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

Deductible is reduced by €100 (down to €0) for any claim where dashcam footage of the incident exists.

Zero deductible for animal or bird collisions, and for successfully avoiding one, when the incident is reported and evidenced on video.

Free 24/7 Autoabi roadside assistance across Europe with no deductible, including up to 3 nights' accommodation abroad for the driver and a passenger.

Superkasko keeps repairing the car at an authorised dealership even after the factory warranty ends, and adds 10% of market value on top of a total-loss payout.

Driver age and experience limit

The terms do not set a minimum driver age or experience requirement; the driver must simply hold a valid driving licence of the appropriate vehicle category and must not drive under the influence of alcohol, drugs, other intoxicating substances or fatigue.

Repair network requirements

Under Kasko, repair at an authorised manufacturer's dealership applies only while the vehicle's basic factory warranty is valid; under Superkasko, authorised-dealership repair applies regardless of warranty expiry. If no authorised dealer/workshop exists in Estonia, or the claim is a glass claim, or the factory warranty does not apply, the general repair-cost rules apply instead.

Anti-theft requirements

Vehicle keys/remotes must be kept with due care so third parties cannot obtain them, must never be voluntarily handed to strangers or intoxicated persons, the immobiliser must be recoded and evidenced if the key set is incomplete, and lock/anti-theft system faults must be repaired as soon as possible; failing to surrender all keys with a theft claim allows Seesam to apply a tripled theft/robbery deductible.

Claim notification deadline

The loss must be reported to Seesam at the first opportunity, without delay; a written claim application thoroughly describing the circumstances must be submitted within three months of notification. Seesam's claims-handling page states that losses should be reported no later than three business days after the event.

Deductible rules

A deductible stated on the policy applies per claim and per vehicle. A tripled base deductible (minimum €900) applies if the vehicle was used as a taxi, for ride-sharing, courier services, driving lessons, short-term rental, alarm/security response or as an operational vehicle without this being noted on the policy — this also applies to animal/bird collisions and glass claims in such cases. The deductible is reduced by €100 (not below €0) for any claim supported by dashcam footage. No deductible applies to animal/bird collisions if reported to the authorities and evidenced, nor to roadside assistance or towing claims. Glass repair (not replacement) carries no deductible. Key/remote claims carry a 10% deductible under Kasko and €0 under Superkasko.

Direct payment

Compensation is paid either as a cash indemnity or by arranging repair of the damaged vehicle; if repair is agreed, Seesam issues a guarantee letter to the repair shop for the repair costs, and where the policy is marked as VAT-inclusive, the repair invoice including VAT is billed directly to the insurer.