AAS BTA Baltic Insurance Company Estonian Branch
BTA
BTA is a motor third-party liability insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
Policyholders may choose to claim compensation directly from BTA instead of the liable party's insurer, provided there is no personal injury, the incident occurred in Estonia, the indemnity is under EUR 10,000, and liability is clear; otherwise the claim must be filed with the liable party's insurer.
Geographic scope
Estonia
Coverage applies in European Economic Area contracting states, the Swiss Confederation, and other countries marked on the Green Card.
Unique selling points
- Buying MTPL together with Casco gives a 10% discount on the combined policies.
- BTA offers a 24/7 customer support hotline for reporting accidents and claims.
- BTA arranges free towing of the damaged vehicle to a partner repair shop after an accident.
- A replacement vehicle can be provided free of charge while the car is being repaired at a partner workshop.
- The policy can be fully quoted and issued online in a self-service flow.
Coverage limits
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.
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.
Legal Defence
No limit stated
Not mentioned as a benefit of the mandatory MTPL policy in the available sources.
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.
Roadside Assistance
No limit stated
No standalone roadside-assistance benefit with a stated coverage limit was found for the MTPL policy in the available sources; BTA does arrange free towing of the vehicle as part of accident claims handling.
At-Fault Driver's Treatment Costs
Covered
The treatment costs incurred at a medical institution by the driver who caused the accident are covered under the mandatory MTPL policy, with no separate limit stated apart from the general bodily-injury limit.
Passenger Accident
No limit stated
Not mentioned as a separate benefit of the mandatory MTPL policy in the available sources.
Key conditions
Territorial scope
Coverage applies in European Economic Area contracting states, the Swiss Confederation, and other countries marked on the Green Card.
Green card rules
The Green Card is issued free of charge and proves MTPL coverage for travel outside the EEA; it is not required for EEA countries or Switzerland, and coverage under it is void in Russia and Belarus since 1 June 2023.
Driver restrictions
The sources do not specify age- or experience-based driver restrictions; however, the policy defines the vehicle's approved use (e.g. standard private use versus courier, taxi or rental use), and any change of usage must be reported to BTA and may require a special notation on the policy.
Claim notification deadline
A claim for compensation must be submitted within 30 days of the accident occurring.
Bonus-malus rules
Premiums typically increase in the following year after a claim and may decrease if no claims occurred in the preceding period; claims history is visible to all insurance market participants, so claims with one insurer can affect premiums at another.
Where to buy
Policy specifics
Green Card for International Travel
International document proving MTPL insurance coverage for travel outside European Economic Area countries
SourceVehicle Usage Restrictions
MTPL policy specifying standard passenger vehicle use cannot be used for courier, taxi, or rental services without special conditions
SourceDirect Compensation by BTA (Optional)
Policyholder may choose to claim directly from BTA instead of liable party's insurer, subject to specific conditions
SourceSource no longer reachableStatutory Minimum Coverage Limits (as of 15 July 2024)
Under Motor Third-Party Liability Insurance Act, €1,300,000 per accident for property damage and €6,450,000 per accident for bodily injury or death
SourceAccident Reporting Deadline
Claim for compensation for damage must be submitted within 30 days of the accident occurrence
SourceSource no longer reachable