BTA Motor third-party liability (Mtpl Standard)
Underwritten by BTA Baltic Insurance Company · Estonia
motor third-party liability insurance from BTA for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2014-10-01Sources
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.
The policy can be fully quoted and issued online in a self-service flow.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
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.
Section: Liikluskindlustuse lisainformatsioon > Mis on roheline kaart?
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.
Roadside Assistance
Optional
No limit stated
Available as an optional add-on (BTA Autoabi): 24/7 technical assistance, fuel delivery, transport of the vehicle and passengers, and a replacement car, under terms no. 19.Autoabi.01.
Section: Liikluskindlustus > Vali BTA Autoabi lisakaitse
BTA autoabi kaitseb Sind teel olles 24/7, pakkudes ootamatutes olukordades tehnilist abi, mootorikütuse kohale toomist, sõiduki ja reisijate transporti ning asendusautot.
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.
Section: Mida kindlustatakse?
kahju põhjustanud sõidukijuhi ravikulu raviasutuses
Key conditions
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
Notify BTA of a traffic accident without delay and follow its instructions.
SourcePage 1Section: Millised on minu kohustused?
Kindlustusandjat tuleb liiklusõnnetusest viivitamata teavitada ja järgida tema juhiseid
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.
Territorial scope
Coverage applies in European Economic Area contracting states, the Swiss Confederation, and other countries marked on the Green Card.
Documents
Policy specifics
Green Card for International Travel
International document proving MTPL insurance coverage for travel outside European Economic Area countries
SourceSection: Liikluskindlustuse lisainformatsioon > Mis on roheline kaart?
Roheline kaart on rahvusvaheline dokument, mis kinnitab liikluskindlustuse olemasolu välismaale reisides.
Vehicle Usage Restrictions
MTPL policy specifying standard passenger vehicle use cannot be used for courier, taxi, or rental services without special conditions
SourceSection: Liikluskindlustuse lisainformatsioon > Mis on liikluskindlustus?
Oluline on meeles pidada, et kui liikluskindlustuse poliisil on märgitud kasutusalaks tavasõiduk, ei tohi sõidukit kasutada eritingimusi nõudvateks tegevusteks, näiteks kuller-, takso- või renditeenused.
Direct 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
SourceSection: Lisainfo ja kindlustustingimused
asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot, kui juhtum toimus 15. juulil 2024 või hiljem
Accident Reporting Deadline
Claim for compensation for damage must be submitted within 30 days of the accident occurrence
SourceSource no longer reachableSources
- bta.eehttps://www.bta.ee/ari/autokindlustus/numbrimark(opens in a new tab)
- bta.eehttps://www.bta.ee/claims/mtpl(opens in a new tab)Source no longer reachable
- bta.eehttps://www.bta.ee/era/liikluskindlustus(opens in a new tab)
- bta.eehttps://www.bta.ee/userfiles/files/IPID_Teabedokument_liikluskindlustus_EST.pdf#page=1(opens in a new tab)
- bta.eehttps://www.bta.ee/userfiles/files/est_sidevaendi_abil_solmitud_liikluskindlustuse_lepingu_teave_EE.pdf#page=1(opens in a new tab)
BTA Motor third-party liability