/total loss) is included automatically in Kasko Pluss, available in Kasko only by special agreement noted on the policy, and not available under Kasko 8; replacement-car rental abroad is reimbursed up to €50/day incl. VAT; not provided if the repair time is under 24 hours.

Ühe kindlustusperioodi jooksul saab asendusautot kasutada kuni 30 päeva ulatuses.

[80] Driver accident: Conditional ↩

Indemnity is paid if the driver or a passenger suffers permanent incapacity for work (50% or more, lasting at least one year) or dies as a direct result of an insured event; included automatically in Kasko Pluss and available in Kasko only by special agreement noted on the policy; not available under Kasko 8. The sum insured per person is stated on the policy.

Reisijate õnnetusjuhtumi kindlustuse hüvitist makstakse juhul, kui sõidukis viibinud juht või kaassõitja jääb otseselt kindlustusjuhtumi tagajärjel tekkinud kehavigastuse tõttu püsivalt töövõimetuks või sureb.

[81] Own damage: Covered ↩

Damage to the insured vehicle caused by an accident (collision, collision with any object, running off the road, driving into a pothole) is a core insured risk. It is included by default in the Superkasko and Osakasko packages; in Minikasko it is one of the risks the client selects individually. The indemnity is based on the vehicle's market value (kindlustusväärtus) and capped by the sum insured stated on the policy.

Õnnetusjuhtumiks loetakse kindlustatud eseme kahjustumist või hävimist välise mehaanilise jõu tagajärjel, sh liiklusõnnetus.

[82] Total loss: Covered ↩

When the insured vehicle is destroyed (repair not economically or technically feasible) or stolen/robbed, the maximum indemnity is the vehicle's market value (harilik hind) immediately before the event, unless leasing-value or new-value insurance applies, in which case the leasing residual value or purchase price is paid instead.

Kindlustatud eseme hävimise korral on hüvitise maksimaalseks suuruseks hävinud eseme harilik hind v.a. liisingväärtus- ja uusväärtuskindlustuse korral (vaata punkte 13.1.3 ja 13.1.4).

[83] Partial loss: Covered ↩

When the insured vehicle is damaged and repair is economically and technically feasible, Salva indemnifies reasonable repair costs, using parts matching the pre-loss wear, value and quality; repair is done at a jointly agreed workshop or one nominated by Salva. Indemnity is capped by the sum insured.

Kindlustatud eseme kahjustumisega kindlustusjuhtumi tagajärjel on tegemist siis, kui seda on võimalik remontida ning remontimine on majanduslikult otstarbekas ja tehniliselt võimalik.

[84] Theft & robbery: Conditional ↩

Theft, robbery and unauthorised use are covered in Superkasko and can be selected in Minikasko; check the policy for Osakasko. Cover requires the vehicle to have been locked with windows and boot closed and an active alarm or immobiliser at the time of the event.

Varguseks loetakse kindlustatud eseme või selle osa äravõtmist ebaseadusliku omastamise eesmärgil.

[85] Glass damage: Optional ↩

Additional cover for the windscreen and cabin windows (incl. film), triggered by a direct impact causing breakage or cracking that requires replacement under applicable law; the reasonable repair cost is indemnified. This cover only applies if marked on the policy; deductible application terms are also set on the policy, and a double base deductible applies if the vehicle is repaired outside Estonia, Latvia or Lithuania. Sunroofs and glass roofs are excluded.

Klaasikindlustuse kindlustusjuhtumiks loetakse olukorda, kus sõiduki esi- või salongiklaas (sh klaasile paigaldatatud kile) on kahjustunud või hävinud otseselt sõiduki klaasile suunatud löögi tagajärjel.

[86] Natural perils: Conditional ↩

Direct damage caused by storm, hail or flood (and objects falling as a result). Per Salva's package comparison, this is included in Superkasko and Osakasko and is a client-selectable optional risk in Minikasko.

Tormiks, raheks ja üleujutuseks loetakse kindlustatud esemele vahetult loodusjõudude toimel tekkinud kahju, mille on tekitanud torm, rahe, üleujutus ning nimetatud sündmuste toimel esemete kukkumine kindlustatud esemele.

[87] Vandalism: Conditional ↩

Intentional damage or destruction of the vehicle by third parties (incl. explosive device detonation) and fire/explosion intentionally caused by third parties. Per Salva's package comparison, included in Superkasko and Osakasko and a client-selectable optional risk in Minikasko.

Vandalismiks loetakse kindlustatud eseme tahtlikku kahjustamist või hävitamist kolmandate isikute poolt (sh lõhkekeha plahvatus).

[88] Roadside assistance: €500 – €800 ↩

Covers accident-scene consultation/recording, technical breakdown assistance, tyre help, jump-starts (max twice per 30 days), towing of EVs to the nearest charging point (max twice per period), fuel delivery, lock-out assistance, extraction from ditches/snow, and towing/passenger transport. Only available for cars/vans up to 3500 kg gross weight, requires a policy mark, and must be requested via Salva's own Autoabi phone line (6844444) to be reimbursed. Towing sum insured is 500 EUR per claim in Estonia and 800 EUR per claim in Europe; the amount exceeding the sum insured is borne by the client.

Pukseerimise kindlustussumma Eesti Vabariigis on 500 eurot ning Euroopas 800 eurot ühe kindlustusjuhtumi kohta.

[89] Replacement vehicle: Optional ↩

If the trip is interrupted by an insured event, Salva covers reasonable costs of towing to the nearest secure car park, reasonable travel costs back to Estonia (train/ferry/bus), and, only with an additional mark on the policy, reasonable rental costs of a replacement vehicle or flight tickets to allow the driver and passengers to return to Estonia. The exact sum insured is stated on the policy; Salva's marketing materials state a travel-interruption sum insured of up to 2000 EUR, covering the whole travel party jointly.

Kindlustatud sõidukiga sõidu katkemisel punktides 7.2–7.6 nimetatud kindlustusjuhtumi toimumise tõttu hüvitatakse: a) sõiduki lähimasse valvega parklasse või kinnisele territooriumile esmase toimetamise põhjendatud kulud lepingus märgitud ulatuses;

[90] Driver accident: Optional ↩

Optional cover (added by special agreement, requires a policy mark) for the life and health of all lawful occupants of the vehicle, paying a permanent-disability benefit or a death benefit if a covered event (accident, storm/hail/flood, fire/explosion, vandalism, theft/robbery/unauthorised use) causes permanent disability within one year, or death within one year. The disability percentage is set using Salva's disability table; the sum insured is stated on the policy per insured person.

Tervisekahjustuse kindlustuse korral on kindlustatud esemeks kindlustatu elu ja tervis käesolevates tingimustes sätestatud ulatuses.

[91] Own damage: Covered ↩

Any damage, destruction or loss of the insured vehicle is covered under the comprehensive risk insurance, unless expressly excluded; the sum insured is the vehicle's actual market value in Estonia immediately before the event, not a fixed policy amount.

[92] Total loss: Covered ↩

The vehicle is deemed economically destroyed if repair costs exceed 70% of market value (Seesam may also treat it as destroyed at 50%); the market value is paid out. Under the Superkasko package an extra 10% of market value (or the full registration fee, if higher) is added. New-value cover (payment of the original purchase price) applies if the vehicle is up to 1 year old / max 30,000 km under Kasko, or up to 2 years old / max 40,000 km under Superkasko.

[93] Partial loss: Covered ↩

If the vehicle, its part or luggage can be technically and economically restored to its previous condition, Seesam covers the reasonable repair costs; the insured or beneficiary must choose a technically appropriate and cost-reasonable method of restoration.

[94] Theft & robbery: Covered ↩

Theft or robbery of the insured vehicle is covered under the comprehensive risk insurance; the vehicle registration certificate and all keys must be surrendered with the claim, and Seesam may apply a tripled theft/robbery deductible if not all keys are handed over.

[95] Glass damage: Covered ↩

Windscreen, cabin and roof glass damage is covered as part of the comprehensive risk insurance. Glass repair is covered with no deductible regardless of the policy's glass or base deductible; glass replacement is subject to the deductible stated on the policy. Damage from ice/snow scraping, glass haze, or pre-existing surface damage is excluded.

[96] Natural perils: Covered ↩

Damage caused by natural disasters is covered as part of the comprehensive risk insurance event definition.

[97] Vandalism: Covered ↩

Damage caused by vandalism is covered as part of the comprehensive risk insurance event definition.

[98] Roadside assistance: Covered ↩

Included by default for cars, vans and motorcycles (not in the base truck/trailer/bus Kasko package). Covers towing to the nearest garage, transport of driver/passengers, extraction from mud/snow/ditch, up to 5 litres of fuel, jump-start/tow for EV battery depletion up to 3 times per period, tyre change, key delivery, and up to 3 nights' accommodation abroad for the driver and one passenger. No deductible applies. Must be requested via the phone number stated on the policy (+372 6221 333); service ordered from other providers is not reimbursed.

[99] Replacement vehicle: €40 ↩

Optional cover providing a replacement vehicle for up to 50 nights while the insured car/van cannot be used due to a comprehensive-risk claim. If the customer declines Seesam's arranged car or is abroad, documented alternative transport/rental costs are reimbursed up to €40/night for up to 50 nights; if arranged without prior approval on a weekend/public holiday, up to €40/night for a maximum of 5 nights. Not provided if the repair time is under 12 hours.

[100] Driver accident: Optional ↩

Optional add-on covering the driver and/or occupants of the insured vehicle for permanent incapacity resulting from a comprehensive-risk event; the sum insured is stated on the policy per occupant. Full sum insured is paid for 100% loss of capacity, 50% for partial incapacity, and the full sum is paid to the heirs if the occupant dies as a result.

[101] Own damage: Covered ↩

Covers unexpected damage to the insured vehicle, including collisions, animal/bird strikes, vandalism, fire, natural disasters, theft and robbery, up to the sum insured stated on the policy.

[102] Total loss: Covered ↩

A vehicle is treated as a total loss when repair cost exceeds 70% of the insured value (or less, at the insurer's discretion), repair is not justified for road-safety reasons, or the vehicle is stolen; for cars/vans up to 3.5t, the insurer pays the agreed value stated on the policy or the market value if it exceeds that amount.

[103] Partial loss: Covered ↩

Repair costs for partial damage are covered subject to the agreed deductible; for vehicles up to five years old, new original spare parts are used in repairs.

[104] Theft & robbery: Covered ↩

Covers theft or robbery of the insured vehicle; for cars/vans up to 3.5t, the insurer pays the agreed value stated on the policy or the market value if it is higher.

[105] Glass damage: Covered ↩

Windscreen/window repair and replacement is covered with a €0 deductible.

[106] Natural perils: Covered ↩

Covers damage caused by natural disasters (e.g. storm, flooding) as part of the comprehensive casco cover.

[107] Vandalism: Covered ↩

Covers damage to the insured vehicle caused by vandalism.

[108] Roadside assistance: Covered ↩

24/7 roadside assistance is included as a standard benefit, covering Estonia and Europe.

[109] Replacement vehicle: €30 – €60 ↩

Optional add-on providing a replacement vehicle while the insured car is being repaired after a claim; the customer chooses a daily benefit limit of either €30 or €60 at contract signing, and may opt for an electric scooter as the replacement vehicle instead of a car.

Sellisteks puhkudeks tasub valida juurde asendusauto lisakaitse – päevalimiidi üle (kas 30 või 60 eurot) saad Swedbankis lepingu sõlmimisel ise otsustada.

[110] Driver accident: See details ↩

Driver accident (personal injury) cover is not stated for this product.