Seesam
Seesam is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
Seesam issues a guarantee letter directly to the repair shop covering repair costs (excluding VAT and deductible for legal entities). For total loss or theft, Seesam pays the market value directly to the policyholder or beneficiary (e.g. leasing company). Direct payment to repair shop is the default method when a guarantee letter is issued.
Geographic scope
EE
Euroopa, va Venemaa, Ukraina, Valgevene, Armeenia, Aserbaidžaan, Gruusia, Kasahstan, Moldova ja Türgi (standard); laiendatud valik hõlmab ka Venemaad (Uurali osas), Ukrainat ja Valgevenet, va mõned piirkonnad
Unique selling points
- Free 24/7 roadside assistance included across Europe with zero deductible — covers towing, fuel delivery, tyre change, jump-start and up to 3 nights of accommodation abroad.
- New-value cover (uusväärtuskindlustus) is included free of charge — for vehicles up to 1 year old, total loss is paid at the original purchase price with no mileage restriction.
- Zero deductible applies to wild or farm animal collisions (excluding birds), making a common Estonian road risk fully covered without any out-of-pocket cost.
- Superkasko guarantees repairs always at an authorised brand dealer — even for older vehicles — with original parts and manufacturer warranty, without extra cost.
- The policy can be purchased online at a 10% discount with instant issuance, and is available as a standalone product without requiring Seesam MTPL.
Coverage limits
Own damage (vehicle damage)
Covered
Covers sudden and accidental external contact events, traffic accidents, natural disasters, fire, and vandalism causing damage to the insured vehicle. Indemnity is capped at the vehicle's market value in Estonia immediately before the insured event. Repair costs are covered up to the economically reasonable level.
Total loss
Covered
When the vehicle is destroyed or its repair is not economically feasible or technically possible, Seesam pays the market value of the vehicle in Estonia immediately before the insured event. For Superkasko, an additional 5% of the indemnity is added to cover vehicle replacement costs. New-value cover applies for vehicles up to 1 year old (single owner, repair costs >50% of purchase price).
Partial loss (repair costs)
Covered
When the vehicle is damaged but repair is economically feasible and technically possible, Seesam covers the reasonable cost of repair. Parts that can be repaired need not be replaced. Repair costs include labour and parts consistent with pre-loss wear. Paid indemnity for repairs does not reduce the insured sum.
Theft and robbery
Covered
Covers loss of the insured vehicle due to theft or robbery. Indemnity is the market value of the vehicle. Deductible for theft/robbery is a policy-specified percentage of the loss amount, but not less than the basic policy deductible. If not all vehicle keys are presented at claim time, a triple deductible applies.
Glass damage (window insurance)
Covered
Optional add-on covering damage to the front, rear, or side glass (including tinted film) caused by a direct impact. If this add-on is not selected, glass damage is still covered under the base policy but at the standard deductible. With the add-on, a reduced deductible of EUR 0 or 10% of the damage amount can be selected. Excluded: damage to lights, mirrors, roof hatches, glass roofs, heating elements, wear, ice/snow cleaning, or pre-existing damage.
Natural perils (natural disaster)
Covered
Covers destruction or damage to the insured vehicle caused by a natural phenomenon. Damage caused by the driver's own behaviour (e.g. driving into water, hitting a fallen tree, branch scratches) is not considered a natural disaster. No deductible applies if damage exceeds EUR 1,000 and causation is proven (Superkasko extended cover). Standard Kasko applies base deductible to natural peril claims under EUR 1,000.
Vandalism
Covered
Covers intentional acts by a third party aimed at damaging or destroying the insured vehicle. The policyholder must immediately file a police report in the event of suspected vandalism.
Roadside assistance (Autoabi)
Covered
24/7 roadside assistance included free of charge with the Kasko package for passenger cars and light vehicles. Covers towing to nearest service, rescue from water/sand/mud/snow/ditch, fuel delivery (including cost), tyre change, jump-start, spare key delivery within Estonia, and on-site advice after accident. Up to 3 nights of accommodation (driver + 1 passenger) outside Estonia. No deductible applies. Service must be ordered via the dedicated helpline +372 6221 333. Costs of spare parts, tyres, replacement keys or repairs are not covered.
Replacement vehicle (substitute car insurance)
Optional
Optional add-on providing a replacement vehicle for up to 20 days when the insured vehicle cannot be used due to an insured event (except roadside assistance events). Available via Seesam's partner Europcar. If outside Estonia, documented rental costs reimbursed up to EUR 40 per day for up to 20 days. Maximum 2 claims per policy year. Not provided if repair time is less than 12 hours.
Passenger accident insurance (driver and passengers)
Optional
Optional add-on (included in Superkasko) covering permanent disability or death of the driver and/or passengers directly resulting from a covered insured event (traffic accident, etc.). For 50% disability: 50% of insured sum; for 100% disability or death: 100% of insured sum. Benefit right arises when functional impairment has lasted at least 1 year. Passengers must be wearing a seatbelt.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement stated in the Kasko package terms. Standard conditions require the driver to hold a valid driving licence for the relevant vehicle category (clause 97). Driving under the influence of alcohol, narcotics or other intoxicants voids coverage (clause 98).
repair_network_requirements
During the vehicle's manufacturer warranty period, repairs are based on costs at an authorised dealer. Once the general warranty has expired (but bodywork warranty still applies), Seesam is not obliged to cover new OEM parts or dealer repair costs. For Superkasko, repairs are always carried out at an authorised dealer. For Kasko, the policyholder may choose any repair shop agreed with Seesam; Seesam's liability is limited to reasonable, necessary and justified costs equivalent to Estonian market rates.
territorial_scope
Standard territory: Europe excluding Russia, Ukraine, Belarus, Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey. Extended territory option also covers Russia (west of the Urals), Ukraine and Belarus, but still excludes Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Turkey, Ingushetia, Chechnya, Ossetia and Dagestan. Damage occurring outside the agreed territory is not covered. Selected territory is noted on the policy.
anti_theft_requirements
When leaving the vehicle, the engine must be switched off, all doors, windows, roof hatch and other openings must be locked and closed, and any security devices must be activated (clause 105). Vehicle keys must be stored with sufficient care to prevent third parties from accessing them (clause 106). Keys must not be voluntarily handed to strangers or intoxicated persons (clause 108). Vehicles with incomplete key sets must have an immobiliser installed or re-coded (clause 109). Defects in locking or anti-theft systems must be repaired as soon as possible (clause 111).
claim_notification_deadline
The policyholder must notify Seesam immediately of any possible insured event and follow Seesam's instructions (clause 127). A written damage claim describing the circumstances of the insured event in detail must be submitted to Seesam within 3 months of the initial damage notification (clause 128). In cases of theft or robbery, all vehicle keys must be submitted together with the claim (clause 129). Seesam must make a claims decision within 10 business days of receiving all required documents; for theft/robbery within 1 month (clause 135).
deductible_rules
The deductible is the policy-specified portion of the loss that Seesam does not cover (clause 174). The base deductible starts from EUR 220 (per insured event, per vehicle). For theft/robbery, the deductible is a policy-specified percentage of the loss, but not less than the base deductible. Triple deductible (min EUR 600) applies if vehicle is used for taxi, ride-sharing, courier, short-term rental, alarm, security or operational services without a policy notation, including for wild animal collisions and natural disasters. Zero deductible applies for: wild or farm animal collisions (excluding birds), roadside assistance events, and (Superkasko only) natural disasters exceeding EUR 1,000. Glass damage outside Estonia, Latvia and Lithuania incurs a 10% deductible. Window insurance add-on allows choice of EUR 0 or 10% deductible.
Where to buy
Policy specifics
Window insurance
Optional additional cover for glass damage from breakage of passenger compartment glass
Luggage and pet insurance
Optional additional cover indemnifying damage to luggage and pets in the vehicle
Technical fault cover
Cover for unexpected and unforeseen technical faults in engine and related systems
New value insurance
Cover for damage compensation based on new purchase price rather than depreciated value
Vehicle replacement cost
Cover for vehicle replacement or change costs in case of theft or total loss
Deductible (excess) structure
Casco package includes base deductible starting from EUR 220 with various options
Coverage territory
Insurance coverage applies in Europe with specific territorial exclusions
Vehicle age requirement
Casco package is suitable for vehicles aged 6 years and older
Prohibited vehicle uses
Insurance does not cover certain types of vehicle use classified as non-standard use
Towing service cost limits
Casco package includes towing service with specified cost limits by region