Salva Kindlustuse AS
Salva
Salva is a motor third-party liability insurance for the Estonia market with online purchase and limited assistance availability.
Direct payment
Alates 1. jaanuarist 2015 kehtiva liikluskindlustuse seaduse kohaselt saab liiklusõnnetuses kannatanu kahju hüvitamiseks pöörduda otse enda kindlustusandja (nt Salva) poole, mitte ainult süüdlase kindlustusseltsi poole. Nagu Ifi selgitab: "Praegu kehtiva liikluskindlustuse seaduse kohaselt saab kannatanu asju ajada enda kindlustusseltsiga." See otsemenetluse õigus ei kehti, kui kindlustusjuhtumi asjaolud (nt süü küsimus) ei ole selged, ja kehtib kõikidele Eestis tegutsevatele liikluskindlustuse pakkujatele, sealhulgas Salvale, mitte ainult ühele konkreetsele seltsile.
Geographic scope
Estonia
European Economic Area member states, the Swiss Confederation, and other countries listed on the Green Card
Unique selling points
- Buying the MTPL policy online in Salva's e-shop gives a 10% discount on the premium.
- Every Salva MTPL customer receives the free Salva roadside assistance service.
- Salva is an Estonian-capital insurer with over 30 years of operating history in the market.
- Salva offers around 20 branches and sales points across Estonia alongside its online e-shop.
Coverage limits
Bodily Injury Liability
€5,600,000
The insured sum for an insured event that occurred in Estonia is EUR 5,600,000 in case of personal injury or death.
Property Damage Liability
€1,200,000
The insured sum for an insured event that occurred in Estonia is EUR 1,200,000 in case of property damage.
Legal Defence Costs
No limit stated
Not mentioned as a separate benefit in the reviewed policy documents.
Green Card / International Coverage
Covered
Coverage is valid in EEA member states, Switzerland, and other countries listed on the Green Card.
Roadside Assistance (Salva Autoabi)
Covered
Every Salva MTPL policyholder receives the free Salva roadside assistance service.
At-Fault Driver's Medical Treatment Costs
Covered
Treatment costs incurred at a medical facility by the driver who caused the accident are covered.
Passenger Accident Coverage
No limit stated
Not addressed as a distinct benefit under this MTPL policy in the reviewed documents.
Key conditions
Territorial scope
Coverage is valid in the member states of the European Economic Area, the Swiss Confederation, and other countries listed on the Green Card.
Green card rules
The Green Card is an internationally recognised insurance document confirming valid MTPL cover when driving in Green Card member countries outside the EEA and Switzerland.
Driver restrictions
No specific driver age or experience restrictions are stated in the reviewed policy documents.
Claim notification deadline
The insurer must be notified of a traffic accident without delay, and the policyholder must follow the insurer's instructions.
Bonus-malus rules
No bonus-malus scale details are stated in the reviewed policy documents.
Policy specifics
Third Party Liability Coverage
Mandatory liability coverage for damage caused to third parties by the insured vehicle
SourceGreen Card / International Motor Insurance
Insurance validity in EEA countries, Switzerland, and green card member states
SourceStatutory Minimum Coverage Limits
EUR 6,450,000 for bodily injury/death per accident; EUR 1,300,000 for property damage per accident
SourcePolicyholder Notification Duty
Requirement to notify insurer of changes in vehicle ownership, responsible user, or other material circumstances
SourceInsured Vehicle Scope
MTPL covers only third-party liability; damage to the insured's own vehicle is not covered under MTPL
SourceRegulatory Oversight
Finantsinspektsioon (Estonian Financial Supervisory Authority) supervises insurer compliance with regulations
Source