Elama Kindlustus AS
Elama
Elama is a motor third-party liability insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
Policyholders can always turn to their own insurer for compensation, which then recovers the amount from the at-fault party's insurer.
Geographic scope
Estonia
Valid in Estonia, the European Economic Area, and Switzerland; extends to other Green Card countries if a green card is issued.
Unique selling points
- Optional add-on covers damage from collisions with animals or birds, beyond the statutory MTPL scope.
- If the insured vehicle cannot be used after a claim, Elama's claims handler arranges a replacement vehicle through partner networks.
- 24/7 roadside assistance can be added to MTPL policies and works both in Estonia and abroad.
- Premiums can be split into monthly, quarterly, or semi-annual instalments instead of a single annual payment.
- Instant online price calculation and purchase through Elama's MTPL calculator.
Coverage limits
Bodily injury liability
€6,450,000
Statutory personal injury indemnity limit under the Motor Insurance Act, applicable to all MTPL contracts including Elama's, currently EUR 6.45 million per claim.
Property damage liability
€1,300,000
Statutory property damage indemnity limit under the Motor Insurance Act, applicable to all MTPL contracts including Elama's, currently EUR 1.3 million per claim.
Green Card
Covered
MTPL cover extends to other Green Card countries when a green card is issued; a physical green card must be carried when traveling to those countries.
24/7 Roadside assistance
Optional
24/7 roadside assistance (towing, battery/tyre/fuel/key issues, vehicle extraction) available in Estonia and abroad; free for casco clients, available for a fee for MTPL clients.
Key conditions
Territorial scope
Cover is valid in Estonia, the European Economic Area and Switzerland; policyholders must inform the insurer of any change in the vehicle's usage area.
Green card rules
A green card extends cover to additional countries listed on the card; a physical green card must be carried when traveling to those countries even though the base policy can be shown digitally.
Driver restrictions
No specific named-driver restrictions found for Elama MTPL; under Estonian law (Liikluskindlustuse seadus), mandatory traffic insurance (liikluskindlustus) coverage generally applies regardless of which driver is operating the insured vehicle, unlike casco/voluntary policies where driver-related exceptions may apply.
Claim notification deadline
Notify the insurer of the loss event as soon as possible; MTPL claims can be reported online via avarii.ee, and the insurer must process the claim within 30 days of notification.
Bonus-malus rules
Previous insurance and claims history affects the premium; a long claim-free history results in a lower price, and foreign claims history can be considered upon presenting a certificate from the relevant country's MTPL fund.
Where to buy
Documents
MTPL important information and terms hub (pre-contractual information, IPID dated 01.12.2024, additional cover terms dated 01.11.2024)
Other document
Policy specifics
Animal collision
Coverage for damage caused by collision with animals (moose, other large animals)
SourceReplacement vehicle
Coverage for replacement vehicle costs if the insured vehicle cannot be used due to an insured event
SourceCoverage territory
Motor third party liability insurance is valid in Estonia, the European Economic Area, and Switzerland; extends to other Green Card countries if green card is issued
SourceUse area and business use restrictions
Policyholders must disclose primary vehicle usage (private use only vs. professional services like taxi, courier); vehicle use outside declared purposes may void coverage
SourceClaim notification requirement
Policyholders must notify insurer of loss events as soon as possible, preferably within five business days; Estonia allows online reporting via avarii.ee portal
SourcePolicy document carry requirement
In Estonia, physical policy document is not mandatory; digital version (e.g., on mobile phone) is sufficient; however, physical green card is required when traveling to green card countries
SourceWorking equipment use exclusion
MTPL does not cover damage when vehicle is used as a working tool (e.g., stationary excavator digging) rather than for transport; separate working equipment insurance required
Source