If Motor third-party liability (Liikluskindlustus)
Underwritten by If P&C Insurance AS · Estonia
motor third-party liability insurance from If for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
Every If MTPL policy includes free 24/7 towing assistance via Falck Autoabi after a traffic accident.
Policies can be bought for as short as one day, one week or one month, ideal for seasonal or hobby vehicle use.
Cover can be arranged up to 182 days in advance, so a new policy is ready well before the current one expires.
Annual premiums can be split into monthly, quarterly or semi-annual installments at no extra cost.
New customers buying online get a 10% discount off the standard price.
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
Ordering a Green Card is free of charge while the traffic insurance policy is valid; since 1 July 2020 it is issued as a PDF sent by email rather than a printed green document, and it can also be printed at home if needed.
Section: Liikluskindlustus
Rohelise kaardi saad tellida, saates Ifile avalduse iseteeninduse kaudu või helistades kindlustustelefonil 777 1211. Rohelise kaardi tellimine on kehtiva liikluskindlustuse ajal tasuta. Alates 01.07.2020 ei ole vajadust rohelist kaarti enam rohelisele paberile trükkida ja If saadab selle pdf-formaadis e-mailile. Soovi korral saab selle ise tavalisele printeripaberile välja trükkida.
Free towing assistance
Covered
If provides free towing assistance in case of a traffic accident, available 24/7 via the insurance phone line, for cars, vans, motorcycles and mopeds with a valid If MTPL policy within the EU, provided in cooperation with Falck Autoabi; usable once per insured event, towing the vehicle up to 100 km to the client's chosen repair partner or to the nearest public parking area.
Section: Liikluskindlustuse puksiirabi – meie klientide soov
Sestap pakub If alates 1.06.2020 kõigile oma liikluskindlustuse lepingu sõlminud sõidu- ja pakiautodele ning mootorratastele-mopeedidele kindlustusjuhtumi korral vajadusel tasuta puksiirabi. Puksiirabi toimub koostöös Falck Autoabiga.
At-fault driver's medical treatment costs
Covered
The medical treatment costs of the driver who caused the accident are covered, as stated under 'What is insured' in the policy information document; no specific monetary limit is stated.
Section: Mida kindlustatakse?
kahju põhjustanud sõidukijuhi ravikulu raviasutuses.
Key conditions
Driver restrictions
The policy attaches to the vehicle rather than to a named driver, so anyone can arrange cover for someone else's vehicle; however, driver liability is not covered if the vehicle is used for a purpose other than transport (e.g. as a work tool) and the risk that materialises is characteristic of that other use.
Claim notification deadline
Notify the insurer of a traffic accident without delay and follow its instructions.
SourcePage 1/1Section: Millised on minu kohustused?
Kindlustusandjat tuleb liiklusõnnetusest viivitamata teavitada ja järgida tema juhiseid.
Bonus-malus rules
The premium calculation takes into account the policyholder's claims-free driving years, including years accumulated abroad if a foreign no-claims history certificate is provided.
Territorial scope
Coverage applies in Estonia and in other EEA member states, and in other countries indicated on the Green Card.
Documents
Policy specifics
Insurance sum for property damage
Coverage limit for property damage caused by the insured vehicle to third parties. Amount varies by incident date.
SourcePage 1/1Section: Mida kindlustatakse?
asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot, kui juhtum toimus enne 15. juulit 2024; asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot, kui juhtum toimus 15. juulil 2024 või hiljem.
Insurance sum for bodily injury
Coverage limit for personal injury damages (death, permanent disability, medical expenses) caused by the insured vehicle to third parties. Amount varies by incident date.
SourcePage 1/1Section: Mida kindlustatakse?
asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot, kui juhtum toimus enne 15. juulit 2024; asjakahju korral 1 300 000 eurot ja isikukahju korral 6 450 000 eurot, kui juhtum toimus 15. juulil 2024 või hiljem.
Geographic coverage area
Insurance coverage applies in Estonia and within EEA member states. Coverage in green card countries requires international green card certificate.
SourceSection: Liikluskindlustus > Millal ja kus on vaja liikluskindlustuse rohelist kaarti?
Roheline kaart ehk rahvusvaheline liikluskindlustuse poliis on kehtivat liikluskindlustust tõendav dokument, mida võib vaja minna autoga välismaale sõites.
Available policy durations
Motor third party liability insurance can be purchased for flexible durations including 1 day, 1 week, 1 month, or full year.
SourceSection: Liikluskindlustus
Ifi liikluskindlustuse saad sõlmida enda jaoks sobivaks perioodiks, olgu see siis 1 päev, 1 nädal, 1 kuu või 1 aasta.
Payment installment options
Annual policies can be paid in installments (monthly, quarterly, semi-annually) without impact on total premium amount.
SourceSection: Liikluskindlustus
Vajadusel saad aastase liikluskindlustuse poliisi eest tasuda ka osade kaupa, näiteks poolaasta- kvartali või kuumaksetega.
Free towing service
IF provides free towing assistance in case of traffic accident, available 24/7 for vehicles with active IF motor third party liability insurance.
SourceSection: Liikluskindlustus > Millal ja kuidas saan kasutada tasuta puksiirabi?
Tasuta pukseerimisteenust pakume Ifi liikluskindlustuse poliisi omavatele sõidu- või pakiautodele ning mootorrattastele ja mopeedidele Euroopa Liidu piires.
Contract commencement condition
Contract becomes effective and insurance coverage begins when insurance premium has been received, but not before the policy start date.
SourcePage 1/1Section: Millal kindlustuskaitse algab ja lõpeb?
Leping jõustub ja kindlustuskaitse algab, kui kindlustusmakse on laekunud, kuid mitte varem kui kindlustusperioodi esimesel päeval.
Sources
- ekindlustus.if.eehttps://ekindlustus.if.ee/et/korduma-kippuvad-kusimused/(opens in a new tab)
- if.eehttps://www.if.ee/eraklient/kindlustused/liikluskindlustus(opens in a new tab)
- if.eehttps://www.if.ee/eraklient/kindlustused/liikluskindlustus/liikluskindlustusega-tasuta-puksiirabi(opens in a new tab)
- if.eehttps://www.if.ee/globalassets/ee/pdf/tingimused/eraklient/liikluskindlustus/ipid-liikluskindlustus-202402.pdf#page=1(opens in a new tab)
- if.eehttps://www.if.ee/globalassets/ee/pdf/tingimused/eraklient/liikluskindlustus/ipid-poliis.ee-liikluskindlustus.pdf#page=1(opens in a new tab)
If Motor third-party liability