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Motokasko

You will receive full insurance coverage for a motorcycle or ATV if, in addition to the mandatory motor third party liability insurance contract, you also sign a voluntary motorcycle or ATV insurance or Motokasko contract.

Voluntary insurance compensates for the theft and destruction of the vehicle and damage not compensated for pursuant to the Motor Third Party Liability Insurance Act. For example, this includes the damage to the motorcycle or ATV arising from a traffic accident caused by the person driving the vehicle; also fire or arson; the theft of the vehicle or parts thereof, etc.

Also ERGO is the first company in Estonia to offer free assistance as part of Motor Hull Insurance to motorcyclists who encounter difficulties while on the road. The roadside service (ERGO Autoabi) will be provided to both existing and new Motor Hull Insurance policy holders. Read details about free roadside service on ERGO Autoabi page.

The Motokasko contract can be signed by the owner or renter of the vehicle or any other legal possessor.

ERGO offers three insurance options: idle vehicle comprehensive insurance, partially comprehensive insurance and fully comprehensive insurance.

Fully comprehensive insurancePartially comprehensive insuranceIdle vehicle comprehensive insurance
Natural disaster
Fire and explosion
Vandalism
Traffic accident

Transportation and lifting the vehicle onto the road
ERGO Autoabi roadside assistance

Collision with an animal
 
Theft


Robbery


  insured


Special terms and conditions for insuring a motorcycle
  • The user and/or policyholder of the motorcycle must be at least 25 years old.
  • The motorcycle must be registered in the Estonian Motor Vehicle Registration Centre (ARK).
  • The motorcycle must have an alarm system with immobiliser.
  • Excess is at least 300 euros, in case of a theft, 15% of the damage, but not less than 300 euros.
  • The territory of the insurance is Estonia or all of Europe, except the CIS (including Ukraine, Belarus, Moldova and Russia).
  • Motorcycles that are up to 10 years old are insured.

Special terms and conditions for insuring an ATV
  • An ATV must be registered in the traffic register as a motorcycle (L5) or a small tractor (T5).
  • Excess is at least 300 euros, in case of a theft, 15% of the damage, but not less than 300 euros.
  • The insurance territory is Estonia.
  • ATVs that are up to 10 years old are insured.

When insuring an ATV, it must be remembered that the vehicle may be left unsupervised by the policyholder or their representative only in a garage that is under technical supervision.

General terms and conditions