Motor third-party liability — Estonia

Swedbank is Estonia's largest universal bank offering retail and corporate clients a wide range of banking, financing, investment, and insurance services. Insurance is provided through two subsidiaries: Swedbank P&C Insurance AS (non-life, founded 2006) and Swedbank Life Insurance SE (life insurance, established 1997), both part of the Swedish Swedbank AB group.

If P&C Insurance AS is the leading non-life insurer in the Baltic region, registered in Estonia and operating through branches in Latvia and Lithuania. Part of the Nordic Sampo Group, it offers a comprehensive range of property and casualty insurance products to private and corporate clients.

ERGO is one of the leading insurance groups in the Baltic states, offering a broad range of non-life, life and health insurance products for private and corporate clients. Two companies operate under the ERGO name in Estonia: ERGO Insurance SE (non-life) and ERGO Life Insurance SE Eesti filiaal (life/health). ERGO belongs to the Munich Re group.

Seesam is the brand name of Compensa Vienna Insurance Group, ADB Eesti Filiaal, a non-life insurer operating in Estonia since 1991. It is owned by Vienna Insurance Group (VIG), one of the largest listed international insurance groups in Central and Eastern Europe. Seesam offers a wide range of insurance products for private and corporate clients, including motor, home, travel, accident, pet, small vessel, and business insurance. It is the most recommended insurance company in Estonia according to Kantar Emor's 2024 NPS survey.

Gjensidige is a non-life insurance branch operating in Estonia as a branch of the Lithuanian joint-stock insurance company ADB Gjensidige (formerly part of Gjensidige Forsikring ASA, Norway). As of January 2, 2026, Gjensidige in the Baltic states has merged with ERGO Group, with the final legal merger planned for end of 2026. It offers motor, property, travel, accident, and business insurance products.

If P&C Insurance AS is the leading non-life insurer in the Baltic region, registered in Estonia and operating through branches in Latvia and Lithuania. Part of the Nordic Sampo Group, it offers a comprehensive range of property and casualty insurance products to private and corporate clients.

Swedbank is Estonia's largest universal bank offering retail and corporate clients a wide range of banking, financing, investment, and insurance services. Insurance is provided through two subsidiaries: Swedbank P&C Insurance AS (non-life, founded 2006) and Swedbank Life Insurance SE (life insurance, established 1997), both part of the Swedish Swedbank AB group.

ERGO is one of the leading insurance groups in the Baltic states, offering a broad range of non-life, life and health insurance products for private and corporate clients. Two companies operate under the ERGO name in Estonia: ERGO Insurance SE (non-life) and ERGO Life Insurance SE Eesti filiaal (life/health). ERGO belongs to the Munich Re group.