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+372 622 4599

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Additional cover

  • New value insurance

      New value insurance

      New value insurance is required for a new vehicle. It provides the additional cover if the
      vehicle is destroyed or lost as the result of an insured event.
      New value insurance indemnifies the acquisition price of the vehicle (the price at which the vehicle was bought) if the following conditions have been met simultaneously:

      • the vehicle has only been in normal use during the insurance period;
      • the vehicle was first registered in Estonia and no more than one year has passed since registration by the time of the insured event;
      • Kasko Pluss package – included in the package;
      • Kasko package – the service is available for an extra fee.

  • Lease value insurance

      Lease value insurance protects you if, upon the total loss of the vehicle, the market value is lower than the value of the vehicle pursuant to the lease contract.
      Lease value insurance indemnifies the residual value pursuant to the lease contract if all the following conditions have been met:

      • the damage is not subject to indemnification on the basis of new value insurance;
      • the vehicle has only been in normal use during the insurance period;
      • the vehicle was registered for the first time no more than seven years ago;
      • the residual lease value of the vehicle does not exceed 35,000 euros;
      • the market value of the vehicle immediately before the insured event is lower than the value pursuant to the lease contract;
      • Kasko Pluss package – included in the package;
      • Kasko package – the service is available for an extra fee.

  • Replacement car

      The replacement car service ensures you a free of charge use of a replacement car upon an insured event for up to 30 days on the condition that the repair works of your vehicle last more than 24 hours. PZU replacement cars are provided by our partner Europcar in Tallinn, Tartu, Viljandi, Pärnu, Haapsalu, Rakvere, Kuressaare and Jõhvi.

      Good to know:

      • there is no deductible for the replacement car cover;
      • the rental expenses of the replacement car are paid to Europcar by PZU;
      • upon agreement, it is possible to order the replacement car to the desired address. In this case, a service charge determined by the partner applies pursuant to the valid price list. The client must pay the service charge;
      • the delivery and receipt of replacement cars takes place on workdays between 8:30 a.m. and 5:30 p.m. at the locations determined by Europcar;
      • when determining the size of the replacement car, the preferences of the customer are taken into account if possible;
      • General terms and conditions;
      • In a foreign country the replacement car shall be hired by the policyholder. The maximum
        indemnity per replacement car per day of hire is 50 euros (incl. VAT).
      • Kasko Pluss package – included in the package;
      • Kasko package – the service is available for an extra fee.

  • Technical failure

      Technical failure cover indemnifies the technical failure of your vehicle upon the simultaneous occurrence of the following special conditions:

      • the vehicle has only been in normal use during the insurance period;
      • the first registration of the vehicle has taken place no more than six years before the technical failure;
      • the mileage of the vehicle does not exceed 130,000 km as of the occurrence of the technical failure;
      • the good technical condition and smooth functioning of the vehicles that have been registered for the first time outside the Republic of Estonia have been confirmed by the Estonian distributor of the respective car manufacturer or a company approved by PZU. The confirmation must be given in a format that can be reproduced in writing prior to the occurrence of the insured event, but not more than 30 days before the entry into force of the insurance contract;
      • the vehicle has been maintained pursuant to the manufacturer’s instructions;
      • Kasko Pluss package – included in the package.

  • Rental car insurance

      Rental car insurance indemnifies the damage caused to a rental car by a policyholder who is a private person if the insured event is an accident, an act of vandalism or theft.

      • rental car insurance is valid on the condition that the car specified in the insurance policy is not used for participating in road traffic during the rental period of the rental car;
      • the rental car is a motor car and its rental period does not exceed 30 days;
      • the maximum indemnity per insured event is 16,000 euros and we indemnify the damage of up to three rental cars at most;
      • the provisions of the policy and insurance terms and conditions apply with respect to rental car insurance;
      • a rental car may not be used for providing commercial services or for driving practice;
      • rental car insurance does not apply in Estonia, Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus or Russia;
      • contractual penalties and default interest arising from the rental contract or from any other legal relationships are not indemnified.

      Example: You go on a trip and rent a rental car. In case of an accident, you must pay a deductible of 1,000 euros for the rental car. In this case, we will indemnify you the incurred expenses of 1,000 euros minus 200 euros (basic deductible of the policy), i.e. 800 euros.

      • Kasko Pluss package – included in the package.

  • Luggage insurance

      In case of luggage insurance all-risk insured events, the damage arising from damage to or destruction of the personal effects of the driver and the passengers stored in the luggage compartment of the vehicle is indemnified on the following conditions:

      • cash, securities, valuables, jewellery, documents (including photos, plans, drawings, etc.), electronic data media, tools, mobile phones, computers and photographic, audio
        and video equipment are not regarded as luggage;
      • in case of theft of luggage, we will indemnify the damage if the luggage was stored in a concealed manner in the locked luggage compartment of the vehicle;
      • in case of additional trailer insurance cover, the luggage that was in the trailer is subject to indemnification, excluding the damage caused by the theft or robbery of the luggage.
      • sum insured – 1,000 euros;
      • Kasko Pluss package – for an extra fee;
      • Kasko package – for an extra fee.

  • Trailer insurance

      Trailer insurance indemnifies the damage caused to your trailer arising from all-risk insured events on the following conditions:

      • the trailer was hooked up to the vehicle at the time of the insured event;
      • the trailer damage will be indemnified to the owner of the trailer specified on the trailer’s registration certificate;
      • the damage of the luggage in the trailer will only be identified if the luggage insurance additional cover has been purchased;
      • sum insured – 1,500 euros;
      • Kasko Pluss package – the service is available for an extra fee;
      • Kasko package – the service is available for an extra fee.

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.