If P&C Insurance AS
If
If is a motor casco insurance for the Estonia market with online purchase and 24/7 assistance.
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.
Geographic scope
Estonia
Coverage generally applies throughout Europe excluding Ukraine, Belarus and Russia; narrower (Estonia-only, Baltic states) or wider territorial options may be selected and are marked on the policy.
Unique selling points
- Zero deductible for wildlife collisions applies to every Superkasko package, unlike many competitors that limit this to top tiers.
- 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.
- The top-tier Superkasko Lux+ offers a market-widest cover guarantee: if a competitor offers protection this package lacks, If adds it free of charge.
- 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
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.
Total Loss
Covered
If the vehicle is destroyed or repair is unreasonable, If compensates based on the vehicle's market value in Estonia immediately before the event; electric vehicles receive a 15% uplift on this value under the EV casco variant.
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.
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.
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.
Natural Perils (Storm, Hail, Lightning)
Covered
Damage caused by storm, hail or lightning is covered; If currently applies a 0 EUR deductible for such damage as a promotional offer on car and van contracts concluded on the If website between 1 July and 31 August 2026.
Vandalism
Covered
Covers intentional damage to the vehicle caused by third parties (vandalism), subject to the selected base deductible.
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.
Replacement Vehicle / Daily Allowance
€30 – €60
Only in Superkasko Extra, Superkasko Lux, Superkasko Lux+
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.
Driver/Passenger Accident Cover
No limit stated
No driver or passenger personal-accident benefit under the casco product was found in the reviewed sources; If sells a separate standalone accident insurance product (Õnnetusjuhtumikindlustus).
Key conditions
Driver age and experience limit
No specific minimum driver age or experience limit for car/van casco was found in the reviewed sources; eligibility criteria mainly concern the vehicle (age, usage), not the driver.
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.
Territorial scope
Coverage territory is marked on the policy and is selectable: Estonia only, Baltic states, or all of Europe excluding Ukraine, Belarus and Russia; premium may vary depending on the chosen territory.
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 (currently, as a promotion) storm/hail/lightning damage; repairs carried out outside Estonia, Latvia, Lithuania or Poland trigger a doubled base deductible.
Policy specifics
Glass Insurance
Coverage for windscreen, side windows, and rear window damage with reduced or zero deductible depending on repair vs replacement
SourceReplacement Vehicle Coverage
Provision for rental car costs or daily compensation if insured vehicle is stolen, destroyed, or undergoing repairs exceeding 24 hours
SourceSource no longer reachableVehicle Key Theft Coverage
Coverage for insurable event involving theft of vehicle keys or remote control devices including break-in
SourceSource no longer reachableRepair Network Condition
Vehicle repair principles and approved partner network for damage assessment and repair settlement
SourceSource no longer reachableInsurable Object Restrictions
Not covered: vehicles on rails, cable-driven vehicles, or specific machinery; vehicle must be in standard use condition
SourceSource no longer reachableTerritorial Coverage Scope
Coverage extends throughout Europe excluding Ukraine, Belarus, and Russia; optional coverage for Estonia only, Baltic states, or extended territories
SourceSource no longer reachableDeductible Variation by Territory
Deductible amount increases for damage occurring outside Estonia, Baltic states, or extended European zones; typically doubled for repairs outside Estonia
SourceSource no longer reachable