Elama Casco (own-damage car insurance) (Casco Standard)

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.

Motor own damage cover is offered as a flexible, customizable product with selectable additional coverage options.

Motor own damage cover is offered as a flexible, customizable product with selectable additional coverage options.

Driver age and experience limit

No minimum driver age or driving experience is set for casco cover; damage is not covered if the driver had no legal right to drive the vehicle.

Section: Kaskokindlustuse tingimused Kehtivad alates 01.11.2024 > 3. Välistused

3.20. kahju, kui sõidukit juhtinud isikul puudus juhtimisõigus või ta oli liiklusõnnetuse toimumise ajal alkoholijoobes, uimastite või psühhotroopse aine mõju all;

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.

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 ([email protected]).

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. From the third claim-free year the deductible is reduced by 50%; more than two claims in one policy period double the deductible unless the damage was caused by a third party.

Section: Hea teada > Kuidas kujuneb omavastutus?

Kolmandast kahjudeta aastast väheneb omavastutus 50%. Rohkem kui kaks kahjujuhtumit ühe perioodi jooksul toovad kaasa kahekordse omavastutuse, välja arvatud juhul, kui kahju põhjustas kolmas isik.

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.