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Take out insurance independently on our website. This way you always get the best price and save your time as well. Personalised discounts apply once you have logged into the Internet Bank.

If you want to insure a vehicle without registration obligation, ask us for an offer

For applying an insurance offer, please write us kindlustus@lhv.ee.

A valid taxi license has been issued for this vehicle, in the previous step we changed the useage type to a Taxi.

Please contact LHV for an insurance offer, kindlustus@lhv.ee.

Motor TPL Insurance

Casco Insurance

The entered policyholder is a minor. To conclude the policy, the policyholder must be of legal age. If you would like us to contact you, please leave your email address or phone number.

The vehicle has a insurance coverage that is valid for more than three months. Leave us your email address or phone number to receive an offer and we will contact you before the end of the current insurance coverage.

Issuing insurance coverage for this vehicle requires additional approval from LHV. Please leave your email address or phone number and we will get in touch with you.

The entered policyholder is a minor. To conclude the policy, the policyholder must be of legal age. If you would like us to contact you, please leave your email address or phone number.

The vehicle is more than 17 years old. Please leave your email address or phone number and we will contact you.

This vehicle already has a valid comprehensive insurance policy with LHV. If you have any questions or wish to make changes to the policy, please leave your email address or phone number and we will contact you.

Issuing insurance coverage for this vehicle requires additional approval from LHV. Please leave your email address or phone number and we will get in touch with you.

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For applying an insurance offer, please write us <kindlustus@lhv.ee>.

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General data

License plate

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Vehicle purpose of use

I am owner/user

Yes

Type of insurance cover

Motor Third Party liability

Casco insurance

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Contact details

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We process your personal data for the purpose of processing your insurance application and preparing an insurance offer. For more information about the processing of personal data, please see the LHV Principles of Processing Customer Data.

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Insurance offer

Total insurance premium

0 €

The prices shown include the partnership programme discount.

The prices listed include a 20% discount from the campaign.

Motor TPL Insurance

Included in the price of the offer:

Beginning of insurance cover:

Payment frequency:

Casco Insurance

Insurance package: Standard

Main deductible:

Windshield deductible:

Wild animal deductible:

Theft deductible:

Included in the price of the offer:

For an extra fee:

Payment frequency:

Beginning of insurance cover:

MOTOR THIRD PARTY LIABILITY

Motor TPL
0 €… per month

Liability arising from the damage caused by an insured object in accordance with the Motor Third Party Liability Act.

Assistance

Roadside assistance provides in case of an insured event a free towing from the accident scene to the nearest garage and/or service location to all passenger vehicles and vans with a registered mass of up to 3,500 kg.

Green Card

Green card is valid in the contracting states of the European Economic Area, the Swiss Confederation and other countries indicated on the green card - Albania, Andorra, Bosnia and Herzegovina, Israel, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine and Great Britain. Important to know. Green Cards issued by Estonian insurers are not valid for Russia and Belarus from June 1, 2023.

Payment frequency

Beginning of insurance cover

The insurance coverage starts tomorrow. If necessary, you can change the date to an earlier one.

Kindlustuskaitse algus peab olema täidetud

0€… per month

PremiumePremium

per month

Standard

per month

MOTOR HULL INSURANCE

Standard
0 €… per month

PremiumePremium
0 €… per month

Main deductible

Sum (€)

Wild animal deductible

Deductible

Theft deductible

Deductible

Windshield deductible

Deductible

All risk cover

Insured event is unexpected and unforeseeable damage, disappearance or destruction of the vehicle, not including the exclusions listed in Terms and Conditions. Eg. traffic accident, went off road, reversing into a tree, collision with a wild animal, damage of the windshield, natural disaster, vandalism, theft, fire and so on.

Travel interruption cover

We will reimburse reasonable costs incurred as a result of a trip interruption caused by the insured event and necessary for continuing the trip, up to 1000 euros, outside Estonia, Latvia, and Lithuania.

Roadside assistance

Within the framework of Roadside assistance, as a result of an unexpected and unforeseen event, where the use of the vehicle or continue of driving is not possible, the immediate aid is provided to all passenger vehicles and vans with a registered mass of up to 3,500 kg. Roadside assistance is provided only if it has been requested from the LHV dedicated assistance contact number 680 1122.

New value cover

New-value cover compensates the initial first-hand sale price of the vehicle on the basis of the purchase document if the vehicle is a total loss.

Leasing value cover

Leasing value cover compensates the leasing acquisition of the maximum 5 years old vehicle value up to 50,000 euros in the case of the vehicle is a total loss.

Leasing payment cover

Leasing payment cover compensates the leasing payments up to six months but not to exceed 3,000 euros.

Acquisition value coverage

We will reimburse the vehicle’s purchase price according to the purchase documents in the event of the vehicle’s total loss or disappearance (including theft) within the first six months following the conclusion of the insurance agreement. This coverage applies if no more than 10 years have passed since the vehicle’s first registration, the purchase price is up to 50 000 euros, and no more than 30 days elapsed between the vehicle’s acquisition and the conclusion of the insurance agreement.

Replacement trailer

Replacement trailer cover compensates the damages caused to trailers with category O1 and O2 only in case it has been attached to the insured vehicle.

Replacement vehicle

Use of a Replacement vehicle is allowed for passenger vehicles and vans with a registered mass of up to 3,500 kg if the insured vehicle is not permitted to be used or it is objectively impossible to use in road traffic. Within one insurance period there is allowance to use replacement car up to two times and up to 30 days per each claim event.

Mechanical breakdown

Mechanical breakdown covers for vehicles up to 7 years old and mileage less than 150,000 km. the expenses on repair and replacement caused by unexpected and unforeseeable failure of the vehicle’s engine, transmission, brake and steering system and their control electronics and cooling systems.

Rental car coverage

Rental car insurance covers claims filed by the rental company against the policyholder that arise as a result of a traffic accident, mishap or vandalism to the policyholder’s rented vehicle. The compensation limit for rental car insurance is 20,000 euros per insurance period.

Repurchasing cost

In the event of total loss of the insured vehicle, the justified cost of repurchasing the vehicle shall be indemnified by adding to the indemnity 5%. Indemnity shall be paid out to policyholder. Repurchasing cost will not be compensated if the claim will be indemnified under the new value or purchase value cover.

Pet cover

Pet insurance covers the costs raising from the damage or death of up to two pets in the vehicle caused by the insured event.

Charging station

Under the charging station cover any unexpected and unforeseen event occurring to the charging station where it becomes damaged, lost or destroyed shall be compensated.

Baggage

Luggage insurance covers losses occurring through damage to or destruction of the personal belongings (luggage) of the vehicle possessor and passengers in the insured vehicle as a consequence of a traffic accident, accident and vandalism as defined in the Terms and Conditions.

Passenger accident insurance

Passenger accident insurance event is permanent incapacity for work or death of up to five passengers present in the vehicle that are caused directly by bodily injury sustained as a consequence of an insured event. Maximum payable amount that will be paid in case of insured event is defined on the policy.

Payment frequency

Beginning of insurance cover

The insurance coverage starts tomorrow. If necessary, you can change the date to an earlier one.

Kindlustuskaitse algus peab olema täidetud

0 €… per monthStandard

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Insurance premium

0 €

The insurance period is one year, and the insurance contract is concluded with automatic renewal.

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Details of the insured person

Private person

Legal person

First name

First name field must be filled.

Last name

Last name field must be filled.

Personal code

Personal identification code is invalid.

The policyholder must be at least 18 years of age.

Registry code

Registry code must be filled.

The registry code must be an 8-digit number.

Company name

Name of the company must be filled.

Phone

Phone number field must be filled.

Phone number is invalid.

E-mail

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E-mail address is invalid.

Address of current residence

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I have read the Insurance Product Information Document (IPID).

I confirm the correctness of the data submitted in the application and agree to the processing of my personal data by LHV Kindlustus in accordance with LHV’s Principles of Processing Customer Data.

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.

By paying, I confirm my wish to enter into an insurance contract and agree that LHV will issue me an insurance policy.

I have read the Motor Own Damage Insurance Terms and Conditions, the Insurance Product Information Document (IPID) and Instructions for taking a photo of the vehicle.

Before signing the insurance contract, you must inform LHV Insurance of any damage to the vehicle and, when signing the contract, confirm that the vehicle has no damage that is not known to us.

Images of the insured vehicle must be submitted to LHV in accordance with the photography instructions within three days via our self-service portal.

As a minimum requirement, the vehicle must be fitted with an appropriate immobiliser and, in certain cases as requested by us, an additional anti-theft device (alarm or tracking device).

By paying, I confirm my wish to enter into an insurance contract and agree that LHV will issue me an insurance policy.

I have read and understood the motor insurance information document, the comprehensive insurance terms and information document, and the vehicle photography guidelines.

I confirm that the information provided in the application is correct and I agree to the principles of processing client data by LHV Insurance.

A vehicle intended for regular use may not be used as a rental, taxi, ride-sharing, driving school, courier, or security vehicle, unless this is specifically stated in the contract.

I will notify LHV Insurance of any damage to the vehicle and submit photos within 3 working days in accordance with the provided instructions.

The vehicle must have a functioning immobiliser and, if required, an additional anti-theft device.
I will inform LHV of any changes affecting the insurance risk (e.g. change of ownership, change of use, reconstruction, or loss of keys).

If I have chosen to pay in instalments, I will make the payments on time. In the case of automatic renewal of the motor insurance, I will notify LHV of my wish to terminate the contract at least 2 days before the end of the current insurance period.

By proceeding to payment, I confirm my intention to conclude the insurance contract and agree that LHV will issue my insurance policies.

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