In cooperation with PZU*, we offer insurance solutions, which help in managing all vehicle-related risks. PZU comprehensive motor vehicle insurance is designed for SEB clients, who seek better protection for their passenger cars and vans and need a high-quality insurance solution.
Comprehensive motor vehicle insurance plans | Kasko Pluss | Kasko |
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All-risk insurance (incl. a traffic accident, natural disaster, fire, theft, vandalism, stealing and robbery). |
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24h roadside assistance “PZU Autoabi” in Europe |
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New value insurance (for vehicles not older than 1 year) |
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For additional fee |
Lease value insurance (for vehicles not older than 7 years, with an indemnity limit of €35,000) |
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Replacement vehicle (for up to 30 days, without deductible) |
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For additional fee |
Insurance against technical failure (for vehicles not older than 6 years, mileage €130,000) |
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Damage due to collision with a wild animal shall be indemnified without applying the deducible |
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+10% additional indemnity in case of complete destruction (except for new value cover) |
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Restoring a vehicle older than 3 years at a dealership |
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Indemnification of the keys of a vehicle in case of theft or robbery to the extent of €500 without deductible |
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Insurance of accessories. Accessories installed by the vehicle’s manufacturer are insured without additional fee and limit of indemnity. Limit of indemnity of accessories installed after first sale without additional fee | €1,500 | €1,000 |
Insurance of tyres kept in a storage |
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Loss adjustment by phone (+372 622 4545) |
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In case of an insured event, transport of up to 5 passengers to a destination or point of departure within Estonia pursuant to the client’s request |
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Rental car insurance (if the policyholder is a natural person) |
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Trailer insurance and baggage insurance | For additional fee | For additional fee |
You may choose between the insurance period of 1 or 2 years. If you take out a 2-year insurance policy, the insurance premiums are smaller and payments of property insurance fixed for the entire insurance period |
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A vehicle purchased with leasing must have a valid insurance cover as of delivery of the vehicle to the client until termination of the lease contract, that is, until the fulfilment of all contractual obligations: the person must conclude a comprehensive motor vehicle insurance contract, which is of assistance in case of most common damages of a vehicle irrespective of who the guilty party is or where the accident happened, and a motor third party liability insurance contract, which compensates the damage caused to other person with the traffic accident.
There are specific requirements, established for insurance contracts of leased property:
PZU comprehensive motor vehicle insurance, mediated by SEB, corresponds to the requirements established to insuring the leased property and provides the following benefits:
Additional requirements apply to those insurance contracts of leased property, which are not concluded through PZU:
Motor third party liability insurance
All vehicles registered with the traffic register of the Road Administration must be covered with motor third party liability insurance (TPL). In case of an insured event covered by a motor third party liability insurance, proprietary and personal damage, caused by the owner of a vehicle in a traffic accident to other persons shall be indemnified. The lessee as a person subject to insurance obligation is responsible for the fulfilment of the TPL insurance obligation. Motor third party liability insurance provides insurance cover in the European Economic Area and other countries who have joined the green card system.
Motor third party liability insurance can be concluded with a term up to 1 year and either as an automatically renewable contract or as an automatically non-renewable contract:
Motor third party liability insurance is regulated by the Traffic Insurance Act. Before requesting the offer, read the insurance service information document of motor third party liability insurance.
I have valid motor third party liability insurance. Why should I need comprehensive motor vehicle insurance?
To fully insure the vehicle, you need both, the motor third party liability (TPL) as well as the comprehensive motor vehicle insurance. TPL insurance is a mandatory insurance, the existence of which, according to law, must be ensured by the responsible user (or the owner, if there is no responsible user) of the vehicle. With TPL insurance you insure your liability towards other road users. This means that whenever you are guilty of causing a traffic accident, only the damage caused to the injured party is indemnified.
However, the damage incurred to your car is not indemnified under the TPL insurance. This damage is indemnified by comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance helps to prevent extensive financial loss in case of an accident, theft, fire, vandalism and technical failure.
What are the main risks covered with the PZU Kasko package?
Does the PZU Kasko Pluss package include something, which is not offered by other insurance firms?
Yes, unlike many other insurance firms, PZU Kasko Pluss package (in addition to PZU Kasko package) covers also the following:
What does the premium of comprehensive motor vehicle insurance depend on?
The premium of comprehensive motor vehicle insurance depends on the make and model of the vehicle, the output of engine, year of first registration of the vehicle, area of application, amount of deductible, insurance history of the policyholder and age (in case the policyholder is a natural person), insurance cover, insurance territory, etc.
Before requesting an offer and taking out the contract, read the insurance service information document of comprehensive motor vehicle insurance and motor third party liability insurance, the terms and conditions of comprehensive motor vehicle insurance A300/2017, the general terms and conditions of insurance of PZU. Motor third party liability insurance is regulated by the Traffic Insurance Act. If necessary, consult a specialist on the SEB customer service line 665 5100.
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