BTA
BTA is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
BTA does not provide direct payment to repair shops by default; instead, BTA issues a guarantee letter to the insured when repair is economically and technically feasible and the insured's chosen repair method and location is accepted. The insurer pays the compensation to the insured or, in total-loss cases, pays the market value minus deductible and salvage value.
Geographic scope
EE
Europe excluding Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan, Turkey and Kazakhstan (default); Baltics-only or extended options available by agreement
Unique selling points
- Roadside assistance (BTA Autoabi) is included free of charge with every Casco policy for passenger cars and vans up to 3,500 kg, with 24/7 availability — no extra premium required.
- Zero deductible automatically applies to glass repair/replacement, first animal collision, and key replacement/recoding (up to €400) — without any add-on purchase.
- Electric and hybrid vehicle chargers (charging cable and home charger up to €2,000) are covered against vandalism, theft and robbery as a standard policy inclusion.
- New-value insurance add-on reimburses the full original purchase price on total loss or theft for vehicles up to 1 year old and under 30,000 km, extendable up to 24 months when the policy is renewed.
- Buying Casco and MTPL together online provides a 10% discount, with instant policy issuance and full self-service management.
Coverage limits
Own vehicle damage (traffic accident, fire, natural peril)
Covered
Covers unexpected and unforeseen damage to or destruction of the insured vehicle resulting from a traffic accident, fire/smoke/soot, natural peril (flood, storm, hail, hurricane, heat wave, landslide, forest fire), vandalism, theft or robbery. Compensation is up to the insured sum stated on the policy (market value immediately before the insured event for passenger cars and vans; numerically stated value for trucks, trailers and buses).
Total loss / constructive total loss
Covered
Vehicle is declared a total loss when repair costs exceed 70% of market value at time of loss. BTA may declare total loss when costs exceed 50% of market value. Compensation equals the vehicle's market value immediately before the insured event minus the deductible and salvage value (if retained by insured). If the wreck is transferred to BTA, full market value minus deductible is paid.
Partial loss / repair costs
Covered
Repair costs for partial damage are covered up to the insured sum. BTA has the right to require use of parts appropriate to the vehicle's age and technical condition. If BTA and insured disagree on repair method or location, BTA pays a cash indemnity reflecting reasonable and justified repair costs.
Theft and robbery
Covered
Theft (unlawful taking of the vehicle with intent to appropriate) and robbery (violent unlawful taking) are covered as standard insured events up to the insured sum. Coverage requires the vehicle to have been equipped with a working factory anti-theft system and all factory-provided keys present at policy inception. Key replacement and recoding is covered up to €400 per event without a deductible.
Glass damage (windscreen and side/rear windows)
Covered
Replacement or repair of front, rear and side glass is covered without any deductible. If the glass can be technically repaired (meeting roadworthiness requirements), it is repaired at no deductible; if the insured prefers replacement of repairable glass, a deductible applies. Sunroof, glass roof, mirrors and lights are NOT included in the zero-deductible glass definition and a deductible applies to those items.
Natural perils
Covered
Covers vehicle damage caused by natural hazards including flooding, whirlwind, hail, hurricane, heat wave, landslide and forest fire.
Vandalism
Covered
Intentional damage to the insured vehicle by a third party unrelated to the policyholder is covered as a standard insured event. For electric/hybrid vehicles the charger (charging cable and home charger up to €2,000) is covered against vandalism, robbery and theft only.
Roadside assistance (BTA Autoabi)
Covered
BTA Autoabi is included free of charge with Casco insurance for passenger cars and vans with registered mass up to 3,500 kg. Available 24/7. Services include 24/7 phone consultation, on-scene assistance, towing, vehicle recovery from sand/mud/snow, jump-start, door unlocking, spare key delivery, fuel delivery (up to 5 litres), tyre change, and replacement car for up to 3 days. Outside Estonia, total roadside assistance costs are covered up to €600.
Replacement vehicle (optional add-on)
Optional
Optional add-on. BTA covers rental car costs or other transport costs (public transport, taxi, etc.) for up to 21 calendar days per insured event. The maximum daily benefit is stated on the policy. Applies when the vehicle cannot be used due to damage, is under repair, or has been stolen, robbed or destroyed. No separate deductible applies. Maximum 2 claims per policy period. No compensation if repair time is less than 12 hours or damage is less than the policy deductible.
Accident insurance for driver and passengers (optional add-on)
Optional
Optional add-on. Covers reduction in work capacity/disability or death of insured persons in the vehicle caused directly by injuries sustained in a traffic accident. Sum insured is €5,000 per insured person as stated on the policy. Pays 50% for partial work capacity loss/moderate disability and 100% for full work capacity loss/severe or profound disability. Death benefit equals full sum insured if death occurs within one year of the insured event. No separate deductible applies.
Key conditions
driver_age_experience_limit
No specific minimum driver age or experience requirement is stated in the policy terms. However, driving under the influence of alcohol, narcotics or psychotropic substances voids coverage. BTA is released from its obligations if the driver lacked the appropriate category driving licence at the time of the traffic accident.
repair_network_requirements
During the vehicle's manufacturer general warranty period, repair costs are covered at a manufacturer-authorised dealership. After the general warranty expires, repair at an authorised dealership is only covered if the optional 'Authorised Repair' add-on is selected. If the vehicle is repaired outside Estonia, a triple deductible applies. BTA must accept the chosen repair method and location before a guarantee letter is issued.
territorial_scope
Default coverage territory is Europe, excluding Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan, Turkey and Kazakhstan. A Baltics-only option is available at reduced premium. An extended territory including Russia, Belarus or Ukraine can be agreed separately. Online-purchased policies default to European territory.
anti_theft_requirements
To conclude a Casco policy, the vehicle must be equipped with a working factory-installed anti-theft system and must have all factory-provided keys present. BTA may request photos of the vehicle before the policy start date. Failure to provide photos in time may result in an elevated deductible. Coverage is excluded if the key was left in the vehicle, doors were unlocked, or anti-theft devices were not activated at the time of theft/robbery.
claim_notification_deadline
The insured must notify BTA immediately of the insured event and provide all available information and documents regarding the cause and extent of damage. In the event of theft, robbery or vandalism, police must be notified immediately. In the event of a traffic accident, a tachograph record must be submitted to BTA within 48 hours. The damaged vehicle must be presented to BTA for inspection as soon as possible in its post-accident condition without unauthorised alterations.
deductible_rules
The deductible is stated on the policy as a fixed amount and/or percentage of the loss. Zero deductible applies to: (1) windscreen and window glass repair/replacement (not sunroof, mirrors or lights); (2) first animal collision claim per policy period; (3) lost/stolen/damaged key replacement and recoding up to €400. Triple deductible applies if the vehicle is repaired outside Estonia. Triple deductible applies if the vehicle is used for non-standard purposes (rental, taxi, courier, etc.) despite being declared as standard use. For theft/robbery outside Estonia (incl. Ukraine, Russia, Belarus), the deductible is doubled but not less than 30% of the damage amount. The 'No-deductible accident handling' add-on allows one claim without deductible per policy period if the accident involved another vehicle and was properly documented.
Where to buy
Documents
Policy specifics
Charger insurance for electric and hybrid vehicles
Coverage for charger damage caused by vandalism, robbery and/or theft on electric and hybrid vehicles
Zero deductible for glass repair/replacement
No deductible applies to windscreen and window replacement or repair costs
Zero deductible for animal collision (first occurrence)
No deductible applies to the first animal collision claim during the policy period
New value insurance (uusväärtuskindlustus)
Optional additional coverage that extends new-value protection for up to 24 months or 30,000 km from first registration
Personal belongings insurance
Optional coverage for personal items in vehicle (saloon, luggage compartment, roof box or bike rack) up to €1,000 total coverage
Pet insurance (veterinary expenses)
Optional coverage for justified and reasonable veterinary expenses for one dog or cat injured in vehicle during traffic accident
Vehicle key replacement and recoding
Coverage for key recoding or replacement costs up to €400 if vehicle keys are lost, stolen or damaged, covered without a deductible.
Loading damage insurance
Optional coverage for vehicle damage caused by cargo loading or unloading
Legal costs insurance
Optional coverage for legal aid costs related to traffic accident including misdemeanor/criminal proceedings and contesting third-party insurer decisions
Deductible-free accident claim (no deductible handling)
Optional additional coverage allowing one claim without deductible during policy period if accident involves another vehicle and is properly documented
Lease payment insurance
Optional coverage for vehicle lease payment obligation if vehicle is economically unrepairable after insured event
Accident insurance (personal injury)
Optional coverage for work capacity loss or death of insured persons in vehicle from traffic accident injuries
Authorized manufacturer repair
Optional coverage ensuring repair at manufacturer-authorized service center using original parts even after general warranty expiration
Insurance territory
Coverage territory is Europe excluding Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan, Turkey and Kazakhstan
Vehicle age requirement
Casco insurance is available for vehicles up to 20 years old from first registration
Deductible tripling for non-standard vehicle use
If vehicle use is stated as normal but is found during claims handling to be non-standard (e.g., rental, taxi, courier), deductible is tripled for all claims
Deductible doubling for theft/robbery outside Estonia
Deductible is doubled for theft/robbery claims in Europe including Ukraine, Russia, Belarus, but not less than 30% of damage amount
Deductible tripling for repairs outside Estonia
Principal deductible is tripled if vehicle is repaired outside Estonia territory
Anti-theft device requirements
Vehicle must be equipped with factory-installed working anti-theft system and correct number of factory-provided keys to qualify for Casco coverage
Roadside assistance service
BTA roadside assistance is included free with Casco insurance for passenger and cargo vehicles with registered mass up to 3,500 kg
Claims notification requirement
Insured must notify BTA promptly of accident and follow insurer instructions; must deliver tachograph record within 48 hours for traffic accidents