If
If is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
If pays the repair shop directly by issuing a guarantee letter up to the indemnity amount after the client accepts the work, or transfers the indemnity to the policyholder's bank account upon presentation of repair cost documents.
Geographic scope
EE
Europe excluding Ukraine, Belarus, Russia (options: Estonia only; Europe excl. UA/BY/RU; all Europe incl. UA/BY/RU European part)
Unique selling points
- Zero deductible applies to wildlife collisions, windscreen chip repairs, side mirror damage, and stolen key re-coding — common claim types where most insurers charge the full deductible.
- Comprehensive built-in electric vehicle benefits: EV charging cable and device covered up to €2,000 with €0 deductible, battery-discharge roadside assistance, and a 15% market-value top-up on total loss — all included automatically for fully electric M1/N1 vehicles.
- New-value insurance (uusväärtuskindlustus) pays the original purchase price on total loss for vehicles up to 24 months old (cars/vans) or 12 months old (trucks/buses) with under 40,000 km, eliminating depreciation risk on new vehicles.
- No surcharge for instalment payments — the full annual premium is the same whether paid monthly or in one amount, unlike most competitors who add a financing fee.
- SUPERKASKO LUX+ tier delivers accelerated claims decisions (10 working days, 30 for theft), doubled cash transport allowance (€60/day), and €0 deductible for all hail, storm, and flood damage.
Coverage limits
Accident / Own damage
Covered
Covers sudden and unforeseen damage or destruction of the insured vehicle, including traffic accidents, natural disasters, damage to vehicle parts, and intentional damage by third parties unrelated to the policyholder. Gross negligence on public roads is also covered subject to potential reduction.
Total loss
Covered
If a vehicle is stolen, robbed, or repair costs exceed 70% of the vehicle's market value immediately before the insured event, the vehicle is considered a total loss and If pays the market value in Estonia at that time. An optional additional 15% top-up benefit (Täieliku kahju lisahüvitis) is available.
Partial loss / Repair
Covered
Where restoration is reasonable (repair cost does not exceed 70% of market value), If compensates the cost of restoring the vehicle to its pre-loss condition. If prioritises repair over part replacement; age-appropriate spare parts pricing applies. Compensation does not reduce the insured sum.
Theft and robbery
Covered
Covers theft or robbery of the insured vehicle or its parts, including damage or destruction during or in attempt of theft/robbery. Theft of keys/remote controls by break-in is also covered. Compensation is the market value of the vehicle in Estonia immediately before the insured event. Recoding/replacement of stolen keys is covered without deductible; lost/destroyed key replacement covered up to €300 without deductible.
Glass damage (Klaasikindlustus)
Covered
Glass insurance covers the windscreen or all interior glass (incl. panoramic roof and sunroof) depending on the option chosen. Repair of a chip/crack smaller than 2 cm in diameter, not on the driver's side, and without damaging the heating element, is free with no deductible. Replacement applies otherwise, with deductible as noted on the policy (can be €0). Must be performed at an If-approved glass partner to avoid the standard deductible. Repair due to an insured event always has €0 deductible even without a glass-insurance endorsement.
Natural perils / Natural disaster
Covered
Natural disasters are covered under the accident (õnnetusjuhtum) or comprehensive risk (koguriskikindlustus) event types as sudden and unforeseen events. For electric vehicles and under SUPERKASKO LUX+, damage caused by hail, wind, wind-blown or wind-lifted objects, or flooding carries a €0 deductible. Fire is covered as a separate insured event.
Vandalism / Third-party intentional damage
Covered
Intentional damage by a third party unrelated to the policyholder is covered as an insured accident event (õnnetusjuhtum), including vandalism and arson by unrelated parties. Not covered if perpetrated by the policyholder, the insured, or persons associated with the policyholder.
Roadside assistance (Autoabi)
Covered
24/7 roadside assistance included when marked on the policy. In Estonia covers: phone advice, accident document assistance, on-site technical repairs (flat battery, puncture, wrong fuel, lost keys), towing to any destination in Estonia (once per claim), transport of driver and up to 10 passengers to one destination in mainland Estonia, vehicle recovery from snow/sand/mud. Outside Estonia (within coverage territory, excl. Russia/Ukraine/Belarus): phone advice, on-site technical fixes, towing to an If-approved workshop in the same country (once per claim). No deductible applies. For EVs, battery discharge roadside assistance provided twice per policy period.
Replacement vehicle (Asendusauto kindlustus)
Optional
Applies to passenger cars and vans when marked on the policy. Covers rental of a replacement vehicle (equivalent to Mazda 6 / Toyota Avensis / Ford Mondeo / Honda Accord class) from an If-approved provider. Compensation starts from the 3rd day after the insured event. For theft/robbery/total loss: max 7 days per claim. For repair: max 60 days per claim. Maximum 2 claims per policy period. Alternatively, a cash daily allowance of €30/day (€60/day under SUPERKASKO LUX+) may be claimed up to 7 days per claim. €0 deductible. Not applicable for glass claims.
Driver and/or passenger accident insurance
Optional
Optional add-on covering the lawful driver and/or passengers of the insured vehicle in the event of a road accident (collision, rollover, run-off-road) resulting in temporary incapacity, permanent disability, or death. Insured sum is stated on the policy (minimum €10,000). No deductible. Daily allowance: €10/day up to 365 days for incapacity. Permanent disability benefit: 25%, 50%, or 100% of sum insured based on severity assessed 1 year post-accident. Death benefit: full insured sum (less any disability payments for same accident). Not applicable to trailers.
Key conditions
driver_age_experience_limit
No specific driver age or experience minimum is stated in the TK-20231 terms. However, the vehicle must be driven only by a person holding the applicable driving licence category and valid driving permit (p 203). If may require additional safety devices depending on the vehicle and risk profile.
repair_network_requirements
If prioritises repairing damaged parts over replacement and uses age-appropriate spare parts (B-category or reconditioned original parts for older vehicles). The optional 'Remont margiesinduses' cover requires that indemnity is calculated based on repair costs at the manufacturer-authorised dealer (brand workshop) in Estonia even after warranty expiry; for vehicles up to 5 years old, new original spare parts are used provided replacement is not technically/economically reasonable. Repairs outside Estonia, Latvia, Lithuania, or Poland trigger a double base deductible for passenger cars and vans.
territorial_scope
Coverage is valid in the territory noted on the policy: (1) Estonia only; (2) Europe excluding Ukraine, Belarus, Russia; or (3) all of Europe including the European part of Russia. Roadside assistance (Autoabi) does not apply in Russia, Ukraine, or Belarus regardless of selected territory. Repairs outside Estonia, Latvia, Lithuania, or Poland trigger double base deductible for passenger cars/vans. Repairs outside the EEA may double the base deductible.
anti_theft_requirements
Passenger cars and vans insured against theft and robbery must have an independently activated immobiliser installed before policy conclusion (p 158). Motorcycles must have an alarm or independently activated immobiliser (p 162). For trucks/tractors with Estonia-only coverage and market value below €32,000, an immobiliser or alarm is not mandatory (p 160); otherwise required (p 161). If may also require additional security devices (p 159).
claim_notification_deadline
The policyholder must report the insured event without delay: traffic accidents to police (where legally required), vandalism/arson/theft/robbery immediately to police with a request to initiate proceedings, fire/explosion to the rescue service, wildlife collisions per applicable law (p 208). The damaged vehicle must be presented to If for inspection in its post-loss condition and preserved for a set period for re-inspection (p 211). For theft/robbery, all keys and remotes must be submitted (p 213). Photo documentation of the vehicle may be requested within 3 working days of policy conclusion (p 7).
deductible_rules
The base deductible (põhiomavastutus) is stated on the policy and selectable as €200, €300, or €400. A separate theft/robbery deductible applies (policy-stated, may be a % of market value). A glass insurance deductible applies to glass replacement (can be €0). Zero deductible applies to: wildlife/animal collision (p 223), windscreen/glass repair (p 22), side mirror damage (p 28), EV charging cable (p 41.2), EV damage from hail/wind/flood (p 41.4), roadside assistance (p 226), replacement vehicle (p 62), travel disruption abroad (p 84), luggage in locked vehicle (p 96), key re-coding after robbery/break-in (p 225). Double base deductible: repairs outside Estonia/Latvia/Lithuania/Poland (p 228), 3rd+ claims in same policy period (p 229), no vehicle photos submitted within 3 days (tripled deductible) (p 7). SUPERKASKO LUX+: €0 deductible for hail/wind/flood damage (p 157).
Where to buy
Policy specifics
Replacement vehicle coverage
Coverage for replacement vehicle rental costs during repair period, varies by package selection (e.g., Superkasko Lux packages include this)
Electric vehicle charging cable and battery coverage
Specific coverage for electric vehicles including charging cable/equipment damage or theft up to €2,000, and battery discharge roadside assistance
Glass damage coverage
Covers windscreen and side/back window glass damage; repair is free at partner repair shops with no deductible if damage meets repair criteria
24/7 roadside assistance (Autoabi)
Optional roadside assistance add-on service, covering technical failures, towing, fuel delivery, and vehicle transport when marked on the policy
Zero deductible coverage for specific events
Coverage without deductible for wildlife/animal collision, window glass repair (if eligible), side mirror damage, stolen stored tires, and lost vehicle keys
Vehicle restoration repair network policy
If prioritizes restoring damaged parts over replacement and uses B-category spare parts or reconditioned original parts for older vehicles
Vehicle photo documentation requirement
If may request photos of the insured vehicle taken according to provided guidelines within 3 working days after policy conclusion
Immobiliser installation requirement for theft/robbery coverage
Passenger cars and vans insured against theft and robbery must have independently activated immobiliser installed before policy conclusion
Enhanced deductible for repairs outside Estonia
If vehicle repairs occur outside Estonia, Latvia, Lithuania, or Poland, a double base deductible applies; outside the European Economic Area (except specific regions) may also double the base deductible
Maximum vehicle age for casco eligibility
Comprehensive casco insurance is available for passenger vehicles, vans, trucks, tractors and buses up to 20 years old; motorcycles up to 25 years old
Insurance coverage territory
Coverage is valid across Europe, excluding Ukraine, Belarus, and Russia; territory selection affects pricing and deductible terms