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Up to 15% off the regular price when purchasing online

Comprehensive motor insurance

Comprehensive motor insurance helps avoid major financial loss upon accidents and ensures the smooth continuing of everyday life.

The target market of comprehensive vehicle insurance comprises the owners and authorised users of passenger cars, light trucks, lorries, trailers, buses and motorcycles that are entered in the Estonian Traffic Register.

Everybody’s needs are different in terms of their insurance cover. Vehicles have become an inseparable part of our daily lives. Therefore, we recommend acquiring a wide insurance cover that helps you avoid unpleasant surprises. Our range of comprehensive motor insurance includes three packages that you are able to choose from: Kasko Pluss, Kasko and Kasko Mini. Please also pay attention to the additional insurance cover.

If you would like to insure a lorry, trailer, bus or motorbike, call our information hotline +372 622 4599 or send an e-mail to info@pzu.ee to request a quote and read the terms and conditions here.

  • Comparison of different packages

      We have prepared a table for comparing the packages in order to make the choice easier for you.

      Insurance cover Kasko Pluss Kasko Kasko Mini
      All-risk insurance  ✔
      Traffic accident, natural catastrophe, theft, fire, vandalism, unauthorised use and robbery  ✔  ✔ Only if the vehicle is fully destroyed
      PZU 24 h roadside assistance in Europe  ✔  ✔
      New value insurance (for vehicles up to one year old)  ✔ For an extra feet
      Lease value insurance (vehicle is up to seven years old, indemnity limit is 35,000 euros)  ✔ For an extra feet
      Replacementcar  ✔ For an extra fee
      Technical failure insurance (vehicle is up to six years old, mileage limit is 130,000 km)  ✔
      No deductible for collision with a wild animal  ✔  ✔
      No deductible upon windshield replacement  ✔  ✔
      10% extra indemnity in case of total destruction  ✔
      Lifting the vehicle back on the road and towing up to 3,200 euros up to 500 euros up to 500 euros
      The cost of replacing lost keys will be covered to the extent of €500, no deductible  ✔
      Rental car insurance (for private persons)
      Luggage insurance For an extra fee, indemnity limit 1,000 euros For an extra fee, indemnity limit 1,000 euros
      Trailer insurance For an extra fee, indemnity limit 1,500 euros For an extra fee, indemnity limit 1,500 euros
      Insurance of accessories* The indemnity limit of accessories installed after the first sale is 1,500 euros. The indemnity limit of accessories installed after the first sale is 1,000 euros. The indemnity limit of accessories installed after the first sale is 1,000 euros.

      * Accessories installed by the vehicle’s manufacturer are insured without an extra premium or indemnity limit. Accessories inter alia include carry cots, roof racks and ski boxes located in or attached to the vehicle. Bicycles attached to the vehicle are also insured against the risk of accidents as accessories. The indemnity limit for accessories can be increased for an extra premium.


PZU Kindlustus is the recognised insurance partner of the Estonian Vehicle Dealers and Services Association for 2019 and 2020!

NB! When entering into the comprehensive motor insurance contract, we also recommend that you take out additional cover for the use of a replacement vehicle. This ensures the free of charge use of a replacement car upon an insured event for 30 days on the condition that the repair works of the vehicle last more than 24 hours. More information on the replacement car cover is available here.

PZU is AB "Lietuvos draudimas" Estonian Branch trademark in Estonia. AB "Lietuvos draudimas" is Lithuanian insurance company, that is part of the international PZU Group. Before entering into an insurance contract, please examine the terms and conditions or dial +372 622 4599 for additional information.