AS LHV Kindlustus
LHV
LHV is a motor third-party liability insurance for the Estonia market with online purchase and 24/7 assistance.
Direct payment
LHV compensates the injured third party directly instead of the person who caused the damage, and may then pursue recourse against the at-fault party in cases such as intentional damage or driving under intoxication.
Geographic scope
Estonia
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.
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
Bodily injury liability
€5,600,000
For an insured event occurring in Estonia, the sum insured for personal injury (bodily injury) is EUR 5,600,000 per event.
Property damage liability
€1,200,000
For an insured event occurring in Estonia, the sum insured for property damage is EUR 1,200,000 per event.
Legal defence cost cover
No limit stated
No separate legal defence/legal expenses benefit is described for this MTPL product in the reviewed sources.
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.
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.
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.
Passenger accident benefit
No limit stated
No separate passenger accident benefit is described for this MTPL product in the reviewed sources.
Key conditions
Territorial scope
Coverage applies in the EEA contracting states, the Swiss Confederation, and other countries listed on the Green Card.
Green card rules
A Green Card is required for travel to non-EEA/Switzerland countries listed on it; Green Cards issued in Estonia no longer cover Russia and Belarus as of 1 June 2023.
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
No published bonus-malus coefficient table appears in this product's own sources; LHV states 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.
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.
SourceFree 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.
SourceStatutory 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.
SourceMandatory 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.
SourceDirect 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.
SourcePremium 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.
Source