Akciné draudimo bendrové "Gjensidige" Eesti filiaal
Gjensidige
Gjensidige is a motor third-party liability insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
For domestic accidents where only vehicles (or a vehicle and other property) are damaged, both vehicles are based in Estonia, and the expected claim is under EUR 10,000, the injured party may claim compensation directly from their own insurer instead of the at-fault driver's insurer.
Geographic scope
Estonia
Valid in EEA member states, Switzerland, and other countries listed on the Green Card, excluding Russia and Belarus since 12 April 2022 due to sanctions.
Unique selling points
- Free towing assistance (up to EUR 800 per claim) is included in the MTPL premium even for the vehicle that caused the accident, a benefit many insurers do not offer to at-fault drivers.
- Towing assistance is valid across almost all of Europe, not just Estonia, covering breakdowns abroad via a local partner network.
- Marketed as bringing Norwegian-quality insurance standards and fast, convenient claims handling to Estonian customers.
- Green Card is issued digitally as a PDF, letting customers print it themselves before travelling abroad instead of waiting for a physical card by post.
- Annual MTPL/Casco contracts can be paid in instalments rather than as a single lump sum.
Coverage limits
Bodily injury liability limit
€6,450,000
Statutory limit under the new Motor Insurance Act (effective from 15 July 2024): EUR 6,450,000 per accident for personal injury/death claims, regardless of the number of injured persons; limits are reviewed annually and adjusted.
Property damage liability limit
€1,300,000
Statutory limit under the new Motor Insurance Act (effective from 15 July 2024): EUR 1,300,000 per accident for property damage claims; limits are reviewed annually and adjusted.
Legal defence cost cover
No limit stated
Not addressed as a separate benefit in the available sources for this product.
Green Card
Covered
Green Card is issued electronically as a PDF and confirms MTPL coverage validity abroad in EEA countries, Switzerland, and other Green Card agreement countries; can be printed or requested by mail before travel. Validity restricted for Russia and Belarus since 12 April 2022.
Towing assistance for at-fault vehicle
€800
Included free of charge in the MTPL premium since February 2023: towing from the accident site to the nearest repair facility or storage location for the vehicle that caused the accident, for cars/vans up to 3,500 kg and motorcycles. Covers one tow per claim up to EUR 800, valid across most of the European geographical area, excluding Russia, Ukraine, Belarus, Moldova and Kazakhstan.
Driver personal accident cover
No limit stated
Not addressed as part of this MTPL product in the available sources.
Passenger accident cover
No limit stated
Not addressed as part of this MTPL product in the available sources.
Key conditions
Territorial scope
Coverage applies on public roads, parking areas, yards and other areas used for normal traffic, and under the new law also off-road; internationally valid in EEA countries, Switzerland and Green Card agreement countries.
Green card rules
The Green Card is sent electronically as a PDF; it should be printed or requested by post before travelling abroad. Validity has been restricted for Russia and Belarus since 12 April 2022 due to sanctions; cards issued before that date remain valid per their original printed list of countries.
Driver restrictions
No specific driver-age or licence restrictions are stated in the available sources; the premium is based on risk factors related to the policyholder/authorised user and the vehicle, and prior claims history.
Claim notification deadline
No specific notification deadline (in days) for MTPL claims is stated in the available sources; general claim handling rules derive from the Motor Insurance Act and Law of Obligations Act.
Bonus-malus rules
When setting the premium, the insurer takes into account risk factors related to the policyholder/authorised user and the vehicle, as well as prior claims history and other factors affecting insurance risk.
Policy specifics
Towing assistance (free for accident-caused vehicle)
Free towing from accident site to nearest repair facility or home for vehicles that caused the MTPL incident
SourceSource no longer reachableStatutory minimum coverage limits (effective 15 July 2024)
EUR 6,450,000 per accident for bodily injury/death (regardless of number of injured); EUR 1,300,000 per accident for property damage
SourceSource no longer reachableGreen Card coverage territory
Insurance valid in EEA countries, Switzerland, and countries listed on Green Card agreement
SourceSource no longer reachableVehicle types requiring MTPL insurance
All vehicles registered with Estonian Transport Administration; unregistered vehicles with design speed exceeding 25 km/h or exceeding 14 km/h with mass over 25 kg; trailers of such vehicles
SourceSource no longer reachableCoverage validity territory (domestic and international)
MTPL insurance valid on public roads, parking lots, yards, and areas used for normal traffic; valid in EEA countries with Green Card
SourceSource no longer reachableSources
- https://www.gjensidge.ee/eraklient/soidukite-kindlustamine/liikluskindlustusSource no longer reachable
- https://www.gjensidige.ee/eraklient/soidukite-kindlustamine/liikluskindlustus
- https://www.gjensidige.ee/et-EE/Uudised-ja-pressiteated/Gjensidge-kindlustus-lisas-liikluskindlustusele-puksiirabi-kaitseSource no longer reachable
- https://www.gjensidige.ee/liikluskindlustus-puksiirabi
- https://www.gjensidige.ee/osta/kasko-liikluskindlustus