Seesam
Seesam is a motor third-party liability insurance for the EE market with online purchase and limited assistance availability.
Direct payment
The insurer pays compensation directly to the injured party (victim) on behalf of the at-fault driver. The injured party may submit a claim to their own insurer if the circumstances of the accident are agreed upon between the parties.
Geographic scope
EE
European Economic Area member states, Swiss Confederation, Andorra, Serbia, and other countries indicated on the green card
Unique selling points
- 10% discount when purchasing MTPL online through the Seesam e-shop, with instant policy issuance.
- Green card issued free of charge; e-shop customers receive it automatically by email, and self-service users can download it instantly from the portal.
- Automatically renewing contract option eliminates the risk of unintentionally driving without valid MTPL coverage.
- Claims history from any EEA country accepted for bonus-malus calculation on equal terms, regardless of the customer's nationality or country of residence.
- Optional Liiklus+ add-on (sold alongside MTPL) covers own-vehicle damage in collisions for vehicles over 6 years old, including large wildlife strikes, without needing a separate casco policy.
Coverage limits
Bodily injury liability
Covered
Covers third-party bodily injury (death, injury, or health damage) caused by the insured vehicle. The insurance sum per claim event in Estonia is 5,600,000 EUR regardless of the number of injured persons.
Property damage liability
Covered
Covers third-party property damage caused by the insured vehicle. The insurance sum per claim event in Estonia is 1,200,000 EUR regardless of the number of claimants or damaged objects.
Legal defence
Excluded
Legal defence cover is not included in the standard MTPL product. It is not mentioned in the policy terms or IPID document.
Green card (international motor insurance certificate)
Covered
The green card extends coverage to countries outside the EEA listed on the green card (e.g. Ukraine, UK, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey). E-shop customers receive the green card PDF automatically by email; self-service portal users can download and print it themselves.
Roadside assistance
Excluded
Roadside assistance is not included in the standard MTPL product. It is available as part of the Liiklus+ add-on product, which is a separate bundle sold alongside MTPL.
Driver medical expenses (at-fault driver)
Covered
The IPID and policy terms confirm that medical treatment costs at a medical institution for the driver who caused the damage are covered under the MTPL policy. The coverage amount follows the statutory limit set by the Motor Insurance Act.
Passenger accident (third-party bodily injury to passengers)
Covered
Passengers injured as third parties in a traffic accident are covered under the bodily injury liability limit (5,600,000 EUR per event in Estonia). This is part of the statutory MTPL coverage under the Motor Insurance Act.
Key conditions
territorial_scope
Coverage applies in all EEA member states and the Swiss Confederation. When a green card is also issued, coverage extends to the other countries listed on the green card. In Estonia, no physical policy document needs to be carried as coverage is checked electronically from the motor insurance register. In EU member states, Norway, Iceland, Switzerland and Serbia, the policy document suffices; in other green card countries the physical green card must be carried.
green_card_rules
The green card (international motor insurance certificate) is required when travelling outside the EEA in countries listed in the green card system. E-shop customers receive the green card PDF automatically by email together with other policy documents. Self-service portal users can download and print the green card themselves. If printing is not possible and the customer requests in advance, a printed copy can be collected from a Seesam office or sent by post.
driver_restrictions
The policyholder must notify the insurer of circumstances relevant to the risk and their changes, including the primary use of the vehicle (e.g. taxi, ride-sharing, courier, alarm vehicle, driving school vehicle, security patrol vehicle, competition vehicle). Non-standard usage not disclosed may result in a proportional reduction of benefits or a claim for penalty fee under the Motor Insurance Act.
claim_notification_deadline
Both the damage causer and the injured party must notify the insurer immediately (without delay) after a traffic accident. The damaged vehicle and other property must be preserved in their post-accident condition until the insurer's instructions are received. The accident must be reported to the police if a person was injured or killed, if the at-fault driver or the victim is not present, or if the parties cannot agree on liability.
bonus_malus_rules
The MTPL premium depends on, among other factors, the policyholder's prior insurance and claims history. The same principles are applied to all customers regardless of their nationality or country of residence. If the customer has been insured in another EEA member state, they may submit a claims history certificate issued by that country's motor insurers' bureau, which Seesam takes into account when setting the premium.
Policy specifics
Insurance territory
Geographic area defined in the insurance contract within which coverage applies
Contract type options
Two main contract types available: automatically extended contract or single contract
Insured risk
Compulsory motor third party liability insurance covers vehicle owner's liability for damage caused to third parties
Policyholder obligations
Policyholder must notify insurer of risk circumstances and changes, including vehicle main use. Must follow traffic rules and inform insurer immediately of accidents.
Vehicle non-use exemption
12-month exemption period allowed after contract expiry if vehicle does not participate in traffic