AB "Lietuvos draudimas" Estonian Branch (trading as PZU Insurance)
PZU
PZU is a motor third-party liability insurance for the Estonia market with online purchase and limited assistance availability.
Direct payment
The insurer compensates the injured party directly in place of the party who caused the damage.
Geographic scope
Estonia
Covers events in the European Economic Area member states, the Swiss Confederation, and other countries indicated on the green card.
Unique selling points
- Up to 15% cheaper when purchased through PZU's online e-shop.
- Fully online purchase and self-service policy management.
- Optional automatic contract renewal so cover never lapses unnoticed.
- Recognised insurance partner of the Estonian Vehicle Dealers and Services Association.
Coverage limits
Bodily injury liability
€6,450,000
The insured sum for an insured event occurring in Estonia is EUR 6,450,000 for personal injury.
Property damage liability
€1,300,000
The insured sum for an insured event occurring in Estonia is EUR 1,300,000 for property damage.
Legal defence costs
No limit stated
None of the reviewed PZU MTPL sources mention legal defence cost coverage under this product.
Green card
Covered
International motor third party liability card recommended to carry when driving outside Estonia; coverage extends to EEA states, Switzerland, and other countries designated on the green card.
Roadside assistance (PZU Autoabi)
Optional
Roadside assistance (PZU Autoabi) is available only through the optional Liiklus+ add-on sold together with the MTPL contract, not under standalone MTPL.
At-fault driver's medical treatment costs
Covered
Medical treatment costs of the driver who caused the damage, incurred at a medical institution, are covered.
Passenger accident cover
No limit stated
None of the reviewed PZU MTPL sources mention a separate passenger accident benefit under this product.
Key conditions
Territorial scope
Coverage applies in EEA member states, the Swiss Confederation, and other countries indicated on the green card.
Green card rules
The green card is an international motor third party liability document recommended for driving outside Estonia.
Driver restrictions
The vehicle's driver liability is not covered if, at the time of the incident, the vehicle was used for a purpose other than as a means of transport.
Claim notification deadline
The insurer must be notified of a traffic accident without delay and its instructions must be followed.
Bonus-malus rules
None of the reviewed sources specify PZU's bonus-malus terms for this product.
Documents
Motor third party liability insurance product information document (IPID)
IPID
Liiklus+ add-on product information document (IPID) - covers MTPL plus the optional own-damage add-on
IPID
Liiklus+ add-on terms and conditions LK100/2025 (optional own-damage add-on to the MTPL contract)
Terms & conditions
Policy specifics
Green card coverage
International motor third party liability insurance policy valid in green card countries
SourceAutomatic contract renewal option
Motor third party liability insurance contract may be automatically renewed or not
SourceAutomatic contract transfer on vehicle sale
Motor third party liability insurance contract automatically transfers to new owner when vehicle is sold
Source