Motor TPL insurance
Motor TPL insurance is part of the everyday life of every vehicle owner as all vehicles registered in Estonia must be insured with motor TPL insurance. Motor TPL insurance, which is regulated by law, indemnifies the loss caused by the driver to others in an accident and also any medical costs of the driver, if necessary.Motor TPL insurance contract is free and entered into for an unspecified term, but does not automatically provide full insurance coverage. In addition to the regular contract, a policy must be bought for a specified term, which grants the right to use the vehicle, as well as full insurance coverage. The term of the policy may be 1 day to 12 months depending on the wishes of the policyholder.
Entry into the contract
When entering into a motor TPL insurance contract, you can choose between one of two options.
- Yes-contract, where ERGO automatically sends you a new policy when the previous one expires.
- No-contract, where your contract becomes premium-free at the expiry of your policy. You have to keep an eye on the term of your policy to make sure you buy a new one at the right time. The vehicle cannot be used in traffic during the period when your contract is premium-free.
If you use the vehicle all year round, a yes-contract is the easiest and cheapest option for you, as it means that ERGO posts or e-mails the new policy to you at the right time. It allows you to save valuable time and money, because policies tied to yes-contracts are cheaper. The policy is also cheaper if you buy it for at least three months or more.
A regular motor TPL insurance contract from ERGO can be entered into at all ERGO branches and by agents (insurance brokers, credit institutions).
I wish to receive an offer for ERGO MTPL insurance
Motor TPL insurance is regulated by the Motor Third Party Liability Insurance Act.