AS LHV Kindlustus
LHV
LHV is a motor casco insurance for the Estonia market with online purchase and limited assistance availability.
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.
Geographic scope
Estonia
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.
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, a benefit competitors rarely offer as standard.
Coverage limits
Own damage (all-risk / comprehensive)
Covered
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.
Total loss
Covered
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').
Partial loss / repair costs
Covered
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.
Theft and robbery
Covered
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.
Glass damage
Covered
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.
Natural perils
Covered
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.
Vandalism
Covered
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.
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.
Replacement vehicle
Conditional
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.
Passenger/driver accident insurance
Optional
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.
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.
Territorial scope
Cover is valid within the territory stated on the policy. The most commonly applied territory is Europe excluding Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus and Russia (older editions referred to this exclusion collectively as 'CIS countries').
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; the deductible is doubled 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.
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
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
Replacement vehicle use
Permitted use of replacement vehicle during insurance period up to twice per claim, maximum 30 days per insured event if coverage is marked on policy
Lease value insurance
Optional coverage for financed vehicles where market value at time of loss is less than outstanding lease balance; vehicle must be registered as vehicle owner/lessor, first registration max 5 years ago, lease value max 50,000 EUR
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
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
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
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
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
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
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
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
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
Vehicle usage restrictions
Vehicle must not be used as rental car (max 6 months), taxi/ride-sharing service, or emergency/alarm/security patrol vehicle during normal use definition
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
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)
Pre-contract damage declaration requirement
Before concluding insurance contract, vehicle owner must inform LHV of any damage and confirm vehicle has no undisclosed damage
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
Territorial scope of coverage
Coverage valid in territory specified on insurance policy; most common coverage area is Europe excluding CIS countries (Armenia, Azerbaijan, Georgia, Moldova, Turkey, Ukraine, Belarus, Russia)