Compensa Vienna Insurance Group, ADB Eesti Filiaal (brand name: Seesam)
Seesam
Seesam is a motor casco insurance for the Estonia market with online purchase and 24/7 assistance.
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.
Geographic scope
Europe (excluding Russia, Ukraine, Belarus, Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey)
The insurance territory is agreed and stated on the policy; damage occurring outside the territory stated on the policy is not covered.
Unique selling points
- 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.
- Buying casco insurance in the e-shop is 10% cheaper than through other channels.
Coverage limits
Own damage (comprehensive/all-risk cover)
Covered
Any damage, destruction or loss of the insured vehicle is covered under the comprehensive risk insurance, unless expressly excluded; the sum insured is the vehicle's actual market value in Estonia immediately before the event, not a fixed policy amount.
Total loss
Covered
The vehicle is deemed economically destroyed if repair costs exceed 70% of market value (Seesam may also treat it as destroyed at 50%); the market value is paid out. Under the Superkasko package an extra 10% of market value (or the full registration fee, if higher) is added. New-value cover (payment of the original purchase price) applies if the vehicle is up to 1 year old / max 30,000 km under Kasko, or up to 2 years old / max 40,000 km under Superkasko.
Partial loss / damage repair
Covered
If the vehicle, its part or luggage can be technically and economically restored to its previous condition, Seesam covers the reasonable repair costs; the insured or beneficiary must choose a technically appropriate and cost-reasonable method of restoration.
Theft and robbery
Covered
Theft or robbery of the insured vehicle is covered under the comprehensive risk insurance; the vehicle registration certificate and all keys must be surrendered with the claim, and Seesam may apply a tripled theft/robbery deductible if not all keys are handed over.
Glass damage
Covered
Windscreen, cabin and roof glass damage is covered as part of the comprehensive risk insurance. Glass repair is covered with no deductible regardless of the policy's glass or base deductible; glass replacement is subject to the deductible stated on the policy. Damage from ice/snow scraping, glass haze, or pre-existing surface damage is excluded.
Natural perils
Covered
Damage caused by natural disasters is covered as part of the comprehensive risk insurance event definition.
Vandalism
Covered
Damage caused by vandalism is covered as part of the comprehensive risk insurance event definition.
Roadside assistance (Autoabi)
Covered
Included by default for cars, vans and motorcycles (not in the base truck/trailer/bus Kasko package). Covers towing to the nearest garage, transport of driver/passengers, extraction from mud/snow/ditch, up to 5 litres of fuel, jump-start/tow for EV battery depletion up to 3 times per period, tyre change, key delivery, and up to 3 nights' accommodation abroad for the driver and one passenger. No deductible applies. Must be requested via the phone number stated on the policy (+372 6221 333); service ordered from other providers is not reimbursed.
Replacement vehicle
€40
Optional cover providing a replacement vehicle for up to 50 nights while the insured car/van cannot be used due to a comprehensive-risk claim. If the customer declines Seesam's arranged car or is abroad, documented alternative transport/rental costs are reimbursed up to €40/night for up to 50 nights; if arranged without prior approval on a weekend/public holiday, up to €40/night for a maximum of 5 nights. Not provided if the repair time is under 12 hours.
Vehicle occupant accident insurance
Optional
Optional add-on covering the driver and/or occupants of the insured vehicle for permanent incapacity resulting from a comprehensive-risk event; the sum insured is stated on the policy per occupant. Full sum insured is paid for 100% loss of capacity, 50% for partial incapacity, and the full sum is paid to the heirs if the occupant dies as a result.
Key conditions
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.
Territorial scope
The insurance territory is Europe, excluding Russia, Ukraine, Belarus, Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey; the territory is entered on the policy and damage occurring outside the stated territory is not covered.
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.
Where to buy
Policy specifics
Rental car deductible coverage
Coverage for rental car deductible obligations when renting a vehicle while traveling
SourceTechnical breakdown insurance
Coverage for unexpected technical failures in engine, cooling system, power transmission, braking and steering systems
SourcePet coverage
Coverage for pets (dogs and cats) traveling in the vehicle, including veterinary treatment costs or compensation upon death
SourceWindow glass insurance
Coverage for damage to passenger compartment glass (windows), including cost of applied window tinting
SourceReplacement vehicle insurance
Coverage ensuring a replacement vehicle is provided when the insured vehicle is being repaired or cannot be used
SourceVehicle passenger accident insurance
Coverage for vehicle occupants in case of traffic accidents, including death and injury benefits
SourceDealership repair authorization
Authorization for vehicle repair at manufacturer authorized dealerships under specific warranty conditions
SourceTerritorial coverage limitations
Insurance valid in designated territories; selectively includes Estonia, Baltic states, Europe, or Europe plus Ukraine, Russia, Belarus
SourceVehicle eligibility and use restrictions
Specific vehicle age, mileage, and usage restrictions; excludes taxis, courier services, ride-sharing (Uber, Bolt), commercial use
SourceRepair cost threshold for total loss
If repair costs exceed 70% of vehicle market value, vehicle may be declared total loss
SourceLoss notification deadline
Loss must be reported to Seesam at first opportunity but no later than 3 business days after insured event
Source