Balcia Motor third-party liability (Mtpl)
Underwritten by Balcia Insurance SE · Estonia
motor third-party liability insurance from Balcia for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
Subscription-based MTPL with hassle-free setup and cancellation, at no extra cost ('Freedom of subscription').
Get a personalized MTPL price quote online in seconds.
MTPL policies can be taken out for a period starting from 1 month.
Manage and check the validity of your MTPL policy conveniently through the Balcia mobile app.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
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.
Section: Mis on roheline kaart ja millal on seda vaja? > Mis vahe on liikluskindlustuse poliisil ja rohelisel kaardil?
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.
Roadside Assistance
No limit stated
Not confirmed as included in Balcia's MTPL product; Balcia's own materials indicate roadside assistance (autoabi) is generally not bundled with MTPL and is instead associated with casco or purchased separately.
Section: Milliseid teenuseid autoabi pakub? > Mis on autoabi ja kuidas see töötab?
Liikluskindlustusega seda teenust üldjuhul kaasas ei ole. See ongi liikluskindlustuse ja kasko suur erinevus : liikluskindlustus kaitseb liikluses teisi sinu ümber ja kasko kaitseb sind ennast.
Driver Accident Cover
Conditional
Under the Estonian Motor Third Party Liability Insurance Act, MTPL also functions as accident insurance for the at-fault driver in specific statutory cases, meaning the at-fault driver's own medical costs may in certain circumstances be compensated despite their liability.
Section: Liikluskindlustus > Liikluskindlustuse leping ja poliis
Teatud juhtudel hüvitatakse vaatamata sõidukijuhi vastutusele ka tema enda ravikulud.
Key conditions
Territorial scope
Cover applies in Estonia and all European Economic Area member states plus Switzerland; a Green Card extends cover to other Green Card system countries outside the EEA.
Documents
Policy specifics
Green Card System
International motor insurance system covering cross-border liability claims within European Economic Area
SourceSection: Mis on roheline kaart ja millal on seda vaja? > Mis vahe on liikluskindlustuse poliisil ja rohelisel kaardil?
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.
Third Party Liability Coverage
Mandatory coverage for damage caused by the insured vehicle to third parties (persons, property, health)
SourceSources
- legal.eehttps://legal.ee/seadused/LKindlS(opens in a new tab)
- minuraha.eehttps://minuraha.ee/et/kindlustus/liikluskindlustus(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/blog/mis-on-autoabi(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/blog/roheliine-kaart(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/faq(opens in a new tab)
- balcia.eehttps://www.balcia.ee/en/products/auto/step1(opens in a new tab)
Balcia Motor third-party liability