PZU Motor third-party liability (Liikluskindlustus)
Underwritten by AB "Lietuvos draudimas" Eesti filiaal · Estonia
motor third-party liability insurance from PZU for the Estonia market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2024-12-01Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence costs
No limit stated
This MTPL policy does not include a separate legal expenses benefit.
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.
Section: Kus ma olen kindlustatud?
Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.
Roadside assistance (PZU Autoabi)
Optional
Roadside assistance (PZU Autoabi) is not part of standard MTPL; it is available as an optional add-on to the MTPL contract, either on its own or as part of the Liiklus+ or large-game collision (Suuruluki kindlustus) add-ons.
Section: 3. Kindlustusjuhtum > 3.2 Kindlustuskaitsete valikud
3.2.1. Liiklus+ kindlustusjuhtumid ja hüvitatav teenus: 1) Liiklusõnnetus vastavalt punktile 3.3.1 2) Suurulukiga kokkupõrge vastavalt punktile 3.3.2 3) PZU Autoabi 3.2.2. Suuruluki kindlustuse kindlustusjuhtum ja hüvitatav teenus: 1) Suurulukiga kokkupõrge vastavalt punktile 3.3.2. 2) PZU Autoabi 3.2.3. PZU Autoabi
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.
Section: Mida kindlustatakse? Mida ei kindlustata?
kahju põhjustanud sõidukijuhi ravikulu raviasutuses
Key conditions
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.
Territorial scope
Covers events in the European Economic Area member states, the Swiss Confederation, and other countries indicated on the green card.
Documents
Motor third party liability insurance product information document (IPID) (opens in a new tab)
Product information sheet · PDF
Liiklus+ add-on product information document (IPID) - covers MTPL plus the optional own-damage add-on (opens in a new tab)
Product information sheet · PDF
Liiklus+ add-on terms and conditions LK100/2025 (optional own-damage add-on to the MTPL contract) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Green card coverage
International motor third party liability insurance policy valid in green card countries
SourcePage 1Section: Kus ma olen kindlustatud?
Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.
Automatic contract renewal option
Motor third party liability insurance contract may be automatically renewed or not
SourcePage 1Section: Millal kindlustuskaitse algab ja lõppeb?
Automaatselt pikenev leping pikeneb järgmiseks kindlustusperioodiks, kui te ei väljenda teistsugust tahet hiljemalt kaks tööpäeva enne kindlustusperioodi lõppu ega sõlmi lepingut teise kindlustusandjaga.
Automatic contract transfer on vehicle sale
Motor third party liability insurance contract automatically transfers to new owner when vehicle is sold
SourceSources
- pzu.eehttps://pzu.ee/en/faq/motor/(opens in a new tab)
- pzu.eehttps://pzu.ee/wp-content/uploads/2024/11/Liikluskindlustus_IPID_20241201.pdf#page=1(opens in a new tab)
- pzu.eehttps://pzu.ee/wp-content/uploads/2025/05/Liiklus-tingimused-LK100_2025.pdf#page=3(opens in a new tab)
- pzu.eehttps://www.pzu.ee/kindlustus/liiklus(opens in a new tab)
PZU Motor third-party liability