Swedbank Casco (own-damage car insurance) (Kaskokindlustus)
Underwritten by Swedbank P&C Insurance AS · Estonia
casco (own-damage car insurance) from Swedbank for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
Zero deductible on glass/windscreen damage.
24/7 roadside assistance included as standard, covering both Estonia and Europe.
Flexible monthly instalments with no surcharge, keeping the total price identical to paying in full.
Guaranteed new original spare parts when repairing vehicles under five years old.
AI-guided smartphone photo documentation via the DriveX partnership speeds up and simplifies concluding the casco contract.
Coverage limits
Own vehicle damage (comprehensive)
Covered
Covers unexpected damage to the insured vehicle, including collisions, animal/bird strikes, vandalism, fire, natural disasters, theft and robbery, up to the sum insured stated on the policy.
Total loss
Covered
A vehicle is treated as a total loss when repair cost exceeds 70% of the insured value (or less, at the insurer's discretion), repair is not justified for road-safety reasons, or the vehicle is stolen; for cars/vans up to 3.5t, the insurer pays the agreed value stated on the policy or the market value if it exceeds that amount.
Partial damage
Covered
Repair costs for partial damage are covered subject to the agreed deductible; for vehicles up to five years old, new original spare parts are used in repairs.
Theft and robbery
Covered
Covers theft or robbery of the insured vehicle; for cars/vans up to 3.5t, the insurer pays the agreed value stated on the policy or the market value if it is higher.
Natural perils
Covered
Covers damage caused by natural disasters (e.g. storm, flooding) as part of the comprehensive casco cover.
24/7 roadside assistance
Covered
24/7 roadside assistance is included as a standard benefit, covering Estonia and Europe.
Replacement vehicle cover
€30 – €60
Optional add-on providing a replacement vehicle while the insured car is being repaired after a claim; the customer chooses a daily benefit limit of either €30 or €60 at contract signing, and may opt for an electric scooter as the replacement vehicle instead of a car.
Section: Kaskoga on alati kindlam
Sellisteks puhkudeks tasub valida juurde asendusauto lisakaitse – päevalimiidi üle (kas 30 või 60 eurot) saad Swedbankis lepingu sõlmimisel ise otsustada.
Key conditions
Driver age and experience limit
No explicit minimum driver age or licence-tenure exclusion is stated; the vehicle owner's age and claims history influence the premium, and the contract is normally concluded for a one-year term.
Repair network requirements
No approved repair-workshop network requirement is stated; however, for vehicles up to five years old, repairs must use new original spare parts.
Anti-theft requirements
No anti-theft device requirement is specified for this product.
Claim notification deadline
No specific claim notification deadline is specified for this product.
Deductible rules
The deductible is agreed at contract signing as either a fixed amount or a percentage of the claim; glass damage has a €0 deductible; collisions with animals or birds carry no deductible for vehicles up to 3.5t; costs of technical faults or routine maintenance (e.g. brake discs/pads) are excluded and borne by the owner.
Direct payment
Swedbank settles claims directly with the repair shop or dealer: after the customer submits photos through the Caroom app, a repair estimate is prepared, which the insurer checks and approves, and a guarantee letter for payment is then sent directly to the dealer or workshop rather than paying the customer in cash.
Territorial scope
24/7 roadside assistance is provided across Estonia and Europe; the exact insured territory is specified on the policy.
Documents
Policy specifics
Glass deductible
Deductible for glass damages is €0, indicating full coverage for glass breakage
SourceComprehensive coverage (all-risks)
CASCO insurance covers unexpected vehicle damage from any unforeseen event, excluding specific conditions
SourceSection: Hinda riske
Swedbanki kaskokindlustus on koguriskikindlustus, mis tähendab, et kindlustus katab kahjud, mille on põhjustanud mis tahes ootamatu sündmus, mille tagajärjel saab sõiduk kahjustada või hävib, välja arvatud mõned tingimustes välja toodud välistused.
Maximum insurable vehicle age
Vehicles up to 14 years old can be insured under Swedbank's casco product
SourceSection: Aasta esimeses pooles enam kui 10 000 kahjuavaldust
Swedbanki kaskokindlustusega on võimalik kindlustada kuni 14-aastaseid sõidukeid.
Pre-contract vehicle condition documentation
Before cover takes effect, the customer must document the vehicle's pre-existing condition with photos, now guided by DriveX's AI-assisted smartphone photo capture
SourceSection: Swedbanki kaskokindlustus ja DriveX alustasid koostööd
Kaskokindlustuse lepingu sõlmimiseks peab klient jäädvustama sõiduki lepingueelse seisukorra, et enne kindlustuskaitse jõustumist oleks olemasolevatest kahjustustest ülevaade. Swedbanki kindlustuse ja DriveX-i koostöös muutub piltide tegemine ja edastamine lihtsamaks, sest tehisintellektiga tarkvara juhendab klienti nutitelefoni abil fotosid tegema.
Monthly payment without surcharge
Insurance can be paid monthly without any additional fees or surcharges
SourceSources
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/autokindlustus/hea-teada-kuidas-kujuneb-kasko-hind(opens in a new tab)
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/drivex-kaskokindlustus-swedbank(opens in a new tab)
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/millest-peaks-ariklient-kaskokindlustust-valides-lahtuma(opens in a new tab)
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/ohtlik-aeg-liikluses-kuidas-kasko-sind-kaitseb(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/private/insurance/car/casco(opens in a new tab)
Swedbank Casco (own-damage car insurance)