Motor own damage
insurance
Motor own damage insurance is a voluntary vehicle insurance that protects the owner of the vehicle from damage that is not covered by motor third-party liability insurance. It provides extensive protection against unexpected damage, be it a traffic accident, theft or natural disaster. Your peace of mind is guaranteed because you know that your vehicle is protected, regardless of the cause of the accident.
Choose Flex if you value flexibility or choose Max if you want maximum protection.
* The exact price depends on the specific vehicle and the selected insurance risks
Decide for yourself what you need or get the maximum range of protection.
Confidence with a few clicks of a button and clear conditions.
We act fast and keep you up to date with everything.
Before entering into a contract, please read the insurance terms and conditions, the information document, and the vehicle photographing guidelines here.
For the successful operation of insurance, it is important to understand its scope and limitations.
No, Motor Own Damage Insurance is voluntary and provides financial security regardless of who is responsible for the damage.
In the event of a change of ownership, be sure to notify your insurance company. You will be refunded the part paid for the unused insurance cover calculated based on the number of days.
Safety: ensure the safety of people and notify the emergency services in case of injuries.
Traffic accident: register the event according to the legislation. If the parties cannot agree on the liability or if the party causing the accident is unknown, call the police.
Fire: inform the Rescue Board immediately.
Theft and vandalism: inform the emergency services.
Gathering evidence: photograph the circumstances of the accident as thoroughly as possible.
Minimising the damage: do everything you can to prevent the damage from getting worse – cover any broken windows and move the immobile car to a safe location.
Collision with an animal: notify the Environmental Board at number 1247.
Notify the insurance provider: report the insured event as soon as possible.
Motor Own Damage Insurancee event: report incident here .
Elama roadside assistance is free of charge for motor own damage insurance clients, and available to traffic insurance clients for an additional fee.
We offer assistance in the following situations:
Roadside assistance is available 24/7, both in Estonia and elsewhere.
Phone: +372 641 0436
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