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Loss adjustment

General information

Call (+372) 680 1122, email kahjud@lhv.ee or fill in the claim form on the LHV website.

Send the documents to the email address kahjud@lhv.ee or directly to your claims handler.

We will make a decision on indemnification in ten working days after having received all necessary information on the loss event and the amount of damage.

If, for reasons beyond our control, it is not possible for us to determine the full amount of the damage, we will first indemnify the part of the damage where the amount of damage is clear.

Expired insurance contracts can be viewed in the internet bank by choosing from the menu Insurance → My insurances.

Incidents at home or with household property

Call LHV damage assistance on (+372) 680 1122 for immediate help.

Someone from LHV home assistance will advise you over the phone and come to help you if there has been an accident at your home. We will help you prevent further damage and eliminate the initial problem.

  • Plumbing emergency
    We will help to stop the water leak and, if possible, temporarily repair the water pipe. We will help to dry excess water and carry out the initial clean-up. In this way we can prevent further damage and ensure that you maintain basic amenities (such as water supply and heating).
  • Frozen water pipes
    We will provide initial assistance with defrosting the pipes and restoring the water supply.
  • Broken doors or windows
    We will help to provide a temporary fix to secure the door or window to prevent further damage.
  • Clogged pipes
    We will help eliminate the blockage in the pipes.
  • Electrical failure
    We will help to eliminate hazards resulting from an electrical failure in order to prevent the risk of a fire. If possible, we will also help to restore the electricity supply.
  • Lost keys
    If you have lost the keys to your home or are unable to open (or securely close) the door for any other reason, we will help you to open, close or repair the lock.
  • If someone has been injured in the accident or you need help from the Rescue Services, call the Emergency Response Centre on 112.
  • If you are at the scene and need our help, contact our damage assistance on (+372) 680 1122 immediately. We will advise you on what to do and, if necessary, quickly come to the scene to help.
  • If you do not need immediate assistance, notify us of the loss event as soon as possible. To do this, submit a claim on the LHV insurance website, send an email to kahjud@lhv.ee or call 680 1122.
  • If possible, take photos of any damage. These make it possible to better establish the situation and help resolve the case more quickly.
  • Keep the damaged property until we have inspected it.

Free assistance is provided only if you call LHV damage assistance on (+372) 680 1122.

  • Notify the Emergency Response Centre immediately by calling 112.
  • Check whether there is anyone inside burning or smoke-filled rooms. Take everyone to a safe place.
  • Try to extinguish the fire as much as possible with household safety equipment (such as a fire blanket or fire extinguisher), but do not risk your own health or the health of others.
  • Wait for the rescue team to arrive.
  • Shut off the mains water supply or try to stop the water from running by other means.
  • Use household tools to dry up most of the water and stop the damage from spreading.
  • Report the case to the police by calling 112.
  • Do not leave your home or property unattended.
  • Identify the cause of the damage and try to limit its further spread or additional damage to third parties (neighbours).
  • Notify us of the event as soon as possible. To do this, submit a claim on the LHV insurance website,send an email to kahjud@lhv.ee or call (+372) 680 1122.
  • Coordinate your next steps with our claims handler.
  • Do not make promises or enter into agreements until you have consulted with your LHV claims handler.

Incidents while travelling

Call LHV travel assistance on (+372) 680 1122 for immediate help

If you have an accident while travelling or your trip does not go according to plan, then someone from LHV travel assistance will advise you over the phone on what to do. They will also help you to get medical treatment and, if necessary, find new airline tickets and hotel accommodation.

  • Medical assistance
    If necessary, we will help you find the necessary medical assistance abroad and arrange the payment of medical expenses.
  • Serious accidents
    We will help to arrange transport for you to return home.
  • Trip interruption
    We will help you exchange or buy new airline tickets and, if necessary, find a new hotel.
  • Luggage loss or delay
    We will advise you on what to do if your luggage is lost or delayed.
  • If your trip is interrupted due to a health issue, see a doctor immediately and take care of your health first. After submitting a claim, send the written doctor’s certificate to the claims handler by email.
  • Contact your travel service provider, airline or hotel as soon as possible to request a reimbursement for unused services.
  • If a transport delay causes you to miss your connecting flight, then contact the airline first to see if it is possible to rebook or to obtain a replacement ticket. If you need to buy a new ticket or to find additional accommodation or transport, call LHV travel assistance on (+372) 680 1122. Our travel assistance partner will help you find a new ticket and/or accommodation and, if necessary, arrange payment for them.
  • If necessary, call LHV travel assistance on (+372) 680 1122 to ask for advice on what to do.
  • If your luggage has been damaged or lost while in the possession of a transport company or airline, then you must first report the incident to the transport company or airline. Submit a claim for compensation to them.
  • If your luggage is delayed, you should also contact the transport company or airline and ask for written proof of the luggage delay. If you buy essential items due to luggage delays, keep the purchase receipts and send them to the relevant claims handler by email, after having submitted a claim.
  • If your luggage is stolen, contact the local police and ask for written proof of the case registration.
  • If necessary, call LHV travel assistance on (+372) 680 1122 to ask for advice on what to do.
  • If you become ill or get injured in an accident, see a doctor immediately and follow their instructions.
  • If you need mild treatment or medication, go to the nearest medical institution.
  • If you need hospital treatment, call LHV travel assistance on (+372) 680 1122 as soon as possible. We will help you find a suitable medical institution and arrange payment for the necessary treatment.
  • If you are injured as a result of a crime, report it to the local police immediately.
  • If you see a doctor without first contacting LHV travel assistance, then notify LHV insurance of the loss event as soon as possible by calling (+372) 680 1122.

If you cause an accident in which someone is injured and criminal or misdemeanour proceedings are brought against you, or a third party makes a claim against you that requires you to seek legal advice, then please notify us immediately by calling (+372) 680 1122.

  • If you have a traffic accident with your rental car, register it according to local requirements.
  • If there is a theft or robbery involving your rental car, call the local police number immediately and follow their instructions.
  • If you pay the car rental company the excess amount, keep the expense document given to you. Ask the rental company to provide proof of the existence or absence of valid comprehensive insurance for the rental car and the amount of excess.
  • After submitting the claim, send all the documents mentioned here to the claims handler by email.

Incident with a vehicle

Call LHV roadside assistance on (+372) 680 1122 for immediate help.

If you are travelling by car and can no longer continue to drive due to an unexpected accident or technical failure, LHV roadside assistance will come to your aid and help you to reach your planned destination. We will advise you over the phone on what to do. If necessary, we will help you to prepare a written traffic accident report at the scene of the accident.

  • Out of fuel unexpectedly?
    We will bring you extra fuel for free, so you can drive to the nearest gas station.
  • Flat battery?
    If your car does not start because the battery is flat, we will come and help get the car up and running.
  • Flat tyre?
    We will come and help you change your wheel or tyre.
  • Missing car keys?
    We will take you to fetch a spare key or tow your car to the nearest repair shop or storage facility.
  • Your car is stuck?
    If your car is stuck in snow or in soft ground or you have driven off the road, we will come and help you get the car running again.
  • What should I do if I can’t continue to drive due to an accident or technical failure?
    In this case, we will help tow your vehicle to the nearest repair shop or storage facility. If the accident or failure happened in Estonia, you can have the vehicle towed to your home.
  • Driver and passenger transport
    We will ensure the transport of the driver and passengers with their luggage to the planned destination within the Baltic states or back home. Outside the Baltic states, we will take them to the nearest place where they can continue their journey. If it is not possible to continue the trip on the same day, we will arrange temporary accommodation for the driver and passengers for up to three days. If you are outside Estonia and the vehicle is destroyed, we will ensure the transport of the driver and passengers as well their luggage back to Estonia, if necessary.
  • Stop immediately, no matter how small the accident seems to you. Turn on the hazard warning lights to warn other road users of any potential danger.
  • If you get out of the car to survey the situation, make sure to put on a reflective vest. This will help increase your safety.
  • If someone has been injured in the accident or there is a risk of fire or environmental pollution, call the Emergency Response Centre on 112.
  • Mark the scene with a warning triangle so that it is visible to other road users.
  • If there were witnesses to the incident, write down their contact details (name, phone number and email address) so that, if necessary, someone from LHV insurance can contact them later.
  • If the parties involved in the traffic accident have a dispute over who caused the accident, then report the incident to the police. Otherwise, register the accident with a written report. The most convenient way to do this is to use the traffic accident report form.
  • In the event of a collision with a wild animal, report the injured or dead animal to the Emergency Response Centre on 112 or the Environmental Inspectorate on 1313. You can also report an accident involving wildlife to the Road Information Centre on 1510 or to your local authority.
  • If you have an on-board camera in your vehicle, make sure to preserve the video of the incident and what preceded it.
  • Take photos of the scene and any damage. These make it possible to better establish the situation and help resolve the case more quickly.
  • If you are in doubt about what to do, call LHV roadside assistance on (+372) 680 1122 for advice. If necessary, we will come to your aid to help you register the incident and/or to tow the vehicle.
  • After submitting a claim, forward all the documents related to the accident to your LHV claims handler by email.