Extracted from source documents

Gjensidige Casco (own-damage car insurance) (Kaskokindlustus)

Underwritten by Gjensidige · Estonia

casco (own-damage car insurance) from Gjensidige for the Estonia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2021-02-09Sources

Online purchase24/7 helpline

Unique selling points

Zero deductible for any collision with an animal or bird under the full casco (Täiskasko) tier.

Free 24/7 Autoabi24 roadside assistance (jump-start, fuel delivery, towing, key/passenger transport) with no deductible, reimbursed up to EUR 300 in Estonia and EUR 800 abroad.

Fast claims help in Estonian even for accidents that happen abroad.

Casco pays out even when the party at fault for the accident cannot be identified.

Optional Kasutuskatkestus add-on pays a daily cash allowance usable for taxis, e-scooters or a rental car while the vehicle is being repaired.

Coverage limits

Covered

Own vehicle damage

Covered

Casco covers frequent types of damage to the insured vehicle, from glass damage up to theft or destruction, and pays out even if the policyholder caused the accident, up to the sum insured stated on the policy.

Covered

Total loss / destruction

Covered

Gjensidige compensates direct property damage and other justified costs stated in the insurance contract; the sum insured does not decrease by amounts already paid out, and indemnity is reduced by any applicable deductible and contractual reductions.

Clause 11.1Page 7/12

Section: 11. Kahju hüvitamine > 11.1. Üldised põhimõtted

Gjensidige hüvitab otsese varakahju ning muud kindlustuslepingus sätestatud ja põhjendatud kulud. Hüvitamisel arvab Gjensidige maha omavastutuse ning võimalikud kindlustuslepingujärgsed hüvitisvähendused.

Covered

Partial damage / repair costs

Covered

Repair costs for damage caused by sudden and unforeseen external mechanical force, traffic accidents, natural disasters, fire or explosion are compensated under the base (Osakasko) peril set, inherited by the full (Täiskasko) package.

Clause 3.1.1Page 3/12

Section: 3. Kindlustusjuhtum > 3.1. Osakasko

äkilise ja ettenägematu sõidukivälise mehhaanilise jõu või liiklusõnnetuse tagajärjel tekkinud kahju (sh loomale ja linnule otsasõit); loodusõnnetusest tekkinud kahju; tulekahjust (sh ka suitsust, tahmast ja kustutustöödest) tekkinud kahju; plahvatusest tekkinud kahju

Conditional

Theft and robbery

Conditional

Theft, robbery and attempted theft/robbery of the vehicle or its parts are covered only under the full casco (Täiskasko) tier; the base Osakasko tier does not include these perils. Keys and documents in the policyholder's possession must be submitted, and security bolt keys are required for alloy wheel/tyre theft claims.

Page 3

Section: HÜVITAVAD RISKID VÕI KAHJUD (JUHTUMID), KUI ON VÄLJA TOODUD > Gjensidige Sõidukikindlustus SK101-2016

Täiskasko Gjensidige hüvitab: eelmises punktis kirjeldatud kahju; röövimisest või röövimise katsest tekkinud kahju; sõiduki või selle osade vargusest või varguse katsest tekkinud kahju eeldusel, et sõidukil olid nimetatud sündmuse toimumise ajal aknad/uksed/luugid suletud ja lukustatud ning oli rakendunud Gjensidige poolt aktsepteeritud, töökorras vargusevastane seade; sõiduki võtme kaotamise või varguse korral kaotatud/ varastatud võtme sulgemise ja allesjäänud võtmete/alarmi ümberkodeerimise kulud

Covered

Glass damage

Covered

Damage to cabin glass (windows, windshield) is covered, including replacement of film applied to the glass, under both the Osakasko and Täiskasko tiers.

Covered

Natural perils

Covered

Damage caused by natural disasters such as hail and flooding is compensated under both casco tiers.

Covered

Vandalism

Covered

Damage intentionally caused to the vehicle by third parties (vandalism) is compensated under both casco tiers.

Covered

24/7 roadside assistance (Autoabi24)

€300 – €800

Free 24/7 Autoabi24 assistance (jump-start, fuel, towing, transport of passengers and keys, on-site repairs) is included with casco; Gjensidige reimburses Autoabi24 service costs up to EUR 300 in Estonia and up to EUR 800 abroad, and applies no deductible to this service.

Optional

Loss of use / daily allowance (Kasutuskatkestus)

Optional

Kasutuskatkestus is an optional add-on to either the Osakasko or Täiskasko package, paying a per-diem cash allowance (amount stated on the policy) for days the vehicle cannot be used, which can be spent on taxi rides, e-scooter or rental-car costs; it does not provide an actual replacement vehicle.

Optional

Passenger/driver accident insurance

Optional

Accident insurance for the driver and passengers travelling in the vehicle is offered as a paid add-on to either casco package; the indemnity limit per passenger is stated on the policy, and permanent disability is compensated as a percentage of that limit.

Clause 13.3Page 8/12

Section: 13. Sõidukis viibiva reisija õnnetusjuhtumikindlustus

Ühe reisija hüvitispiir on märgitud poliisil.

Key conditions

Driver age and experience limit

The casco terms set no general minimum driver age or driving experience; any such condition is stated 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.

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.

Direct payment

Gjensidige determines the form and amount of the indemnity after a claim; it may pay in cash, repair or replace the vehicle, or reimburse repair costs, and often channels repairs through its cooperation partner network, reimbursing no more than what that partner would charge.

Territorial scope

Coverage territory is specified on the policy and can be Estonia, Latvia, Lithuania, Norway, Sweden, Denmark, Finland; Europe; or Europe plus additional countries such as Ukraine, Russia and Belarus.

Documents

Vehicle insurance terms SK101-2016 (superseded; applied to contracts concluded 01.11.2016–24.05.2018) (opens in a new tab)

Terms & conditions · PDF

Terms and conditions repository (lists current SK101-2021 edition, effective from 09.02.2021) (opens in a new tab)

Other document · PDF

Casco product page (opens in a new tab)

Other document · PDF

Policy specifics

Animal collision coverage

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

SourceClause 3.1.1Page 3/13

Section: 3. Insurance cover and insured events > 3.1. Partial vehicle insurance

damage (incl. collision with an animal or a bird) incurred as a result of a sudden and unforeseen extra-vehicle mechanical force or traffic accident; […] In case of the full vehicle insurance option, Gjensidige shall not apply the main deductible for damages incurred due to a collision with an animal or a bird.

24/7 roadside assistance (Autoabi24)

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

SourceClause 3.1.8Page 4/13

Section: 3. Insurance cover and insured events > 3.1. Partial vehicle insurance

3.1.8. Autoabi24 – 24/7 first aid for passenger vehicles, small vans and motorcycles (categories M1, M1G, N1, N1G, L3, L4, L5) in the event of sudden and unforeseeable technical issues. […] The service is offered in the insurance territory specified in the policy, excl. CIS territories and Ukraine. […] Works provided in the Autoabi24 service list are free of charge for the policyholder up to the aforementioned amounts.

New value insurance

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

SourceClause 3.2.5Page 4/13

Section: 3. Insurance cover and insured events > 3.2. Full vehicle insurance

the new value of the Vehicle (new value insurance) – Gjensidige shall compensate the damage incurred as a result of an insured event to the extent of the first-hand selling price of the Vehicle

Theft and robbery coverage

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

SourceClause 3.2.2Page 4/12

Section: 3. Kindlustusjuhtum > 3.2. Täiskasko

röövimisest või röövimise katsest tekkinud kahju; sõiduki või selle osade vargusest või varguse katsest tekkinud kahju eeldusel, et sõidukil olid nimetatud sündmuse toimumise ajal aknad/uksed/luugid suletud ja lukustatud

Vehicle age limit

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

Source

Vehicle registration requirement

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

SourceClause 1.1Page 3/12

Section: 1. Kindlustatud ese

Kindlustatud esemeks on Eesti riiklikus liiklusregistris registreeritud maismaasõiduk (edaspidi sõiduk) tootjatehase komplektsuses

Alarm and immobiliser requirement

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

SourceClause 2.1Page 3/12

Section: 2. Kindlustusriski võimalikkuse suurenemine

Vargusevastane seade on alarmseade, turvapoldid valuvelgedel või muu täiendav vargust takistav seade, mis peab olema sõidukile paigaldatud enne kindlustuslepingu sõlmimist, kui Gjensidige on seda nõudnud kindlustusriski vähendamiseks.

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

SourceClause 6.2.1Page 6/13

Section: 6. Deductible

Main deductible shall apply to the damage incurred as a result of a sudden and unforeseen extra-vehicle mechanical force, traffic accident, natural disaster, fire or explosion.

Insurance territory

Coverage territory is specified in the policy and can include Estonia, Latvia, Lithuania, Norway, Sweden, Denmark, Finland, Europe, or Europe including additional countries.

SourceClause 7.1Page 7/13

Section: 7. Insurance territory

Insurance contract shall include the insurance territory, where the insurance contract is valid. Insurance territory may be: […] 7.1.1. Estonia, Latvia, Lithuania, Norway, Sweden, Denmark, Finland; […] 7.1.2. geographical area of Europe (excl. CIS countries + Ukraine);

Claims notification requirement

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

SourceClause 10.3.1Page 7/12

Section: 10. Kindlustuslepingu poolte kohustused > 10.3. Kindlustusjuhtumi toimumisel on kindlustusvõtja kohustatud

teatama esimesel võimalusel, kuid mitte hiljem kui 3 tööpäeva jooksul, Gjensidigele või tema esindajale kindlustusjuhtumist, tehes seda isiklikult või esindaja kaudu kirjalikult

Form of indemnity

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

SourceClause 11.2.1Page 7/12

Section: 11. Kahju hüvitamine > 11.2. Hüvitamine sõiduki või selle osa taastamise korral

Sõiduki või selle osa taastamiskulude hüvitamise korral on Gjensidigel õigus määrata taastamise koht või ise korraldada ja tellida taastamine.

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.

Source

Sources

Gjensidige Casco (own-damage car insurance)

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