LHV
LHV is a motor third-party liability insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
LHV pays compensation directly to the injured party (victim) on behalf of the at-fault driver. For vehicle repair costs, LHV reimburses either directly to the repair company or to the vehicle owner/possessor upon their request. Driver medical costs at a medical institution are reimbursed directly to the treating medical institution.
Geographic scope
EE
EEA member states, Switzerland, and other countries listed on the Green Card (Albania, Andorra, Bosnia and Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, United Kingdom). Not valid in Russia and Belarus as of 1 June 2023.
Unique selling points
- Free towing/roadside assistance is included even when you are the at-fault driver in an accident, available 24/7 across Estonia.
- Flexible instalment payments with a freely chosen payment frequency (monthly, quarterly, semi-annual, or annual) at no extra charge.
- Fast and transparent claims handling with on-the-spot decisions, and the option to submit accident reports digitally at the scene via the LHV app.
- Green Card coverage extending to 13 non-EEA countries including UK, Turkey, Morocco, and Ukraine – included at no additional premium.
- Online policy issuance available instantly on lhv.ee with personalised discounts applied automatically for logged-in internet bank customers.
Coverage limits
Bodily injury liability
Covered
Covers third-party bodily injury (personal injury) liability up to EUR 6,450,000 per insured event occurring in Estonia. Limits in other countries follow the law of the country where the event occurred.
Property damage liability
Covered
Covers third-party property damage liability up to EUR 1,300,000 per insured event occurring in Estonia. Limits in other countries follow the law of the country where the event occurred.
Legal defence
Excluded
Legal defence cover is not included in the standard LHV MTPL product. It is available as a separate add-on or through casco insurance.
Green Card (international motor insurance certificate)
Covered
Green Card coverage is included and valid in EEA member states, Switzerland, and other Green Card countries: Albania, Andorra, Bosnia and Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, and United Kingdom. Not valid in Russia and Belarus as of 1 June 2023. The Green Card certificate is issued free of charge.
Free roadside assistance (towing)
Covered
Free towing/roadside assistance service is included with annual MTPL policies, available 24/7 by calling 680 1122, even if the policyholder was the at-fault party in the accident.
Driver medical costs (accident)
Covered
Medical costs of the at-fault driver at a medical institution are covered under the Estonian Motor Insurance Act, reimbursed directly to the medical institution. Not covered if the driver caused the accident intentionally or was under the influence of alcohol or drugs.
Passenger accident insurance
Excluded
Dedicated passenger accident insurance is not part of the standard MTPL product. Third-party passenger injuries are covered under the bodily injury liability cover. Separate voluntary passenger accident insurance must be taken out for additional cover.
Key conditions
territorial_scope
Coverage is valid in EEA member states, Switzerland, and other countries listed on the Green Card (Albania, Andorra, Bosnia and Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, United Kingdom). Green Cards issued in Estonia are not valid in Russia and Belarus as of 1 June 2023. In countries outside Estonia, the applicable compensation rules and limits are those of the country where the incident occurred.
green_card_rules
A Green Card (international motor insurance certificate) is included and issued free of charge; it must be carried when driving in Green Card countries outside the EEA. Estonian insurers no longer issue Green Cards valid in Russia and Belarus (suspended from 1 June 2023). The Green Card extends coverage to all listed non-EEA Green Card countries.
driver_restrictions
The insured vehicle in standard use must not be used as a rental car, taxi, ride-sharing service vehicle, or as a training, emergency/alarm, courier, or security patrol vehicle. If such use is intended, the relevant use category must be specified in the insurance contract. The insurer may exercise a right of recourse against the at-fault driver if damage was caused intentionally or while under the influence of alcohol or drugs.
claim_notification_deadline
The policyholder must notify LHV of a traffic accident immediately (without delay) and follow LHV's instructions. The damaged vehicle and other property must be preserved in their post-accident condition until LHV's instructions are received. If a digital accident report was completed at the scene and forwarded to LHV, a separate notification is not required.
bonus_malus_rules
Bonus-malus (claims history discount/surcharge) for MTPL insurance is governed in principle by the Estonian Motor Insurance Act, but Estonia does not operate a centralised statutory bonus-malus system. Each insurer applies its own individual merit-rating scale. Premium levels are influenced by the vehicle type, age, engine power, intended use, region, insurance period, and the policyholder's claims history as assessed by the insurer.
Policy specifics
Free roadside assistance
Free towing service included even if the driver caused the accident
Green Card (international motor insurance certificate)
Insurance coverage valid in EEA member states, Switzerland, and countries listed in Green Card agreement
Vehicle usage restrictions for standard coverage
Vehicle in standard use must not be used as rental car, taxi, ride-sharing service, training, alarm, courier or security patrol vehicle