Gjensidige Motor third-party liability (Liikluskindlustus)

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.

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.

Territorial scope

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.