BTA
BTA is a motor third-party liability insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
From 1 January 2015, the injured party of a traffic accident may turn to their own insurer for direct compensation. BTA can compensate directly if the claim is submitted within 30 days, no personal injury occurred, the place of use is Estonia, the indemnity does not exceed 10,000 EUR, and the circumstances and liability are clear.
Geographic scope
EE
Valid in the Republic of Estonia, all Contracting States of the European Economic Area (EU member states, Iceland, Liechtenstein, Norway), the Swiss Confederation, Andorra, Serbia, and other countries listed on the Green Card
Unique selling points
- BTA MTPL policy activates within 1 hour of online purchase, enabling immediate legal road use without visiting a branch.
- Damaged vehicles can be taken directly to a repair shop without prior presentation to BTA claims handling, streamlining the repair process.
- 24/7 BTA Autoabi roadside assistance is available as an optional add-on with MTPL, providing towing, fuel delivery, replacement car rental for up to 3 days, and more via a single call to +372 5 68 68 668.
- Purchasing MTPL together with Casco insurance online provides a 10% discount and includes BTA Autoabi roadside assistance free of charge.
- Green Card is issued free of charge for the full policy duration, enabling hassle-free international travel beyond the EEA without additional cost.
Coverage limits
Personal Injury Liability
Covered
Covers liability for personal injury caused to third parties by the insured vehicle in a traffic accident. The insurance sum for incidents occurring in Estonia is 6,450,000 EUR per insured event. Also covers the at-fault driver's medical treatment costs at a medical institution.
Property Damage Liability
Covered
Covers liability for property damage caused to third parties by the insured vehicle in a traffic accident. The insurance sum for incidents occurring in Estonia is 1,300,000 EUR per insured event.
Legal Defence
Excluded
Legal defence coverage is not offered as part of BTA's standard MTPL product in Estonia. It is not mentioned in the IPID, general terms, or product page.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card is an international document proving the existence of MTPL insurance when traveling abroad. It is issued free of charge for the duration of the policy validity. Required for travel to countries outside the EEA, such as Ukraine, United Kingdom, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, and Turkey. As of 1 June 2023, Green Cards issued for Estonian vehicles are no longer valid in Russia and Belarus; border insurance must be purchased instead.
Roadside Assistance (BTA Autoabi)
Optional
Optional 24/7 roadside assistance add-on available with MTPL for passenger cars and vans with a registered mass of up to 3,500 kg. Includes consultation, technical assistance, vehicle recovery from sand/mud/snow, fuel and spare key delivery, tyre change, unlocking blocked doors, vehicle towing, taxi service, replacement car rental for up to three days, and assistance with accident statement forms. BTA roadside assistance is free of charge when purchased together with Casco insurance.
At-fault Driver Medical Costs
Covered
The medical treatment costs of the driver who caused the accident at a medical institution are covered under the MTPL policy. This is a statutory inclusion under the Estonian Motor Insurance Act. A separate standalone driver accident insurance (disability/death benefit) is not part of BTA's base MTPL offering.
Passenger Bodily Injury (Third-Party)
Covered
Passengers in the at-fault vehicle are covered as third parties under the bodily injury liability coverage, up to the 6,450,000 EUR personal injury limit per insured event. A separate standalone passenger accident insurance product is not part of BTA's base MTPL offering.
Key conditions
territorial_scope
Coverage is valid in the Republic of Estonia and all Contracting States of the European Economic Area (EU member states, Iceland, Liechtenstein, Norway), the Swiss Confederation, and other countries listed on the Green Card. For travel within the EEA or Switzerland, the standard MTPL policy suffices; a Green Card is required for travel outside the EEA.
green_card_rules
The Green Card is issued free of charge for the duration of the policy validity. It is required when traveling to countries outside the European Economic Area including Ukraine, United Kingdom, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, and Turkey. As of 1 June 2023, Green Cards issued for Estonian vehicles are no longer valid in Russia and Belarus; specific border insurance must be purchased instead.
driver_restrictions
Any person driving the vehicle listed on the policy may be covered. However, if the policy specifies the vehicle's use as a standard passenger vehicle, the vehicle may not be used for activities requiring special conditions such as courier, taxi, or rental services. Usage outside the specified scope may result in a recourse claim by the insurer against the at-fault party.
claim_notification_deadline
The insurer must be notified of a traffic accident immediately (without delay). The at-fault party must submit the coordinated accident statement to the insurer within five days. For direct compensation claims submitted to the policyholder's own insurer, the claim must be submitted within 30 days of the damage occurring and the indemnity must not exceed 10,000 EUR.
bonus_malus_rules
Premiums are calculated based on the insurance and claims history of the vehicle owner or responsible user, alongside vehicle technical specifications, usage, and population register data. Premiums typically increase in the year following an insurance claim. Conversely, premiums may decrease if no claims were made during the previous period. The motor insurance history is visible to all participants in the Estonian insurance market, so claims made with one insurer can affect premiums with another insurer.
Policy specifics
Road Assistance (BTA Autoabi)
Optional add-on service available with MTPL for vehicles up to 3,500 kg providing 24/7 roadside assistance including technical help, fuel delivery, towing, and replacement vehicle
Vehicle Usage Restrictions
If policy specifies standard passenger vehicle use, vehicle cannot be used for special activities requiring special conditions such as courier, taxi, or rental services
Territory of Cover
Motor insurance coverage valid in Estonia and Contracting States of the European Economic Area including EU countries, Iceland, Liechtenstein, and Norway