Extracted from source documents

Salva Motor third-party liability (Mtpl Standard)

Underwritten by Salva Kindlustuse AS · Estonia

motor third-party liability insurance from Salva for the Estonia market, with online purchase.

Verified Aug 28, 2026 · Terms dated 2018-06-05Sources

Online purchase

Unique selling points

Buying the MTPL policy online at salva24.ee is 15% cheaper than the standard price.

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€5.6M

Legal Defence Costs

No limit stated

Not included in this MTPL policy.

Covered

Green Card / International Coverage

Covered

Coverage is valid in EEA member states, Switzerland, and other countries listed on the Green Card.

Page 1

Section: KUS MA OLEN KINDLUSTATUD?

Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.

Covered

Salva Autoabi (On-Scene Accident Assistance)

Covered

Every Salva MTPL policy includes the free Salva Autoabi service after a traffic accident: a professional comes to the scene and registers the accident there (tel. 684 4444).

Page 1

Section: MIKS VALIDA SALVA LIIKLUSKINDLUSTUS?

Liikluskindlustuse poliisiga kaasneb tasuta Salva Autoabi teenus liiklusõnnetuse korral. Avariisse sattumine on alati ootamatu ja ebameeldiv sündmus. Salva Autoabi teenus võimaldab kutsuda õnnetuspaika professionaali, kes nõuetekohaselt vormistab avarii otse sündmuskohal.

Covered

At-Fault Driver's Medical Treatment Costs

Covered

Treatment costs incurred at a medical facility by the driver who caused the accident are covered. Optionally, for EUR 5, an accident insurance add-on pays the at-fault driver a permanent disability benefit (or a death benefit to relatives).

Page 1

Section: ÕNNETUSJUHTUMIKINDLUSTUS LIIKLUSKINDLUSTUSEGA

Õnnetusjuhtumikindlustuse lisamine liikluskindlustuse poliisile maksab vaid 5 eurot!

Passenger Accident Coverage

No limit stated

Not included in this MTPL policy.

Key conditions

Claim notification deadline

The insurer must be notified of a traffic accident without delay, and the policyholder must follow the insurer's instructions.

Territorial scope

European Economic Area member states, the Swiss Confederation, and other countries listed on the Green Card

Documents

Policy specifics

Third Party Liability Coverage

Mandatory liability coverage for damage caused to third parties by the insured vehicle

SourcePage 1

Section: MIS LIIKI KINDLUSTUSEGA ON TEGEMIST?

Kohustusliku liikluskindlustusega on kindlustatud sõiduki valdaja vastutus kolmandale isikule sõidukiga tekitatud kahju eest.

Green Card / International Motor Insurance

Insurance validity in EEA countries, Switzerland, and green card member states

SourcePage 1

Section: KUS MA OLEN KINDLUSTATUD?

Euroopa Majanduspiirkonna lepinguriikides, Šveitsi Konföderatsioonis ja rohelisel kaardil märgitud muudes riikides.

Statutory Minimum Coverage Limits

EUR 5,600,000 for bodily injury/death per insured event in Estonia; EUR 1,200,000 for property damage per insured event in Estonia.

SourcePage 1

Section: MIDA KINDLUSTATAKSE?

Kindlustussumma Eestis toimunud kindlustusjuhtumi kohta on asjakahju korral 1 200 000 eurot ja isikukahju korral 5 600 000 eurot.

Policyholder Notification Duty

Requirement to notify insurer of changes in vehicle ownership, responsible user, or other material circumstances

SourceClause 7.4Page 2

Section: 7. KINDLUSTUSVÕTJA TEAVITUSKOHUSTUS JA SELLE RIKKUMISE TAGAJÄRJED

Kindlustusriski muutumiseks loetakse muuhulgas kindlustusega hõlmatud sõiduki kasutusotstarbe muutumist, selle kasutuskoha muutumist ning samuti sõiduki võõrandamist.

Insured Vehicle Scope

MTPL covers only third-party liability; damage to the insured's own vehicle is not covered under MTPL

SourcePage 1

Section: MIDA EI KINDLUSTATA?

Poliisile märgitud sõiduk ei ole kindlustatud. Selleks tuleb sõlmida vabatahtlik sõidukikindlustuse leping.

Insurance Period Flexibility

Policies may be written for periods ranging from 1 day to 1 year

SourcePage 1

Section: MIKS VALIDA SALVA LIIKLUSKINDLUSTUS?

Liikluskindlustuse poliisi kehtivusperiood võib olla vahemikus 1 päev kuni 1 aasta.

Regulatory Oversight

Finantsinspektsioon (Estonian Financial Supervisory Authority) supervises insurer compliance with regulations

SourceClause 13.3Page 3

Section: 13. VAIDLUSTE LAHENDAMISE KORD

Finantsinspektsioon teostab järelevalvet kindlustusandja tegevuse õigusaktidega vastavuse üle.

Sources

Salva Motor third-party liability