Vehicle's E-insurance

We provide vehicle's e-insurance to private clients who are entered into the technical passport of the vehicle to be insured.

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 ERGO office.

The app is available both for Android and iOS from Google Play and Apple App Store.

Motor third party liability insurance (MTPL)
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)

In the case of casco, we insure vehicles up to 15 years old and motorcycles up to 10 years old; there is no limit as to MTPL.

You will see your personal insurance offer in the app.

The calculation is monthly. The calculation includes monthly payment + the cost of driving days used in a month.

MTPL monthly payment will be charged on the fist day of the month when insurance is activated. If you don’t activate insurance during the month, the monthly payment won´t be charged.

For casco insurance monthly payment is charged on the 1^st day of the month even if you don’t drive a vehicle that day.

Your insurance premium will be charged from credit card or added to your Telia phone bill in accordance with the use of the vehicle.

Ideally, you could save up to 100% with MTPL and up to 60% of your current insurance premium.

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.

You can sign the contract being in Estonia in a home network and use it all over the world.

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.

Can be found from the subsection “Information” of the app.
NB! In Estonia, a paper copy of the MTPL insurance policy does not have to be with you.

You can terminate the contract hassle-free at the mSõiduk app.

NB! Uninstalling app does not terminate the contract.

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.

In relation to night-time maintenance works, it is recommended to activate the insurance cover the day before by 21:00 at the latest to ensure that the insurance is activated and not hindered by technical issues.

If you are certain you do not need a policy for the following day, switch off the insurance. Activated insurance is valid till the end of the day (23:59:59) even when button is in off position.

Adding a GPS device makes the MTPL automatic.

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.

replacement vehicle - free ERGO replacement vehicle for a passenger vehicle or a delivery van for up to 21 days

assistance - in case of an insured event, free 24/7 towing assistance is available for passenger cars and motorcycles in Europe, by calling ERGO Autoabi on 655 5401

In the case of e-insurance, the Casco of your vehicle is also valid when the vehicle is not currently in use.

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).

Europe, except for Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey.

Automatic 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.

In most vehicles, the installation socket is located close to the steering wheel, e.g. underneath it or above the pedals. However, since there are exceptions, you can always contact a specialist when needed: Autlo OÜ, +372 5860 1411, seade@autlo.com.

To use a GPS device on a motorcycle, you need an OBDII port. Please refer to qualified specialists to install it - for example, Autlo OÜ, +372 5860 1411, seade@autlo.com.