Extracted from source documents

If Casco (own-damage car insurance) (Superkasko)

Underwritten by If P&C Insurance AS · Estonia

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

Last verified Aug 28, 2026Sources

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Key facts

Unique selling points

Zero deductible for wildlife collisions applies to every Superkasko package.

Free 24/7 roadside assistance (Autoabi) is included as standard in all casco packages, with no extra charge for breakdown callouts.

Glass chip repairs are covered with a 0 EUR deductible across the whole product line, encouraging quick, low-cost fixes before cracks spread.

Instalment payment plans carry no extra fees, so paying casco premiums monthly costs the same as paying for the full period at once.

Coverage limits

Covered

Own Damage (Comprehensive/Collision)

Covered

Covers repair of the insured vehicle after an accident or, if repair is not reasonable, replacement with an equivalent vehicle; included in all Superkasko packages, up to the vehicle's insured value.

Section: Mis on kaskokindlustus ja millal on kaskost abi?

Näiteks saab kasko abil lasta õnnetuse järel oma sõiduk remontida või kui remont pole mõistlik, soetada uue samaväärse auto.

Covered

Total Loss

Covered

If the vehicle is destroyed or repair is unreasonable, If compensates the vehicle's market value immediately before the event. Superkasko Lux and Lux+ add 15% of market value on total loss, theft or robbery; fully electric cars get the 15% extra on theft, robbery or destruction in every package.

Section: Kaskokindlustuse kaitsed > 15% lisahüvitis täishävingu korral

Kui sõiduk on varastatud või röövitud või selle taastamine ei ole mõistlik, maksame täiendavat hüvitist, mille suuruseks on 15% sõiduki turuväärtusest vahetult enne kindlustusjuhtumit.

Covered

Partial Loss / Repair Costs

Covered

Covers repair costs when the vehicle is damaged but not destroyed, e.g. collision with a fixed obstacle such as a garage door or fence.

Section: Mis on kaskokindlustus ja millal on kaskost abi?

Näiteks kui sõidad vastu garaažiust või piiret ja kahjustad nii oma autot, aitab kindlustus remondikulusid katta.

Covered

Theft and Robbery

Covered

Covers the vehicle if it is stolen; deductible is the policyholder's selected base deductible (200/300/400 EUR) and applies equally to theft events.

Section: Kaskokindlustuse kaitsed > Koguriskikindlustus

Vargus — hüvitame sõiduki või selle osade varguse või röövimise.

Covered

Glass Damage

Covered

Windscreen and window chip repair is covered with a 0 EUR deductible in every package; if the chip exceeds 2 cm the glass is replaced instead of repaired, and replacement deductible follows the policy's terms.

Section: #1 Klaasikindlustus – ehk täkked klaasis

Kui klaasikahjustus on suurem kui 2cm, siis klaas parandamise asemel vahetatakse.

Covered

Natural Perils (Storm, Hail, Lightning)

Covered

Damage caused by storm, hail, flood or lightning is covered under the accident peril, subject to the selected base deductible; for fully electric cars, damage caused by hail, wind or flood carries a 0 EUR deductible.

Section: Kaskokindlustuse kaitsed > Elektriautode kindlustus

Kui elektriauto hävineb või saab kahjustada rahe, tuule, tuule murtud või õhku tõstetud esemete või üleujutuse tagajärjel, hüvitame kahju – ja omavastutus on 0 €.

Covered

Vandalism

Covered

Covers intentional damage to the vehicle caused by third parties (vandalism), subject to the selected base deductible.

Section: Kaskokindlustuse kaitsed > Koguriskikindlustus

Vandalism — hüvitame kahju, mille on sõidukile tahtlikult tekitanud kõrvalised isikud.

Covered

Roadside Assistance (Autoabi)

Covered

Free 24/7 roadside assistance is included in every Superkasko package, covering breakdown help and towing to a suitable destination in Estonia and, outside Estonia, to an approved workshop in the country of the incident (excluding Russia, Belarus and Ukraine); fuel, spare parts and consumables are not covered.

Section: If Kindlustuse 24/7 autoabi > Autoabi tuleb appi

Pukseerime rikkega sõiduki Sinu soovitud sihtkohta Eesti piires ning transpordime autojuhi koos kuni 10 kaassõitjaga ühte soovitud sihtkohta Mandri-Eesti piires.

Conditional

Replacement Vehicle / Daily Allowance

€30 – €60

Available from the Superkasko Extra tier upward: policyholder can get a replacement car from If's partner during repair, or choose a cash daily allowance instead (30 EUR/day, or 60 EUR/day with Superkasko Lux+) for up to 7 days; rental car cost is covered from the 3rd day after the event until repair completion, up to a maximum of 60 days. Not included in the base Superkasko package.

Section: Asendusauto Sinu sõidu- või pakiautole remondi ajaks

Asendusauto rendikulu hüvitatakse alates 3. kindlustusjuhtumile järgnevast päevast kuni Su auto remondi lõpuni (maksimaalselt 60 päeva).

Conditional

Driver/Passenger Accident Cover

€20K

Included in Superkasko Extra, Lux and Lux+ (not in base Superkasko): a lump sum up to EUR 20,000 if the driver or a passenger suffers permanent injury or dies in a traffic accident, plus a daily allowance if they are on sick leave for at least 7 days.

Section: Kaskokindlustuse kaitsed > Sõidukijuhi ja kaasreisijate õnnetusjuhtum 20 000 €

Kui liiklusõnnetuse tagajärjel saab juht või kaasreisija püsiva tervisekahjustuse või sureb, maksame ühekordse hüvitise. Kui õnnetuse tagajärjel peab inimene olema haiguslehel vähemalt 7 päeva, maksame päevaraha.

Key conditions

Driver age and experience limit

No minimum driver age or driving experience is set for car/van casco; eligibility depends on the vehicle, which must be no more than 25 years old and in normal use.

Source

Section: Millisele autole saab kaskokindlustuse teha?

Kaskoga saad kindlustada kuni 25-aasta vanuse sõiduauto, pakiauto, veoauto, veduki, haagise, mootorratta, bussi või traktori.

Repair network requirements

Repairs are carried out following If's vehicle restoration principles at approved partner workshops; If prefers quality, durable and environmentally sustainable repair of damaged parts over replacement, and may use B-category or used original parts for older vehicles.

Anti-theft requirements

Vehicles insured against theft and robbery are generally required to have an alarm/immobiliser system that engages independently of the driver's will, and If may require additional security equipment before concluding or amending the contract.

Claim notification deadline

The policyholder must notify If of a loss event without delay, and depending on the circumstances must also promptly notify the police or rescue services.

Deductible rules

The policyholder selects a base deductible of 200, 300 or 400 EUR, which lowers the premium as it increases; a 0 EUR deductible applies to glass chip repair, wildlife collisions, and, for fully electric cars, hail/wind/flood damage; repairs carried out outside Estonia, Latvia, Lithuania or Poland trigger a doubled base deductible.

Source

Section: Kaskokindlustuse kaitsed > Elektriautode kindlustus

Kui elektriauto hävineb või saab kahjustada rahe, tuule, tuule murtud või õhku tõstetud esemete või üleujutuse tagajärjel, hüvitame kahju – ja omavastutus on 0 €.

Direct payment

If works with an approved repair partner network and settles vehicle repairs through these partners; repair costs are generally handled directly with the workshop rather than requiring the client to pay upfront.

Territorial scope

Coverage territory is marked on the policy and is one of three options: Estonia; Europe excluding Ukraine, Belarus and Russia; or all of Europe including Ukraine, Belarus and European Russia.

Documents

Vehicle Insurance Conditions TK-20231 (opens in a new tab)

Terms & conditions · PDF

Vehicle Insurance Information Document 2025/01 (opens in a new tab)

Product information sheet · PDF

General Insurance Conditions TG-20261 (opens in a new tab)

Terms & conditions · PDF

Principles of Vehicle Restoration Repair at If's Partners 2025/01 (opens in a new tab)

Policy specifics

Glass Insurance

Coverage for windscreen, side windows, and rear window damage with reduced or zero deductible depending on repair vs replacement

Source

Section: Kaskokindlustuse kaitsed > Klaasikahjud, klaasitäkked

Hüvitame esi- ja salongiklaasi parandamise meie partnerite juures ilma omavastutuseta. Klaas parandatakse tingimusel, et kahjustuse läbimõõt on väiksem kui 2 cm, see ei asu juhi poolel ja parandamisel ei kahjustata klaasi soojendust.

Replacement Vehicle Coverage

Provision for a replacement car from If's partner while the insured vehicle is being repaired after a covered event (up to 60 days), or a daily cash allowance instead (30 EUR/day, 60 EUR/day with Superkasko Lux+) for up to 7 days; available in Superkasko Extra, Lux and Lux+.

Source

Section: Kaskokindlustuse kaitsed > Asendusauto või päevaraha

Asendusauto saad meie koostööpartneri juurest kuni 60 päevaks. […] Asendusauto asemel võid taotleda ka rahalist hüvitist ehk päevaraha (30 €/päev, Lux+ paketiga 60€/päev) kuni 7 päeva eest.

Vehicle Key Theft Coverage

Coverage for insurable event involving theft of vehicle keys or remote control devices including break-in

SourceClause 19Page 4

Section: Kindlustusjuhtumid > Vargus, röövimine

Kindlustusjuhtumiks on kindlustusobjekti võtmete või pultide röövimine, samuti vargus hoonesse sissemurdmise teel.

Repair Network Condition

Vehicle repair principles and approved partner network for damage assessment and repair settlement

SourcePage 1

Section: Sõidukite taastusremondi põhimõtted Ifi koostööpartnerite juures

Sõiduki vigastuste hindamisel ja remontimisel lähtuvad partnerid tootjatehase nõuetest, olemasolevatest remonditehnoloogiatest ja enda remondivõimekusest teostada töö oskuslikult ja kvaliteetselt sõiduki avariieelsesse seisukorda viimiseks ja teostatud töödele garantii andmiseks. […] Ifi partnerid rakendavad remondimeetodeid, mis vastavad tehnilistele, kvaliteedi- ja keskkonnanõuetele. […] Vastavalt vigastuste iseloomule ja olukorrale hindab koostööpartner konkreetset juhtumit ja kahjustatud detaili taastamise võimalust ning eelistab kestlikku lähenemist järgmiselt.

Insurable Object Restrictions

Not covered: vehicles on rails, cable-driven vehicles, or specific machinery; vehicle must be in standard use condition

SourceSource no longer reachable

Territorial Coverage Scope

Coverage territory is marked on the policy and is one of three options: Estonia; Europe excluding Ukraine, Belarus and Russia; or all of Europe including Ukraine, Belarus and European Russia.

SourceClause 8Page 3

Section: Kindlustuse kehtivuspiirkond

8.1. Eesti; […] 8.2. Euroopa, välja arvatud Ukraina, Valgevene, Venemaa; […] 8.3. kogu Euroopa, sealhulgas Ukraina, Valgevene, Venemaa Euroopa-osa.

Deductible Variation by Territory

Deductible amount increases for damage occurring outside Estonia, Baltic states, or extended European zones; typically doubled for repairs outside Estonia

SourceClause 228Page 15

Section: Omavastutus > Omavastutus välismaal (va Eestis, Lätis, Leedus või Poolas) toimunud remondi korral

Kui sõiduauto või pakiauto kindlustusjuhtumist tingitud remont toimus väljaspool Eestit, Lätit, Leedut või Poolat, rakendab If sõiduki remondikulude hüvitamisel kahekordset põhiomavastutust.

Sources

If Casco (own-damage car insurance)

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