LHV

driver_age_experience_limit

No specific minimum driver age or experience requirement is stated in the policy terms or IPID. Coverage applies to all persons legally in possession of or using the insured vehicle, provided they hold a valid driving licence for the relevant vehicle category. Exclusion clause 6.23 states that no coverage applies if the driver lacked the required driving licence for that vehicle category at the time of the accident.

repair_network_requirements

The policyholder may choose any repair facility. LHV decides the method of indemnification (clause 10.1). LHV is not responsible for repair quality unless carried out by an LHV-designated partner (clause 10.4.5). If the vehicle is repaired outside Estonia, Latvia or Lithuania, LHV may apply a double standard deductible (clause 7.5). Technical breakdown coverage requires maintenance to have been performed at a competent service centre in accordance with manufacturer guidelines (clause 5.7.3).

territorial_scope

Coverage territory is stated on the policy. The most common territory is Europe excluding Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus and Russia. LHV obligation to indemnify applies only to insured events occurring within the territory stated on the policy. Green Cards issued by Estonian insurers are not valid in Russia and Belarus as of 1 June 2023.

anti_theft_requirements

When leaving the vehicle, the policyholder must close doors, windows and hatches, lock the vehicle and activate anti-theft devices including the alarm system and immobiliser (clause 11.9). Vehicle keys must not be left in the vehicle and must be stored so a third party cannot remove them without overcoming an obstacle or using violence (clause 11.10). If keys are lost or stolen, all locks must be immediately changed and electronic anti-theft devices recoded or replaced (clause 11.11). Theft or joyriding coverage is excluded if required anti-theft devices were not installed, switched on and operational, or if the key was in the vehicle (clause 6.11). LHV may require additional anti-theft or tracking devices at underwriting stage.

claim_notification_deadline

The policyholder must notify LHV of an insured event immediately and no later than within five working days of the event or of becoming aware of it (clauses 9.5 and 11.2). For theft, robbery, vandalism or fire, police or emergency services must be notified immediately (clause 9.2). The damaged vehicle must be presented for inspection in its post-accident condition without restoration or disposal until LHV gives instructions (clause 9.6). In case of theft or robbery, all vehicle keys and registration documents must be submitted to LHV immediately (clause 9.9).

deductible_rules

The deductible is the amount stated on the policy that the policyholder bears in each insured event. It may be a fixed amount or a percentage of the loss. Loyalty reduction: if no claim has occurred during two consecutive annual periods with LHV for the same insured vehicle, the deductible for the first subsequent claim is reduced by 50% (clause 7.1). If more than two claims occur in one insurance period, the deductible from the third claim onwards is doubled (clause 7.2). If the vehicle is repaired outside Estonia, Latvia or Lithuania, LHV may apply a double standard deductible (clause 7.5). No deductible applies to roadside assistance (clause 5.1.1), glass repair (clause 7.7) or key replacement (clause 7.8). A separate deductible applies to glass replacement, animal collision (clause 7.6) and theft (clause 7.3). For theft expressed as a percentage, the deductible is that percentage of the loss but not less than the standard deductible on the policy.

Leasing value insurance

Covers gap between vehicle lease contract residual value and actual market value in case of total loss. Only applies if residual value exceeds market value at time of loss.

Travel curtailment insurance

Covers reasonable transport and accommodation costs if trip must be interrupted due to insured event. Covers costs for travel to nearest accommodation and hotel expenses if accommodation is more than 100 km from destination.

Pet coverage

Comprehensive coverage includes pet animals traveling in vehicle, provided they are properly secured and transported in appropriate manner.

Passenger accident insurance

Covers bodily injury to vehicle passengers in case of traffic accident. Maximum benefit per person and per insurance period applies.

Rental car damage insurance

Covers claims from rental company for damage to rented vehicle from traffic accident, accident, or vandalism as defined in terms. Only valid for vehicles up to 3,500 kg.

New replacement value insurance

For total loss, reimburses original purchase price from sales document instead of market value. Only for complete destruction or loss (including theft).

Anti-theft device requirement

Vehicle must be equipped with at minimum a proper immobilizer. In certain cases, LHV may additionally require an anti-theft alarm or tracking device.

Pre-contract vehicle damage disclosure

Before signing contract, policyholder must inform LHV of any damage to vehicle and confirm upon contract signature that vehicle has no damage unknown to LHV.

Vehicle use restrictions

In normal use, insured vehicle must not be used as rental vehicle, taxi, car-sharing service vehicle, or training/emergency/courier/security patrol vehicle unless declared in contract.

Notification of risk increase

Policyholder must inform LHV immediately of any increase in insured risk, such as vehicle ownership transfer, change in use, vehicle modification/tuning, or loss of vehicle keys.

Loyalty deductible reduction

If policyholder has insured vehicle with LHV for at least two consecutive years with no loss events during that period, LHV will apply 50% smaller deductible than stated in contract for next claim.

Coverage territory

Most common coverage territory is Europe, excluding Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus and Russia. Territory specified in individual policy.