- Can be used conveniently through the mSõiduk mobile app
- Additional possibility of automatic switch on/switch off
- Also extendable via a GPS-device to motor own damage insurance
- Payment takes place via next month’s mobile invoice from Telia, based on the number of days driven
- Excellent choice for ‘hobby’ vehicles
Using the app is easy:1. Enter the vehicle’s registration plate
2. Select a suitable insurance plan
3. Conclude the contract
The motor own damage insurance plan includes (all insurance covers apply, both when the vehicle is at a standstill as well as when it is being driven):
|Passanger cars and minivans||Motorcycles|
|Fire and explosion|
|Damage, destruction or theft|
|Collision with an animal|
|ERGO Autoabi roadside assistance|
|ERGO replacement car|
Frequently asked questions
Becoming a user of e-insurance
We provide e-insurance to private clients with a valid Telia mobile phone number (except for prepaid cards) and who are entered into the technical passport of the vehicle to be insured.
In the case of using a company phone, you need to register a private account at a Telia store.
If you have valid motor own damage insurance and/or third party liability insurance, it should be terminated. Please turn to your current insurer and end the policy. This requirement applies even when the current policy is with ERGO.
You just need to install the mSõiduk app to start using the e-insurance - there is no need to come to a Telia store or ERGO office.
Categories of vehicles insured
Passenger cars, vans, motorcycles and mopeds in normal use (M1; N1; M1G; N1G; L1; L2; L3; L4; L5)
Motor Own Damage Insurance
Passenger cars, vans, motorcycles and mopeds in normal use (M1; N1; M1G; N1G; L3; L4; L5)
Age of the vehicle
Cost and payment of insurance
The calculation is monthly. The calculation includes monthly payment + the cost of driving days used in a month.
Your insurance premium will be added to your phone bill in accordance with the use of the vehicle.
Savings with e-insurance
Purchasing insurance by day is not more expensive than the regular policy.
If you use the insurance for 17 days or more in one month, the rest of the days until the end of the month are free of charge.
When using a manually selected MTPL, you need to make sure that the insurance is activated for the entire period of the trip. NB! We cannot issue a green card in the case of manual MTPL.
NB! In Estonia, a paper copy of the MTPL insurance policy does not have to be with you.
Termination of the contract
Motor TPL insurance
Motor third party liability insurance (MTPL)
According to the law, all vehicles have to be insured to participate in traffic.
By using manually selected e-insurance, you are covered when the insurance is activated. When using a GPS device, the insurance protection is automatically activated when you start driving.The insurance includes the Liiklus+ service.
NB! Night-time and early morning driving with manually selected insurance
Switching off manually selected insurance
Automatic motor third party liability insurance
Calculation of driving days is automatic via a device installed in the vehicle and you don’t have to remember to switch the insurance on and off in the app.
Motor Casco insurance
MoD comes with:
MoD for leased vehicles
The fixed excess of a passenger vehicle is 200 euros and of a motorcycle, 300 euros.
In the event of theft or robbery, the excess shall be 15% of the extent of damages, however not less than 200 euros (300 euros for motorcycles).
In the event of a collision with an animal, no excess is applied; any loss or damage resulting from the avoidance of a collision shall be indemnified subject to the main excess.
No excess is applied
to glass repairs. In other events of glass insurance, the excess is 10%
(passenger vehicles only).
Automatic insurance before installation of a GPS device
Insurance agreement can be concluded in the app without a device. Until the device is added to the app, it is deemed that the vehicle is used in traffic every day.
You can order the device from the Telia e-store and add it to the app later.
Installation of a GPS device
GPS device on a motorcycle
- General terms and conditions
- Terms and conditions of motor third party liability insurance
- Terms and conditions of vehicle E-insurance
- Precontractual information
- Precontractual information from the insurance agent