LHV Motor third-party liability (Liikluskindlustus)
Underwritten by AS LHV Kindlustus · Estonia
motor third-party liability insurance from LHV for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
Free 24/7 towing assistance is included even if you caused the accident.
Premiums can be paid in installments with a payment frequency of your choice.
LHV promotes fair, fast and transparent claims handling.
The policy can be quoted and purchased entirely online without needing to visit a branch.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€5.6M
Green Card coverage
Covered
Coverage extends to countries listed on the Green Card in addition to EEA states and Switzerland, including Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine and the United Kingdom; Green Cards issued in Estonia do not cover Russia and Belarus as of 1 June 2023.
Section: Kaitse
Kindlustuskaitse kehtib Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides - Albaanias, Andorras, Bosnias ja Hertsegoviinas, Iisraelis, Makedoonias, Marokos, Moldovas, Montenegros, Serbias, Tuneesias, Türgis, Ukrainas ja Suurbritannias. Oluline teada. Eestis kindlustusandjate välja antud rohelised kaardid ei kehti Venemaal ja Valgevenes alates 1. juunist 2023 a.
Roadside assistance / towing
Covered
LHV offers free 24/7 towing assistance in the event of an insured traffic accident, reachable at 680 1122, available even if the policyholder caused the accident.
Section: LHV liikluskindlustus
Tasuta puksiirabi ka siis, kui olid liiklusõnnetuse põhjustaja
At-fault driver's medical treatment cost
Covered
The treatment costs incurred at a medical institution by the driver who caused the accident are covered; no separate sum insured is stated for this benefit.
Section: Mida kindlustatakse?
kahju põhjustanud sõidukijuhi ravikulu raviasutuses
Key conditions
Driver restrictions
LHV compensates the victim but may seek recourse from the person who caused the damage, e.g. if the damage was caused intentionally or the at-fault driver was intoxicated; the policyholder concluding the contract must be an adult.
Claim notification deadline
The policyholder must notify LHV of a traffic accident immediately and follow LHV's instructions, preserving the damaged vehicle/property in its post-accident state until instructed otherwise.
Bonus-malus rules
The premium is influenced by the responsible user's/owner's age, insurance and claims history, past instances of causing damage, vehicle characteristics, intended use, and area of use.
Territorial scope
Coverage applies in the EEA contracting states, the Swiss Confederation, and other countries listed on the Green Card (e.g. Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, United Kingdom); Green Cards issued in Estonia do not cover Russia or Belarus as of 1 June 2023.
Documents
Policy specifics
Green Card coverage territory
Insurance coverage extends to countries listed on the Green Card (international motor insurance certificate), including Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, and the United Kingdom, but excludes Russia and Belarus as of June 1, 2023.
SourceSection: Kaitse
Kindlustuskaitse kehtib Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides - Albaanias, Andorras, Bosnias ja Hertsegoviinas, Iisraelis, Makedoonias, Marokos, Moldovas, Montenegros, Serbias, Tuneesias, Türgis, Ukrainas ja Suurbritannias.
Free 24/7 towing service
LHV offers free 24/7 towing services in the event of an insured traffic accident, available at phone number 680 1122.
SourceAutoabi kutsumiseks helista ööpäevaringselt 680 1122
Statutory regulation
Motor third-party liability insurance is regulated by the Motor Insurance Act (Liikluskindlustuse seadus). Contract terms are set in the Motor Insurance Act, policy offers, and insurance policy documents.
SourcePage 1Section: Mis liiki kindlustusega on tegemist?
Kindlustuslepingu tingimused tulenevad liikluskindlustuse seadusest.
Mandatory insurance requirement
Motor third-party liability insurance is compulsory (kohustuslik) for all vehicles registered in the traffic register, as well as other vehicles with design speed exceeding 25 km/h or exceeding 14 km/h with unladen weight greater than 25 kg, and their trailers.
SourceSection: Kaitse
Liikluskindlustus tuleb sõlmida igale liiklusregistris registreeritud sõidukile, muule sõidukile, mille valmistajakiirus ületab 25 km/h, või sõidukile, mille valmistajakiirus ületab 14 km/h ning mille tühimass on suurem kui 25 kg, samuti nimetatud sõidukite haagistele.
Direct payment to victim
LHV pays compensation directly to the victim instead of the person who caused the damage. The insurer compensates the loss on behalf of the person responsible for the accident.
SourcePage 1Section: Mis liiki kindlustusega on tegemist?
Teisisõnu, LHV hüvitab kahju põhjustaja asemel kannatanule sõidukiga tekitatud kahju.
Premium payment terms
Premium can be paid in full or in installments. Installment payments must be made on time and in the amount specified in the policy. Non-payment may result in contract termination or cancellation.
SourceSection: Oluline teave
Kui oled valinud kindlustuspoliisi tasumise osamaksetena, tasu osamaksed õigel ajal ja poliisil märgitud tähtpäevaks. Mittetasumise korral on meil õigus lepingust taganeda või see üles öelda vastavalt võlaõigusseaduses sätestatud korrale.
Sources
LHV Motor third-party liability