Balcia Insurance SE Estonian Branch
Balcia
Balcia is a motor casco insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
If the policyholder chooses their own repair shop, Balcia pays the compensation directly to that workshop for the repair costs invoiced, minus the deductible, capped at 30% of the repair estimate prepared by Balcia's own chosen workshop.
Geographic scope
Estonia
Policyholder selects one of three territorial coverage zones: Baltic States, Europe, or Europe plus CIS countries (up to the 50° E meridian).
Unique selling points
- Premiums are calculated with an AI-based dynamic pricing tool that factors in individual driving behaviour and data.
- Get an online quote in about 90 seconds and complete the policy instantly in the Balcia app.
- Casco premiums can be paid in monthly instalments with no extra cost or price increase.
- Zero deductible applies to the first glass-damage claim, animal collisions, and key-related incidents.
- A replacement vehicle is provided for up to 30 days while the car is repaired, stolen, or written off.
Coverage limits
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.
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.
Partial loss / repair
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.
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.
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.
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.
Vandalism
Covered
Covers deliberate damage or destruction of the insured vehicle caused by a third party (Vandalism), as part of the general damage cover.
24/7 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.
Replacement vehicle
Optional
Optional cover providing a replacement car from the day after the loss is reported for up to 30 calendar days if the vehicle becomes undrivable, is stolen or is totally lost, or reimbursement of rental costs if Balcia cannot provide one.
Driver and passenger accident insurance
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.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience is stated; the driver must simply hold a valid licence for the vehicle's category, otherwise Balcia can refuse the claim.
Repair network requirements
The insured may choose their own repair shop, but the payout is then capped at 30% of the repair estimate prepared by Balcia's chosen workshop; an optional add-on allows repair at the manufacturer's authorised dealer even after the general warranty ends.
Territorial scope
The policyholder chooses one of three territorial coverage zones: Baltic States, Europe, or Europe plus CIS countries (up to the 50° E meridian).
Anti-theft requirements
After a theft the insured must hand over all key sets and anti-theft device remote controls issued with the vehicle; if locks/immobiliser codes were not changed or the vehicle was not kept in a secured car park or locked garage, Balcia may cut the payout by up to 50%.
Claim notification deadline
No fixed number of days is specified; the policyholder must contact Balcia and the relevant authority (police, medical facility, rescue service) as soon as possible, and delayed notification that prevents the loss from being assessed can lead to refusal of the claim.
Deductible rules
The deductible is waived when a liable third party's MTPL insurance covers the damage, and for lost/stolen keys and personal belongings; for theft or robbery in CIS territory the deductible is doubled (minimum 20% of the payout); no separate deductible applies to repairs made under the authorised-dealer add-on. According to the FAQ, collisions with animals also carry no deductible.