Frequently asked
questions
CITY COMBO
Our Insurance covers such losses.
We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal, puthole or other object.
We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal or other object
Yes, Our Insurance covers losses to Insured Vehicle
Our Insurance covers secret or exposed theft of the Vehicle if it is committed by third parties illegally by:
- entering closed premises with clear signs of burglary– by breaking, mechanically damaging obstacles or breaking the locks installed to restrict the unauthorized access to the premises;
- breaking, mechanically damaging or unlocking safety locks, which the Vehicle is attached with to a stationary object, connected to the ground or a building.
Yes, Our Insurance covers such cases.
We shall pay the indemnity to the third party to whom You caused damages while driving Vehicle:
- damages caused to the life or health of a third party;
- damages caused to a third party’s property
Yes, Our Insurance covers such cases.
Max speed is always according to state regulations with particular vehicle.
Our Insurance covers traumas of the Insured person, who got injured while using the insured Vehicle.
HOME
During the process of concluding Insurance contract we will sugest You Sum insured for Your Apartment or House, if it's will not suit Your requirments You can change it.
! But rebember in case You changes Sum insured theare could be situatation of underinsurance (insured less then real value) or overinsurace (insured more then real value)."
Yes, You can insure apartment or house if it is rented out.
We will cover during construction and repair works if such works of the insured object don't require a construction permit in accordance with the regulatory enactments of the Republic of Latvia.
It depends on the insurance terms you choose. Concluding insurance contract You can choose deductible amount 0 EUR per claim case, so that for every claim case theare won't be any deduction.
Insurance contract can be made for 1 year and then every year We will give contract renewall.
Yes, Property insurance cover is valid for the property that is left at the insurance place during Your vacation.
You can insure all Property by Your self, don't need co-owner written consent.
Increased risk in Property insurance would be cases when Your property is uninhabited, build from wood, don't have fire or alarm systems.
JUNIOR
Yes, any sport played by the Insured is covered.
Junior accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
We recommend buying the policy for a year, but you can also buy it for a shorter period.
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
You can buy a policy for children under 18 years of age.
MTPL
The policy can be cancelled by submitting an application. You can do this through our app or on our website. Keep in mind that in the case of selling a vehicle, the insurance contract is automatically transferred to the new owner or responsible user. Therefore, if you wish to receive a refund, you must notify us of the cancellation before the vehicle changes ownership and the change is registered in the traffic registry.
It is not possible to change the responsible user on an existing policy. To do so, you need to submit a request to cancel the current policy and make a new policy with the updated information.
Each insurance company sets the premium independently. Both the vehicle's specifications and the policyholder’s background are taken into account. Vehicles used for special purposes may have different pricing.
In Estonia, motor third party liability insurance is mandatory for all registered motor vehicles used in traffic. It covers damages caused to third parties if you are responsible for a traffic accident. It does not cover damage to your own vehicle or personal injuries – for that, you need comprehensive (casco) insurance.
Document the incident in writing at the scene or fill out a digital accident report at avarii.ee. You can also submit a damage claim via our app or website. If possible, take photos of the vehicles and the scene from different angles.
The price of motor insurance is lower the more previous motor insurance contracts you have had, and higher the more traffic claims you have caused. The price may also be influenced by when the claims occurred and how large the damages were. This pricing factor is called Bonus-Malus. With an excellent history, it is possible to get a price up to 60% lower than that of a beginner driver. If you have previous motor insurance history from another country, ask your insurer there for a certificate, and we will take that history into account in the same way as if it had occurred in Estonia.
ACCIDENT
Yes, and it is highly recommended, especially if your job involves a risk of physical injury.
Injuries are burns, concussions, damage to ligaments, tendons, soft tissues and internal organs as a result of an accident.
Accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
Critical illness is a life-threatening illness, such as an oncological illness, a heart attack, or a stroke. In these cases, a one-time insurance indemnity is paid, which you can use at your own discretion. It can be used for medical expenses, rehabilitation, home remodeling or, for example, retraining to adapt to a new life situation.
Number of insured persons, age, selected insurance risks and their number, sum insured.
CASCO
Call our information line at +372 5777 9090.
Comprehensive insurance can only be taken out for vehicles with a year of manufacture from 2000 or newer.
You can submit a claim easily via our mobile app or on our website. Please make sure to include photos of your vehicle with the claim.
Comprehensive insurance is voluntary vehicle insurance that covers damage to your own vehicle — regardless of who caused the accident. This includes traffic accidents, natural disasters, vandalism, glass damage and damage caused by animals. You can find the full terms and conditions here: Terms and conditions
Yes, you may have your vehicle repaired at a repair shop of your choice. In this case, the insurance compensation will be transferred directly to the selected repair shop, based on their repair cost estimate — minus the deductible specified in your insurance policy. Please note: the compensation amount must not exceed 30% more than the repair cost estimate provided by a repair shop selected by us.
EXTREME
Yes, any sport played by the Insured is covered.
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
We recommend buying the policy for a year, but you can also buy it for half a year.
Extreme accident insurance can be used to insure against unforeseen financial losses related to injuries and bone fractures.