Extracted from source documents

LHV Casco (own-damage car insurance) (Kaskokindlustus)

Underwritten by AS LHV Kindlustus · Estonia

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

Verified Aug 28, 2026 · Terms dated 2025-01-16Sources

Online purchase24/7 helpline

Unique selling points

24/7 roadside assistance is included free of charge in every casco package, covering everyday issues like a flat battery or keys locked in the car.

Loyal, claim-free customers are rewarded with a 50% lower deductible on their next claim after two consecutive claim-free insurance years.

Policyholders can self-select their deductible level to directly reduce the insurance premium according to their own risk appetite.

Coverage extends to pets travelling in the car, protecting them alongside passengers and cargo in the Premium and ePremium packages.

The ePremium package adds dedicated cover of up to €2,000 for home EV charging stations.

Coverage limits

Covered

Own damage (all-risk / comprehensive)

100% of insured sum

Comprehensive cover for unexpected and unforeseeable damage, destruction or loss of the vehicle caused by traffic accidents, other accidents (external mechanical force, natural disaster, fire, explosion), vandalism, or theft/robbery, up to the insured sum (the vehicle's replacement value) stated on the policy.

Clause Art. 3Page 3/15

Section: Kindlustuskaitse ja paketid

Koguriskikindlustuse kindlustusjuhtum on ootamatu ja ettenägematu sündmus, mille tagajärjel saab kindlustatud ese kahjustada, hävib või kaob tingimuste punktides 3.1–3.4 nimetatud ning poliisile märgitud juhtumite tagajärjel, võttes arvesse tingimuste punktis 6 olevaid välistusi.

Covered

Total loss

100% of insured sum

Full destruction, theft, hijacking or robbery of the vehicle is deemed total loss when repair costs would exceed 70% of the vehicle's market value; LHV reimburses the reasonable replacement cost based on the vehicle's Estonian market value immediately before the event. If marked on the policy, an additional 5% of the market value is paid for vehicle replacement/exchange costs (Premium/ePremium tiers include this as 'Autovahetuse kulu').

Clause Art. 10.5.2Page 11/15

Section: Hüvitamise üldpõhimõtted

Täielikuks hävimiseks loetakse olukord, kus kindlustatud sõiduki taastusremondi kulu moodustab üle 70% sõiduki turuväärtusest kindlustusjuhtumi hetkel.

Covered

Partial loss / repair costs

100% of insured sum

Reasonable repair costs following a covered event are reimbursed if repair is economically and technically justified, after repair based on supporting documents. If the policyholder requests a cash payment without repair documents, the loss is calculated as 65% of the accepted repair cost; a cash payout otherwise requires LHV's consent and VAT is deducted unless repair is proven within 12 months.

Clause Art. 10.4.6Page 11/15

Section: Hüvitamise üldpõhimõtted

Kui kindlustusvõtja taotleb rahalist hüvitist, kuid ei esita kindlustatud sõiduki taastamist kinnitavaid kuludokumente, siis loetakse kahjusummaks 65% LHV aktsepteeritud taastamiskulu maksumusest.

Covered

Theft and robbery

100% of insured sum

Covers loss or damage of the vehicle or its parts due to theft, hijacking (unauthorised use), robbery, or attempts thereof, up to the insured sum. Cover is excluded if the vehicle lacked a functioning immobiliser/anti-theft device at the time or if the theft was not reported to the police.

Clause Art. 6.11Page 9/15

Section: Välistused

kindlustatud sõiduki ärandamise või selle osade ja/või pagasi varguse tagajärjel tekkinud kahju ajal, mil sõidukile ei olnud paigaldatud nõuetekohaseid ärandamis- ja/või vargusvastaseid seadmeid või kui need seadmed ei olnud enne vargust või ärandamist sisse lülitatud või töökorras

Covered

Glass damage

100% of insured sum

Windscreen/window damage is covered within the all-risk cover, up to the insured sum. No deductible applies if the glass is repaired (not replaced); the base deductible applies to sunroof and panoramic glass roof damage.

Clause Art. 7.7Page 10/15

Section: Omavastutus

Klaasikahju omavastutus märgitakse poliisile. Kui kindlustatud sõiduki klaas parandatakse, siis omavastutust ei rakendata, välja arvatud katuseluugi ja klaaskatuse puhul, mille kahjustumise korral rakendatakse põhiomavastutust.

Covered

Natural perils

100% of insured sum

Damage or destruction caused by natural disasters, including flood water and hail, is covered as part of the 'accident' peril within the all-risk cover, up to the insured sum.

Clause Art. 3.2Page 4/15

Section: Kindlustuskaitse ja paketid

Õnnetusjuhtum on kindlustatud eseme kahjustumine või hävimine välise mehaanilise jõu (sealhulgas igasuguse liiklusõnnetuse), loodusõnnetuse (sealhulgas tulvavesi, rahe), tule (sealhulgas suits, tahm ja kustutustööd) või plahvatuse tagajärjel.

Covered

Vandalism

100% of insured sum

Intentional damage to the vehicle by a third party is covered up to the insured sum as one of the four core all-risk perils.

Clause Art. 3.3Page 4/15

Section: Kindlustuskaitse ja paketid

Vandalism on kindlustatud eseme tahtlik kahjustamine kolmanda isiku poolt.

Covered

Roadside assistance

Covered

24/7 roadside assistance for cars/vans up to 3,500 kg and motorcycles when an unexpected and unforeseeable event (e.g. flat battery, punctured tyre) prevents continued use of the vehicle; included with no deductible in every package. If towing is needed, the vehicle is transported within Estonia to a location chosen by the policyholder, or elsewhere on the covered territory to the nearest storage/repair facility; occupants may be brought to their destination or home within Estonia, Latvia and Lithuania. Must be ordered via LHV's roadside assistance phone line (680 1122). Towing/recovery costs to the nearest repair or storage location are separately covered up to €500 for cars/vans and €2,000 for trucks, buses and trailers.

Clause Art. 5.1Page 5/15

Section: Lisakaitsed

Autoabiteenusega osutatakse esmast abi sõidu- ja pakiautole registrimassiga kuni 3500 kg ning mootorrattale, kui ootamatu ja ettenägematu sündmuse tagajärjel ei ole sõiduki kasutamine või sõidu jätkamine võimalik.

Conditional

Replacement vehicle

30 days

Available for cars/vans up to 3,500 kg when the insured vehicle cannot be used due to a covered accident, vandalism, theft or (if covered) technical breakdown. Included for up to 30 days per claim (max twice per insurance period) in the Premium and ePremium packages; in the Standard package it is only available for an additional premium. The replacement vehicle need not be equivalent to the insured vehicle and is issued via an LHV-appointed partner.

Clause Art. 5.2Page 5/15

Section: Lisakaitsed

Asendusauto kasutamist võimaldatakse LHV poolt hüvitatava kindlustusjuhtumi korral sõidu- ja pakiautodele registrimassiga kuni 3500 kg juhul, kui kindlustatud sõiduki kasutamine ei ole liiklusõnnetuse, õnnetusjuhtumi, vandalismi, varguse või tingimuste punktis 5.7 nimetatud tehnilise rikke ... tagajärjel lubatud või võimalik.

Optional

Passenger/driver accident insurance

€10K

Optional add-on (selectable regardless of package under 'Lisakaitsed') covering permanent disability or death of up to five occupants (including the driver) resulting directly from bodily injury caused by the insured event, with a benefit limit of €10,000 per person per insurance period. Payment requires disability of at least one year with at least 30% determined disability by a competent authority; full sum is paid in case of death.

Clause Art. 5.13Page 7/15

Section: Lisakaitsed

Reisijate õnnetusjuhtumikindlustuse alusel hüvitatakse sõidukis viibinud kuni viie reisija (sealhulgas sõidukijuht) püsiv töövõime kaotus või surm, mis on otseselt tingitud kindlustusjuhtumi tagajärjel saadud kehavigastusest. Reisijate õnnetusjuhtumikindlustuse hüvitispiir on 10 000 eurot isiku ja kindlustusperioodi kohta.

Key conditions

Driver age and experience limit

The terms and conditions do not set a minimum driver age or experience requirement. However, cover does not apply if the driver of the insured vehicle lacked the required licence category at the time of the accident, or was under the influence of alcohol, drugs or psychotropic substances.

Repair network requirements

The policyholder may choose any repair facility; LHV decides the method of indemnification (repair or cash reimbursement) and is not responsible for repair quality unless the work is carried out by an LHV-appointed partner. Restoration parts may match the vehicle's age and wear.

Anti-theft requirements

The vehicle must be fitted with a proper, functioning immobiliser and, where LHV requires, an additional anti-theft device (alarm or tracking system). Keys and registration documents must be kept so third parties cannot access them without force, and must never be left inside the vehicle. If keys are stolen, lost or robbed, locks/anti-theft electronics must be changed or recoded immediately.

Claim notification deadline

The policyholder must notify LHV of an insured event immediately, and in any case no later than five (business) days after the event occurred or after becoming aware of it.

Deductible rules

The deductible is a fixed amount and/or percentage stated on the policy (typical base deductible is €300). It is reduced by 50% for the first claim if no claims occurred with LHV during the previous two consecutive annual insurance periods for the same vehicle; it doubles from the third claim within one insurance period; theft deductibles set as a percentage cannot be lower than the base deductible; LHV may apply a double base deductible if the vehicle is repaired outside Estonia, Latvia or Lithuania; no deductible applies for animal/bird collisions if dashcam footage proves an attempt to avoid the collision, for glass repairs (except sunroof/glass roof), or for key replacement after theft/loss.

SourceClause Art. 7.5Page 10/15

Section: Omavastutus

Kui kindlustatud sõiduk remonditakse või taastatakse väljaspool Eestit, Lätit või Leedut, võib LHV rakendada kahekordset põhiomavastutust.

Direct payment

LHV decides the method of indemnification: it may restore the vehicle (potentially settling directly with an LHV-appointed repair partner) or pay a cash indemnity. If a cash payout is requested without documents proving the repair, the loss is calculated as 65% of the accepted repair cost; if the policyholder proves within 12 months that the payout was used for repairs, LHV also pays out the VAT portion withheld.

Territorial scope

Cover applies in the territory stated on the policy; the most common territory is Europe excluding Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus and Russia.

Documents

Casco insurance terms and conditions (effective 16.01.2025) (opens in a new tab)

Terms & conditions · PDF

Casco insurance product information document (IPID) (opens in a new tab)

Product information sheet · PDF

Casco insurance IPID (18.12.2024 edition, hosted mirror) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Passenger accident insurance

Coverage for permanent disability or death of up to five passengers (including driver) resulting from bodily injury caused by insured event, with benefit limit of 10,000 EUR per person per insurance period

SourceClause Art. 5.13Page 7/15

Section: Lisakaitsed

Reisijate õnnetusjuhtumikindlustuse alusel hüvitatakse sõidukis viibinud kuni viie reisija (sealhulgas sõidukijuht) püsiv töövõime kaotus või surm, mis on otseselt tingitud kindlustusjuhtumi tagajärjel saadud kehavigastusest.

Baggage coverage

Coverage for baggage damage or loss during traffic accident, accident, or vandalism when stored hidden and locked in vehicle trunk or designated place

SourceClause Art. 5.12Page 7/15

Section: Lisakaitsed

sõiduki juurest lahkumise eel oli pagas hoiustatud varjatult ja selleks ettenähtud lukustatud pagasiruumis ja/või kohas (näiteks kindalaekas)

Replacement vehicle use

Replacement vehicle may be used up to twice per insurance period, for a maximum of 30 days per insured event, if the cover is marked on the policy

SourceClause Art. 5.2.1Page 5/15

Section: Lisakaitsed

jooksva kindlustusperioodi vältel kuni kaks korda, aga kuni 30 päeva ühe kindlustusjuhtumi kohta;

Lease value insurance

Optional cover for leased vehicles where the market value at the time of loss is lower than the scheduled residual lease value; the owner and lessor must be a credit institution operating in Estonia (or its branch/subsidiary lessor), first registration no more than 5 years ago, residual lease value max 50,000 EUR

SourceClause Art. 5.3Page 5/15

Section: Lisakaitsed

Liisinguväärtuse kindlustuse alusel hüvitatakse sõiduki täieliku hävimise või kaotsimineku (sealhulgas varguse) korral sõiduki liisingulepingu jääkväärtus vahetult enne kindlustusjuhtumit.

Technical breakdown cover

Covers unexpected and unforeseeable breakdown of the engine, transmission, brake and steering systems and their control electronics/cooling systems; included in Premium and ePremium packages for vehicles up to 7 years old with mileage up to 150,000 km

SourceClause Art. 5.7Page 6/15

Section: Lisakaitsed

Tehnilise rikke kindlustuse alusel hüvitatakse sõiduki mootori, jõuülekande, piduri- ja roolisüsteemi ning nende juhtelektroonika ja jahutussüsteemide ootamatust ja ettenägematust rikkest tingitud remondi või asendamise kulud.

New value insurance

Reimburses the original first-sale price on full destruction/loss for vehicles no more than 1 year old with a single owner since first sale; included in Premium/ePremium, available for an extra fee in Standard

SourceClause Art. 5.5Page 6/15

Section: Lisakaitsed

Uusväärtuskindlustuse alusel hüvitatakse sõiduki täieliku hävimise või kaotsimineku (sealhulgas vargus) korral selle esmamüügihind sõiduki ostudokumendi alusel.

Purchase value insurance

Reimburses the purchase price (per purchase document) on full destruction/loss for vehicles up to 10 years old, purchase price up to €50,000, purchased within 30 days before contract signing, valid for 6 months from contract start; included in Premium/ePremium, extra fee in Standard

SourceClause Art. 5.6Page 6/15

Section: Lisakaitsed

Soetamisväärtuskindlustuse alusel hüvitatakse sõiduki täieliku hävimise või kaotsimineku (sealhulgas vargus) korral selle soetamismaksumus vastavalt ostudokumendile.

Lease payment insurance

Reimburses up to 6 months of lease payments, capped at €3,000 per claim, if the lessee is on medical leave for over two weeks due to the insured event; included in Premium/ePremium, extra fee in Standard

SourceClause Art. 5.4Page 5/15

Section: Lisakaitsed

Liisingumakse kindlustuse alusel hüvitatakse kuni kuue kuu liisingumaksed kuni 3000 euro ulatuses kindlustusjuhtumi kohta.

Trailer coverage

Covers damage to a light trailer from traffic accident, other accident, theft or vandalism while attached to the insured vehicle, up to €1,500 per claim; included in Premium/ePremium, extra fee in Standard

SourceClause Art. 5.10Page 7/15

Section: Lisakaitsed

Vahetushaagise kindlustuse alusel hüvitatakse liiklusõnnetuse, õnnetusjuhtumi, varguse või vandalismi tagajärjel kerghaagisele tekitatud kahju. Vahetushaagise kindlustusjuhtumi hüvitispiir on kuni 1500 eurot kindlustusjuhtumi kohta.

Trip interruption cover

Reimburses reasonable costs of accommodation/onward travel needed to continue the journey after an insured event interrupts a trip, up to €1,000 per claim; included in all three packages

SourceClause Art. 5.19Page 8/15

Section: Lisakaitsed

Reisikatkestuse kindlustuse alusel hüvitatakse kindlustusjuhtumi tõttu tekkinud reisikatkestusest tingitud ja reisi jätkamiseks vajalikud järgmised mõistlikud kulud kuni 1000 euro ulatuses kindlustusjuhtumi kohta.

Rental car insurance

Covers damage claims from rental companies against the policyholder for accidents, other accidents or vandalism to a rented replacement vehicle abroad, up to €20,000 per insurance period; included in Premium/ePremium only

SourceClause Art. 5.20Page 8/15

Section: Lisakaitsed

Rendiautokindlustuse alusel hüvitatakse rendiettevõtte esitatud kahjunõuded kindlustusvõtja vastu, mis on tekkinud kindlustusvõtja renditud sõidukile liiklusõnnetuse, õnnetusjuhtumi või vandalismi tagajärjel. Rendiautokindlustuse hüvitispiir on 20 000 eurot kindlustusperioodi kohta.

Pet coverage

Covers injury or death of up to two pets travelling properly secured in the insured vehicle, up to €2,000 per insurance period; included in Premium/ePremium only

SourceClause Art. 5.16Page 7/15

Section: Lisakaitsed

Lemmikloomakindlustuse alusel hüvitatakse kindlustatud sõidukis viibinud kuni kahe lemmiklooma vigastuse või surma tagajärjel tekkinud kahju, mis on otseselt tingitud kindlustusjuhtumist. Lemmikloomakindlustuse hüvitispiir on 2000 eurot kindlustusperioodi kohta

Charging station cover

Covers damage, loss or destruction of a home/personal EV charging station up to €2,000; included only in the ePremium package

SourceClause Art. 5.8Page 6/15

Section: Lisakaitsed

Laadimisjaama kaitse alusel hüvitatakse laadimisjaama kahjustamise, kadumise või hävimisega seotud kulud kuni 2000 euro ulatuses.

Vehicle usage restrictions

Normal use excludes short-term rental (up to 3 months), taxi or ride-sharing services, and use as a courier, driving-school, security, special-purpose or emergency vehicle or as a motorhome

SourceClause Art. 1.2Page 3/15

Section: Kindlustatud ese

Tavakasutuseks ei loeta sõiduki lühirendile andmist (rent kuni kolm kuud), sõidukiga takso- või sõidujagamisteenuse osutamist ning sõiduki kasutamist kuller-, autokooli, turvateenistuse, eriotstarbelise või alarmsõidukina või autoelamuna.

Immobiliser and anti-theft device requirement

Vehicle must have appropriate immobiliser fitted; additional anti-theft device (alarm or tracking) may be required in certain cases

Source

Section: Important information

As a minimum requirement, the vehicle must be fitted with an appropriate immobiliser and, in certain cases as requested by us, an additional anti-theft device (alarm or tracking device).

Repair facility selection and indemnification method

Policyholder may choose any repair facility; LHV decides the method of indemnification (repair or cash reimbursement based on justified repair costs)

SourceClause Art. 10.1Page 11/15

Section: Hüvitamise üldpõhimõtted

Hüvitamisviisi otsustab LHV.

Pre-contract damage declaration requirement

Before concluding insurance contract, vehicle owner must inform LHV of any damage and confirm vehicle has no undisclosed damage

Source

Section: Important information

Before signing the insurance contract, you must inform LHV Insurance of any damage to the vehicle and, when signing the contract, confirm that the vehicle has no damage that is not known to us.

Vehicle maintenance requirement for technical breakdown

If technical breakdown coverage is included, maintenance must have been performed at competent service centre in accordance with manufacturer guidelines

SourceClause Art. 5.7.3Page 6/15

Section: Lisakaitsed

sõiduki hooldus- ja remonditööd on tehtud õigel ajal vastavalt tootja juhenditele pädevas hooldus- ja remondiettevõttes;

Territorial scope of coverage

Coverage valid in the territory specified on the policy; the most common territory is Europe excluding Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus and Russia

SourcePage 1

Section: Kus ma olen kindlustatud?

Kindlustuskaitse kehtib kindlustuspoliisil märgitud territooriumil. Enamlevinud kindlustuskaitse territoorium on Euroopa v.a Armeenia, Aserbaidžaan, Gruusia, Moldova, Türgi, Ukraina, Valgevene ja Venemaa.

Sources

LHV Casco (own-damage car insurance)

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