PZU Casco (own-damage car insurance) (Kasko)
Underwritten by AB "Lietuvos draudimas" Estonian Branch (PZU Kindlustus) · Estonia
casco (own-damage car insurance) from PZU for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2023-04-28Sources
Unique selling points
Kasko Pluss bundles new-value, lease-value and accessories cover, technical-fault cover and a replacement car.
Collisions with an animal or bird are indemnified with no deductible in every PZU casco package.
Windscreen chip repairs are free of any deductible and carry Carglass's lifetime warranty.
Customers get up to 15% off the regular price when purchasing casco insurance online.
Claims under €2,000 can be handled directly between the repair shop and PZU, cutting processing time by up to 10 days.
Coverage limits
Own damage cover
Covered
The sum insured equals the vehicle's market price in Estonia immediately before the insured event; own-damage is indemnified via restoration costs or a cash payout across all three tiers (Kasko 8, Kasko, Kasko Pluss).
Section: 5. Kindlustussumma ja hüvitispiir
Kindlustussumma on sõiduki turuhind Eestis vahetult enne kindlustusjuhtumit.
Total loss / write-off cover
Covered
On total loss, theft or robbery, indemnity is based on the vehicle's Estonian market value immediately before the event; under Kasko Pluss, if new-value insurance does not apply, 10% is added to cover replacement costs, capped at the price of an equivalent new car.
Section: 11. Hüvitamise kord
Kui Kasko Plussi korral ei hüvitata kahju uusväärtuskindlustuse (punkt 2.10) alusel, võetakse kahju suuruseks sõiduki turuhind Eestis vahetult enne kindlustusjuhtumit, millele lisatakse sellest 10% võimalike autovahetuskulude katteks.
Partial damage / repair cost cover
Covered
Repair costs for damage caused by an insured event are indemnified based on invoices or PZU's accepted repair estimate; Kasko 8 covers partial damage only from traffic accidents and animal/bird collisions, while Kasko and Kasko Pluss cover partial damage from the full comprehensive-risk event list (including theft, vandalism, fire and natural perils).
Section: 2. Kindlustusjuhtum
Koguriskikindlustuse kindlustusjuhtum on sõiduki ootamatu ja ettenägematu kahjustumine või hävimine tingimuste punktides 2.6.-2.9. nimetatud sündmuse või muu sõidukivälise kontaktse sündmuse tagajärjel
Theft and robbery cover
Conditional
Theft or robbery of the insured vehicle or its parts is covered as a comprehensive-risk event under Kasko and Kasko Pluss; Kasko 8 excludes theft/robbery since its insured events are limited to traffic accidents, animal collisions and PZU Autoabi.
Section: 2. Kindlustusjuhtum
Vargus on kindlustatud eseme või selle osade kaotsiminek või kahjustumine varguse, röövimise või nende katse tagajärjel.
Windscreen / glass damage cover
Conditional
Glass repair or replacement is covered under the comprehensive-risk event in Kasko and Kasko Pluss; repair (rather than replacement) is performed without any deductible when the damage diameter is under 2 cm and not on the driver's side.
Section: 6. Omavastutus
Aknaklaas parandatakse, kui klaasi kahjustuse läbimõõt on väiksem kui 2 cm, see ei asu juhi poolel ja parandamisel ei rikuta klaasi soojendust.
Natural disaster, fire and explosion cover
Conditional
Damage from natural disasters, fire (incl. smoke, soot and firefighting) or explosion is covered as an 'accident' insured event under Kasko and Kasko Pluss comprehensive-risk cover; not included under Kasko 8.
Section: 2. Kindlustusjuhtum
Õnnetusjuhtum on kindlustatud eseme kahjustumine või hävimine loodusõnnetuse, tule (sh suitsu, tahma ja/või kustutustööde) või plahvatuse (sh lõhkekeha plahvatuse) tagajärjel.
Vandalism cover
Conditional
Intentional damage to the insured vehicle by a third party is covered under the comprehensive-risk event in Kasko and Kasko Pluss; not covered under Kasko 8.
Section: 2. Kindlustusjuhtum
Vandalism on kindlustatud eseme tahtlik kahjustamine kolmanda isiku poolt.
Roadside assistance / towing cost reimbursement
€500 – €3.2K
PZU Autoabi 24-hour roadside assistance is included in all three tiers; necessary recovery and transport costs to the nearest or a PZU-designated repairer or storage place within the same country are reimbursed up to €500 under Kasko 8, €1,000 under Kasko and €3,200 under Kasko Pluss.
Section: 11. Hüvitamise kord
Hüvitatakse kindlustusjuhtumi tõttu vajalikud ja põhjendatud sõiduki teele tõstmise kulud, sõiduki lähimasse või PZU määratud remondikohta toimetamise kulud või sõiduki hoiukohta toimetamise kulud sama riigi piires paketi Kasko 8 korral 500 euro, paketi Kasko korral 1000 euro ja paketi Kasko Pluss korral 3200 euro ulatuses.
Replacement vehicle
Conditional
A replacement vehicle for up to 30 days (or until the indemnity decision in case of theft/total loss) is included automatically in Kasko Pluss, available in Kasko only by special agreement noted on the policy, and not available under Kasko 8; replacement-car rental abroad is reimbursed up to €50/day incl. VAT; not provided if the repair time is under 24 hours.
Section: 2. Kindlustusjuhtum
Ühe kindlustusperioodi jooksul saab asendusautot kasutada kuni 30 päeva ulatuses.
Passenger/driver accident cover
Conditional
Indemnity is paid if the driver or a passenger suffers permanent incapacity for work (50% or more, lasting at least one year) or dies as a direct result of an insured event; included automatically in Kasko Pluss and available in Kasko only by special agreement noted on the policy; not available under Kasko 8. The sum insured per person is stated on the policy.
Section: 2. Kindlustusjuhtum
Reisijate õnnetusjuhtumi kindlustuse hüvitist makstakse juhul, kui sõidukis viibinud juht või kaassõitja jääb otseselt kindlustusjuhtumi tagajärjel tekkinud kehavigastuse tõttu püsivalt töövõimetuks või sureb.
Key conditions
Driver age and experience limit
A300/2023 sets no explicit minimum driver age or experience requirement; cover is voided if the driver lacked a valid licence for the vehicle category, was under the influence of alcohol/drugs, refused a sobriety test, or the policyholder was complicit in a crime.
Repair network requirements
PZU may issue a guarantee letter to a repairer chosen by the policyholder if PZU agrees with the repair method and location; PZU is not liable for the quality of the chosen repairer's work, and glass repairs are carried out via PZU's partner network with a lifetime warranty.
Anti-theft requirements
The vehicle must be locked with all required anti-theft devices switched on when unattended; theft/robbery losses are excluded if the vehicle was unlocked or the required anti-theft equipment was missing, not activated, or not functioning, and all vehicle keys must be surrendered with a theft claim.
Claim notification deadline
Insured events must be reported to PZU as soon as possible but no later than 5 working days after becoming aware of them; theft, robbery, vandalism or other unlawful acts must be reported to the police immediately, and fires to the rescue service immediately.
Deductible rules
A policy-specified deductible applies per insured event; glass repair (not replacement) and animal/bird-collision damage are indemnified without a deductible, while damage from avoiding an animal/bird retains the deductible unless proven by video; a fivefold deductible applies if the vehicle's actual use did not match the declared 'normal use'.
Direct payment
PZU can settle claims directly with the repair shop chosen by the policyholder by issuing a guarantee letter, and for claims under €2,000 the repair shop can communicate and settle directly with PZU, speeding up processing.
Territorial scope
PZU is only obliged to indemnify insured events that occur in the countries specified on the policy as the insurance territory.
Documents
Casco Insurance Terms and Conditions A300/2023 (opens in a new tab)
Terms & conditions · PDF
Additional cover overview (opens in a new tab)
Other document · PDF
Roadside assistance overview (opens in a new tab)
Other document · PDF
Claims handling – Casco insurance (opens in a new tab)
Other document · PDF
Vehicle inspection terms (opens in a new tab)
Other document · PDF
Comprehensive motor insurance product page (opens in a new tab)
Other document · PDF
Policy specifics
Replacement car
Free provision of replacement car for up to 30 days when repair takes more than 24 hours
SourceNew value insurance
Covers total loss at acquisition price rather than market value for new vehicles
SourceClause 2.3; 2.4; 2.10Page 1Section: 2. Kindlustusjuhtum
3) uusväärtuskindlustus; ... Uusväärtuskindlustuse alusel hüvitatakse sõiduki ostuhind (hind, millega sõiduk soetati), kui samal ajal on täidetud kõik järgmised tingimused: sõiduk on kindlustusperioodi jooksul olnud ainult tavakasutuses; sõiduk esmaregistreeriti Eestis ja registreerimisest ei ole kindlustusjuhtumi hetkeks möödunud rohkem kui üks aasta.
Lease value insurance
Covers gap between market value and lease agreement value upon total loss
SourceClause 2.11Page 1Section: 2. Kindlustusjuhtum
Liisingväärtuse kindlustus: kui sõiduki hävimise korral ei hüvitata kahju uusväärtuskindlustuse alusel, on kahju suurus liisingulepingu jääkväärtus vahetult enne kindlustusjuhtumit, kui samal ajal on täidetud kõik järgmised tingimused: sõiduk on kindlustusperioodi jooksul olnud ainult tavakasutuses; sõiduki esmasest registreerimisest ei ole kindlustusjuhtumi hetkeks möödunud üle seitsme aasta; sõiduki liisingu jääkväärtus ei ole üle 50 000 euro;
Glass repair
Window glass repair is done without a deductible when the damage is under 2 cm, not on the driver's side and the heating is not affected; replacement carries the glass-replacement deductible stated on the policy.
SourceClause 6.2Page 4Section: 6. Omavastutus
Aknaklaas parandatakse, kui klaasi kahjustuse läbimõõt on väiksem kui 2 cm, see ei asu juhi poolel ja parandamisel ei rikuta klaasi soojendust. Aknaklaas vahetatakse ainult juhul, kui kahjustuse läbimõõt on suurem kui 2 cm või see asub juhi poolel. Kui kindlustusvõtja soovib parandamisele kuuluvat klaasi vahetada, siis rakendub poliisil märgitud omavastutus või aknaklaaside vahetuse omavastutus, olenevalt sellest, kumb on suurem.
Direct handling
Repair shop communicates directly with PZU for claims under €2000; reduces claims processing by up to 10 days
SourceEV/hybrid home charger cover
Repair costs for an electric or hybrid vehicle's home charger (incl. charging cable) are indemnified up to €2,500 under Kasko and up to €3,500 under Kasko Pluss
SourceClause 11.2.7Page 5Section: 11. Hüvitamise kord
Elektri- ja hübriidmootoriga sõiduki kodulaadija (sh laadimisjuhtme) taastamiskulud hüvitatakse paketi Kasko korral 2500 euro ja paketi Kasko Pluss korral 3500 euro ulatuses.
Vehicle inspection
Photographs of vehicle required within 5 days of policy inception; self-service or partner inspection option
SourceVehicle registration
Vehicle must be entered in Estonian Traffic Register; applies to passenger cars, light trucks, lorries, trailers, buses, motorcycles
SourceVehicle usage restrictions
Vehicle must be in normal use; taxi/ride-sharing services, rental business, or professional fleet use not covered unless agreed
SourceClause 1.3Page 1Section: 1. Kindlustatud ese
Tavakasutuseks ei loeta järgmisi kasutusviise: lühirent (rent kuni 6 kuud), taksoteenus, sõidujagamisteenus, transportteenus, alarmsõiduk, turvafirma sõiduk, autokooli õppe- või eksamisõiduk.
Sources
- pzu.eehttps://pzu.ee/wp-content/uploads/2023/05/Kaskokindlustuse-tingimused-A300_2023-1.pdf#page=1(opens in a new tab)
- pzu.eehttps://pzu.ee/wp-content/uploads/2023/05/Kaskokindlustuse-tingimused-A300_2023-1.pdf#page=2(opens in a new tab)
- pzu.eehttps://pzu.ee/wp-content/uploads/2023/05/Kaskokindlustuse-tingimused-A300_2023-1.pdf#page=4(opens in a new tab)
- pzu.eehttps://pzu.ee/wp-content/uploads/2023/05/Kaskokindlustuse-tingimused-A300_2023-1.pdf#page=5(opens in a new tab)
PZU Casco (own-damage car insurance)