Balcia Casco (own-damage car insurance) (Casco)
Underwritten by Balcia Insurance SE · Estonia
casco (own-damage car insurance) from Balcia for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-03-18Sources
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.
Optional replacement vehicle: up to 30 days while the car is being repaired, and until the claim is settled after theft or total loss.
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.
Section: KINDLUSTUSKAITSE > 1. Mida kindlustus katab
Me maksame Kindlustushüvitist, kui Kindlustatud ese on ootamatu ja ettenägematu välise sündmuse tõttu kahjustunud (sh hävinenud).
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.
Section: KINDLUSTUSHÜVITIS > 5. Kindlustushüvitise arvutamine
Sõiduki varguse, röövimise või hävimise korral: määrame kahju suuruse Sõiduki Turuväärtuse või Uusväärtuse alusel, sõltuvalt kindlustuspoliisis määratud Kindlustussummale.
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.
Section: KINDLUSTUSHÜVITIS > 5. Kindlustushüvitise arvutamine
Määrame kindlaks remondikulude suuruse, mis on vajalikud Kindlustatud eseme taastamiseks seisundisse, millises see oli vahetult enne Kindlustusjuhtumi toimumist.
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.
Section: KINDLUSTUSKAITSE > 1. Mida kindlustus katab
Vargus või röövimine — Kindlustatud eseme vargus, sealhulgas juhtumid, millega kaasneb vägivald või vägivallaga ähvardamine.
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.
Section: KINDLUSTUSKAITSE > 1. Mida kindlustus katab
Klaasi purunemine — Sõiduki aknaklaaside, katuseluugi või panoraamkatuse klaasi purunemine, kui see on ainus Kindlustusjuhtumi poolt põhjustatud kahju.
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.
Section: Mõisted
Loodusõnnetused — tormi, üleujutuse, pikselöögi ja rahe ning neist loodusõnnetustest tingitud kukkuvate objektide otsene mõju.
Vandalism
Covered
Covers deliberate damage or destruction of the insured vehicle caused by a third party (Vandalism), as part of the general damage cover.
Section: Mõisted
Vandalism — füüsilise isiku tegevus, mille eesmärk on Kindlustatud eseme tahtlik kahjustamine või hävitamine.
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.
Section: KINDLUSTUSKAITSE > 24-tundi autoabi
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:
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.
Section: KINDLUSTUSKAITSE > Asendusauto
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.
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.
Section: Mida kindlustatakse? > Täiendavad riskid
Õnnetusjuhtumikindlustus maismaasõiduki juhile ja sõitjatele
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.
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.
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.
Territorial scope
Policyholder selects one of three territorial coverage zones: Baltic States, Europe, or Europe plus CIS countries (up to the 50° E meridian).
Documents
Policy specifics
Animal collision
Coverage for damage caused by collision with an animal
SourceSection: Casco > Coverage
Balcia casco helps, for example: traffic accident caused by you or another party, natural disasters or fire (storm, hail, flood etc.), collision with an animal, glass damage (for example a cracked windshield), vandalism and other unexpected damage, theft of the vehicle or its parts.
Key-related incidents
Coverage for incidents related to keys (e.g., lost or broken keys affecting the vehicle)
SourceSection: Casco > Claims
Good to know : collision with an animal – no deductible , first glass damage – 0% deductible, incidents related to keys – 0% deductible .
Excluded vehicle types
Specific types of vehicles not covered by CASCO Insurance
SourcePage 1Section: Mida ei kindlustata?
Kindlustatud ei ole: Võidusõiduautod Raudteesõidukid, trammid ja trollibussid Õhu- ja veesõidukid Traktorid ja muud eriseadmed Elektrilised motorollerid, jalgrattad.
AI-based dynamic pricing
Premium calculated using artificial intelligence based on driving behavior and data
SourceSection: Casco insurance
Balcia KASKO pricing is calculated with the help of artificial intelligence, based on various driving data.
Sources
- jepp.eehttps://jepp.ee/tingimused/balcia/casco/12.10.2025/tingimused.pdf#page=2(opens in a new tab)
- jepp.eehttps://jepp.ee/tingimused/balcia/casco/12.10.2025/tingimused.pdf#page=3(opens in a new tab)
- jepp.eehttps://jepp.ee/tingimused/balcia/casco/12.10.2025/tingimused.pdf#page=7(opens in a new tab)
- jepp.eehttps://jepp.ee/tingimused/balcia/casco/13.05.2025/ipid.pdf#page=1(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/casco(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/faq(opens in a new tab)
Balcia Casco (own-damage car insurance)