BTA Casco (own-damage car insurance) (Kaskokindlustus)
Underwritten by AAS "BTA Baltic Insurance Company" Eesti filiaal · Estonia
casco (own-damage car insurance) from BTA for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2023-07-12Sources
Unique selling points
Windscreen, side- and rear-window repair or replacement is covered with zero deductible (unless you choose replacement when the glass can be repaired).
The first collision with an animal during the policy period is reimbursed without any deductible.
A 24/7 BTA Autoabi roadside assistance hotline covers breakdowns and accidents with towing, jump-starts, fuel delivery and a temporary replacement car.
An optional deductible-waiver rider lets you avoid paying the deductible once per policy period when you caused the traffic accident.
Vehicles still under manufacturer warranty are repaired at authorized dealer workshops using new original parts at no extra cost.
Coverage limits
Own Damage (Casco Cover)
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.
Section: 3. KINDLUSTUSJUHTUMID
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.
Total Loss / Vehicle Write-off
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.
Section: 11. ÜLDPÕHIMÕTTED
Sõiduk loetakse hävinuks ja/või sõiduki taastamine on majanduslikult ebaotstarbekas, kui selle taastusremondi kulud ületavad 70% sõiduki harilikust turuväärtusest kindlustusjuhtumi toimumise hetkel.
Partial Loss / Repair Costs
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.
Section: 11. ÜLDPÕHIMÕTTED
Kui sõiduki taastusremont on majanduslikult ja tehniliselt otstarbekas ning BTA aktsepteerib kindlustusvõtja valitud sõiduki taastamise viisi ja kohta, väljastab BTA kindlustusvõtjale garantiikirja.
Theft and 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%).
Section: 3. KINDLUSTUSJUHTUMID
Vargus on sõiduki ebaseaduslik äravõtmine selle omastamise eesmärgil. Rööv on sõiduki vägivaldne ebaseaduslik äravõtmine selle omastamise eesmärgil.
Windscreen and Window Glass
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.
Section: 4. OMAVASTUTUS
kui klaasi on võimalik tehnilise ülevaatuse nõuete täitmiseks parandada, siis klaasi parandatakse omavastutust rakendamata. Kui kindlustusvõtja soovib parandatavat klaasi vahetada, rakendatakse omavastutust;
Natural Disaster
Covered
Covers vehicle damage caused by natural hazards such as flooding, whirlwind/storm, hail, hurricane, heatwave, landslide, forest fire or similar events.
Section: 3. KINDLUSTUSJUHTUMID
Loodusõnnetus on sõiduki kahjustumine loodusliku ohu, nt üleujutuse, keeristormi, rahe, orkaani, kuumalaine, maalihke, metsatulekahju või muu sellise tagajärjel.
Vandalism
Covered
Covers intentional damage to the vehicle caused by a third party who is not connected to the policyholder.
Section: 3. KINDLUSTUSJUHTUMID
Vandalism on sõiduki tahtlik kahjustamine kindlustusvõtjaga mitteseotud kolmanda isiku poolt.
BTA Autoabi 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.
Section: 6. LISAKAITSED
kui kindlustusjuhtum toimub väljaspool Eesti territooriumi, tagab BTA autoabiteenuseid kokku kuni 600 euro ulatuses;
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.
Section: 6. LISAKAITSED
Asendusauto lisakaitse korral hüvitab BTA kindlustusjuhtumi toimumisel asendusauto rendikulud või muud transpordikulud (nt ühistransport, takso jne) kuni 21 kalendripäeva.
Driver and Passenger Accident Insurance
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.
Section: 6. LISAKAITSED
Õnnetusjuhtumikindlustuse lisakaitse kindlustusjuhtumiks on kindlustatud isiku töövõime ulatuse vähenemine / puue või surm, mis on otseselt tingitud liiklusõnnetuse tagajärjel saadud kehavigastustest.
Key conditions
Driver age and experience limit
The T&C, IPID and general terms do not specify a minimum driver age or driving-experience requirement for Casco cover.
Repair network requirements
During the manufacturer's general warranty period, repairs must be carried out at a manufacturer-authorized representative using original spare parts; after the warranty expires, repairs may be done at any repair shop unless the optional 'repair at manufacturer's authorized representative' rider has been purchased.
Anti-theft requirements
The vehicle must have factory-installed, functioning anti-theft equipment and the full set of keys provided by the manufacturer; BTA may request photos or an inspection to verify the vehicle's condition before cover starts.
Claim notification deadline
The policyholder must notify BTA of a claim without delay and provide all available information and documents on the cause and extent of the loss; if the vehicle has a tachograph, a printout of the tachograph record sheet must be submitted within 48 hours of a traffic accident.
Deductible rules
The deductible stated on the policy applies to each insured event unless agreed otherwise, and multiple deductibles may apply simultaneously if several selected covers are triggered by one event. No deductible applies to windscreen, side- and rear-window repair/replacement (sunroofs, roof glass, mirrors and lights are not treated as 'glass' and the deductible does apply to them), to the first animal-collision claim per policy period, or to lost/stolen/damaged key or remote replacement (capped at €400 per event). The deductible is tripled if the vehicle is repaired outside Estonia or if the vehicle's actual use did not match the 'normal use' stated on the policy — in the latter case the tripling also overrides the glass and animal-collision deductible waivers.
Direct payment
BTA may settle a claim by reimbursing repair costs, paying a cash indemnity, or issuing a guarantee letter (garantiikiri) directly to the repair shop chosen by the policyholder; issuing a guarantee letter does not make BTA the party ordering the work nor responsible for the quality of the work performed.
Territorial scope
Coverage applies within the territory stated in the policy; by default this is Europe excluding Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan, Turkey and Kazakhstan, unless the contract states otherwise. The territory can be extended by agreement to also include Russia, Belarus and Ukraine.
Documents
Policy specifics
Windscreen and Window Coverage
Zero deductible coverage for windscreen, side and rear window repair/replacement (sunroofs, glass roofs, mirrors and lights excluded)
SourceSection: Kaskokindlustus > Lisainfo ja tingimused > Kaskokindlustus
Lisaks pakume mitmeid kaitseid 0-eurose omavastutusega, näiteks: klaaside purunemine, kokkupõrge loomaga, võtmete kaotamine või vargus.
Animal Collision Coverage
Zero deductible for first animal collision during policy period
SourceSection: Kasko kahjunõue > Lisainfo ja kahjudokumendid
Omavastutust ei pea tasuma loomale otsasõidu korral, kui tegemist on esimese loomale otsasõiduga poliisi kehtivuse jooksul.
Deductible Waiver for Collision
Optional add-on rider that waives the deductible once per policy period if the policyholder caused the traffic accident
SourceSection: Kasko kahjunõue > Lisainfo ja kahjudokumendid
Lisaks saad osta kaskokindlustusele juurde lisariski, mille korral ei pea Sa tasuma omavastutust, kui oled põhjustanud liiklusõnnetuse.
Authorized Manufacturer Repair
Vehicle repair at manufacturer-authorized service centers during manufacturer warranty period
SourcePage 5Section: 6. LISAKAITSED
Sõiduki remont tootja volitatud esinduses lisakaitse alusel remonditakse sõiduk kindlustusjuhtumi korral ka pärast sõiduki üldgarantii lõppu sõiduki tootja volitatud esindaja juures Eestis ning kui kahjustunud osa ei ole tehnoloogiliselt ega majanduslikult mõistlik taastada või see ei taga kvaliteetset lõpptulemust, asendatakse kahjustunud osad uute originaalvaruosadega.
Territory Coverage Options
Flexible territory selection: Estonia, Baltic states, Europe (with or without specific countries)
SourcePage 1Section: Kus ma olen kindlustatud?
Kindlustus kehtib poliisile märgitud territooriumil, mis võib olla valikuliselt Eesti, Balti riigid, Euroopa, Euroopa sh Ukraina, Venemaa, Valgevene.
Anti-theft Device Requirement
Vehicle must have factory-installed functioning anti-theft equipment and required set of keys from manufacturer for policy issuance
SourceSection: Kaskokindlustus > Lisainfo ja tingimused > Kaskokindlustus
BTA kaskokindlustuse sõlmimiseks peab sõidukil olema tehases paigaldatud töökorras ärandamisvastane turvavarustus ja tehasest ettenähtud võtmete arv.
Vehicle Condition Documentation
Photos of vehicle must be submitted before insurance period begins; BTA may apply higher deductible for late submission
SourceSection: Kaskokindlustus > Lisainfo ja tingimused > Kaskokindlustus
Fotod tuleb edastada enne kindlustusperioodi algust. BTA võib rakendada kõrgendatud omavastutust fotode eest, mis ei ole õigeaegselt edastatud.
Vehicle Usage Restrictions
Normal use only; excludes rental/lease operations and rental/hire arrangements
SourceClause 1.5Page 1Section: 1. KINDLUSTATUD ESE
Sõiduk ei ole tavakasutuses, kui: 1.5.1. sõiduk on seotud üürile või rendile andmisega (v.a kasutus- või kapitalirent, kui kindlustusvõtja on ühtlasi liisinguvõtja);
Vehicle Age Limit
Casco insurance available only for vehicles up to 20 years old
SourceSection: Kaskokindlustus > Lisainfo ja tingimused > Kaskokindlustus
Pakume kaskokindlustust kuni 20 aastastele sõidukitele ning kindlustusterritooriumiks on Euroopa, v.a Venemaa, Valgevene, Ukraina, Moldova, Gruusia, Armeenia, Aserbaidžaan, Türgi ja Kasahstan.
Deductible (Omavastutus) Structure
Fixed amount and/or percentage of claim; applied per insured event as marked on policy
SourcePage 2Section: 4. OMAVASTUTUS
Omavastutus on kindlustuslepingus kokkulepitud osa kahjust, mida BTA ei hüvita. Omavastutus võib olla määratud kindla rahasumma ja/või protsendina hüvitamisele kuuluvast kahjusummast.
Multiple Coverage Activation Deductible
When multiple different selected coverages trigger on same insured event, deductible may be applied simultaneously
SourcePage 2Section: 4. OMAVASTUTUS
Kui kindlustusjuhtumi toimumisel realiseerub mitu erinevat valitud kindlustuskaitset, võib üheaegselt rakenduda mitu erinevat omavastutust, kui selles on kindlustuslepingus kokku lepitud.
Claims Settlement Methods
Insurer may choose to reimburse repair costs OR provide repair guarantee letter (garantiikirja); policyholder may contact repair shops directly
SourcePage 9Section: 11. ÜLDPÕHIMÕTTED
Kui sõiduki taastusremont on majanduslikult ja tehniliselt otstarbekas ning BTA aktsepteerib kindlustusvõtja valitud sõiduki taastamise viisi ja kohta, väljastab BTA kindlustusvõtjale garantiikirja.
Spare Parts Replacement Policy
Under the authorised-dealer repair add-on, damaged parts that cannot reasonably be restored are replaced with new original parts; non-original or used parts from previous repairs are replaced with equivalent parts
SourcePage 5Section: 6. LISAKAITSED
Sõiduki varasematel remonditöödel kasutatud mitteoriginaalvaruosad ja kasutatud varuosad asendatakse samaväärsete varuosadega.
Sources
- bta.eehttps://bta.ee/kahjud/kasko(opens in a new tab)
- bta.eehttps://www.bta.ee/era/kaskokindlustus(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/kasko/Kaskokindlustus-A6-2023.01.pdf#page=2(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/kasko/Kaskokindlustus-A6-2023.01.pdf#page=3(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/kasko/Kaskokindlustus-A6-2023.01.pdf#page=4(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/kasko/Kaskokindlustus-A6-2023.01.pdf#page=6(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/kasko/Kaskokindlustus-A6-2023.01.pdf#page=9(opens in a new tab)
- bta.eehttps://www.bta.ee/userfiles/files/IPID-Casco-Insurance-EE.pdf#page=1(opens in a new tab)
BTA Casco (own-damage car insurance)