Skip to content
ERGO logo

user_menu_login_choice_title

user_menu_changing_role_title

user_menu_role_select_warning

Motor TPL insurance for corporate clients

Compulsory motor third party liability (MTPL) insurance indemnifies damage caused to another person or their property while using the vehicle as a means of transport, regardless of the terrain on which you use the vehicle or whether the vehicle is stationary or moving.


Request roadside assistance online or call: +372 655 5401

Buy online -10%

Motor third party liability insurance covers the expenses that may occur in the event of a traffic accident.

Motor third party liability insurance is compulsory in Estonia for both private and legal persons. It covers the damage you could cause to the other party. The contract can be concluded for a period that is convenient for you, starting from one day and ending with a one-year contract.

Flexibility

Flexible payment options. You can choose to split your motor third party liability insurance payments by month, quarter, half-year or year. The final amount will not change as a result.

Fleet insurance management

We manage insurance for all company vehicles. You can leave the vehicles in the care of ERGO ─ the risks are mitigated.

Towing assistance

Emergency towing for passenger cars, vans, and motorcycles. You can be sure that the vehicle and its driver will not be alone and help will arrive quickly.

Additional covers

It is possible to choose additional covers, such as driver’s accident insurance and legal protection insurance.

24/7 roadside assistance

You can add an additional cover of paid ERGO roadside assistance, which gives peace of mind to both the driver and the company. Roadside assistance covers both major troubles when the car is stuck on the road and simpler ones, such as loss of car keys, running out of fuel, and getting stuck in the snow.

Wild animal collision insurance

In addition, it is also possible to choose wild animal collision insurance, which will help to mitigate the risks in the event of a collision with a wild animal.

Flexibility

Flexible payment options. You can choose to split your motor third party liability insurance payments by month, quarter, half-year or year. The final amount will not change as a result.

Fleet insurance management

We manage insurance for all company vehicles. You can leave the vehicles in the care of ERGO ─ the risks are mitigated.

Towing assistance

Emergency towing for passenger cars, vans, and motorcycles. You can be sure that the vehicle and its driver will not be alone and help will arrive quickly.

Additional covers

It is possible to choose additional covers, such as driver’s accident insurance and legal protection insurance.

24/7 roadside assistance

You can add an additional cover of paid ERGO roadside assistance, which gives peace of mind to both the driver and the company. Roadside assistance covers both major troubles when the car is stuck on the road and simpler ones, such as loss of car keys, running out of fuel, and getting stuck in the snow.

Wild animal collision insurance

In addition, it is also possible to choose wild animal collision insurance, which will help to mitigate the risks in the event of a collision with a wild animal.

What does ERGO motor TPL insurance cover?

Motor third party liability insurance is a mandatory type of insurance that, in the event of a traffic accident, covers the damage caused to the other party. In addition to the scope of motor third party liability insurance cover specified in the law, you can add additional covers for passenger cars, vans, and motorcycles that are just right for you. This way, you can tailor the insurance to meet your needs.

Motor Insurance Act

The Motor Insurance Act guarantees compensation for damage to the injured party to the extent of the provisions of the Law of Obligations Act, taking into account the differences provided for in the Motor Insurance Act.

What does ERGO motor TPL insurance cover?

Motor third party liability insurance is a mandatory type of insurance that, in the event of a traffic accident, covers the damage caused to the other party. In addition to the scope of motor third party liability insurance cover specified in the law, you can add additional covers for passenger cars, vans, and motorcycles that are just right for you. This way, you can tailor the insurance to meet your needs.

In the case of a larger fleet, it is worth asking for a separate offer.

ERGO roadside assistance

Available 24/7

If you are on a short trip to the city or a longer journey, an unexpected breakdown or accident may ruin your plans. We are there 24/7 to solve your problem quickly and get you back on the road as soon as possible. The service is available all over Europe. Call +372 655 5401.

Principles of historical loss accounting 

The insurance and loss history of the owner or responsible user of the vehicle affects the formation of the motor third party liability insurance payment: the longer the insurance history and the fewer cases caused, the lower the risk assessment. 

In order to calculate the loss history of a foreign country, submit a certificate of the history of claims issued by the motor third party liability insurance fund of the respective country.  In addition, the price of motor third party liability insurance is influenced by general statistics on traffic damage, the area of use of the vehicle, vehicle parameters (e.g., capacity, permissible maximum mass, etc.), the type of vehicle (e.g., passenger car, motorcycle), and the area of use of the vehicle (e.g., normal use, taxi, rental). 

Green card

When and for what?

When driving abroad, it is important to know how motor third party liability insurance applies in a particular country. To this end, you need a European Green Card, which you can take with you both on paper and digitally.

Good to know / FAQ

Terms and conditions and information documents