Motor TPL insurance

• Traffic+ is available for passenger cars (M1, M1G), pickup trucks, vans (N1, N1G) and motorcycles (L3, L4, L5) in case of the traffic accident.
• Service is free only when using ERGO Autoabi’s phone number 655 5401. ERGO does not compensate for towing assistance ordered from different phone numbers ERGO also does not compensate for towing assistance via Traffic+, which has been received from elsewhere on the basis of expense receipts
• We will tow the car from the scene to the nearest repair shop or to a repository. We will notify you about the exact location of your car and the expected time required for resolution of the problem
• If you are the injured party in the accident, towing is free for your vehicle. After towing, contact the insurance undertaking of the vehicle responsible for causing the accident as soon as possible, to register the accident
• In case you caused the accident, towing is free for your vehicle as well. After towing, register the traffic accident with ERGO as soon as possible

If you will be driving abroad with your vehicle, take the Green Card with you.

The Green Card is an international liability insurance certificate, on the basis of which the loss caused by the offender’s vehicle in a traffic accident is compensated to the injured party, according to the rules in the country of the accident.
Order the Green Card from ERGO e-office "My Contract" field or pick it up at ERGO’s office.

Read more from the Estonian Traffic Insurance Fund’s page.

How to get Green Card when office is closed?

Please take into consideration that due to emergency situation in Estonia, getting Green Card may take longer than usually, because it will be sent to the clients via post. Green Card is needed for example in case of in trade with Russia, Belarus and Ukraine. The green card is not mandatory when traveling in the European Union.

MTPL is a mandatory insurance. If this has not been concluded, mandatory insurance will apply. Read more from the Estonian Traffic Insurance Association’s page. How to get Green Card when office is closed? Please take into consideration that due to emergency situation in Estonia, getting Green Card may take longer than usually, because it will be sent to the clients via post. Green Card is needed for example in case of in trade with Russia, Belarus and Ukraine. The green card is not mandatory when traveling in the European Union.

We cover legal costs that may arise in legal disputes related to the insured vehicle. The legal dispute should arise from contracts under the Law of Obligations, Real Rights contracts or non-contractual disputes related to the insured vehicle. The insurance covers 10,000 euros in legal fees per legal protection insurance event. In addition to legal fee coverage, the client is able to seek advice and instructions from lawyers by calling ERGO's legal helpline on +372 660 4900. Guidance can be given on legal matters and disputes regarding the insured vehicle.

Legal fees are covered in the following events regarding vehicles:

• the service provided by a workshop turns out to be poor in quality and the shop refuses to rectify its mistakes;
• damage collection from the owner of the road for damage caused by a pothole;
• the car was damaged in a car wash and the operator of the car wash refuses to indemnify it;
• snow and ice fall on the vehicle from the roof of a building and the owner of the building refuses to indemnify it;
• if the injured party demands the reimbursement of the rental costs of a replacement vehicle from the person responsible for the accident wrongly or in disproportionately large amounts (note: additional cover of compensation of claims for a replacement vehicle will prove useful here – available for only 1 euro);
• the client purchases a new car and takes out legal protection insurance within seven days, then discovers flaws which the seller had concealed;
• the client sells their vehicle, which was covered with legal protection insurance at the time of the sale, and the seller demands the rectification of alleged flaws;
• the client incurs proven damage during an accident that neither the person responsible nor their insurer is willing or obligated to indemnify.