Swedbank
Swedbank is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
Claims are processed through Swedbank's internet bank. In urgent situations, the 24/7 claims helpline (888 2111) can be contacted. Roadside assistance is available 24/7 across Europe. Direct repair at partner workshops is available; Swedbank coordinates the claims process.
Geographic scope
EE
Eesti ja Euroopa (v.a Venemaa, Valgevene, Ukraina, Moldova, Gruusia, Armeenia, Aserbaidžaan ja Türgi autoabi jaoks)
Unique selling points
- Zero deductible on all glass damage (repair and replacement) for passenger cars and vans – a standout feature not universally offered by competitors.
- Zero deductible on animal and bird collisions for vehicles up to 3.5 t GVW, provided the authority is notified – rare in the Estonian market.
- 24/7 roadside assistance included across all of Europe as a core benefit, not a paid add-on, covering fuel delivery, unlocking, tyre changes and towing.
- Monthly premium payment at no extra cost – the full annual price is unchanged, offering flexible budgeting with no surcharge.
- AI-powered pre-contract vehicle inspection via DriveX integration enables faster digital contract conclusion and smoother claims processing.
Coverage limits
Own vehicle damage (accident)
Covered
All-risk insurance covering any unexpected event that damages or destroys the vehicle, except for exclusions stated in the policy conditions (e.g. intoxicated or unlicensed driver). Covers traffic accidents, road departures, parking dents, and collisions. In a total loss or theft, Swedbank pays the higher of the agreed policy value or market value before the incident.
Total loss
Covered
In the event of total loss or theft, Swedbank pays the higher of the agreed policy vehicle value or the market price immediately before the loss. No separate sub-limit stated; indemnity is tied to the insured sum agreed at policy inception.
Partial loss / repair
Covered
Covers repair costs for partial damage from any unexpected insured event. A deductible chosen at policy inception applies to most partial-loss claims (e.g. traffic accidents, parking damage). No sub-limit stated; indemnity is bounded by the insured sum.
Theft and robbery
Covered
Covers vehicle theft and robbery under both standard and elite casco packages. Indemnity equals the higher of the agreed insured value or market value before the event. Vehicle must be insured (locked and secured) at time of theft.
Glass damage (zero deductible)
Covered
Glass repair and replacement for passenger cars and vans (up to 3.5 t GVW) is covered with zero deductible. This is a key differentiator versus competitors. No coverage sub-limit stated; bounded by insured sum.
Natural perils (storm, flood, hail, falling tree)
Covered
Covers damage caused by natural events such as storms, hail, floods, and trees falling on the vehicle. Included in both standard and elite casco packages. Standard deductible applies.
Vandalism
Covered
Covers intentional damage (vandalism) to the vehicle. Included in both standard and elite casco packages. Standard deductible applies. Police report may be required.
24/7 roadside assistance in Estonia and Europe
Covered
Round-the-clock roadside assistance included with casco. Available throughout Estonia and all European countries except Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan and Turkey. Services include fuel delivery, vehicle unlocking, tyre changes and towing to nearest workshop. Included in both standard and elite packages.
Replacement vehicle (optional add-on)
Optional
Optional add-on providing a daily allowance (30 or 60 EUR/day, chosen at contract conclusion) for alternative transport (rental car, taxi, public transport, or e-scooter) while the insured vehicle is under repair. Not included in the base casco; must be selected separately.
Driver and passenger accident insurance (elite casco only)
Optional
Accident insurance for the driver and passengers is included in the elite casco package. It provides a benefit if the driver or passengers are injured in an accident resulting in incapacity for work or death. Not included in the standard casco package.
Key conditions
driver_age_experience_limit
No minimum driver age explicitly stated in the sources for the standard casco product. The driver's age and claims history influence the premium. Vehicles up to 14 years old are insurable.
repair_network_requirements
No mandatory repair network is stated for the standard casco. Claims can be filed online via internet banking. For elite casco, repairs can be done at an authorised dealer/manufacturer-approved workshop. Swedbank coordinates the repair process.
territorial_scope
The casco insurance covers the vehicle throughout Europe. Roadside assistance (autoabi) is available 24/7 across Europe, excluding Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan and Turkey.
anti_theft_requirements
No explicit anti-theft device requirement stated in publicly available sources. However, presence of alarms, immobilisers and tracking systems may positively influence the premium. The vehicle must have been locked at the time of theft for a theft claim.
claim_notification_deadline
Claims should be reported as soon as possible via internet banking or by calling the 24/7 helpline (888 2111). For theft or vandalism, a police report is required. For animal collision, the relevant authority (e.g. 1247 for injured large game) must be notified.
deductible_rules
The deductible amount is chosen by the policyholder at contract conclusion – higher deductible means lower monthly premium and vice versa. Zero deductible applies to glass damage (repair and replacement for passenger cars and vans up to 3.5 t GVW). Zero deductible also applies to collisions with animals and birds for vehicles up to 3.5 t GVW, provided the relevant authority has been notified. Standard deductible applies to traffic accidents, road departures, parking damage, vandalism, natural perils, and theft.
Where to buy
Documents
Kaskokindlustuse tooteleht – Swedbank (ET)
other
Policy specifics
Glass deductible
Zero deductible for glass damage is a distinctive feature of Swedbank Casco
Monthly payment option
Ability to pay insurance premium monthly without additional surcharge
Animal collision coverage
Coverage for damage caused by collision with animals and birds, mentioned in blog content as having zero deductible
Comprehensive coverage with standard exclusions
Covers all unexpected events except those listed in policy conditions (e.g., intoxicated driver, unlicensed driver)
Replacement vehicle option
Option to add replacement vehicle use while own vehicle is under repair