Pre-contract details of MTPL insurance for the client

What you need to know before concluding a contract

MTPL is mandatory for every vehicle registered in Estonia. It is used to compensate for the losses of the injured party caused by your vehicle. So you don’t have to pay for the damages yourself. In Estonia, a paper copy of the MTPL insurance policy does not have to be carried.

NB! To conclude a contract, your name must be stated on the car registration certificate as the owner, responsible user or user of the car.

Motor third party liability insurance (MTPL) helps:

• When a person is injured, a vehicle is damaged or proprietary damage is caused due to the movement of a vehicle on the road or it driving off the road.
  
• In the case of personal damage, to compensate, e.g. rehabilitation treatment, lack of capacity for work or non-monetary damage.
  
• When an accident happens during boarding or disembarking a ferry offering a regular service.
  

Why buy MTPL insurance in ERGO?

•  In the case of a MTPL insurance event, a free 24/7 towing assistance across Europe. (ERGO Liiklus+ towing assistance). In case of an insurance event, we will take your passenger car (M1, M1G), small van (N1, N1G) or motorcycle (L3, L4, L5) free of charge to the nearest repair shop or storage location by calling ERGO roadside assistance (+372 655 5401).
• If you are a victim in an accident, we will help to deal with the insurance company of the person who caused the accident.
  
• Possibility to add several additional covers: vehicle legal protection insurance, moose MoD, roadside assistance, accident insurance of the driver and compensation of claims for a replacement vehicle.
  
• With ERGO MTPL insurance, you don’t have to pay the entire insurance period payment at once. You can also pay for insurance in monthly, half-yearly and quarterly instalments without the price increasing for you.
  

A detailed overview of the types of insurance cover has been provided in the terms and conditions of MTPL insurance. See also the Motor Insurance Act.

MTPL insurance does not help:

• When an accident happens in a location that is closed off and secluded for a competition, training or any other similar event.
  
• In an area used for regular traffic, when it is closed to the general traffic (e.g. road construction).
  
• If the vehicle that caused the damage is used for forestry, field or construction works or other similar purposes and the damage has been caused directly during the work.
  

Insurance premium

The MTPL insurance premium is based on various components:

1. Traffic damage statistics 
2. The area where the vehicle is used (Tallinn, Põlva county, Harju county, etc.) 
3. The parameters of the vehicle (power, permissible maximum mass) 
4. The use type of the vehicle (regular use, taxi, lease) 
5. The type of the vehicle (motorcycle, car, motor scooter)

Term of the contract

MTPL insurance contract is always concluded for a fixed term. The policyholder can select the insurance period themselves. When selecting one year as the insurance period, your contract is updated automatically. If the period is less than one year, the contract is not renewed automatically.

Termination, cancellation and withdrawal of contract

The insurance contract terminates after the end of the insurance period, cancellation or withdrawal of the insurance contract or on other bases provided by law. The parties have the right to cancel the insurance contract pursuant to the procedure and on the bases provided for in the law and with the agreement of the parties. Upon termination of the insurance contract, ERGO does not apply administrative expenses or contractual penalties. 

You may withdraw from a contract entered into via the e-office without naming the reason, within 14 days after entry into the contract. You can send your withdrawal notice via ERGO’s web page or by e-mail to info@ergo.ee. If you withdraw from a contract, we will repay you the premiums for the time during which we did not have to bear insurance liability. 

If you wish to terminate the contract, please send a notice to the info@ergo.ee.

Do you need help?

Save ERGO’s 24/7 road assistance number: +372 655 5401.

Get road assistance digitally

Your insurance policy specifies:

• Insurance cover and amounts;
• Term of insurance;
• Amount of the insurance premium;
• ERGO contact details and road assistance contacts.

What should you know about the e-office?

• When you operate via the e-office, make sure that your information is accurate and complete. Including vehicle’s use type (taxi, courier, training vehicle, etc.).
• You can view the insurance terms and conditions and policies in the e-office.
• You can see the final cost of insurance in the e-office.
• In the e-office, you get your insurance policy, which does not need to be signed. You have entered into the contract when you are directed from the e-office to the Internet bank. As you enter the Internet bank, you become liable for payment.
• ERGO will keep all of your insurance contracts until the end of the limitation period.

Other information that you should know

• The insurance contract is concluded based on the General Terms and Conditions of ERGO Insurance Contracts and the Terms and Conditions of Motor Third Party Liability Insurance.
• You can check the terms and conditions on the ERGO website. When entering into the insurance contract you confirm that the insurer has made the general terms and conditions and insurance conditions available to you, you have read them and agree to them.
• The principles of processing the customer's personal data can be found here.
• Insurance contracts are governed by Estonian law.
• If you want to send a complaint to ERGO, please e-mail it to info@ergo.ee.
• You have the right to address a conciliation body at the Estonian Insurance Association to settle a dispute with the insurer. Before the conciliation procedure, the claim in the disputed matter must be submitted to the insurer and the insurer must be provided with an opportunity to reply to the claim. Additional information is available on the Estonian Insurance Association’s website www.eksl.ee.
• Any disputes arising from insurance contracts, including disputes concerning which no agreement is reached at an insurance conciliation body, shall be settled at Harju County Court.
• You are entitled to submit a complaint with the Financial Supervision Authority (Sakala 4, Tallinn) to protect your interests: www.fi.ee.

The insurer is ERGO Insurance SE (registry code 10017013),
address Veskiposti 2/1, Tallinn
Phone 610 6500, e-mail info@ergo.ee