Elama Motor third-party liability (Liikluskindlustus)
Underwritten by Elama Kindlustus AS · Estonia
motor third-party liability insurance from Elama for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-11-01Sources
Unique selling points
Optional add-on covers damage from collisions with animals or birds, beyond the statutory MTPL scope.
With the optional replacement-car add-on, Elama arranges a replacement vehicle if yours cannot be used for at least one working day after an insured event.
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
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.
Section: Kus liikluskindlustus kehtib?
Liikluskindlustus kehtib Eestis, Euroopa Majanduspiirkonnas ja Šveitsis. Rohelise kaardi olemasolul laieneb kaitse ka teistesse kaardil märgitud riikidesse.
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.
Section: 24/7 Autoabi
Elama autoabi lisakaitse on kaskokindlustuse klientidele tasuta, liikluskindlustuse klientidele saadaval lisatasu eest.
Key conditions
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.
Territorial scope
Valid in Estonia, the European Economic Area, and Switzerland; extends to other Green Card countries if a green card is issued.
Documents
Policy specifics
Animal collision
Covers damage from a collision with an animal or bird; EUR 200 deductible, maximum compensation EUR 20,000.
SourceSection: Lisa liikluskindlustusele lisakaitsed :
Loomaga kokkupõrge: Hüvitatakse looma või linnuga kokkupõrkel tekkinud kahju. Omavastutus on 200 eurot ja maksimaalne hüvitis 20 000 eurot.
Replacement vehicle
Coverage for replacement vehicle costs if the insured vehicle cannot be used due to an insured event
SourceSection: Lisa liikluskindlustusele lisakaitsed :
Asendusauto: Hüvitatakse asendussõiduki kulud, kui kahjujuhtumi tagajärjel ei ole sõiduki kasutamine lubatud või võimalik.
Coverage 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
SourceSection: Hea teada
Liikluskindlustus kehtib Eestis, Euroopa Majanduspiirkonnas ja Šveitsis. Rohelise kaardi olemasolul laieneb kaitse ka teistesse kaardil märgitud riikidesse.
Use 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
SourceSection: Hea teada
Mida teha, kui sõiduki kasutusala või omanik muutub? Sõiduki kasutusala või omaniku muutudes teavita kindlustusandjat. Tee seda näiteks kindlasti siis, kui hakkad autot kasutama taksoteenuseks.
Claim notification requirement
Policyholders must notify insurer of loss events as soon as possible; Estonia allows online reporting via avarii.ee portal
SourceSection: Hea teada
Kindlustuse teavitamine: Võta kahjujuhtumist teavitamiseks esimesel võimaliusel ühendust oma kindlustusandjaga. Liikluskindlustusjuhtumi korral saad seda teha ka veebilehel avarii.ee .
Policy 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
SourceSection: Hea teada
Eestis ei ole kindlustuspoliisi füüsiline kaasas kandmine kohustuslik. Piisab, kui see on digitaalselt kättesaadav, näiteks telefonis. Kui reisite rohelise kaardi riikidesse, peab aga füüsiline roheline kaart olema kaasas.
Working 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
SourceSection: Hea teada
Kui sõidukit ei kasutatud kindlustusjuhtumi ajal liiklemiseks, vaid tööks (nt ekskavaator seisab paigal ja kaevab), siis ei kohaldu liikluskindlustus – tegemist on tööseadmena kasutamisest tuleneva riskiga.
Sources
Elama Motor third-party liability