If P&C Insurance AS
If
If is a motor third-party liability insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
The insurer compensates the injured third party directly for damage caused by the insured vehicle, but may claim recourse from the person who caused the damage, for example if the damage was caused intentionally or the driver was intoxicated.
Geographic scope
Estonia
Coverage applies in Estonia and in other EEA member states, and in other countries indicated on the Green Card.
Unique selling points
- Every If MTPL policy includes free 24/7 towing assistance via Falck Autoabi after a traffic accident, a service some competitors charge extra for.
- 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
Bodily injury liability
€6,450,000
The insurance sum for bodily injury (death, permanent disability, medical costs) caused to a third party in Estonia is EUR 6,450,000 per insured event, regardless of the number of injured persons, for incidents from 15 July 2024 onward (EUR 5,600,000 before that date).
Property damage liability
€1,300,000
The insurance sum for property damage caused to a third party in Estonia is EUR 1,300,000 per insured event for incidents from 15 July 2024 onward (EUR 1,200,000 before that date).
Legal defence costs
No limit stated
Not mentioned as a covered benefit in the reviewed IPID documents.
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.
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.
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.
Passenger accident cover
No limit stated
Not mentioned as a separate covered benefit in the reviewed IPID documents.
Key conditions
Territorial scope
The policy provides cover in the countries of the European Economic Area and in other countries listed on the Green Card.
Green card rules
The Green Card, the international certificate proving valid MTPL cover, can be ordered free of charge while the policy is valid and is delivered as a PDF that can also be printed at home.
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
The injured party must notify the insurer of a traffic accident claim within 30 days of the incident, provided the damage is limited to the vehicle(s) or vehicle plus other property and the main location of the vehicles is Estonia.
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.
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.
SourceInsurance 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.
SourceGeographic coverage area
Insurance coverage applies in Estonia and within EEA member states. Coverage in green card countries requires international green card certificate.
SourceAvailable policy durations
Motor third party liability insurance can be purchased for flexible durations including 1 day, 1 week, 1 month, or full year.
SourcePayment installment options
Annual policies can be paid in installments (monthly, quarterly, semi-annually) without impact on total premium amount.
SourceFree 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.
SourceContract commencement condition
Contract becomes effective and insurance coverage begins when insurance premium has been received, but not before the policy start date.
Source