Compensa Vienna Insurance Group, ADB Eesti Filiaal (brand name: Seesam)
Seesam
Seesam is a motor third-party liability insurance for the Estonia market with online purchase and limited assistance availability.
Direct payment
Per the Traffic Insurance Act, the policyholder can quickly and conveniently turn directly to Seesam for compensation regardless of who was at fault in the accident.
Geographic scope
European Economic Area member states, Switzerland, and other countries marked on the green card
Coverage applies in EEA countries and Switzerland; a green card is additionally required for driving in listed non-EEA countries such as Ukraine, UK, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, and Turkey
Unique selling points
- 10% discount on MTPL when purchased through Seesam's online e-shop.
- Loyalty program bonus money accumulates and can be used toward future purchases from the e-shop.
- Policyholders can instantly self-serve download and print their green card online instead of waiting for postal delivery.
- The optional Liiklus+ extension lets customers also cover their own vehicle's damage from collisions with other vehicles, pedestrians, or large game animals, on top of standard MTPL.
- Regardless of who is at fault, customers can turn directly to Seesam for a quick and convenient claims settlement.
Coverage limits
Bodily injury liability coverage sum
€5,600,000
For an insured event occurring in Estonia, the coverage sum for death, health damage or bodily injury is EUR 5,600,000, regardless of the number of injured persons.
Property damage liability coverage sum
€1,200,000
For an insured event occurring in Estonia, the coverage sum for destruction of or damage to property is EUR 1,200,000.
Legal defence costs coverage
No limit stated
No mention of a distinct legal defence cost coverage benefit was found in the reviewed sources for this MTPL product.
Green card (international motor insurance certificate)
Covered
Coverage extends to countries marked on the green card. Policyholders with a valid policy can download and print the green card themselves via self-service, or request it by email; a green card is required for driving in specific non-EEA countries.
Roadside assistance / towing costs
€500
Towing costs following a traffic accident are covered up to EUR 500, but only as part of the optional Liiklus+ extension purchased together with the MTPL policy, not under standalone MTPL.
At-fault driver's treatment cost coverage
Covered
The treatment cost of the driver who caused the damage, incurred at a medical institution, is covered under the MTPL policy.
Passenger bodily injury coverage
Covered
Passengers injured in an accident are compensated as third parties under the vehicle holder's civil liability coverage, within the overall bodily injury liability coverage sum.
Key conditions
Territorial scope
Coverage is valid in all EEA contracting states and Switzerland; if a green card has been issued, coverage also extends to countries marked on that green card.
Green card rules
A green card (international motor insurance policy) is required for driving in countries such as Ukraine, the UK, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia and Turkey; it can be self-service downloaded and printed, or requested by email.
Driver restrictions
The policyholder must comply with traffic rules and behave reasonably while driving; the insurer may seek recourse from the person who caused damage, for example if the damage was caused intentionally or while driving under the influence.
Claim notification deadline
The person who caused the damage and the injured party must notify either the at-fault driver's insurer or the injured party's insurer of the insured event without delay.
Bonus-malus rules
The reviewed sources do not provide specific detail on a bonus-malus scale; they only state that the premium is calculated from the insurer's approved tariffs and the policyholder's submitted data, and may differ between insurance periods.
Policy specifics
Contract types available
Two contract types offered: Automatically renewing contract and One-time contract
SourceInsurance provider entity
Seesam insurance is provided by Compensa Vienna Insurance Group, ADB Estonian branch
SourceStatutory minimum coverage limits
Minimum coverage: €6,450,000 per accident for bodily injury/death; €1,300,000 per accident for property damage
Source