Akciné draudimo bendrové "Gjensidige" Eesti filiaal

Driver age and experience limit

No specific driver age or driving-experience limit is stated in the reviewed Gjensidige casco terms; eligibility and any related conditions are set out on the individual policy.

Repair network requirements

Gjensidige decides the form and amount of indemnity after a claim and can direct repairs to its cooperation partner network, reimbursing no more than what that partner would have charged for the same service.

Territorial scope

The insurance territory is specified on the policy and can be Estonia, the Baltic States, Europe, or Europe including further countries; Gjensidige also provides fast assistance in Estonian for accidents occurring abroad.

Anti-theft requirements

Depending on the agreed terms, the vehicle may need an alarm device and immobiliser to reduce insured risk; in a theft claim all keys and documents held by the policyholder must be handed over, and security bolt keys are required for alloy wheel or tyre theft claims.

Claim notification deadline

The policyholder must notify Gjensidige of an insured event promptly and follow the insurer's instructions; for traffic accidents involving a truck or trailer, tachograph data must be submitted without delay and no later than 5 working days after the accident.

Deductible rules

A main deductible (stated on the policy) applies to damage from external mechanical force, traffic accidents, natural disasters, fire or explosion, and either a fixed deductible or a percentage of market value applies on total destruction; under Täiskasko the deductible for any collision with an animal or bird is EUR 0, and no deductible applies to Autoabi24 service costs.

Animal collision coverage

Coverage for collisions with animals and birds; Gjensidade full casco covers this without deductible

24/7 roadside assistance (Autoabi24)

Free 24/7 emergency roadside assistance service included with casco coverage in Estonia and abroad

New value insurance

Coverage option for new vehicles that have not had any prior owners and are first registered in Estonia

Theft and robbery coverage

Coverage for vehicle theft, partial theft of vehicle parts, and robbery

Vehicle age limit

Casco coverage is available for vehicles up to 12 years old registered in Estonia

Vehicle registration requirement

Insured vehicle must be registered in the Estonian Motor Vehicle Registration Centre (Maanteeamet)

Alarm and immobiliser requirement

Vehicle may need to have alarm device and immobiliser installed to reduce insurance risk, depending on policy conditions

Deductible (omavastutus) structure

Main deductible applies to damage from external mechanical force, traffic accidents, natural disasters, fire or explosion; percentage deductible or main deductible applies to full destruction claims

Insurance territory

Coverage territory is specified in policy and can include Estonia, Baltic States, Europe, or Europe including specific countries

Claims notification requirement

Policyholder must notify Gjensidade of insurance event promptly and follow insurer's instructions; notification required within 3 working days in some cases

Form of indemnity

Gjensidade determines the form and amount of insurance indemnity after insured event; can be monetary payment, vehicle repair/replacement, or repair cost reimbursement

Vehicle photo requirement before cover starts

Casco coverage begins and the policy is issued only once Gjensidige has received compliant photos of the vehicle, which must be sent at least two working days before the contract's inception date.