Motor third-party liability — Estonia

[1] Bodily injury liability: €6,450,000 ↩

Statutory maximum compensation for personal injury, health damage or death caused to third parties per insured event in Estonia is EUR 6,450,000, regardless of the number of victims, as set out in the Estonian Motor Third Party Liability Insurance Act (LKindlS §51).

[2] Property damage liability: €1,300,000 ↩

Statutory maximum compensation for damage to or destruction of property per insured event in Estonia is EUR 1,300,000, regardless of the number of victims, as set out in the Estonian Motor Third Party Liability Insurance Act (LKindlS §51).

[3] Legal defence: See details ↩

Not stated as part of Balcia's MTPL policy.

[4] Green card: Covered ↩

Balcia's MTPL policy is valid within the EEA and Switzerland automatically, and a Green Card is issued to extend proof of cover to other Green Card system countries outside these regions.

See kehtib automaatselt Euroopa Majanduspiirkonna riikides ja Šveitsis ning võimaldab neis liigelda ilma täiendavate dokumentideta. Roheline kaart on aga rahvusvaheline liikluskindlustuse laiendus, mida on vaja väljaspool Euroopa Liitu teatud riikides, kus Eesti tavapoliis ei ole tunnustatud.

[5] Passenger accident: See details ↩

No separate passenger accident cover is stated in Balcia's available MTPL materials.

[6] Bodily injury liability: €6,450,000 ↩

Compensation limit for bodily injury or death caused by the insured vehicle in an accident occurring in Estonia is EUR 6,450,000 per accident, effective from 15 July 2024.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[7] Property damage liability: €1,300,000 ↩

Compensation limit for property damage caused by the insured vehicle in an accident occurring in Estonia is EUR 1,300,000 per accident, effective from 15 July 2024.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[8] Legal defence: See details ↩

Not mentioned as a benefit of the mandatory MTPL policy in the available sources.

[9] Green card: Covered ↩

BTA issues an international Green Card, proving MTPL coverage, free of charge; it is not required within EEA countries or Switzerland, and coverage under the Green Card is void in Russia and Belarus since 1 June 2023.

Roheline kaart väljastatakse poliisi kehtivuse ajaks tasuta ning see on vajalik vaid siis, kui soovid reisida järgnevatesse riikidesse: Ukraina, Suurbritannia, Albaania, Andorra, Aserbaidžaan, Bosnia ja Hertsegoviina, Iisrael, Makedoonia, Maroko, Moldova, Montenegro, Serbia, Tuneesia, Türgi.

[10] Passenger accident: See details ↩

Not mentioned as a separate benefit of the mandatory MTPL policy in the available sources.

[11] Bodily injury liability: €6,450,000 ↩

Statutory personal injury indemnity limit under the Motor Insurance Act, applicable to all MTPL contracts including Elama's, currently EUR 6.45 million per claim.

Isikukahju piirmäär tõusis 6,45 miljoni euroni (varem 5,6 miljonit).

[12] Property damage liability: €1,300,000 ↩

Statutory property damage indemnity limit under the Motor Insurance Act, applicable to all MTPL contracts including Elama's, currently EUR 1.3 million per claim.

Asjakahju piirmäär tõusis 1,3 miljoni euroni (varem 1,2 miljonit).

[13] Legal defence: See details ↩

Not part of Elama's MTPL cover.

[14] Green card: Covered ↩

MTPL cover extends to other Green Card countries when a green card is issued; a physical green card must be carried when traveling to those countries.

Liikluskindlustus kehtib Eestis, Euroopa Majanduspiirkonnas ja Šveitsis. Rohelise kaardi olemasolul laieneb kaitse ka teistesse kaardil märgitud riikidesse.

[15] Passenger accident: See details ↩

Not part of Elama's MTPL cover.

[16] Bodily injury liability: €6,450,000 ↩

Compensation for personal injury caused to a third party in a traffic accident occurring in Estonia, up to EUR 6,450,000 per insured event.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot.

[17] Property damage liability: €1,300,000 ↩

Compensation for damage to a third party's property caused in a traffic accident occurring in Estonia, up to EUR 1,300,000 per insured event.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot.

[18] Legal defence: Optional ↩

Optional additional cover for the insured's legal interests in disputes arising from contractual obligations, property rights, and non-contractual disputes related to the insured vehicle; a legal-advice phone line with lawyers is available. The sum insured is specified in the individual policy.

õigusabikulude kindlustuse lisakaitsega on kaetud kindlustatud isiku õiguslikud huvid vaidlustes, mis tulenevad kindlustatud sõidukiga seotud võlaõiguslikest lepingutest, samuti asjaõiguslikud vaidlused ja lepinguvälised vaidlused.

[19] Green card: Covered ↩

The Green Card is a policy document proving that cover extends beyond Estonia and other EEA contracting states to third countries listed on the card; issued by ERGO to the policyholder or the nominated insured person upon request.

Roheline kaart on poliis, mis tõendab kindlustuskaitse kehtimist peale Eesti ja teiste Euroopa Majanduspiirkonna lepinguriikide ka rohelisel kaardil märgitud kolmandas riigis. Kindlustusvõtja taotlusel väljastab kindlustusandja rohelise kaardi kindlustusvõtjale või kindlustusvõtja nimetatud kindlustatud isikule.

[20] Passenger accident: See details ↩

ERGO offers no passenger accident cover with MTPL; its optional accident cover applies to the driver only. Injured passengers claim as third parties under bodily injury liability.

[21] Bodily injury liability: €6,450,000 ↩

Statutory limit under the new Motor Insurance Act (effective from 15 July 2024): EUR 6,450,000 per accident for personal injury/death claims, regardless of the number of injured persons; limits are reviewed annually and adjusted.

[22] Property damage liability: €1,300,000 ↩

Statutory limit under the new Motor Insurance Act (effective from 15 July 2024): EUR 1,300,000 per accident for property damage claims; limits are reviewed annually and adjusted.

[23] Legal defence: See details ↩

Not addressed as a separate benefit in the available sources for this product.

[24] Green card: Covered ↩

Green Card is issued electronically as a PDF and confirms MTPL coverage validity abroad in EEA countries, Switzerland, and other Green Card agreement countries; can be printed or requested by mail before travel. Validity restricted for Russia and Belarus since 12 April 2022.

[25] Passenger accident: See details ↩

Not addressed as part of this MTPL product in the available sources.

[26] Bodily injury liability: €6,450,000 ↩

The insurance sum for bodily injury (death, permanent disability, medical costs) caused to a third party in Estonia is EUR 6,450,000 per insured event, regardless of the number of injured persons, for incidents from 15 July 2024 onward (EUR 5,600,000 before that date).

asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[27] Property damage liability: €1,300,000 ↩

The insurance sum for property damage caused to a third party in Estonia is EUR 1,300,000 per insured event for incidents from 15 July 2024 onward (EUR 1,200,000 before that date).

asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[28] Legal defence: See details ↩

Not part of If's MTPL cover.

[29] Green card: Covered ↩

Ordering a Green Card is free of charge while the traffic insurance policy is valid; since 1 July 2020 it is issued as a PDF sent by email rather than a printed green document, and it can also be printed at home if needed.

Rohelise kaardi saad tellida, saates Ifile avalduse iseteeninduse kaudu või helistades kindlustustelefonil 777 1211. Rohelise kaardi tellimine on kehtiva liikluskindlustuse ajal tasuta. Alates 01.07.2020 ei ole vajadust rohelist kaarti enam rohelisele paberile trükkida ja If saadab selle pdf-formaadis e-mailile. Soovi korral saab selle ise tavalisele printeripaberile välja trükkida.

[30] Passenger accident: See details ↩

Not part of If's MTPL cover.

[31] Bodily injury liability: €5,600,000 ↩

For an insured event occurring in Estonia, the sum insured for personal injury (bodily injury) is EUR 5,600,000 per event.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot

[32] Property damage liability: €1,200,000 ↩

For an insured event occurring in Estonia, the sum insured for property damage is EUR 1,200,000 per event.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot

[33] Legal defence: See details ↩

[34] Green card: Covered ↩

Coverage extends to countries listed on the Green Card in addition to EEA states and Switzerland, including Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine and the United Kingdom; Green Cards issued in Estonia do not cover Russia and Belarus as of 1 June 2023.

Kindlustuskaitse kehtib Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides - Albaanias, Andorras, Bosnias ja Hertsegoviinas, Iisraelis, Makedoonias, Marokos, Moldovas, Montenegros, Serbias, Tuneesias, Türgis, Ukrainas ja Suurbritannias. Oluline teada. Eestis kindlustusandjate välja antud rohelised kaardid ei kehti Venemaal ja Valgevenes alates 1. juunist 2023 a.

[35] Passenger accident: See details ↩

[36] Bodily injury liability: €6,450,000 ↩

The insured sum for an insured event occurring in Estonia is EUR 6,450,000 for personal injury.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[37] Property damage liability: €1,300,000 ↩

The insured sum for an insured event occurring in Estonia is EUR 1,300,000 for property damage.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[38] Legal defence: See details ↩

This MTPL policy does not include a separate legal expenses benefit.

[39] Green card: Covered ↩

International motor third party liability card recommended to carry when driving outside Estonia; coverage extends to EEA states, Switzerland, and other countries designated on the green card.

Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.

[40] Passenger accident: See details ↩

This MTPL policy does not include a separate passenger accident benefit.

[41] Bodily injury liability: €5,600,000 ↩

The insured sum for an insured event that occurred in Estonia is EUR 5,600,000 in case of personal injury or death.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot.

[42] Property damage liability: €1,200,000 ↩

The insured sum for an insured event that occurred in Estonia is EUR 1,200,000 in case of property damage.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot.

[43] Legal defence: See details ↩

Not included in this MTPL policy.

[44] Green card: Covered ↩

Coverage is valid in EEA member states, Switzerland, and other countries listed on the Green Card.

Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.

[45] Passenger accident: See details ↩

Not included in this MTPL policy.

[46] Bodily injury liability: €6,450,000 ↩

For an insured event occurring in Estonia, the coverage sum for death, health damage or bodily injury is EUR 6,450,000, regardless of the number of injured persons.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[47] Property damage liability: €1,300,000 ↩

For an insured event occurring in Estonia, the coverage sum for destruction of or damage to property is EUR 1,300,000.

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[48] Legal defence: See details ↩

This MTPL policy does not separately mention or include a distinct legal expenses coverage benefit.

Kindlustatud on vastutus poliisil märgitud sõidukiga kindlustusjuhtumi läbi tekitatud kahju eest kahju põhjustanud sõidukijuhi ravikulu raviasutuses Kindlustusjuhtum on kolmandale isikule kindlustuskohustusega hõlmatud sõidukiga kahju tekitamine sõiduki transpordivahendina kasutamise käigus. Enamlevinud kindlustusjuhtum on liiklusõnnetus Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot Lisakaitsena on kindlustatud poliisile märgitud sõiduauto, väikeveoki, mootorratta või mopeedi pukseerimiskulud (limiit 250 eurot).

[49] Green card: Covered ↩

Coverage extends to countries marked on the green card. Policyholders with a valid policy can download and print the green card themselves via self-service, or request it by email; a green card is required for driving in specific non-EEA countries.

Sisenedes iseteenindusse , saad kehtiva liikluskindlustuse poliisi korral rohelise kaardi ise alla laadida ja välja printida. Kui annad oma soovist teada siin või kirjutad [email protected] , saadame pdf dokumendi, mille võib kodus ise printida.

[50] Passenger accident: Covered ↩

Passengers injured in an accident are compensated as third parties under the vehicle holder's civil liability coverage, within the overall bodily injury liability coverage sum.

Kindlustusjuhtum on kolmandale isikule kindlustuskohustusega hõlmatud sõidukiga kahju tekitamine sõiduki transpordivahendina kasutamise käigus. Enamlevinud kindlustusjuhtum on liiklusõnnetus Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot

[51] Bodily injury liability: Covered ↩

Compulsory Traffic Insurance covers you if you cause bodily injury to others with your vehicle; the exact limit is not stated on the source page.

[52] Property damage liability: Covered ↩

Compulsory Traffic Insurance covers you if you cause property damage to others with your vehicle; the exact limit is not stated on the source page.

[53] Legal defence: See details ↩

Not mentioned on the provided Swedbank source pages.

[54] Green card: See details ↩

Not mentioned on the provided Swedbank source pages.

[55] Passenger accident: See details ↩

Not mentioned on the provided Swedbank source pages.