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

Damage to the insured vehicle caused by an accident (collision, collision with any object, running off the road, driving into a pothole) is a core insured risk. It is included by default in the Superkasko and Osakasko packages; in Minikasko it is one of the risks the client selects individually. The indemnity is based on the vehicle's market value (kindlustusväärtus) and capped by the sum insured stated on the policy.

When the insured vehicle is destroyed (repair not economically or technically feasible) or stolen/robbed, the maximum indemnity is the vehicle's market value (harilik hind) immediately before the event, unless leasing-value or new-value insurance applies, in which case the leasing residual value or purchase price is paid instead.

When the insured vehicle is damaged and repair is economically and technically feasible, Salva indemnifies reasonable repair costs, using parts matching the pre-loss wear, value and quality; repair is done at a jointly agreed workshop or one nominated by Salva. Indemnity is capped by the sum insured.

Theft, robbery and unauthorised use are covered in Superkasko and can be selected in Minikasko; check the policy for Osakasko. Cover requires the vehicle to have been locked with windows and boot closed and an active alarm or immobiliser at the time of the event.

Additional cover for the windscreen and cabin windows (incl. film), triggered by a direct impact causing breakage or cracking that requires replacement under applicable law; the reasonable repair cost is indemnified. This cover only applies if marked on the policy; deductible application terms are also set on the policy, and a double base deductible applies if the vehicle is repaired outside Estonia, Latvia or Lithuania. Sunroofs and glass roofs are excluded.

Direct damage caused by storm, hail or flood (and objects falling as a result). Per Salva's package comparison, this is included in Superkasko and Osakasko and is a client-selectable optional risk in Minikasko.

Intentional damage or destruction of the vehicle by third parties (incl. explosive device detonation) and fire/explosion intentionally caused by third parties. Per Salva's package comparison, included in Superkasko and Osakasko and a client-selectable optional risk in Minikasko.

Covers accident-scene consultation/recording, technical breakdown assistance, tyre help, jump-starts (max twice per 30 days), towing of EVs to the nearest charging point (max twice per period), fuel delivery, lock-out assistance, extraction from ditches/snow, and towing/passenger transport. Only available for cars/vans up to 3500 kg gross weight, requires a policy mark, and must be requested via Salva's own Autoabi phone line (6844444) to be reimbursed. Towing sum insured is 500 EUR per claim in Estonia and 800 EUR per claim in Europe; the amount exceeding the sum insured is borne by the client.

If the trip is interrupted by an insured event, Salva covers reasonable costs of towing to the nearest secure car park, reasonable travel costs back to Estonia (train/ferry/bus), and, only with an additional mark on the policy, reasonable rental costs of a replacement vehicle or flight tickets to allow the driver and passengers to return to Estonia. The exact sum insured is stated on the policy; Salva's marketing materials state a travel-interruption sum insured of up to 2000 EUR, covering the whole travel party jointly.