Gjensidige
Gjensidige is a motor third-party liability insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
Damage compensation is paid directly to the injured third party (victim) by Gjensidige on behalf of the at-fault policyholder. For accidents in Estonia where only vehicles are damaged, the insured amount is up to EUR 10,000 and both vehicles are Estonian-registered, the victim may submit the claim to their own insurer.
Geographic scope
Baltic
Valid in EEA member states and Switzerland as standard; valid in Green Card system countries when Green Card is carried. Russia and Belarus excluded from Green Card coverage from 12.04.2022.
Unique selling points
- Free 24/7 towing assistance is included as standard with MTPL — uniquely covering even the at-fault vehicle, not just the victim's.
- Online purchase available with a web discount for new customers, and annual policies can be paid in instalments at no extra cost.
- Liability limits updated to EUR 6,450,000 for bodily injury and EUR 1,300,000 for property damage under the new Motor Insurance Act from 01.12.2024, reviewed annually.
- MTPL policy is backed by 200+ years of Norwegian insurance expertise through the Gjensidige Group, with Baltic operations managed from Lithuania.
- Green Card issued as an electronic PDF — printable at home — enabling hassle-free cross-border driving across all Green Card system countries.
Coverage limits
Bodily Injury Liability
Covered
Covers personal injury (bodily harm, death, disability) caused to third parties by the insured vehicle. Maximum limit per insured event is EUR 6,450,000 regardless of the number of injured persons, as set by the Motor Insurance Act effective 01.12.2024. Limits are reviewed annually.
Property Damage Liability
Covered
Covers property damage caused to third parties by the insured vehicle. Maximum limit per insured event is EUR 1,300,000 regardless of the number of affected third parties, as set by the Motor Insurance Act effective 01.12.2024. Limits are reviewed annually.
Legal Defence
Excluded
Legal defence coverage is not included in Gjensidige's standard MTPL product. It is not listed as a standard or optional add-on for the MTPL product on official sources.
Green Card (International Motor Insurance Certificate)
Covered
An international motor insurance certificate (Green Card) is issued free of charge as a PDF and can be printed. It certifies MTPL coverage when driving abroad in Green Card system countries. Not required within EU/EEA/Switzerland, but required for other Green Card system countries. Russia and Belarus are excluded from Green Card coverage since 12.04.2022.
Free Towing / Roadside Assistance
Covered
Free 24/7 towing assistance from the accident scene to the nearest repair facility, dealership, or home is included as standard with the MTPL product. This benefit also applies to the vehicle that caused the accident — a notable differentiator among Estonian MTPL insurers.
Driver Accident Insurance
Excluded
Driver accident insurance is not included in Gjensidige's standard MTPL product. It is not listed as a bundled or optional add-on in official MTPL sources; separate accident insurance is available as a standalone product.
Passenger Accident Insurance
Excluded
Passenger accident insurance is not included in Gjensidige's standard MTPL product. Bodily injuries to passengers caused by the at-fault vehicle are covered under bodily injury liability to third parties. Voluntary passenger accident insurance is not listed as an MTPL add-on.
Key conditions
territorial_scope
The MTPL policy is valid in all EEA member states and Switzerland without any additional documentation. For driving in Green Card system countries outside the EU/EEA (e.g. Albania, Azerbaijan, Bosnia and Herzegovina, Israel, Iran, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine), the Green Card certificate must be carried. Russia and Belarus have been excluded from Gjensidige Green Card coverage since 12.04.2022. Claims are governed by the law of the country where the accident occurred.
green_card_rules
Gjensidige issues the Green Card as an electronic PDF document that can be printed on standard white A4 paper. When driving outside Estonia, it is recommended to always carry the Green Card to prove coverage in the listed countries and avoid misunderstandings with local traffic police. Russia and Belarus are crossed out on all Green Cards issued from 12.04.2022 onward. Green Cards issued before 12.04.2022 remain valid in all countries listed on their printout.
driver_restrictions
There are no specific named-driver restrictions under Estonian MTPL law; the policy covers the liability of the vehicle's registered responsible user (vastutav kasutaja) or owner. The insurer takes into account the claims history and risk factors of the policyholder/responsible user and vehicle when setting the premium.
claim_notification_deadline
The policyholder must notify Gjensidige of an accident or insured event as soon as possible. The Estonian Motor Insurance Fund also sends notifications when a policy is about to expire (if not renewed 2 days before the new period start). Claims may be submitted to Gjensidige's vehicle claims line (Autoabi24) at +372 655 5667.
bonus_malus_rules
Premium is determined by the insurer based on the claims history and risk factors of the policyholder/responsible user and vehicle, as well as other risk-relevant factors. The Estonian MTPL market uses bonus-malus systems where accident-free years reduce and at-fault claims increase the premium coefficient. Gjensidige applies its own internal risk-based pricing model per contract.
Documents
Gjensidige Liikluskindlustuse teabedokument (IPID) - Motor Insurance Product Information Document
ipid
Sõidukikindlustuse tingimused SK101-2021 (Vehicle Insurance Terms and Conditions, valid from 09.02.2021)
terms_and_conditions
Kindlustuse üldtingimused Ü101-2018 (General Insurance Terms and Conditions, valid from 25.05.2018)
terms_and_conditions
Gjensidige kindlustustingimused - All Terms and Conditions (index page)
other
Policy specifics
Free towing assistance
Free 24/7 towing assistance from accident location to nearest repair facility or home, available in Estonia and abroad
Liability limits as per Motor Insurance Act
New liability limits from December 2024: EUR 1,300,000 for property damage and EUR 6,450,000 for personal injury (previously lower limits)
No paper policy required in Estonia
Insurance coverage verification is done through the motor insurance register; paper policy document not required for driving in Estonia
12-month grace period for unregistered vehicles
Registered vehicles not in active use can remain uninsured for maximum 12 months after previous policy expiry; vehicle cannot be used during this period
Accident notification deadline
Policyholder must notify Gjensidge of accident/insured event as soon as possible but no later than 3 days after the incident
Accident and claims notification
The policyholder must notify Gjensidige of an accident or insured event as soon as possible. Claims are registered via Gjensidige Autoabi24 at +372 655 5667. The Estonian Motor Insurance Fund also notifies policyholders 2 days before policy expiry if not yet renewed.
New Motor Insurance Act effective 01.12.2024
From 01.12.2024, a new Motor Insurance Act took effect in Estonia, extending MTPL obligations to certain unregistered vehicles, introducing new (higher) liability limits, and broadening territorial scope (MTPL now valid on public roads and off-road). Online purchase is available with a discount for new contracts.