Vehicle's e-insuranceAs of 01.12.2022, we will discontinue offering the "Vehicle e-insurance" service, and it will not be possible to conclude new contracts through Telia.
All previously concluded e-insurance contracts are valid until the end of the insurance period. The e-insurance application is active until 30.11.2023.
ERGO insurance helps customers find a new vehicle insurance solution that meets their needs. Additional information can be found on the website ergo.ee and by calling 610 6500.
All ERGO vehicle insurances can be concluded online at ekontor.ergo.ee
Frequently asked questions
How is the price of vehicle E-insurance calculated, and how does payment occur?
In the case of motor third party liability insurance, you pay the monthly fee on the first day of driving. If your vehicle does not move within the month, you will not pay the monthly fee. The monthly fee for comprehensive insurance is collected on the first day of the month, regardless of vehicle movement. Your insurance premium will be paid automatically via direct debit from your bank account, or it is added to your monthly Telia invoice, pursuant to your use of the vehicle.
How much can I save with the E-insurance contract?
At most, you can save up to 100% on your current MTPL insurance payment, and up to 60% in the case of comprehensive insurance. By purchasing insurance on a daily basis, it will not become more expensive than a regular policy, even if you drive every day. By using the insurance on 16 or more days in one month, you will only pay for the first 16 days, and the following days until the end of the month are free of charge for you.
Can I conclude and use an E-insurance contract while I am abroad?
Please note! You only require a green card in green card countries.
Where can I find my E-insurance policy?
Please note! In Estonia, a paper copy of the MTPL insurance policy does not have to be with you.
How can I terminate an E-insurance contract?
Please note! Uninstalling the application from your phone does not terminate the contract – you have to terminate the contract yourself beforehand.
Motor TPL insurance
Motor third party liability insurance of vehicle E-insurance
The motor third party liability insurance, Liiklus+ service.
NB! Night-time and early morning driving with manually selected insurance - Please note! Night and early morning drives until 4.00 a.m.
In relation to night-time maintenance works in the system, it is recommended to activate the insurance cover the day before by 21:00 at the latest, in order to ensure that the insurance is activated and not hindered by technical issues. If you are certain that you do not need a policy for the following day, switch off the insurance. The activated protection is valid until the end of the current day (until 23:59:59), regardless of the fact that the switch has been turned off.
Switching off manually selected insurance
With the comprehensive insurance you get:
Comprehensive insurance for leased vehicles
Comprehensive insurance excess
The territory of comprehensive insurance includes
Terms & Conditions
- 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
- Motor third party liability insurance information document
- Motor Hull Insurance information document