LHV motor third-party liability insurance
Every vehicle entered in the traffic register and participating in road traffic must have valid motor TPL liability insurance.
- Possibility to pay in instalments and select the payment frequency
- Free towing service even if you caused the road accident
- Fair, prompt and transparent claims handling
Cover
Motor Insurance is a compulsory liability insurance that, in the event of a traffic accident, covers the damage caused by you to other parties. Motor insurance must be taken out for every vehicle registered in the traffic register, any other vehicle with a design speed exceeding 25 km/h, or any vehicle with a design speed exceeding 14 km/h and an unladen weight of more than 25 kg, as well as for trailers of such vehicles. Motor insurance is regulated by the Motor Insurance Act.
Insurance coverage applies in the member states of the European Economic Area, the Swiss Confederation, and other countries listed on the Green Card – Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine, and the United Kingdom.
Important to know. Green Cards issued by insurers in Estonia are not valid in Russia and Belarus as of 1 June 2023.
If you would like protection for your own vehicle as well, please see LHV’s comprehensive insurance options.
Important information
The insured vehicle in normal use must not be used as a rental vehicle or a taxi; for car-sharing services; or as a training, emergency, courier or security patrol vehicle. If you want to provide such services with your vehicle, indicate the relevant use in the insurance contract.
Inform LHV Insurance of any potential increase in the insured risk at the earliest opportunity. An increase in the insured risk is, for example, sale of the vehicle to a new owner, a change in the use of the vehicle, conversion or tuning of the vehicle, or loss of the vehicle keys.
If you have chosen to pay the insurance policy in instalments, pay the instalments by the due dates specified in the policy. In case of non-payment, we have the right to withdraw from the contract or cancel it in accordance with the procedure provided for in the Law of Obligations Act. If the paid insurance premium (including an instalment) is less than the amount due as specified in the policy, the insurance premium shall be deemed not to have been paid.
If you have chosen an automatically extended insurance contract, you will have to notify us at least two days before the end of the current insurance period if you want to terminate the contract. If LHV is not notified, the contract will be automatically extended for the next period.
Documents and additional information
Frequently asked question
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Have you considered casco insurance?
- Very broad insurance cover without any confusing restrictions
- The possibility to assess your risk and premium and design the deductible yourself
- Fair, fast and transparent claims handling
Have you considered leasing?
- Purchase the vehicle you need – from a passenger car to heavy machinery
- Easy self-service in the mobile app and Internet bank
- Possibility to buy out or return the car later
Have you considered a car loan?
- For the purchase and repair of a car or other vehicle
- Loan amount from EUR 200 to EUR 25,000
- You are the owner of the vehicle
- Interest not linked to Euribor
Ask for advice
Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee
Report a claim
Call us at 680 1122 or email us at kahjud@lhv.ee
Roadside assistance
To call roadside assistance, call 680 1122 any time, 24 hours a day