Balcia Insurance SE Estonian Branch
Balcia
Balcia is a motor third-party liability insurance for the Estonia market with online purchase and limited assistance availability.
Direct payment
Following amendments to the Estonian Motor Third Party Liability Insurance Act, an injured party can settle a claim directly with their own insurer instead of the at-fault party's insurer.
Geographic scope
Estonia
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.
Unique selling points
- Subscription-based MTPL that can be conveniently started or paused as needed ('Freedom of subscription').
- Get a personalized MTPL price quote online in about 60 seconds.
- MTPL policies can be taken out for a freely chosen period starting from just one day.
- Manage and check the validity of your MTPL policy conveniently through the Balcia mobile app.
Coverage limits
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).
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).
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.
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.
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.
Key conditions
Territorial scope
Cover applies automatically in Estonia and all EEA member states plus Switzerland; a Green Card is required to prove cover in additional Green Card system countries outside the EEA/Switzerland.
Green card rules
A Green Card is required when driving to Green Card system countries outside the EEA and Switzerland; Green Card membership for Russia and Belarus has been suspended since mid-2023, and for Iran since January 2024.
Driver restrictions
Not specified in the available Balcia sources; general Estonian MTPL rules apply regardless of who is named on the vehicle registration certificate.
Claim notification deadline
Not specified in the available Balcia sources.
Bonus-malus rules
Not specified in the available Balcia sources.
Where to buy
Documents
Legal documents & policy conditions repository (incl. IPID MTPL)
Other document
Policy specifics
Sources
- https://legal.ee/seadused/LKindlS
- https://minuraha.ee/et/kindlustus/liikluskindlustus
- https://www.balcia.ee/en/blog/mis-on-autoabi
- https://www.balcia.ee/en/blog/roheliine-kaart
- https://www.balcia.ee/en/faq
- https://www.balcia.ee/en/products/auto/step1
- https://www.lkf.ee/en/insurance-practices/compulsory-motor-insurance