AB "Lietuvos draudimas" Estonian Branch (trading as PZU Insurance)
PZU
PZU is a motor casco insurance for the Estonia market with online purchase and 24/7 assistance.
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.
Geographic scope
Estonia
PZU is only obliged to indemnify insured events that occur in the countries specified on the policy as the insurance territory.
Unique selling points
- Kasko Pluss is marketed as the broadest comprehensive package on the market, bundling new value, lease value and accessories cover, technical fault cover and a free replacement car.
- Kasko Pluss offers a €0 excess for collisions with wild animals.
- 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).
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.
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).
Theft and robbery cover
Conditional
Only in Kasko, Kasko Pluss
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.
Windscreen / glass damage cover
Conditional
Only in Kasko, Kasko Pluss
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.
Natural disaster, fire and explosion cover
Conditional
Only in Kasko, Kasko Pluss
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.
Vandalism cover
Conditional
Only in Kasko, Kasko Pluss
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.
Roadside assistance / towing cost reimbursement
€500 – €3,200
PZU Autoabi 24-hour roadside assistance is included in all three tiers; towing/recovery and repair-shop transport costs are reimbursed up to €500 per policy period under Kasko 8, up to €1,000 under Kasko, and up to €3,200 under Kasko Pluss.
Replacement vehicle
Conditional
Only in Kasko, Kasko Pluss
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.
Passenger/driver accident cover
Conditional
Only in Kasko, Kasko Pluss
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.
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.
Territorial scope
PZU is only obliged to indemnify insured events that occur in the countries specified on the policy as the insurance territory.
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'.
Documents
Casco Insurance Terms and Conditions A300/2023
Terms & conditions
Additional cover overview
Other document
Roadside assistance overview
Other document
Claims handling – Casco insurance
Other document
Vehicle inspection terms
Other document
Comprehensive motor insurance product page
Other document
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
SourceLease value insurance
Covers gap between market value and lease agreement value upon total loss
SourceGlass repair
Window glass repair or replacement without deductible; repair if damage diameter less than 2cm and not on driver side
SourceDirect 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
SourceVehicle 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
Source