Motor casco

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Feature / category	BTA May 14, 2026 Open details	ERGO May 14, 2026 Open details	Gjensidige May 14, 2026 Open details	If May 14, 2026 Open details
Overview
Insurer	AAS BTA Baltic Insurance Company Estonian Branch	ERGO Insurance SE	Akciné draudimo bendrové "Gjensidige" Eesti filiaal	If P&C Insurance AS
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
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.	24/7 European roadside assistance included at no extra charge in every casco policy, with no cap on towing or assistance costs. No deductible applied to glass repairs (only to replacements), and animal/bird collision can be added as a zero-deductible option with dashcam-supported avoidance cover. Deductible reduced by EUR 100 automatically when the policyholder holds at least 3 different annual ERGO policies, bringing the standard passenger car deductible down to EUR 100 per claim. New-value insurance pays out the full original purchase price (plus registration fees and motor tax) in total-loss or theft cases for first owners within 12 months / 30,000 km from first registration. 10% online purchase discount when buying through the ERGO e-office, with instant policy issuance and no additional transaction fees.	Free 24/7 roadside assistance (Autoabi24) with costs reimbursed up to €800 abroad, available in Estonian even outside Estonia. Covers damage caused by an unidentified third party – a protection not provided by mandatory MTPL insurance. No deductible on glass damage (front, rear and side windows) – glass is repaired or replaced without extra cost to the policyholder. Leasing value protection covers financed vehicles up to €35,000 in the event of total loss or theft. 10% online discount available when purchasing a new casco policy through gjensidige.ee.	Zero deductible applies to wildlife collisions, windscreen chip repairs, side mirror damage, and stolen key re-coding — common claim types where most insurers charge the full deductible. Comprehensive built-in electric vehicle benefits: EV charging cable and device covered up to €2,000 with €0 deductible, battery-discharge roadside assistance, and a 15% market-value top-up on total loss — all included automatically for fully electric M1/N1 vehicles. New-value insurance (uusväärtuskindlustus) pays the original purchase price on total loss for vehicles up to 24 months old (cars/vans) or 12 months old (trucks/buses) with under 40,000 km, eliminating depreciation risk on new vehicles. No surcharge for instalment payments — the full annual premium is the same whether paid monthly or in one amount, unlike most competitors who add a financing fee. SUPERKASKO LUX+ tier delivers accelerated claims decisions (10 working days, 30 for theft), doubled cash transport allowance (€60/day), and €0 deductible for all hail, storm, and flood damage.
IPID	IPID	IPID	IPID	Not available
Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions 1 Terms & conditions 2
Coverage
Own damage	unlimited	unlimited	unlimited	Covered
Total loss	Covered	unlimited	Covered	Covered
Partial loss	unlimited	unlimited	unlimited	Covered
Theft & robbery	unlimited	unlimited	unlimited	Covered
Glass damage	unlimited	unlimited	unlimited	Covered
Natural perils	unlimited	unlimited	unlimited	Covered
Vandalism	unlimited	unlimited	unlimited	Covered
Roadside assistance	unlimited	unlimited	€800	Covered
Replacement vehicle	Optional	Optional	Optional	Optional
Driver accident	Optional	Optional	Optional	Optional
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.	No explicit minimum driver age or experience requirement is stated in the policy terms beyond the general requirement that the driver must hold a valid driving licence for the relevant vehicle category (section 5.4.3). The insurer must be notified if the primary user of the vehicle changes.	No specific minimum driver age or experience requirement is stated on the public product page. Standard Estonian traffic law requirements apply (minimum age 18 for category B).	No specific driver age or experience minimum is stated in the TK-20231 terms. However, the vehicle must be driven only by a person holding the applicable driving licence category and valid driving permit (p 203). If may require additional safety devices depending on the vehicle and risk profile.
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.	For vehicles under manufacturer's general warranty, repairs are settled based on restoration at an authorised dealer or a workshop accepted by the dealer. For vehicles over 5 years old without a valid warranty, authorised-dealer repair is accepted only if the vehicle has been consistently and timely serviced at an authorised dealer. For other vehicles, ERGO may designate the repair location; the customer may also choose a different workshop, in which case all reasonable costs are covered at reasonable rates.	Gjensidige has an authorised repair partner network. If repairs are performed outside the partner network, Gjensidige reimburses based on original invoice but no more than the equivalent partner network rate. Repairs outside Estonia may attract a higher deductible.	If prioritises repairing damaged parts over replacement and uses age-appropriate spare parts (B-category or reconditioned original parts for older vehicles). The optional 'Remont margiesinduses' cover requires that indemnity is calculated based on repair costs at the manufacturer-authorised dealer (brand workshop) in Estonia even after warranty expiry; for vehicles up to 5 years old, new original spare parts are used provided replacement is not technically/economically reasonable. Repairs outside Estonia, Latvia, Lithuania, or Poland trigger a double base deductible for passenger cars and vans.
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.	Coverage is valid in Europe excluding Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey. The territory can be modified by agreement with the insurer.	Coverage is valid in the territory stated on the policy. Standard coverage applies across Europe (excluding CIS countries). Roadside assistance abroad is reimbursed up to €800. Coverage applies to land vehicles registered in the Estonian national motor register.	Coverage is valid in the territory noted on the policy: (1) Estonia only; (2) Europe excluding Ukraine, Belarus, Russia; or (3) all of Europe including the European part of Russia. Roadside assistance (Autoabi) does not apply in Russia, Ukraine, or Belarus regardless of selected territory. Repairs outside Estonia, Latvia, Lithuania, or Poland trigger double base deductible for passenger cars/vans. Repairs outside the EEA may double the base deductible.
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.	At the time of a theft or robbery incident, the vehicle must have had the anti-theft device agreed at contract conclusion in working order and activated (activation requirement does not apply to robbery). The policyholder is responsible for ensuring the presence and working order of the agreed anti-theft devices. If a GPS tracking device was agreed at contract conclusion and is found to be absent after theft, the claim may be refused.	The insurer may require anti-theft devices (alarm, immobiliser, security bolts on alloy wheels) as a condition of cover or to reduce the insured risk. In the event of theft, all remaining keys, documents and the security bolt key must be submitted to Gjensidige. The policyholder must ensure that removable panels, GPS devices and registration documents are removed and anti-theft devices activated when leaving the vehicle.	Passenger cars and vans insured against theft and robbery must have an independently activated immobiliser installed before policy conclusion (p 158). Motorcycles must have an alarm or independently activated immobiliser (p 162). For trucks/tractors with Estonia-only coverage and market value below €32,000, an immobiliser or alarm is not mandatory (p 160); otherwise required (p 161). If may also require additional security devices (p 159).
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.	In the event of an insured incident, the policyholder must notify ERGO as soon as possible and provide details of the incident, estimated damage, witnesses, parties involved and the liable party. Traffic accidents, theft, robbery and vandalism must be registered with the police. A fire incident must be reported to both the police and the rescue service. The policyholder must preserve the damaged vehicle for inspection before repair or disposal.	The policyholder must notify Gjensidige of a loss event promptly. In the event of theft, notification must be made within 3 working days. In the event of a traffic accident involving a truck or trailer, tachograph data must be submitted immediately but no later than within 5 working days after the loss event.	The policyholder must report the insured event without delay: traffic accidents to police (where legally required), vandalism/arson/theft/robbery immediately to police with a request to initiate proceedings, fire/explosion to the rescue service, wildlife collisions per applicable law (p 208). The damaged vehicle must be presented to If for inspection in its post-loss condition and preserved for a set period for re-inspection (p 211). For theft/robbery, all keys and remotes must be submitted (p 213). Photo documentation of the vehicle may be requested within 3 working days of policy conclusion (p 7).
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.	Standard deductible for passenger cars and vans: EUR 200 per insured event (EUR 300 for motorcycles). For theft or robbery: 15% of the damage amount, minimum EUR 200 (EUR 300 for motorcycles). The deductible can be reduced by EUR 100 if the policyholder holds at least 3 different annual insurance policies with ERGO. No deductible applies when: (a) the vehicle is destroyed by a natural disaster; (b) glass is repaired (not replaced); (c) ERGO roadside assistance services are used; (d) ERGO replacement vehicle add-on is selected; (e) animal/bird collision add-on is selected; (f) zero-deductible glass replacement option is selected.	The deductible amount is stated on the policy. The main deductible applies to damage from sudden and unforeseen external mechanical force, traffic accident, natural disaster, fire or explosion. In the event of total loss, either the main deductible or a percentage of the vehicle's market value applies as agreed in the contract. For full vehicle insurance, the main deductible for total loss from an insured event may not apply. No deductible applies to Autoabi24 roadside assistance. No deductible applies to front, rear and side glass replacement or repair (unless otherwise agreed); glass repair is always without deductible if repairable to technical inspection standards.	The base deductible (põhiomavastutus) is stated on the policy and selectable as €200, €300, or €400. A separate theft/robbery deductible applies (policy-stated, may be a % of market value). A glass insurance deductible applies to glass replacement (can be €0). Zero deductible applies to: wildlife/animal collision (p 223), windscreen/glass repair (p 22), side mirror damage (p 28), EV charging cable (p 41.2), EV damage from hail/wind/flood (p 41.4), roadside assistance (p 226), replacement vehicle (p 62), travel disruption abroad (p 84), luggage in locked vehicle (p 96), key re-coding after robbery/break-in (p 225). Double base deductible: repairs outside Estonia/Latvia/Lithuania/Poland (p 228), 3rd+ claims in same policy period (p 229), no vehicle photos submitted within 3 days (tripled deductible) (p 7). SUPERKASKO LUX+: €0 deductible for hail/wind/flood damage (p 157).
Proof and next steps
Direct payment policy	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.	Claims are settled by direct payment to the repair workshop or by cash transfer to the policyholder's bank account; ERGO may designate the repair location or arrange repair directly. No cash settlements.	Claims are handled directly by Gjensidige; repair costs are settled with Gjensidige's network partners. If repairs are performed outside the partner network, Gjensidige reimburses based on a partner-equivalent rate per original invoice.	If pays the repair shop directly by issuing a guarantee letter up to the indemnity amount after the client accepts the work, or transfers the indemnity to the policyholder's bank account upon presentation of repair cost documents.
Last verified	May 14, 2026	May 14, 2026	May 14, 2026	May 14, 2026