Traffic Insurance
MTPL is a legal requirement in Estonia, but don’t overpay!
MoneyHub Experts says: Brokers provide a great service and are very convenient but they also add their commission., So you might consider trying each insurance providers direct website, Also it easy to just agree to the annual renewal form without checking if you find a better deal. Don’t assume that because your insurance provider is also your bank they giving you a great deal they are probably not And in some cases MoneyHub found they were shockingly over charging. Shop round, check before you sign. The devil is in the detail. Visit MoneyHub on frequently for up to the minute information. Moneyhub Price Tip: Take your insurance policy out in December before brokers adjust their prices for the following year.
Please note our top tips regarding Traffic Insurance
Are you considering ONLY taking traffic insurance and not KASKO full cover car insurance?
Further tips
If you decide to sell your vehicle?
If your vehicle is kept off the road?
For example, if you own a motorcycle, you only need to insure it for a short period once a year.
Green card and foreign countries what is it?
The green card system is designed for your convenience. You do not need to carry a green card when travelling to countries in the European Economic Area (including the European Union) or Switzerland, as the standard motor third-party liability insurance provides coverage there. However, you must bring a green card when travelling to countries outside the EU or EEA that are part of the green card system.
These countries include Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Great Britain, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, and Ukraine.
A green card is issued free of charge for the duration of your standard policy. From 1 June 2023, green cards issued in Estonia will no longer be valid in Russia and Belarus.
| Kommentaarid | Turuosa % | Meie hinnang | ||||
|---|---|---|---|---|---|---|
 | IIZI | Parima hinna vahendaja | Kindlustusmaakler |  | Vaata lähemalt | |
 | ERGO Insurance SE | Taskukohane liikluskindlustus | Kindlustusandja | 18 |  | Vaata lähemalt |
 | PZU | Parim Kasko | Kindlustusandja | 17 |  | Vaata lähemalt |
 | ADB Gjensidige Eesti | Kindlustusandja | 3 | | Vaata lähemalt | |
 | If P&C Insurance AS | Kindlustusandja | 18 |  | Vaata lähemalt | |
 | LHV | Kõrge standard | Kindlustusandja | 1 | | Vaata lähemalt |
 | Salva Kindlustuse AS | Kindlustusandja | 6.5 | | Vaata lähemalt | |
 | Vienna/Seesam | Kindlustusandja | 12 |  | Vaata lähemalt | |
 | Swedbank | Kindlustusandja | 15.5 | | Vaata lähemalt | |
 | BTA | Soodne | Kindlustusandja | 8.5 | | Vaata lähemalt |
 | KindlustusEst Kindlustusmaakler | Kindlustusmaakler | | Vaata lähemalt | ||
 | Smart Kindlustusmaakler | Kindlustusmaakler | | Vaata lähemalt |
Car Insurance FAQs
Traffic insurance is mandatory insurance in Estonia, which protects your vehicle against damage caused to other persons or their property in an accident. It is an important insurance that ensures you do not have to bear the costs in case of damage.
The cost of traffic insurance depends on several factors, including the type of vehicle, age, intended use, and insurance company. The Estonian Traffic Insurance Fund and Estonian insurance companies offer traffic insurance calculators to help you find a suitable insurance premium.
Comprehensive insurance is one of the most important types of car insurance, which protects your vehicle against various risks, including traffic accidents, fire, vandalism, theft, and natural disasters. Comprehensive insurance is optional, but it can be very useful if you want to protect your vehicle to the maximum.
If you want to insure your vehicle, you must first register it. During registration, a registration number is assigned to your vehicle, and vehicle details such as make, model, engine power, number of seats, and registration mass are obtained. These details are essential when taking out insurance, and the insurer uses them to calculate the insurance premium.
As a vehicle owner, you have certain rights and obligations regarding insurance. You must ensure that your vehicle has valid traffic insurance and, if necessary, comprehensive insurance. You must also ensure that your vehicle registration number is always visible and legible and that the vehicle has a valid inspection.
If you want to take out insurance, you have the right to choose the insurer with whom you want to take out insurance. You also have the right to receive information from the insurer about insurance terms and prices.
Once you have taken out insurance, you must ensure that you pay insurance premiums on time and inform the insurer of any changes that may affect the validity of the insurance.
Yes, car insurance covers damage caused in a traffic accident if you have chosen the appropriate insurance coverage. If you have caused a traffic accident that damaged another person’s property or health, car insurance compensates for the damage according to the agreed terms of the insurance contract.
Car insurances can cover various risks, such as traffic accidents, theft, fire, vandalism, etc. Comprehensive insurance usually offers broader insurance coverage but is also more expensive. Traffic insurance is mandatory insurance that covers damage caused in traffic accidents to other persons.
No, traffic insurance is mandatory in Estonia, and without it, other types of car insurance cannot be taken out. Traffic insurance covers damage caused in traffic accidents to other persons.
Yes, if you have chosen the appropriate insurance coverage, car insurance compensates for damage caused by theft according to the agreed terms of the insurance contract. Theft can be insured with both comprehensive and traffic insurance.
Traffic insurance is mandatory insurance that covers damage caused in traffic accidents to other persons. Comprehensive insurance provides broader insurance coverage, including risks such as theft, fire, vandalism, etc.
Comprehensive insurance is optional, and its price depends on the chosen insurance coverage.