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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 8. 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

      Insurance cover Kasko Pluss Kasko Kasko 8*
      All-risk insurance ✔ ✔
      PZU 24 h roadside assistance in Europe ✔ ✔ ✔
      Road accident**, collision with an animal or bird ✔ ✔ ✔
      Lifting vehicle back on road and towing Up to €3,200 Up to €1,000 Up to €500
      New value insurance (for vehicles up to one year old) ✔ ✔
      Damage caused by a collision with an animal or a bird will be indemnified without excess ✔ ✔
      Window glass repair and replacement without excess ✔, including outside mirrors ✔
      Insurance of accessories, the accessories installed by the vehicle’s manufacturer are insured without an extra premium or indemnity limit 1,500€ 1,000€
      Vehicle charger cover Up to €3,500 Up to €2,500
      1 set of tyres and wheels at a storage facility up to €5,000 ✔ ✔
      Indemnification of vehicle keys without excess in the case of theft or loss ✔Yes, up to €600 ✔Yes, up to €400
      Technical breakdown insurance (vehicle less than 8 years old, kilometrage limit 160,000 km) ✔
      Lease value insurance (vehicle is up to seven years old, indemnity limit is 35,000 euros) ✔ For an extra fee
      Lease payment coverage ✔ For an extra fee
      Replacement car ✔ For an extra fee
      Rental car insurance (for private persons) ✔
      Travel interruption insurance,
      indemnity limit €350 in Estonia and €1,000 abroad in an insurance period
      ✔
      Passenger accident insurance,
      sum insured €10,000 per person
      ✔ For an extra fee
      Trailer insurance
      (indemnity limit €1,500)
      ✔ For an extra fee
      Luggage insurance
      (indemnity limit €1,000)
      ✔ For an extra fee For an extra fee
      10% extra indemnity in case of total destruction ✔

      * In the case of the Kasko 8 plan, the sum insured of the vehicle is €30,000, but no more than the market value of the vehicle at the moment the damage occurred.
      ** Road accident according to point 2.6 of the Terms and Conditions of Comprehensive Insurance A300/2022.

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.