Conditions of LHV Gold Card Travel Insurance

Valid from 11.06.2025

The terms and conditions of travel insurance describe the insurance cover of travel insurance, behaviour in the event of a loss event, and the principles for the compensation of damage.

The purpose of travel insurance is to assist the insured person in the event of possible unexpected events related to the trip and to expenses, to ensure that the trip goes smoothly.

The insurance applies together with an LHV Gold Card issued to a private client (hereinafter the ‘card’). The insurance cover starts when the plastic card is activated and ends on the last day of the plastic card’s validity. If the plastic card is activated before you receive it, or if it is a virtual card, the insurance cover starts 72 hours after the card is activated. The insurance applies to trips that start from the home country during the period of insurance cover.

Insurer is AS LHV Kindlustus (hereinafter LHV).
The policyholder is AS LHV Pank.

The insured person is a cardholder of up to 79 years of age (inclusive) and his/her spouse or partner of up to 79 years of age (inclusive) travelling with him/her, children and grandchildren of up to 21 years of age (inclusive) of the insured person and his/her spouse or partner. The insurance cover does not apply to these persons if they travel separately from the cardholder, meaning that if they start the trip and return at a different time than the cardholder and/or use a different means of transport or stay in different accommodations. If a person is insured on the basis of multiple LHV bankcards covered by travel insurance, the sums insured and indemnity limits of different bankcards are summed up. If a person is insured on the basis of multiple LHV bankcards covered by travel insurance and/or under a travel insurance policy taken out with LHV, the maximum sum insured for medical assistance insurance is EUR 1,000,000.

LHV will compensate for the damages caused by an insured event up to the total sum insured specified in these insurance terms and conditions (hereinafter the ‘Terms and Conditions’) for all insured events of the same trip.

The sums insured and indemnity limits apply per card, except for the sum insured of the medical assistance insurance and accident insurance, which apply per each insured person.

Contact details of the insurer

Client support
Mon–Fri 9–17
699 9111
kindlustus@lhv.ee
www.lhv.ee

Claims handling
Mon–Fri 9–17
680 1122
kahjud@lhv.ee
www.lhv.ee

Table of sums insured

The table shows the sums insured for travel insurance, the indemnity limit and the insurance deductible. The table shows the maximum amounts to which LHV indemnifies damage caused by an insured event in the event of insured events occurring during one (1) trip. If the actual damage is less, it shall serve as the basis.

Insurance cover	Sum insured/indemnity limit	Insurance deductible
Travel interruption insurance
Sum insured for travel interruption insurance	EUR 2,500	EUR 50
including the indemnity limit for event tickets	EUR 150
including the purchase of essential items if public transport is delayed	EUR 200 / EUR 300	4 hours / 24 hours
Medical assistance insurance
Sum insured of medical assistance insurance	EUR 750,000
including the indemnity limit for dental treatment	EUR 500
including the indemnity limit for reimbursement of a medical device	EUR 200
Baggage cover
Sum insured for baggage cover	EUR 1,200	EUR 50
including the sum insured for computer and electronic equipment	EUR 1,200	EUR 200
including the baggage delay indemnity limit	EUR 500	up to 4 hours
including the indemnity limit for the replacement of documents	EUR 200
Accident insurance
In the case of a permanent disability	Up to EUR 50,000
In the case of death (person over 16 years of age)	EUR 50,000
In the case of death (person less than 16 years of age)	EUR 2,000
Liability cover
Sum insured for liability insurance	EUR 100,000
including in the case of damage to sports equipment, a room, a flat or a building in the possession or use of the insured person	EUR 2,000
Legal costs
Sum insured for legal expenses	EUR 10,000
including the indemnity limit for bail	EUR 5,000
Rental car deductible insurance
Sum insured for rental car deductible insurance	EUR 2,000

Definitions

An insured event is an event provided for in the Terms and Conditions, in the event of which LHV must fulfil its obligation to perform arising from the Terms and Conditions.

A loss event is an unexpected event that results in material or health damage.

The sum insured is the insurable value of the insured object or the largest amount of money to the extent of which LHV indemnifies the damage caused due to the insured event. LHV shall not compensate more than the sum insured specified in the Terms and Conditions for all insured events of the same trip combined. The sums insured are valid for one (1) insured card. The sum insured of medical assistance insurance and accident insurance applies to each insured person separately.

The indemnity limit is the maximum amount of money to which LHV shall compensate the damage caused as a result of the insured event. The indemnity limit may be set for a specific event, risk, asset, or item. If indemnity limits are established in the Terms and Conditions for a certain event or expenses, LHV will pay compensation up to the indemnity limit. The indemnity limit is not added to the sum insured, but is included in it.

The insurance deductible is the amount borne by the insured person in the event of an insured event. The insurance deductible is deducted from the insurance benefit payable. The deductible rate applies separately to each insured event. If the insurance benefit is subject to an indemnity limit, the insurance deductible is deducted from the actual amount of the damage.

The insurance remains valid for the first 90 days of the trip after leaving the home country. If the insured person cannot return from the trip by the expiry of the insurance period due to the insured event, the insurance cover is automatically extended by 48 hours.

The area of validity for the insurance is the entire world outside of the home country. Travel interruption insurance is also valid in the home country in the cases provided in the Terms and Conditions.

The home country is the country where the insured person resides.

A trip is temporary travel by the insured person from their home country to one (1) or more countries.

A public transport vehicle is a vehicle, including a ship, train, or plane that serves a regular line. Means of transport, for example, a charter plane and a shuttle bus organised by a tour operator or a provider of accommodation will also be regarded as public transport.

A smart device is defined as a smartphone, tablet, smart watch, smart pods and smart speakers.

An electronic device is a device that is used for entertainment, communication or other personal use, such as photographic equipment, video and audio equipment, desktops and laptops, and drones.

An event ticket is a ticket for a service, such as a play, a tour, a festival or a sporting activity, purchased for leisure.

Travel interruption insurance
Travel interruptions are:
- cancellation of the trip,
- change of the travel plan,
- interruption of the trip.
  Cancellation of the trip
1. An insured event is an insured person’s cancelled trip or cancelled return from a trip to their home country if the reason for this is the insured person’s:
  - sudden illness, serious bodily injury, or death;
  - sudden illness, bodily injury, or death of a close relative, which makes the presence of the insured person essential;
  - sudden illness, bodily injury, or death of the travel companion with whom he/she was planning to travel, which prevents the travelling companion from travelling;
  - sudden damage to property located in the home country, due to which the presence of the insured person is essential.
2. In case of trip cancellation, LHV shall reimburse up to EUR 2,500 of the cost of unused services paid for but not refunded by the service provider, including:
  - travel expenses,
  - accommodation costs,
  - event tickets up to EUR 150.
  Change in the travel plan
3. An insured event is a change in the insured person’s travel plans due to:
  - delay or non-departure of a public transport vehicle, flight or booked bus, if the ticket had already been purchased or booked;
  - traffic accident involving an accident or an emergency stop of a means of transport, including an aircraft, taxi, or rental or leased car, including due to a technical fault;
  - missing the transport for the following reasons:
    - delay or loss of baggage due to the fault of the transport company;
    - weather conditions or natural disasters;
    - criminal offence;
    - reasons arising from the transport service provider, including overbooking;
  - life-threatening condition, serious bodily injury or death of the insured person or his/her travel companion.
4. In the event of changes in the travel plan, LHV shall reimburse up to EUR 2,500 of the following costs:
  - reasonable travel and accommodation expenses to continue the trip;
  - the costs of unused services which have been paid for, but which are not reimbursed by the service provider (travel and accommodation expenses, event tickets, etc.).
  - the following unavoidable costs incurred while waiting for a public transport vehicle abroad, up to EUR 200 if the public transport vehicle is delayed by more than four (4) hours and EUR 500 if the public transport vehicle is delayed by more than 24 hours:
    - the cost of meals and toiletries;
    - the cost of essential clothing if the insured person’s baggage is in the possession of a transport company.
  Interruption of the trip
5. Insured event is the return of the insured person from the trip to the home country for the following reasons:
  - life-threatening condition, serious bodily injury or death of the insured person or a person he/she is travelling with;
  - sudden illness, bodily injury or death of a close relative in the insured person’s home country, which makes the presence of the insured person essential;
  - sudden damage to the property of the insured person in their home country, which makes the presence of the insured person essential.
6. In the event of a trip cancellation, LHV shall reimburse up to EUR 2,500 of the following costs:
  - reasonable travel and accommodation expenses for the return of the insured person to his/her home country;
  - the cost of unused services that have been paid for but not reimbursed by the service provider (travel and accommodation expenses, etc.);
  - event tickets up to EUR 150;
  - if the interruption of the journey results in additional transport or accommodation costs and if the transport or accommodation services already paid for and not reimbursed by the service provider are not used, one (1) of them will be reimbursed.
  Trip interruption due to an emergency
7. The insured event is the evacuation of the insured person to the home country due to the following events that occurred during the trip:
  - war, armed conflict, terrorism or riots;
  - natural disaster;
  - pandemic or epidemic.
8. In the event of a trip interrupted due to a state of emergency, LHV shall compensate travel and subsistence expenses for return to the home country from the occurrence of that event, within 14 days from the moment of the event specified in clause 1.7 taking place.
  Conduct in the case of travel disruption
9. In the case of travel disruption, the providers of trip-related services (including travel service, accommodation service) must be notified immediately to apply for a refund or reimbursement of additional costs related to the disruption.
10. LHV must be notified immediately of the travel disruption and the instructions given by LHV must be followed.
11. In the event of falling ill, the person must contact the medical institution and provide LHV with an extract from the medical history.
12. To establish the circumstances of the loss event, LHV may demand from the insured person, inter alia:
  - documents proving the costs incurred as a result of the incident, as well as a reply from the service provider as to whether and to what extent it will reimburse the costs;
  - a certificate from the transport company stating that the vehicle was delayed;
  - health data for the establishment of a loss event (including medical certificate and transcript of health data);
  - additional evidence, such as proof of departure and staying abroad;
  - the explanations about the loss event.
  Exclusions from travel interruption insurance
13. LHV shall not reimburse the costs related to a travel disruption loss event if the travel disruption is caused by the insured person’s:
  - health condition or changes in health not related to sudden illness;
  - mental and behavioural disorders, including depression;
  - pregnancy, related complications or delivery;
  - LHV does not pay compensation if the trip is interrupted due to not having allocated time properly for layovers and security checks, regular weather conditions, characteristics of the local transport system, traffic congestion, etc.
    Example. The insured person is denied boarding because there was less time than planned to change planes and undergo a new security check;
  - missing or incomplete documents, such as an expired passport or a missing visa and/or vaccination certificate;
  - acts or omissions of the tour operator or travel agent or travel intermediary, as well as payment difficulties.
14. LHV shall not reimburse the following costs related to the loss event:
  - loss of income and/or damage due to travel interruption caused by the loss of travel-related opportunities, such as a contract not concluded, missed contacts and experiences, also loss of income;
  - the costs of the repair, storage, write-down or transport of a means of transport, including the cost of returning it to the home country;
  - expenditure on food, drink, and other essential goods, unless these were essential while waiting for the public transport abroad and the public transport was more than four (4) hours late;
  - the cost of unused travel and accommodation services if the travel and accommodation expenses described in clause 1.4 are reimbursed for the continuation of the journey.
15. LHV shall not cover travel disruption in the event of a trip interrupted due to an unforeseen event:
  - the costs of unused travel services;
  - organising the evacuation of the insured person. Evacuation should be done based on instructions from local authorities or the Ministry of Foreign Affairs of the home country;
  - loss or expenses, if the event that caused the evacuation started before the insured person arrived in the crisis area of the event specified in clause 1.7;
  - if the Ministry of Foreign Affairs of the home country has published information on avoiding an area or country and the insured person travelled there after the information was published.
  General principles for the compensation of damages related to an insured event of travel accident
16. In the event of an insured event of travel accident, LHV shall compensate the expenses of the insured person specified in the Terms and Conditions in proportion to their share of the expenses incurred.
17. LHV shall not reimburse costs incurred by legal persons.
18. Upon compensation of an insured event of travel accident, the deductible rate of EUR 50 applies for each insured event.
  Example. If a flight is delayed on both the outward and return legs of a single journey, two separate deductibles will apply, which means that EUR 50 will be deducted from the amount of each indemnity.
Medical assistance insurance
An insured event of medical assistance insurance is the following event starting in a foreign country that has occurred to the insured person:
- such sudden deterioration of health, the first symptoms of which appear during the trip and for the treatment of which they need urgent medical care;
- death during the trip.
Medical assistance insurance also covers participation in sports competitions such as cycling, skiing, running (including marathons) and triathlon, as well as in training camps for these sports.
In case of a medical assistance insured event, LHV will indemnify the following expenses in the amount of up to EUR 750,000 (except for dental care and medical aids, to which the indemnity limits set out below apply).
1. Medical expenses and medicines
  The expenses on medications and medical treatment abroad during the trip and arising from the event of medical assistance insurance, if these were made within 60 days as of the occurrence of the insured event.
2. Dental treatment
  Expenses due to the treatment of unexpected tooth pain in a foreign country and/or emergency dental treatment expenses due to an accident (e.g. a fall) during the trip, including examinations and medicines in the amount of up to EUR 500.
3. Pregnancy-related medical care
  Compensation for the emergency medical care expenses due to unexpected complications of pregnancy within the first 35 weeks of pregnancy.
4. Medical aids
  The costs of repairing or replacing the prosthesis, hearing aid, or glasses of the insured person which were broken as a result of the insured event of medical assistance insurance, up to EUR 200 per insured event. Expenses for medical aids (e.g. glasses, hearing aids, wheelchairs, crutches) abroad due to the insured event of medical assistance insurance, if prescribed by a doctor, up to EUR 200 per insured event
5. Burial or cremation costs
  Burial or cremation costs of the insured person abroad and/or costs of bringing his or her corpse or cremated remains home. Arranging for burial or cremation abroad or the method of transporting the corpse or cremated remains must be agreed with LHV beforehand.
6. Travel expenses
  - Travel expenses of the insured person to receive medical care abroad.
  - Repatriation expenses of a seriously ill or injured insured person to his or her home country. A doctor, approved by LHV, shall decide whether and when it is possible and necessary to transport the insured person to his or her home country and shall decide on the means of transport for that. The method of transporting the insured person must be agreed with LHV beforehand.
  - The expenses for the repatriation of a minor insured person travelling together with an adult insured person to his or her home country, if, due to being hospitalised as a result of an insured event of medical insurance, the adult insured person cannot return to Estonia together with the minor insured person.
7. Accommodation costs
  Additional accommodation costs for the insured person until returning to their home country if he or she is unable to return from the trip as planned due to an insured event of medical insurance. LHV reimburses the additional cost of accommodation in the same accommodation establishment or in an accommodation establishment of the same quality class.
8. Medical documents
  Costs of drafting, reproducing, and sending of medical documents, if this is necessary to handle the claim.
9. Family member travelling to the insured person or a travel companion staying with the insured person
  - Reasonable additional cost of accommodation of one (1) travel companion remaining abroad with a sick, injured, or deceased insured person and travel expenses to return to the home country, up to the sum insured for travel interruption, if it is absolutely necessary (e.g. mother remaining with the child).
  - Travel, accommodation and food costs of one (1) family member of the insured person to travel to and back from the ill or injured insured person, if no travel companion remained with the insured person and if the insured person cannot be transported to the country of his or her country of residence within 10 days as of the insured event. The costs are reimbursed from the sum insured of the medical assistance insurance of the insured person.
  Activity upon an insured event of medical insurance
10. If, in the case of an insured event, the insured person requires medical care which is not hospital treatment, they may turn to a licensed medical institution.
11. If the insured person needs hospital treatment in the event of an insured event, he/she must call LHV as soon as possible.
12. In the event of an insured event of medical assistance insurance, LHV will indemnify for the hospital treatment, repatriation to their home country, burial or cremation of the insured person. LHV only reimburses the costs of these services if these have been coordinated with LHV in advance.
13. In order to apply for the insurance benefit, the following documents must be submitted:
  - notification of the occurrence and circumstances of the insured event and application for the insurance benefit;
  - medical certificate containing the diagnosis and date of the event;
  - invoices for medicines, treatment, accommodation service and transport;
  - if necessary, additional evidence to establish the circumstances of the loss event (such as proof of length of stay abroad, and health data such as a medical certificate or a transcript of medical records).
  Exclusions from medical assistance insurance
14. Expenditure incurred in the home country
  LHV shall not compensate expenses incurred in the home country, even if these were caused by an insured event that occurred abroad.
15. Costs related to illness or injury that appeared or was sustained before the start of the trip
  LHV shall not reimburse treatment costs caused by an illness or an injury that appeared before the trip. This exemption is not applied to first aid in the case of life-threatening exacerbations of chronic illnesses. A chronic disease is one that is recurrent or continuous in nature.
16. Costs of scheduled treatments
  LHV shall not cover the cost of planned medical treatment, including planned cosmetic surgery, planned dental treatment or treatment and/or follow-up treatment in the home country.
17. Pregnancy and childbirth
  LHV shall not cover the cost of pregnancy, childbirth, abortion or related complications, as well as post-natal care or treatment, if the pregnancy has lasted more than 35 weeks. The exclusion is applied to the costs related to both the mother and the baby.
18. Costs incurred by the family member travelling to the insured person or by the travelling companion remaining with the insured person
  - LHV shall not reimburse the accommodation costs for the time when the insured person had recovered to such an extent that it would have been medically possible to return to or be returned to his or her home country at the first opportunity.
  - LHV shall not reimburse the costs incurred by the family member travelling to the insured person or by the travelling companion remaining with the insured person for the time when the insured person had recovered to such an extent that it would have been medically possible to return to or be returned to his or her home country.
19. Costs of obtaining medical documents
  LHV shall not reimburse travel and accommodation expenses related to obtaining medical documents.
20. Travel expenses of other persons
  - LHV shall not compensate the travel and accommodation expenses of a travel companion and or family member accompanying the insured person within the extent to which the latter should have incurred costs even if no insured event had occurred.
    Example. The accompanying person’s expenses are not reimbursed if the insured person is hospitalised during the trip, but the travel plan of the accompanying travelling companion does not change, i.e. he/she stays in the same place and returns to the home country at the planned time.
  - LHV shall not compensate the travel expenses (transport, accommodation, etc.) of persons attending the funeral or cremation ceremony of the insured person or the expenses of a funeral banquet.
    2.21. Expenses of return of the insured person to his/her home country
  - LHV shall not reimburse the cost of returning to the home country when the insured person returned from the trip themselves without co-ordinating it with LHV beforehand, or disregarded the instructions of LHV or the doctor upon returning to their home country.
  - If a doctor approved by LHV deems it possible to bring a sick or injured insured person to his/ her home country, but the sick or injured insured person refuses to do so, LHV shall not reimburse any further expenses.
  - If a doctor, approved by LHV, does not consider return of the ill or injured insured person to the home country medically justified, LHV shall not reimburse the costs of returning the ill or injured insured person to the home country.
21. High-risk activities
  LHV shall not reimburse the cost of medical assistance if the loss or damage has been caused in the course of any of the following high-risk activities:
  - any competitive sport, including preparation for competitions and participation in training camps;
  - snowboarding, alpine skiing, and slalom outside the marked trails of winter sports centres;
  - diving deeper than 20 metres, sailing offshore, water motorsports (jet skiing, towing any equipment with a vessel), rafting, water skiing, and windsurfing, surfing, and kitesurfing;
  - car or motor sports, incl. driving ATVs and participating in training for driving with motor vehicles, vehicle testing, rally, kart racing, driving snowmobiles, and participation in motorbike sports;
  - air sports, including hang gliding, paragliding, gliding, and ballooning;
  - sports that require special equipment, including alpinism and ice, rock, wall and mountain climbing;
  - expeditions and trips to heights exceeding 4,500 metres above sea level;
  - independently organised trips, expeditions to rain forests, deserts, tundra, Arctic regions, virgin forests, etc.;
  - extreme sports, including down-hill cycling, bicycle tricks, BMX riding, skateboard tricks, free-riding, heli-skiing, etc.;
  - parachute and bungee jumps;
  - tobogganing, ski jumping, and speed skiing;
  - martial arts or sports related to self-defence, such as karate, judo, boxing, kickboxing and Thai boxing, and wrestling;
  - all other comparable sports and extreme sports that comprise a higher than usual risk of getting lost, ill, dying or receiving bodily injuries.
22. Paid physical labour
  LHV shall not reimburse the cost of medical assistance if the injury is sustained while working in the following employment or occupation:
  - professional athlete, stuntman/woman;
  - mining or rig worker;
  - fisherman, ship worker or diver;
  - member of a plane crew;
  - policeman, security guard, rescuer or mine clearing expert;
  - conscript in military service or border guard service;
  - participant in any military activities, drills or exercises and military missions, including an observer or person engaged in other works;
  - any work, job or activity, during the performance of which the insured person carries or uses a weapon or handles explosives.
23. Other exclusions
  LHV shall not compensate the following costs:
  - that are avoidable;
  - procedures and services not prescribed by a doctor;
  - rehabilitation;
  - non-medical treatments or alternative medicine;
  - treatment provided by an unlicensed person;
  - getting or removing a tattoo and complications thereof;
  - the diagnosis and treatment of psychiatric and behavioural disorders, including depression;
  - the diagnosis and treatment of sexually transmitted diseases, HIV and AIDS;
  - vaccination, except for vaccination for the treatment of an insured event of medical insurance.
Baggage cover
Insured baggage is the personal belongings of the insured person when travelling.
1. An insured event of baggage cover is represented by the following events that occur during the period of validity of the insurance with the insured baggage in the insured area.
  - Damage, destruction, theft, or robbery of baggage as a result of an unexpected and unforeseen event
    In the case of damage, destruction, theft, or robbery of baggage, the sum insured is EUR 1,200.
  - Loss of baggage due to the fault of the transport company
    In the case of loss of baggage, the sum insured is EUR 1,200. Baggage is considered lost if it does not reach the insured person or if the transport company fails to provide information on its location and the time of its delivery to the insured person within 21 days of the originally scheduled arrival time.
  - Baggage delay of more than four (4) hours due to the fault of the transport company
    If the baggage is delayed for more than four (4) hours due to a transport company abroad, LHV will reimburse the costs for the purchase or rental of basic goods and essential items that would have been in the delayed baggage in an extent of up to EUR 500.
  - Identity document, visa, or vaccination certificate lost or destroyed with baggage
    LHV will compensate in an extent of up to EUR 200 for obtaining a replacement document for an identity document, visa, or vaccination certificate lost or destroyed due to an insured event covered by baggage cover.
2. The following are not insured as baggage:
  - tickets, money, securities, bankcards;
  - delicate items, e.g. glass, clay or porcelain items;
  - glasses, sunglasses, contact lenses;
  - tools and work equipment;
  - a sailboard and its sail;
  - items leased, rented, or borrowed during the trip;
  - food, beverages and tobacco products;
  - goods and samples offered for sale;
  - manuscripts, drawings, photos, advertising and training material, and other such documents;
  - software and databases;
  - motor vehicles, trailers, watercraft, aircraft, and their spare parts and accessories;
  - plants, including seeds, bulbs, rhizomes;
  - animals, birds, insects, amphibians, reptiles;
  - items, the possession of or import of which into the home country is illegal.
  General principles for the compensation of damage to baggage
3. In the case of damage to the property, LHV will reimburse the repair costs. If the property is destroyed or damaged in such a way that it cannot be repaired, or the baggage has been stolen, robbed or lost due to the fault of a transport company, LHV will reimburse the costs of repurchasing an equivalent item.
4. If it is not possible to determine the repurchasing cost of the item, the indemnity shall be determined based on the purchase price of the item. Depreciation in value of the item over time at a rate of 10%–30% of the purchase price per year shall be deducted from the purchase price.
5. For baggage damage, a deductible of EUR 50 per insured event applies, except for computer, photographic and electronic equipment and their accessories, for which the deductible is EUR 200.
6. If LHV has reimbursed the baggage and the baggage is found, the insured person must notify LHV thereof as soon as possible.
7. LHV shall not arrange for the repair of the item, the acquisition of a replacement item, or the transfer of the item to the insured person.
  What to do in the event of damage to baggage
8. In the case of damage to baggage, the insured person must first contact the transport company, hotel, etc. responsible for the loss and file a claim for damages.
9. Upon baggage delay, a certificate must be presented on the delayed baggage along with invoices for purchasing or renting essential items.
10. If the baggage damage was caused due to the fault of the transport company or accommodation establishment or another provider of a storage service, LHV must be presented a certificate from this enterprise regarding the reasons for baggage loss.
11. Theft or robbery of baggage must be immediately reported to the police. A police certificate regarding the circumstances of the event must be presented to LHV.
12. LHV has the right to demand the submission of additional evidence, such as invoices for the repair of items, photographs, additional explanations, etc.
  Safety requirements for the storage of baggage
13. Baggage must be stored under supervision or in a locked room.
14. Items left in a vehicle must be placed in such a way that they do not attract attention. When leaving the vehicle, all windows and the sunroof must be closed, doors locked, and security devices activated.
15. When unsupervised, a bicycle must be locked to a strong base.
16. The following are items which must be carried in cabin baggage and which must not be placed in the hold of an aircraft, ship, bus, or train or left unattended in a vehicle, but must be under the uninterrupted and immediate supervision of the insured person or in a safe or guarded storage room:
  - personal identity document, visa and vaccination certificate;
  - electronic equipment, including camera, phone, smart device, laptop and tablet;
  - firearms (firearms may be transported in accordance with the carrier’s regulations);
  - Musical instruments may not be transported as hand baggage pursuant to the rules of the carrier;
  - valuables, watches, works of art and antique items;
  - collections;
17. The insured person must comply with all legislation, instructions, guidelines, precepts, etc., of the transport company, which contain guidelines for ensuring safety, preventing and minimising possible damage.
  Exclusions from baggage cover
18. LHV shall not compensate damage incurred:
  - due to failure to comply with the safety requirements set out in clauses 3.13 to 3.17;
  - due to the theft of items left in an open or sheeted box, unlocked roof box, motorcycle baggage box or bag;
  - when items came into contact with liquids contained in the baggage;
  - because of the baggage being left unattended, lost or forgotten.
    Example. LHV shall not compensate damage caused by the theft of baggage after it has been left behind;
  - baggage that did not reach the home country in time;
  - in the case of breakage of an item made of glass, porcelain, ceramics or similar fragile materials, including the subsequent damage caused to other items.
Accident insurance
An insured event of accident insurance is an accident which occurred with the insured person when travelling abroad within the area covered by the insurance, as a result of which:
- the insured person dies within three (3) years of the occurrence of an accident;
- the insured person develops a permanent disability within three (3) years of the occurrence of an accident.
1. The sum insured for accident insurance is:
  - in the case of permanent disability up to EUR 50,000;
  - In the case of death (person over 16 years of age) up to EUR 50,000;
  - in the case of death (person less 16 years of age) EUR 2,000.
2. Death benefit
  The amount of the death benefit is the sum insured of accident insurance. Death benefit is paid to the insured person’s beneficiaries. If the insured person dies later than within three (3) years after the occurrence of the insured event of accident insurance, no death benefit will be paid. The death benefit is reduced by the amount of the permanent disability indemnity previously paid for the same insured event.
3. Permanent disability indemnity
  LHV pays a permanent disability indemnity to the insured person if his or her health condition has permanently deteriorated due to the insured event. The existence and degree of permanent disability is established on the basis of medical documentation. The permanent disability indemnity is paid as a percentage of the sum insured for the accident, based on the condition of the insured person one (1) year after the occurrence of the insured event.
  - Permanent disability indemnity is 25% of the sum insured of the insured event, if one (1) year after the insured event the insured person usually does not need outside assistance, but his/her general ability has decreased: he/she has impaired memory, speech and communication difficulties, loss of movement accuracy, imbalance, rapid fatigue and other conditions aggravating or obstructing everyday activities.
  - Permanent disability indemnity is 50% of the sum insured of the insured event if, one (1) year after the insured event, the insured person is only able to perform light and short-term activities, his/her ability is significantly reduced and he/she is dependent on the assistance of another person for some daily activities (such as eating, washing, dressing, movement inside or outside the home, etc.).
  - Permanent disability indemnity is 100% of the sum insured of the insured event if, one (1) year after the insured event, the insured person unavoidably needs the assistance of another person in performing all daily activities (such as eating, dressing, moving around, washing, etc.).
4. The existence and degree of permanent disability caused by the insured event within the meaning of the conditions shall be determined no later than within one (1) year as of the occurrence of the insured event, based on the health condition of the insured person at that time.
5. Permanent disability is determined by comparing the insured person’s state of health with that of a healthy person of the same age, taking into account only the severity and nature of the disability and not the insured person’s individual characteristics, such as lifestyle, occupation or hobbies. Loss of capacity for work and loss of income are not accounted for when establishing permanent disability. The grade of a permanent disability established by expert medical assessment is not binding for LHV in establishing the permanent disability.
  Acting upon an insured event of accident insurance
6. In the event of an insured event of accident insurance, the operating instructions set out in clauses 2.10–2.13 of the Terms and Conditions for the medical assistance insured event shall be followed
  Exclusions for accident insurance
7. LHV shall not compensate damage if the death or permanent disability was caused or aggravated by:
  - the insured person’s illness (the insured event is not death or development of a permanent disability due to illness);
  - any medical procedure, including surgery (the exemption shall not apply if the cause of the medical procedure is the accident that occurred abroad during the validity of the conditions);
  - tick or bug bite or sting;
  - miscarriage or childbirth, complications due to miscarriage or childbirth;
  - an accident which occurred while the insured person was in a detention centre as an inmate, prisoner or detainee;
  - high-risk activities excluded by medical assistance insurance.
8. LHV shall not pay permanent disability indemnity:
  - in the case of damage to the insured person’s teeth or prosthetics;
  - if the permanent disability appears later than within one (1) year after the insured event;
  - if the insured person dies as a result of the insured event within one (1) year from the date of the insured event. In such case LHV pays a death benefit.
Liability cover
Liability insurance covers damage to property or personal injury, which the insured person has unlawfully caused to a third party abroad during the term of the insurance and which the insured person must compensate because he/ she is guilty of causing the damage or is responsible for causing it under legislation. LHV pays indemnity in the event of a loss for which a written claim for indemnification has been submitted to the insured person. The sum insured for liability insurance is EUR 100,000 per insured event.
1. Third party claims that have occurred abroad and are related to damage to sports equipment, premises, apartments, or buildings belonging to the injured party in the possession or use of the insured person are insured up to EUR 2,000.
2. LHV reimburses any direct proprietary damages caused to the third party as a result of the insured event and legal costs of the insured person arising from the insured event, that are directly necessary for resolving the proprietary damage claim presented to the insured person.
  Activities in the case of an insured event covered by liability insurance
3. If an insured person is presented with a claim for compensation or if circumstances arise that may be the basis for a claim, such as causing damages, he or she must immediately contact LHV and act in accordance with LHV’s instructions.
4. Legal assistance expenses must be agreed upon with LHV in advance.
5. If LHV is of the opinion that it is expedient to settle the dispute by means of an agreement, the insured person must respond to LHV’s proposal within five days, unless LHV has set a longer deadline.
  Third party liability insurance exemptions
6. Intentional activity and/or intoxication
  LHV shall not compensate claims arising from acts committed by the insured person intentionally and/or while intoxicated or under the influence of psychotropic substances.
7. Compulsory liability insurance (such as motor third party liability insurance)
  LHV shall not pay compensation for damage covered by compulsory liability insurance.
8. Items in the possession or use of the insured person
  LHV shall not reimburse damages for the destruction, damaging or loss of an item in the possession or use of the insured person, such as a rental car (excluding cases mentioned in clause 8).
9. Loss of profit
  LHV shall not reimburse lost profit, including income from employment, except for the decrease or loss of earnings of the injured party in the case of causing damage to the health or death of the injured party.
10. Persons to whom damages are not reimbursed
  LHV shall not compensate damage suffered by the insured person himself/herself, a travelling companion or a family member.
11. Sanctions
  LHV shall not reimburse any fines or other punishments imposed on the insured person.
12. Infectious diseases and sexually transmitted diseases
  LHV shall not compensate damage caused by the spreading of an infectious disease and/or sexually transmitted disease.
13. Epizootic pathogens and pests
  LHV shall not compensate damage caused by epizootic pathogens or hazardous pests.
14. Activities not covered by insurance
  LHV shall not compensate damage related to the insured person’s:
  - economic or professional activities;
  - fulfilling professional or service assignments; acting as a member of the governing body of a legal person;
  - providing a service for a fee;
  - sports competitions or professional sports;
  - the possession or use of any vehicle;
  - ownership or possession of the building;
  - use of a gun.
15. Activities in the case of an insured event covered by liability insurance
  LHV shall not compensate damage if the insured person fails to respond to LHV’s proposal by the deadline or fails to conclude an agreement. LHV also shall not indemnify expert assessment, legal assistance and court costs or any increase in damage that occurs after the expiry of the term for responding to LHV's proposal or concluding an agreement.
Legal costs
The indemnity limit for an insured event involving legal cost insurance is up to EUR 10,000. An insured event is an unlawful act committed unintentionally by the insured person outside the home country during the trip, due to which:
- a competent authority commenced criminal or misdemeanour proceedings or provided the insured person with a bail order in accordance with the law; or
- a third party filed a claim under private law against the insured person pursuant to law.
1. In the event of an insured event covered by legal costs insurance, LHV shall compensate the bail up to EUR 5,000 in accordance with the decision of a court or other competent authority and reasonable and/or necessary legal costs, considering the circumstances of the case, the complexity of the legal dispute, the amount of the claim and the usual price of such services in the country.
2. In the event of a bail refund, the insured person is obliged to repay it to LHV within 10 days of the bail refund. The insured person shall immediately notify LHV of the return of the bail.
3. When the need for legal assistance arises, it must be reported to LHV immediately, proceeding according to LHV’s instructions.
  Calls made to LHV from a foreign country
4. LHV reimburses any phone calls made to LHV and LHV’s claim handling partners, transport companies, travel agencies, accommodation providers and other travel service providers in relation to the insured event.
5. The sum insured of phone calls is EUR 200 for all calls made during a single trip.
Rental car deductible insurance
An insured event is the theft, robbery, destruction of or damage of a rental car rented in a foreign state, the rental contract of which specifies the insured person as its driver, due to which the insured person must compensate the lessor for loss caused by damage to the rental car to the extent of the insurance deductible under the insurance contract.
Rental car deductible insurance applies to the following types of rental cars:
1. a vehicle of category M1 or similar (passenger car with up to eight seats in addition to the driver’s seat and a maximum mass not exceeding 3.5 tonnes);
2. a vehicle of category N1 or similar (van with a maximum mass not exceeding 3.5 t);
3. a vehicle of category O1 and O2 or similar (trailer with a maximum mass not exceeding 3.5 t).
The insurance is valid if the rental car is covered by comprehensive insurance. The minimum required cover is the accident insurance cover, which is usually stated in the rental contract in English as Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or Physical Damage Waiver (PDW). The sum insured for the rental car deductible insurance is the sum actually claimed up to the insurance deductible provided for in the rental car insurance contract, but not more than EUR2,000 .
Example. If the insured person’s liability to the car rental company is EUR 3,500 as a result of an insured event, LHV will pay EUR 2,000. The remaining EUR 1,500 is the responsibility of the policyholder, unless he/she has taken out an additional insurance contract with the lessor.
Acting upon receipt and delivery of a rental car and in the case of an insured event with a rental car
1. In order to detect any damage, the insured person must inspect the rental car upon its delivery and receipt and document any visible defects and damage with the grantor or lessor of the vehicle. He/she must also document the insured event together with the lessor of the car.
2. In order to receive the indemnity, the insured person must present LHV the lease or rental contract for the vehicle along with the insurance contract and claim for damage.
  Safety requirements
3. When leaving their rental car, the driver must close all its windows and the sunroof, lock all doors, remove all keys, remote control devices and documents, and activate anti-theft equipment.
4. Keys, remote controls, and documents must be stored in a place and in such a way that they cannot be easily removed by a third person. This requirement shall not apply if the rental car was stolen from the repair shop to which LHV directed it for repair.
5. After damage to the rental car, it can be used if it has been inspected and verified that it is in the technical condition required for use, for instance, no oil or fuel leaks, the tyres are intact and the steering wheel and brakes are working.
6. Only a person who has a respective valid driving licence and driving authorisation in the country where the car is used is allowed to drive a rental car.
7. The rental car must be in the technical condition required by law, such as having tyres appropriate for the season and the permissible degree of wear and tear, and with brakes and lights in order.
8. The rental car must be used for the purpose and to the extent permitted by the manufacturer.
  Exclusions from rental car deductible insurance
9. Other damages reimbursable under the contract
  LHV shall not compensate damage that is reimbursable on the basis of mandatory motor third party liability insurance or other insurance.
10. Use of the rental car by a person who has not been named as a driver in the rental contract
  LHV shall not compensate damage when the rental car was used in violation of the terms and conditions of the rental contract, including when it was driven by a person not permitted to do so under the rental contract.
11. Participation in competitions and races
  LHV shall not compensate damage caused by the use of a rental car in a competition or a race or in the practice thereof, regardless of whether or not it was lawfully arranged.
12. Related persons
  LHV shall not compensate damage if the following person committed an intentional act of damaging the rental car, theft, robbery or attempts of those acts:
  - the insured person and/or his/her travel companion;
  - the legal possessor of the rental car, his or her representative, employee, or person under his or her guardianship;
  - the parent, child, grandchild, spouse, life partner, daughter-in-law, or son-in-law of the insured person or the legal possessor of the rental car;
  - person who lives with the insured person or the legal possessor of the rental car in a common household.
13. Intoxication
  In determining the state of intoxication, LHV proceeds from the limits permitted by the laws of the country where the insured event occurred.
  - LHV shall not compensate damage if the driver of the rental car was intoxicated at the time of the traffic accident.
  - LHV shall not compensate damage if the driver of the rental car consumed an intoxicating substance after the traffic accident, but before the state of intoxication was verified by the police or a medical facility, or declined establishing the state of intoxication.
14. Leaving the scene of the incident
  LHV shall not compensate damage if the driver of the rental car left the scene of an accident in breach of the law.
15. Use of a rental car off-road
  - LHV shall not compensate damage which occurred in a territory closed to traffic (for example, an airfield, a mine, a road construction area, etc.).
  - LHV shall not compensate damage caused on a body of water outside an officially open ice road.
  - LHV shall not compensate damage that occurred in an area not intended for traffic, if the damage is related to the characteristics of the area.
    Example. Damage caused by driving a rental car in a bog due to sinking into a slough or hitting a stump while off-road driving is not covered.
16. Driving a rental car in deep water
  LHV shall not compensate damage caused by water entering the rental car, its engine, or equipment because it was driven in deep water, e.g. in the event of a road flood.
17. Illegal or incorrect fuel
  LHV shall not compensate damage to the rental car engine caused by the use of illegal or incorrect fuel.
18. Normal wear and tear, amortisation, and rusting
  LHV shall not compensate damage caused by normal wear and tear, amortisation, or rusting of the rental car.
General exemptions
General exemptions are applied to all insured events.
- LHV shall not compensate damage in the absence of an insured event.
- LHV shall not compensate damage if the event that caused the damage was foreseeable.
- LHV shall not compensate any damages or costs that are not in compliance with the characteristics of compensated damages or costs.
- LHV shall not compensate any costs that the insured person would have made regardless of the insured event.
1. Foreseeable event
  LHV shall not compensate damage when damages were caused by circumstances that were known or foreseeable to the insured person before the beginning of the trip.
2. Moral damage
  LHV shall not reimburse moral, i.e. non-material damages.
3. Incident in the home country
  LHV shall not compensate damage if the event that caused it took place in the home country. This exemption is not applied to travel interruption insurance in cases specified in the Terms and Conditions of insurance.
4. Activities of the insured person
  LHV shall not compensate damage, if:
  - the insured person caused the insured event either intentionally or due to gross negligence;
  - the insured person caused the insured event when driving a vehicle they were not legally allowed to drive;
  - the damages were caused or partially caused by an act committed by the insured person that has traits of an intentionally committed criminal offence;
  - the policyholder or the insured person presented inaccurate information to LHV.
5. Intoxication
  LHV shall not compensate damage if the insured event or damage was caused or contributed to by the insured person's intoxication (including alcohol or narcotic substances) or the residual effects thereof.
6. Searching for the insured person
  LHV shall not cover the costs of searching for the insured person.
7. Damage compensable to another person
  - LHV shall not compensate damages paid under the national or foreign motor third party liability insurance.
  - LHV shall not compensate damage if the health insurance fund, another insurance provider, transport company, travel service provider or another person has already compensated the costs or made a decision on compensating the costs.
8. Strike and disruption of work (lockout)
  LHV shall not compensate damage if it was caused by a strike or disruption of work (lockout), of which the insured person or the general public was aware before the start of the trip.
9. Bankruptcy and insolvency
  LHV shall not compensate damage if it was caused by the bankruptcy or insolvency of a service provider involved in the trip.
10. Natural disaster
  LHV shall not compensate damage if it was caused by an earthquake, landslide, avalanche, flood, forest fire, hurricane, tornado, volcano eruption or tsunami, except for the travel interruption indemnity when the trip was interrupted due to an evacuation. This exemption also applies to medical assistance insurance if the insured event occurred within 14 days as of the beginning of the natural disaster and the insured person had already started their trip before the occurrence of the natural disaster.
11. Pandemic, epidemic, and infection control measures
  LHV shall not compensate damage if it was caused by a pandemic, epidemic, or an infection control measure implemented by the state, except for the travel interruption compensation when the trip was interrupted due to an evacuation. The exemption does not apply to medical assistance insurance if the insured event occurred within 14 days after the outbreak of the pandemic or epidemic, or the implementation of infection control measures and the insured person was already travelling before the aforementioned event.
12. War, armed conflict, insurgence, mass unrest
  LHV shall not compensate damage if it was caused by war or armed conflict, insurgence, revolution or mass unrest, except for travel disruption compensation due to an evacuation interrupting the trip. If the insured person does not participate in said activities and arrived in the respective area before the start of the dangerous situation, their medical assistance insurance is still valid for 14 days from the start of the dangerous situation. In the case of war between the permanent members of the United Nations Security Council, the war exemption is applied immediately at the start of the war and the 14-day insurance cover does not apply.
13. Terrorism
  LHV shall not compensate damage caused by terrorism, except for the evacuation of an interrupted trip and unavoidable medical expenses due to the direct consequences of an act of terrorism.
14. Other exclusions
  LHV shall not compensate damage if it was caused by:
  - a nuclear weapon, nuclear energy, or radioactivity;
  - the activities of the police, border guards, customs officers, or other public officials;
  - seizure, detention, confiscation, or expropriation of property.
Activity in case of a loss event
In the case of a loss event, the insured person must:
1. take measures to prevent or reduce further damage;
2. report a crime (including theft, robbery, vandalism or any other unlawful act by a third party) immediately to the local police, a fire to the local emergency services, and the appropriate competent authority or person in any other case;
3. report the theft or robbery immediately to the local police. The police must be notified of any damage caused. At the request of LHV, a written notice issued by the police or another notified body which certifies the registration of the event and the fixation of the damage caused must be submitted;
4. notify LHV of the loss event as soon as possible after the occurrence of the loss event or becoming aware of it;
5. in the event of a loss event, provide LHV with accurate and complete information about the circumstances of the claim, the amount of the claim and the persons who may be liable;
6. follow the code of conduct provided by LHV;
7. if necessary, provide LHV with access to the damaged item;
8. enable LHV to investigate the circumstances of the loss event in order to identify the amount of the loss and the persons responsible for the loss and, if necessary, to involve experts to determine the circumstances of the loss event;
9. consider that to establish the circumstances of the loss event, LHV may demand from the insured person, inter alia:
  1. provide LHV with documents (including original documents) proving the loss event or the costs incurred as a result of it;
  2. submit a certificate issued by the police in the case of an offence against persons or property;
  3. provide explanations about the loss event.
General principles for indemnification
In the event of an insured event, LHV will compensate direct and justified expenses for the restoration or replacement of the insured items and other expenses provided in the Terms and Conditions. LHV’s general principles for indemnification are the following.
1. LHV will make a decision on the compensation of direct damage within 10 working days of receiving all the necessary information on the loss event and the amount of damage. If, for reasons beyond LHV’s control, it is not possible for LHV to determine the full amount of the damage, LHV will first indemnify the part of the damage to the extent that is clear. LHV may extend the deadline for making a decision on indemnification for damage for good reason.
2. LHV has the right to request documents and information related to the loss event from third persons.
3. The insured person or the company providing the service to him/ her, such as a travel agency or a medical institution, is entitled to an insurance benefit.
4. LHV determines the method for the compensation of damage, which may be the repair of a damaged item, replacement with an equivalent item, or financial compensation, and LHV may also choose a repair company or a place from which an equivalent item is procured upon replacement. The corresponding solution can be arranged and ordered by LHV.
5. LHV has no obligation to compensate the value of the remaining part of the insured object. If LHV reimburses the costs of replacing the insured object, LHV has the right to the ownership of the replaced object.
6. If the Insured Person wishes to keep the destroyed object in his or her own possession, the insurance benefit shall be reduced by the value of the property after the insured event.
7. Other costs specified in the Terms and Conditions shall be reimbursed by LHV on the basis of a document certifying the amount of such costs to a reasonable and justified extent.
Obligations of the insured person
The insured person is obliged to:
1. do everything in his/her power to prevent the insured event and reduce possible damage, to avoid the possible increase of the insurance risk and not to allow the persons who use the insured property to increase the insurance risk;
2. after LHV has paid him/her the insurance benefit for the stolen or robbed item, in the event of the return of this item, to return to LHV the insurance benefit paid for this item or to surrender the returned object to LHV ;
3. return the insurance benefit paid to him/ her to LHV if, after indemnification of the damage, circumstances precluding indemnification by LHV become apparent or if the damage is compensated by a third party.
Obligations of LHV
LHV shall be required to:
1. start handling the insured event immediately after receiving the notice of loss, and determine the amount of indemnifiable loss;
2. after receiving the notice of loss, inform the insured person of which documents he/she must submit to LHV in order to determine the cause and amount of the loss;
3. compensate the damage caused due to the insured event or pay the agreed amount of money or the insurance benefit in whole or in parts, or fulfil the conditions in another agreed manner. LHV shall pay the insurance benefit within a reasonable time after the completion of the claims handling operations and the indemnification decision. If LHV delays the performance of a financial obligation, it is required to pay default interest at the rate provided in the Law of Obligations Act;
4. reimburse, where an obligation to compensate for loss or damage arises, inter alia, the costs incurred by the insured person in determining the loss or damage and its amount. LHV does not have to compensate the insured person for the costs of hiring an expert or adviser if the insured person was not obliged to hire an expert or adviser according to the conditions.
Refusal to compensate or reduction of compensation
LHV has the right to refuse to indemnify or reduce the insurance benefit, if:
1. the insured person has intentionally submitted false or misleading information to LHV or failed to submit important information concerning the material circumstances of the loss event;
2. it is an event, as a result of which the damage caused is not compensated on the basis of the conditions;
3. the damage has occurred to objects that are not insured under the conditions;
4. the insured person has not complied with a safety requirement or obligation set out in the conditions and there is a causal link with the occurrence of the damage.
LHV has the right to refuse to pay the insurance benefit if the payee is subject to a respective international financial sanction imposed by the Government of the Republic, the United Nations, the European Union, the United Kingdom or the United States of America.
Expiration of the insurance cover
The insurance cover expires upon expiry of the card (except when the card is closed or blocked due to its loss, theft, or robbery) or upon the expiry of the insurance contract concluded between LHV and the policyholder.
Upon expiry of the card, the insurance cover continues if the insured person orders a new card from LHV that provides insurance cover under the same conditions. If the card expires during a trip, the insurance cover is valid until the end of the 90th day of the trip.
The policyholder notifies the insured person of the termination of the insurance contract entered into with LHV 60 days before the termination of the insurance contract.
Multiple insurance
If the insured person insures the same insurance risk with several insurers and the total amount of insurance benefits paid by the insurers exceeds the amount of the loss or the sum insured exceeds the insurable value, the insurers are jointly and severally liable (multiple insurance).
Communication of notices
All notices necessary to comply with the conditions shall be provided in a form that can be reproduced in writing.
Processing of personal data
LHV has the right to process personal data related to the conditions on the basis of LHV’s customer data processing principles and to disclose information related to the conditions to a third party whose right to receive information arises from LHV’s customer data processing principles.
LHV has the right to preserve the recordings received by means of communication or other means in connection with the fulfilment of the conditions and, if necessary, use them to prove the declarations of intent submitted by the insured person.
Law applicable to the Terms and Conditions and limitation of claims arising from the Terms and Conditions
The law of the Republic of Estonia applies to the Terms and Conditions.
The limitation period for claims arising from the conditions is three (3) years. The limitation period shall run from the end of the calendar year in which the claim becomes due.
Inconsistencies in the documents of Terms and Conditions
If the Terms and Conditions have been translated into a foreign language, the interpretation of the Terms and Conditions will always be guided by the Estonian language Terms and Conditions in case of dispute.
Supervision and settlement of complaints
If the policyholder does not agree with the decision of LHV or requests additional explanations, he/she has the opportunity to contact LHV by email at kindlustus@lhv.ee, by phone at 699 9111 and by post at Tartu mnt 2, 10145, Tallinn.
The extrajudicial bodies for resolving disputes are the conciliation body of the Association of Estonian Insurance Companies, Mustamäe tee 46, 10621 Tallinn (phone 667 1800, e-mail lepitus@eksl.ee), and the Consumer Protection and Technical Surveillance Authority, Endla 10a, 10122 Tallinn (phone 667 2000, email info@ttja.ee).
LHV’s activities as an insurer are supervised by the Financial Supervision Authority (Finantsinspektsioon), Sakala 4, 15030 Tallinn (phone 668 0500, e-mail info@fi.ee, website www.fi.ee), which does not settle contractual disputes between LHV and the insured person.
If no agreement is reached, the parties have the right to apply to the county court.

Conditions of LHV Gold Card Travel Insurance

Contact details of the insurer

Table of sums insured

Definitions

Travel interruption insurance

Medical assistance insurance

Baggage cover

Accident insurance

Liability cover

Legal costs

Rental car deductible insurance

General exemptions

Activity in case of a loss event

General principles for indemnification

Obligations of the insured person

Obligations of LHV

Refusal to compensate or reduction of compensation

Expiration of the insurance cover

Multiple insurance

Communication of notices

Processing of personal data

Law applicable to the Terms and Conditions and limitation of claims arising from the Terms and Conditions

Inconsistencies in the documents of Terms and Conditions

Supervision and settlement of complaints