Elama Kindlustus AS
Elama
Elama is a motor casco insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
After notifying a claim, the policyholder can choose a repair workshop from the insurer's partner network under the claims handler's guidance, with repair at an authorized dealership available as an option.
Geographic scope
Estonia and Europe (with exclusions)
Valid in Estonia and Europe, excluding Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus and Russia; the exact territory is specified on the policy.
Starting price
€20
Indicative — pricing assumptions not stated
Unique selling points
- Casco plans start from as little as 19.99 EUR per month.
- 24/7 roadside assistance is free for casco customers, while MTPL-only customers must pay extra for the same service.
- All claims are handled locally in Estonia without needing approval from a foreign head office, speeding up decisions.
- Motor own damage cover is offered as a flexible, customizable product with selectable additional coverage options.
- Elama is a locally owned Estonian insurer positioning itself as understanding the local market better than large international insurers.
Coverage limits
Own damage / sum insured basis
Covered
The insured object is the land vehicle listed on the policy in its original factory configuration plus post-factory accessories; the sum insured is the vehicle's market value in Estonia immediately before the insured event and is not reduced by prior claim payments.
Total loss / destruction of the vehicle
Covered
If the insured vehicle is destroyed, the indemnity limit stated on the policy caps the payable compensation; the benchmark value is the vehicle's market value in Estonia immediately before the event.
Partial damage to the vehicle
Covered
A sudden and unforeseen event that damages (without destroying) the insured vehicle is treated as an insured event and compensated up to the agreed indemnity limit, subject to the applicable deductible.
Theft and robbery
Covered
Loss of the insured vehicle (e.g. through theft) is an insured event; if the vehicle's keys are stolen or lost, the policyholder must immediately replace all locks or recode/replace anti-theft electronic devices.
Glass damage
Covered
The glass-damage deductible is stated on the policy, but no deductible is applied when the vehicle's glass is repaired (as opposed to replaced); a sunroof or glass roof always carries the base deductible.
Natural perils and animal collisions
Covered
Casco insurance compensates damage from natural disasters and collisions with an animal or bird; the deductible for an animal/bird collision is stated on the policy, while damage caused while avoiding a collision carries the base deductible.
Vandalism
Covered
Casco insurance protects the policyholder's own vehicle, compensating damage resulting from accidents, vandalism, natural disasters and similar events in accordance with the policy terms.
24/7 roadside assistance
Covered
Elama's roadside assistance is free of charge for casco customers and available 24/7 in Estonia and elsewhere, covering towing after an accident, breakdown assistance (flat battery, flat tyre, out of fuel, lost keys), transport to the desired destination, and recovery from snow, sand or mud.
Replacement vehicle
Optional
A replacement vehicle add-on can be purchased on top of the base cover for use during repairs; it is not provided when the insured vehicle is stolen, hijacked or robbed, nor for damage below the deductible, and is issued within a reasonable time by the insurer.
Vehicle occupant (driver/passenger) accident cover
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The terms and conditions reference a vehicle occupant accident cover, noting that no separate deductible is applied to it, alongside roadside assistance, replacement vehicle and key cover; the sources do not clarify whether it is included by default or must be selected.
Key conditions
Driver age and experience limit
The reviewed sources do not specify a minimum driver age or driving experience requirement for casco cover.
Repair network requirements
After notifying a claim, the policyholder can choose a repair workshop from the insurer's partner network under the claims handler's guidance, with repair at an authorized dealership available as a separate option.
Territorial scope
Cover applies within the territory specified on the policy, generally Estonia and Europe excluding Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus and Russia; the insurer is only obliged to indemnify events occurring within that territory.
Anti-theft requirements
Vehicle keys must not be kept inside the vehicle; if the keys are stolen, robbed or lost, the policyholder must immediately replace all locks and recode or replace the vehicle's electronic anti-theft devices, taking interim measures (e.g. keeping the vehicle in a locked garage or guarded area) until this is done.
Claim notification deadline
The policyholder must notify the insurer of an insured event as soon as possible, but no later than five working days after becoming aware of it, via the website, phone (+372 6 410 436) or email (kahjud@elama.ee).
Deductible rules
Different perils carry separate deductibles set on the policy (base, theft, glass, animal collision); glass repairs (except sunroof/glass roof) are exempt from the deductible, damage from a collision-avoidance manoeuvre with an animal carries the base deductible, damage from different events counts as separate claims each with its own deductible, and no separate deductible applies to roadside assistance, replacement vehicle, key cover or vehicle occupant accident cover.
Where to buy
Policy specifics
Technical breakdown coverage
Coverage for sudden and unforeseen failure of engine, cooling system, power transmission, brake and steering systems for vehicles up to 10 years old with mileage under 160,000 km
SourceRepair location flexibility
Policyholder can choose repair workshop from insurer's network after claim notification, with optional dealership repair coverage available
SourceVehicle age limits
Casco insurance covers land vehicles in their original factory condition; specific age limits may apply to certain coverage options
SourceVehicle use restrictions
Standard use coverage excludes short-term rental (up to 6 months), taxi, ride-sharing services, and driving school operations
Source