Vehicle's e-insuranceHave you felt the need for insurance that you only pay for if you use your vehicle? ERGO now has a solution that is used to calculate the premium of motor third party liability insurance and comprehensive insurance on the basis of use of the vehicle. In this way, you can save up to 100% on insurance!
You just need to install the mSõiduk application to join the e-insurance – there is no need to come to an ERGO office. The application is available both for Android and iOS from Google Play and Apple App Store.
Why should you take out vehicle e-insurance?
- The insurance is automatically activated using a GPS device.
- An excellent choice in the case of vehicles that you rarely use.
- You will pay pursuant to the number of days you have driven on, using a bank card or Telia mobile invoice (Telia customers).
- If you do not use your vehicle during the month, then the price of motor third party liability insurance is EUR 0; with comprehensive insurance, only the monthly fee is applied.
- ERGO offers
quick loss adjustment.
You can calculate the price of your E-insurance on the Telia website.
Using the app is easy:
- Enter the vehicle's registration plate
- Select a suitable insurance plan
- Add credit card
- Conclude the contract
All insurance coverage is valid during driving, as well as when the vehicle is not in use.
Please note! With the comprehensive insurance of E-insurance, you only save on unused days in the event that you use a GPS device. Until the device is added to the app and to the vehicle, it is deemed that the vehicle is used in traffic every day.
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
Who can conclude an E-insurance contract?
We offer vehicle E-insurance to private customers who have been entered onto the vehicle registration certification as an owner, authorised user, or user. The effective MTPL and/or comprehensive insurance must be cancelled. 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 application to join the E-insurance – there is no need to come to an ERGO office. The application is available both for Android and iOS from Google Play and Apple App Store.
For which vehicles can I conclude an E-insurance contract?
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)
It is not permitted to use a vehicle insured with ERGO E-insurance as a short-term rental vehicle, emergency vehicle, a vehicle for driving practice, for providing transport, courier or taxi services or for ride-hailing/ride-sharing (such as Uber, Bolt, Yandex, etc.).
What age of vehicle can I conclude an E-insurance contract for?
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
Adding a GPS device enables one to make MTPL insurance automatic
With the comprehensive insurance you get:
Comprehensive insurance for leased vehicles
Comprehensive insurance excess
The territory of comprehensive insurance includes
Automatic insurance before installation of a GPS device
You can also conclude an insurance contract that automatically keeps records without a GPS device. Until the device is added to the app, it is deemed that the vehicle is used in traffic every day. For using the automatic service, you require a GPS device, which you can purchase from the Telia website, and add it to the app later on.
Installation of a GPS device to a car
GPS device on a motorcycle
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