Motor third party liability insurance | Elama. Only good times. Everything you need.

Drive carefree

Motor third party liability insurance will help you drive carefree, because in the unlikely event of an accident that is your fault, it will cover the damage caused to victims, including:

the damage caused to the other vehicle

damaged assets, such as fences, traffic signs, or buildings

the medical and healthcare costs of victims

To also protect your vehicle, you can opt for motor own damage insurance or add extra cover to your car insurance – giving you even more peace of mind.

A much better experience

Flexible

Decide for yourself what you need or get the maximum range of protection.

Plain and simple

Confidence with a few clicks of a button and clear conditions.

Fast

We act fast and keep you up to date with everything.

Useful information

For the successful operation of insurance, it is important to understand its scope and limitations.

Is MTPL mandatory?

Yes, according to the Motor Insurance Act, motor third party liability insurance is mandatory for all vehicles that have been registered in the motor register.

Where is motor third party liability insurance valid?

Motor third party liability insurance is valid in Estonia, the European Economic Area, and Switzerland. If you have a green card, the protection also extends to other countries marked on the map.

What to do if the area of application of the vehicle or its owner changes?

If the area of application or ownership of the vehicle changes, notify the insurer. Be sure to do this, for example, if you start using the car to provide a taxi service.

Can the insurance be renewed automatically?

Yes, select automatic renewal when you conclude the insurance, the insurance coverage will then continue without interruption. If you wish, you can conclude a new policy at the end of the contract.

What to do if you have sold the vehicle?

At the moment that the vehicle is sold and a change of ownership entry is made in the traffic register, the motor third party liability insurance contract is transferred to the new owner or responsible user. This means that the previous policyholder no longer has contractual rights or obligations.

How to check if you have a valid motor third party liability insurance contract?

You can check the status of a valid motor third party liability insurance HERE

What to do in case of an insured event?

Safety: ensure the safety of people and notify the Rescue Board in case of injuries.

Documentation: photograph the circumstances of the accident and the position of the vehicles.

Notifying the insurance company: Contact your insurance provider as soon as possible to report the loss event. In the case of a motor third party liability incident, you can also do this on the website avarii.ee.

How is the insurance premium calculated?

Several factors are taken into account when insurance premium is calculated, including the following:

Area and field of use: Whether the vehicle is used only for daily trips or also for special services (taxi, courier services).

Insurance history: previous insured years and insured events.

Vehicle parameters: vehicle type, age and other technical characteristics.

Do I have to keep the insurance policy in the vehicle?

In Estonia, it is not mandatory to physically carry the insurance policy with you. It is enough if it is available digitally, for example on the phone. However, if you are traveling to green card countries, you must have a physical green card with you. See list of green card countries.

24/7 Roadside assistance

Elama roadside assistance is free for motor own damage insurance clients, and available to traffic insurance clients for an additional fee.

We offer help in the following situations:

Roadside assistance is available 24/7 in Estonia and elsewhere.

Tel. +372 641 0436

Traffic accident:
Moving the vehicle and towing assistance.
Travel interruption:
Assistance in the event of a technical breakdown, flat battery, flat tyre, no fuel or lost keys.
Towing:
We transport the vehicle to the desired destination, and the drivers and passengers to the necessary place within Estonia (to the nearest storage or repair facility if abroad).
Pulling out:
We help you pull the vehicle out of the snow, sand, or mud.
Sliding off the road:
We help you get the vehicle back on the road and tow it to your destination if necessary.