Gjensidige
Gjensidige is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
EE
Europe (exact territory stated on policy; repairs outside Estonia may attract higher deductible)
Unique selling points
- 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.
Coverage limits
Own Damage (Accident)
Covered
Covers damage to the insured vehicle caused by a traffic accident, including when the policyholder is at fault, collision with an animal or bird, or when the perpetrator cannot be identified. Indemnity is up to the insured sum stated on the policy.
Total Loss
Covered
In the event of total destruction of the vehicle (where full restoration is not financially or technically justified), Gjensidige pays the insured sum less the applicable deductible. For the full vehicle insurance option, the main deductible for total loss due to an insured event is waived in certain cases. Insured sum does not decrease with paid indemnities.
Partial Loss
Covered
Covers partial damage to the insured vehicle resulting from a sudden and unforeseen external mechanical force, traffic accident, natural disaster, fire or explosion. Indemnity covers necessary repair costs up to the insured sum.
Theft and Robbery
Covered
Covers costs arising from the theft, robbery of the vehicle or attempts thereof. Also covers costs for replacing lost keys, re-coding remaining keys and anti-theft devices.
Glass Damage
Covered
Covers damage to the vehicle's front, rear and side glass (windscreen, windows). No deductible applies for glass replacement or repair. If the glass can be repaired to satisfy technical inspection requirements, it is repaired without applying a deductible. Roof hatches, glass roofs, mirrors and vehicle lights are not classified as glass and are subject to the standard deductible.
Natural Perils
Covered
Covers damage caused by natural disasters (storm, flood, hail, falling trees, etc.) and fire or explosion. Indemnity is up to the insured sum stated on the policy.
Vandalism
Covered
Covers damage to the insured vehicle caused by wilful third-party acts (vandalism). Indemnity is up to the insured sum stated on the policy.
24/7 Roadside Assistance (Autoabi24)
Covered
Free 24/7 roadside assistance via Autoabi24 including jump-start, fuel delivery, towing, passenger and key transport, and on-site repairs. Costs reimbursed up to €300 in Estonia and up to €800 abroad. No deductible applies to the Autoabi24 service. Assistance abroad is available in Estonian.
Replacement Vehicle
Optional
A replacement vehicle add-on is available as an optional extra. Exact daily limits and duration are not disclosed on the public product page; see policy terms for details.
Driver Accident Insurance
Optional
Passenger accident insurance is included, covering permanent disability or death of passengers. Driver accident insurance coverage limits are defined on the policy; specific sums are not publicly disclosed.
Key conditions
driver_age_experience_limit
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).
repair_network_requirements
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.
territorial_scope
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.
anti_theft_requirements
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.
claim_notification_deadline
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.
deductible_rules
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.
Policy specifics
Daily Allowance Coverage
Daily allowance paid for days when vehicle is not usable
Passenger Accident Insurance
Compensation for passengers if accident results in permanent disability or death
Leasing Value Protection
Compensation up to €35,000 for leased vehicle value
Maximum Vehicle Age
Coverage available for vehicles up to 12 years old
Own-Fault Accident Coverage
Covers damage when policyholder caused accident
Unknown Culprit Coverage
Coverage applies when accident perpetrator cannot be identified