ERGO Motor third-party liability (Liikluskindlustus)
Underwritten by ERGO Insurance SE · Estonia
motor third-party liability insurance from ERGO for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2018-02-08Sources
Unique selling points
Includes free Europe-wide accident towing (ERGO Liiklus+) as standard, without needing to buy an add-on.
10% price discount when the policy is purchased online instead of other channels.
Free phone access to lawyers for behavioural guidance via the ERGO legal-advice line.
Broad menu of optional riders (wild-animal collision, replacement car, driver accident, legal expenses) that can be tailored to individual needs.
Fast claims handling.
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 expenses insurance
Optional
Optional additional cover for the insured's legal interests in disputes arising from contractual obligations, property rights, and non-contractual disputes related to the insured vehicle; a legal-advice phone line with lawyers is available. The sum insured is specified in the individual policy.
Section: Mida kindlustatakse?
õigusabikulude kindlustuse lisakaitsega on kaetud kindlustatud isiku õiguslikud huvid vaidlustes, mis tulenevad kindlustatud sõidukiga seotud võlaõiguslikest lepingutest, samuti asjaõiguslikud vaidlused ja lepinguvälised vaidlused.
Green Card
Covered
The Green Card is a policy document proving that cover extends beyond Estonia and other EEA contracting states to third countries listed on the card; issued by ERGO to the policyholder or the nominated insured person upon request.
Section: 1. Kindlustusleping, kindlustuspoliis
Roheline kaart on poliis, mis tõendab kindlustuskaitse kehtimist peale Eesti ja teiste Euroopa Majanduspiirkonna lepinguriikide ka rohelisel kaardil märgitud kolmandas riigis. Kindlustusvõtja taotlusel väljastab kindlustusandja rohelise kaardi kindlustusvõtjale või kindlustusvõtja nimetatud kindlustatud isikule.
ERGO Liiklus+ post-accident towing (base) / ERGO Autoabi breakdown assistance (optional)
Covered
Included as standard: with the ERGO Liiklus+ service, following an MTPL claim, ERGO tows a normally-used passenger car, van or motorcycle free of charge from the accident scene to the nearest repair shop or storage location anywhere in Europe by calling +372 655 5401 or ordering online. Full breakdown assistance for non-accident events (flat battery, fuel delivery, flat tyre, stuck vehicle, lost keys) requires the separate optional ERGO Autoabi rider.
Section: Mida kindlustatakse?
ERGO Liiklus+ teenusega viime liikluskindlustusjuhtumi korral tavakasutuses sõiduauto, pakiauto või mootorratta tasuta sündmuskohale lähimasse remonditöökotta või hoiukohta kogu Euroopas, kui helistada ERGO Autoabi numbril +372 655 5401.
Driver accident insurance
€10K – €20K
Optional additional cover paying EUR 10,000 if a traffic accident causes the driver's death and up to EUR 20,000 for permanent disability; only available with an annual contract for normally-used passenger cars and vans (M1, M1G, N1, N1G).
Section: Liikluskindlustuse kaitsed > Sõidukijuhi õnnetusjuhtum
Maksame hüvitist, kui liiklusõnnetuse tõttu on sõidukijuhil tekkinud püsiv puue või on õnnetus põhjustanud sõidukijuhi surma. Surmajuhtumi kindlustussumma on 10 000 eurot ja püsiva puude kindlustussumma 20 000 eurot.
Key conditions
Driver restrictions
Optional additional covers (moose collision, roadside assistance, driver accident, legal expenses, replacement car) may only be selected for normally-used passenger cars and vans (categories M1, M1G, N1, N1G) and only with annual contracts; such vehicles may not be used for short-term rental, alarm response, driving instruction, freight, courier, taxi services or ride-sharing (e.g. Uber, Bolt/Taxify). Driver accident benefits are not paid if the driver lacked the right to drive the relevant vehicle category at the time of the event. Contracts generally may only be concluded by persons at least 18 years old.
Claim notification deadline
The policyholder must notify ERGO of a traffic accident without delay and follow the insurer's instructions; for driver accident claims, notification must be made at the first opportunity, providing details of the incident and expected treatment period.
Territorial scope
Cover applies in the European Economic Area contracting states, the Swiss Confederation, and other countries indicated on the Green Card.
Documents
Policy specifics
Moose collision insurance (Põdrakasko)
Optional additional coverage for damage from a collision in Estonia with a large wild animal (wolf, bear, lynx, wild boar, red deer, moose, roe deer or grey seal), up to EUR 6,000.
SourceSection: Liikluskindlustuse kaitsed > Põdrakasko
Hüvitame ootamatult sõiduteele jooksnud suuruluki (hunt, karu, ilves, metssiga, punahirv, põder, metskits või hallhüljes) tekitatud kahju kuni 6000 euro ulatuses. Kahju korral rakendub omavastutus 200 eurot.
Driver accident insurance
Optional additional coverage paying a benefit only if a traffic accident causes the driver's permanent disability or death (not general accident-related injuries).
SourceClause 15.4.1Page 3/4Section: 15. Liikluskindlustuse lisakaitsed > 15.4 Sõidukijuhi õnnetusjuhtumikindlustus
Sõidukijuhi õnnetusjuhtumikindlustus on ERGO liikluskindlustuse juurde valitav piiratud ulatusega vabatahtlik lisakaitse, mille alusel makstakse hüvitist, kui liiklusõnnetus on tekitanud sõidukijuhile püsiva puude või põhjustanud sõidukijuhi surma.
Legal expenses insurance
Optional additional coverage covering legal expenses and procedural costs related to disputes concerning the insured vehicle
SourceReplacement car claim reimbursement
Optional additional coverage under which ERGO reimburses the injured party's substantiated replacement-car rental costs following an MTPL claim, up to the sum insured stated in the contract, and assists the policyholder in determining the reasonable claim amount.
SourceClause 15.3.1Page 3/4Section: 15. Liikluskindlustuse lisakaitsed > 15.3 Asendusauto nõuete hüvitamine
Asendusauto nõuete hüvitamine on ERGO liikluskindlustuse juurde valitav piiratud ulatusega vabatahtlik lisakaitse, mille alusel hüvitatakse kannatanule liikluskindlustusjuhtumi järel asendusauto kasutamise põhjendatud kulud kindlustuslepingus toodud kindlustussumma ulatuses.
Vehicle usage restrictions for additional coverages
Additional coverages can only be selected for normally used vehicles (categories M1, M1G, N1, N1G) and only with annual contracts. Vehicles cannot be used for short-term rental, alarm service, educational purposes, freight or courier services, taxi services, or ride-sharing platforms (Uber, Taxify)
SourcePage 3/4Section: 15. Liikluskindlustuse lisakaitsed
Lisakaitseid saab valida tavakasutuses sõidu- ja pakiautodele (sõiduki kategooriad M1; M1G; N1; N1G). Tavakasutuses sõidukit ei tohi kasutada lühirendisõidukina, alarmsõidukina, õppesõidukina, veo-, kuller- ega taksoteenuse osutamiseks ega kokkuleppevedude (nt Uber, Taxify) tegemiseks.
Contract period options
MTPL contracts can be concluded for 1 day or longer periods. Annual contracts are automatically renewable; shorter-term contracts do not renew automatically
SourceClause 1.2.2Page 1/4Section: 1. Kindlustusleping, kindlustuspoliis
Automaatse pikenemise kohustuseta lepingu (EIlepingu) võib sõlmida perioodiks ühest päevast kuni ühe aastani.
Payment frequency flexibility
Policyholders can pay annual insurance premiums monthly, quarterly, semi-annually, or annually without price variation
SourceSources
- ergo.eehttps://ergo.ee/erakliendile/liikluskindlustus(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/ERGO-liikluskindlustuse-tingimused.pdf#page=1(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/ERGO-liikluskindlustuse-tingimused.pdf#page=2(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/ERGO-liikluskindlustuse-tingimused.pdf#page=3(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-11/Liikluskindlustuse%20teabedokument%2001.12.2024.pdf#page=1(opens in a new tab)
ERGO Motor third-party liability