Motor TPL insurance
In Estonia, motor third party liability insurance is a mandatory type of car insurance that indemnifies the other party for damages caused by your vehicle. This way, you do not have to pay for the caused damaged yourself, this will be done by your
insurance company. By purchasing the insurance in ERGO e-office, you save 10% of the regular price.
Report a claim
+372 610 6500
Our advantages
- Free towing assistance in case of an accident all over Europe 24/7. Call at 655 5401 and we will take your car to the nearest car repair shop. ERGO Traffic+
- If you are a victim in an accident, ERGO will help to deal with the
insurance company of the person causing the accident
- Possibility to add several additional covers: moose MoD, car assistance, accident insurance of the driver and compensation of claims for a replacement vehicle.
Extra covers offered for ERGO MTPL for
passenger cars and small vans in regular use:
NB! A vehicle in regular use cannot be used as a
short-term rental vehicle, emergency vehicle, a vehicle for driving practice,
for providing transport, courier or taxi services or for
ride-hailing/ridesharing (such as Bolt, Forus).
ERGO Autoabi (Car assistance) i
We will help all over Europe 24/7, for example in case of a flat tyre or fuel running out. ERGO roadside assistance phone number is +372 655 5401
Additional monthly payment of 1.50 euros
Moose MoD i
We will compensate for the damage incurred as a result of a collision with big game (wolf, bear, lynx, wild boar, red deer, moose or roe-deer), which has unexpectedly run into the road, up to 6000 euros.
Additional monthly payment of 5 euros
In case of a claim a deductible of 200 euros will apply
Compensation of claims damage for a replacement vehicle i
If you are responsible for a traffic accident and the affected party has a legitimate need for a replacement car, we will cover the cost of the replacement car on your behalf. You will only be required to pay a deductible of 50 euros.
Additional monthly payment of 1 euro
Accident insurance of a driver i
We will pay indemnity, if the traffic accident
has caused permanent disability or death of the driver. The sum insured in case
of death is 10 000 euros and in case of permanent disability 20 000
euros.
Additional monthly payment of 0.50 euros per month
Vehicle
legal protection insurance
We cover
legal costs that may arise in legal disputes related to the insured vehicle. For
example: your car service provider does not want to fix for free a problem that
reappears in a few days after the car has been repaired. You can ask advice from lawyer by
calling ERGO's legal helpline 660 4900.
Additional monthly payment of 3 euros per month
These
are voluntary additional covers and ERGO reserves the right to choose to whom
the additional covers shall be offered.
FAQ
How the price of the MTPL is calculated?
The MTPL premium is based on various components:
- Traffic damage statistics
- The area where the vehicle is used (Tallinn, Põlva county, Harju county, etc.)
- The parameters of the vehicle (power, permissible maximum mass)
- The use type of the vehicle (regular use, taxi, lease)
- The type of the vehicle (motorcycle, car, motor scooter)
Who is responsible for insuring the registered vehicle?
The person entered into the motor register as the owner of a vehicle is responsible for insuring the vehicle. If a vehicle registered in the motor register has an authorised user, the authorised user is responsible for insuring the vehicle. The Motor Insurance Bureau (LKF) is regularly checking the performance of the insurance obligation.
Where to turn to in the event of a traffic accident?
Since 2015 the law allows to contact your own insurance provider in case of a MTPL insurance event. Therefore, regardless of where the person causing the accident is insured, as a victim, you can always turn to ERGO.
How to act in case of the change of the vehicle’s ownership?
If you have a valid MTPL contract for the vehicle to be sold, which you wish to cancel and get money back, you need to submit the relevant application before the vehicle has been re-registered in the motor register. It is not possible to return the insurance premium to the previous owner in case the vehicle has been sold to the new owner together with the valid agreement.
How to act in the event of a traffic accident?
- If people were injured as a result of a traffic accident, first give them first aid and call an ambulance.
- In case the parties participating in a traffic accident do not agree on the person at fault, the police has to be called.
- If there are no injured persons as a result of a traffic accident and the parties agree on the person at fault, the accident has to be documented on paper and signed by the parties on site. If you have a form “Traffic accident notice”, use this. If you don’t have the form, fill a free text notice and make sure that it includes data about the vehicles (registration number, make and model), drivers and vehicles’ owners data (personal identity codes, names, addresses, contact information) participating in the accident as well as insurance provider’s data and outline of the traffic accident. Make sure that the party at fault confirms his or her responsibility for the damage caused by signing the notice.
- If possible, take photos of the site and the vehicles participating in the traffic accident.
- To report traffic damage, contact ERGO or the insurance company of the party who caused the traffic accident as soon as possible.
- Traffic+ towing assistance is free for passenger cars and motorcycles with ERGO MTPL policy, helping to tow the vehicle damaged in the MTPL insurance event from the site to the nearest repair shop or garage. To receive the free assistance, please call +372 655 5401.
Is there a deductible for the additional covers of the MTPL?
The deductibles of the ERGO MTPL additional covers are the following:
- • Moose MoD 200 euros
- • Replacement car claims 50 euros
No deductibles are applied to other covers.
How to act in the event of a traffic accident abroad?
- Make sure to fill in the form “Traffic accident notice” on the site or record the accident site and the statements of the parties with your smartphone. You can also fill the free text notice on paper. Make sure to document the data about the traffic accident and parties.
- If you are the person at fault, ask the victim to contact ERGO in his or her home country. If there is no ERGO office in the victim’s home country, he or she can contact his or her insurance provider.
- If it is not clear, who is at fault, don’t sign any papers. Fill in the foreign language form of the other party as well as the Estonian form “Traffic accident notice”. Ask the MTPL policy from the person at fault, photograph the policy, if possible, or write down the name of the insurance company, as a minimum.
- If you cannot achieve the agreement on who’s at fault, call the police and ask the evidence of the traffic accident from the police.
- Take photos of the damages of your own vehicle as well as the other party’s vehicle and the place of the traffic accident.
- Notify ERGO of the insured event as soon as possible.
How to act in the event of a traffic accident in Russia?
- Notify the Russian Green Card Bureau about the traffic loss at +7 8 800 200 22 75.
- Always call the police and act according to the instructions of the police.
- Do not move your vehicle before the police arrives. Make sure to take an evidence from the police, as this might be asked form you when you cross the border.
- Take photos of the damages of your own vehicle as well as the other party’s vehicle and the place of the traffic accident.
- If you are a victim of the traffic accident, contact the insurance company of the person at fault as soon as possible and act according to their instructions. NB! The victim cannot apply for the compensation in Estonia.
- If you are the person who caused the traffic accident, give the copy of your green card to the victim.
- Phone numbers of emergency services:
Ambulance (+7)112
Police (+7) 112
Important documents
You were looking for the
motor hull insurance instead, under which we compensate the loss caused to your vehicle?
Buy additional motor hull insurance
here 
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