Comprehensive insurance covers the damages caused by:

• a traffic accident;
• a natural disaster;
• fire (incl. smoke, damage and fire extinguishing);
• vandalism;
• theft of property or a part thereof;
• insurance of leasing value.

Motor third party liability insurance covers: 

• liability for damage caused due to an insured event caused by the vehicle specified in the policy;
• the medical treatment costs of the driver who caused the damage.

Insured  object

The insured object is the vehicle specified in the policy in the state it was before the insured event. Any special equipment required for the intended use of the vehicle (lifting, refrigerating, heating, etc.) is insured with the vehicle, unless otherwise agreed in the insurance contract. The value of this equipment must be included in the sum insured. The sum insured is the maximum amount of the payout by the insurer specified in the insurance policy. The insurable value is the market price of the vehicle in Estonia. The sum insured does not decrease with indemnities paid out.

Vehicle’s accessories

The market value of the accessories is the indemnity limit. Accessories are the entertainment, multimedia, navigation, communications and other electronic equipment; extra lights; elements that improve the appearance and aerodynamics of the vehicle, alloy wheels, extra bumpers, taxi equipment, etc., that are fixed to the vehicle. The indemnity limit for accessories installed after the first sale of the vehicle is €1,000.

Windscreen

The excess payable for repairs and replacement of the windscreen is 10% of the damages. Main excess is applied to glass damage caused to buses.

Recovery and transport

The cost of recovering the vehicle and transportation to the repair workshop or storage site that is the nearest or specified by PZU Kindlustus, which are necessary and justified due to an insured event, are indemnified to the extent of €1,500.