Vehicle's e-insurance

In the case of casco, we insure vehicles up to 15 years old and motorcycles up to 10 years old; there is no limit as to MTPL.

Calculation takes place on a monthly basis and it includes the monthly fee + the cost of days of driving that were used within the month.
In the case of motor third party liability insurance, you pay the monthly fee on the first day of driving. If your vehicle does not move within the month, you will not pay the monthly fee. The monthly fee for comprehensive insurance is collected on the first day of the month, regardless of vehicle movement. Your insurance premium will be paid automatically via direct debit from your bank account, or it is added to your monthly Telia invoice, pursuant to your use of the vehicle.

At most, you can save up to 100% on your current MTPL insurance payment, and up to 60% in the case of comprehensive insurance. By purchasing insurance on a daily basis, it will not become more expensive than a regular policy, even if you drive every day. By using the insurance on 16 or more days in one month, you will only pay for the first 16 days, and the following days until the end of the month are free of charge for you.

It is not possible to conclude an E-insurance contract while being abroad. The contract is only concluded while being in Estonia (i.e., in the home network). With a valid contract, the insurance coverage is effective as per normal. When using a manually controlled MTPL when going abroad, you need to make sure that the insurance is activated for the entire period of the trip. We cannot issue a green card in the case of manual MTPL.
Please note! You only require a green card in green card countries.

If necessary, you can find your policy from the subsection “Information” of the application.
Please note! In Estonia, a paper copy of the MTPL insurance policy does not have to be with you.

You can terminate the contract hassle-free on the mSõiduk application.
Please note! Uninstalling the application from your phone does not terminate the contract – you have to terminate the contract yourself beforehand.

According to the law, all vehicles are required to have valid motor third party liability insurance to participate in traffic. If you use E-insurance in the manually controlled way, you will have insurance coverage upon the activation thereof. When using a GPS device, the insurance protection is automatically activated when you start driving.

The motor third party liability insurance, Liiklus+ service.

In relation to night-time maintenance works in the system, it is recommended to activate the insurance cover the day before by 21:00 at the latest, in order to ensure that the insurance is activated and not hindered by technical issues. If you are certain that you do not need a policy for the following day, switch off the insurance. The activated protection is valid until the end of the current day (until 23:59:59), regardless of the fact that the switch has been turned off.

If you are certain you do not need a policy for the following day, switch off the insurance. Activated insurance is valid till the end of the day (23:59:59) even when button is in off position.

Replacement vehicle - free ERGO replacement vehicle for a passenger vehicle or a delivery van for up to 21 days

Roadside Assistance - in case of an insured event, free 24/7 towing assistance is available for passenger cars and motorcycles in Europe, by calling ERGO Autoabi on 655 5401

While using E-insurance, comprehensive insurance is valid for your vehicle, and all coverage required by leasing is ensured, even in the event that the vehicle is not in use.

The fixed excess of a passenger vehicle is EUR 200 and of a motorcycle, EUR 300. In the event of theft or robbery, the excess is 15% of the extent of damage, however, not less than EUR 200 (EUR 300 for motorcycles). In the event of a collision with an animal, no excess is applied; any loss or damage resulting from the avoidance of a collision shall be indemnified subject to the main excess. No excess is applied to glass repair. In other events of glass insurance, the excess is 10% (passenger vehicles only).

Europe, except for Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.

To use a GPS device on a motorcycle, you need an OBDII port. Please refer to qualified specialists to install it - for example, Autlo OÜ, +372 5860 1411, seade@autlo.com.