Motor third party liability insurance (MTPL)

Motor third party liability insurance is governed by the Motor Insurance Act and ERGO’s terms and conditions for additional motor third party liability insurance cover.  

Motor third party liability insurance is compulsory for all vehicles on the road, so it is regulated by the Motor Insurance Act. The Motor Insurance Act answers the main important questions that policyholders may have.  

The terms and conditions of the additional covers for ERGO’s motor TPL insurance.

Motor third party liability insurance premium is the result of a combination of several components:   

• general statistics on traffic damage   
• traffic damage caused by the owner or responsible user of the vehicle  
• the area where the vehicle is used (Tallinn, Põlva County, Harju County, etc.)   
• vehicle parameters (power, registration weight, etc.)   
• the use of the vehicle (normal use, taxi, rental car, etc.)   
• type of vehicle (motorcycle, car, scooter, etc.)   

To be eligible for the calculation of foreign claims history, you must provide a certificate of claims history issued by the respective national registry. 

Motor third party liability insurance can be taken out for as little as one day. 

You can check the validity of your cross-market motor third party liability insurance on the Traffic Insurance Fund’s website. You can find out more about the valid ERGO contract at our self-service portal. 

The person registered as the owner of the vehicle is obliged to take out insurance.  If a responsible user is entered in the road register, the insurance obligation is on the responsible user. The Traffic Insurance Fund (LKF) constantly monitors compliance with the insurance obligation. 

Yes, if the person who caused the damage is known. If the damage has been caused in such a way that the person who caused the damage is unknown (not seen), it should be dealt with immediately and options should be explored to help identify the possible perpetrator, e.g. checking the parking security cameras, looking for witnesses, etc.   

Yes, a moped has to have motor third party liability insurance.  

You can take out motor third party liability insurance with ERGO for exactly the period you want – from one day to one year. 

Motor third party liability insurance is valid in the green card countries. Find out more on the LKF website. 

The green card is an internationally recognised form of insurance policy document which is needed when driving outside of Estonia. More information can be found on the LKF website.  

Injuries to a vehicle caused by a collision with an animal are not covered by motor third party liability insurance. A collision with an animal is a traffic accident and compensation is paid for personal injuries. The additional coverage of the moose insurance helps in the event of a collision with a large animal. In that case, we will reimburse up to EUR 6,000 according to the terms and conditions. If you have an expensive vehicle, it is also worth taking out our comprehensive insurance.  

Of the additional coverages of ERGO’s motor third party liability insurance, only the Moose MoD has a deductible, which is EUR 200.  

You can check your motor third party liability insurance claims on the LKF background check page. 

• If people have been injured as a result of a traffic accident, then give first aid to the victims and call an ambulance.   
• If the parties involved in the traffic accident cannot agree on the culpability, the police must be called to the scene.   
• If there are no injuries and the parties agree on the party who caused the accident, the accident must be documented at the scene. We recommend you use the convenient digital form on avarii.ee which you can fill in on your phone. If you want to write by hand on paper, you can use the form ‘traffic accident report’ or write on a blank piece of paper. The report must include details of the vehicles involved (registration plate, make and model), the drivers, the owners (personal identification number, names, addresses, contact details) and the insurer, as well as a diagram of the accident. Make sure that the person who caused the damage confirms their liability for causing the damage with their signature.   
• If possible, take pictures of the scene and the vehicles involved in the accident.   
• To report a traffic accident, contact ERGO or the insurance company of the person who caused the accident as soon as possible.   
• For passenger cars and motorcycles with the ERGO motor third party liability insurance policy, the Traffic+ towing service is free of charge. It will assist in towing the damaged vehicle from the accident scene to the nearest repair shop or parking facility in the event of a motor insurance claim. For free assistance, please call 372 655 5401. 

Since 2015, the law allows you to turn to your own insurance company in the event of a motor third party liability insurance claim. So, no matter where the person who caused the accident is insured, you as the injured party, always have the option of dealing with ERGO.  

According to the amendment to the Motor Insurance Act that entered into force on 01.12.2024, motor third party liability insurance must be taken out for a vehicle that is not registered in the road register and whose design speed exceeds 25 km/h, or for a vehicle whose design speed exceeds 14 km/h and whose mass, fully laden, without load and driver, exceeds 25 kg. For example, such a vehicle may be a mini-moped, a larger electric scooter or a small tractor if you use it on public roads.