Free emergency assistance in Estonia and throughout Europe
Sometimes a car may break down in the middle of a journey due to a technical problem, you may run out of fuel before
you reach a fuel station, the car may have a flat tyre or the weather may get so cold that your car will simply not start.
Emergency aid is granted to all customers of standard and elite casco insurance. If you are in trouble, simply call (+372) 888 1888 and help will arrive soon.
We indemnify the higher value
With casco insurance you can be sure that in case of damage you will be provided
with fair protection and the amount subject to payment is exactly the amount on which we agreed with you
upon the entry into the agreement. If the market price of the car before the loss event was higher than
that agreed on in the agreement, we shall compensate you for the market price. You will always be compensated
for the higher of the two values – either the value of the car agreed on upon the entry into the insurance
agreement or the market price of the car before the damage.
Genuine spare parts are used to repair vehicles that are up to 5 years old
In case of repairing cars not older than 5 years, we will ensure the use of original
spare parts produced by the manufacturer. The manufacturer’s warranty shall extend to the spare parts of
high quality and your car is like a new one after the repairs as well. The repairs are carried out at the official representation of the car.
Claims handling is quick
In the event of an accident, it is important for you to have your vehicle repaired or indemnity paid as soon as possible.
In our insurance terms and conditions, we promise to make a decision within 10 days; in practice, the decision is made within two days on average.
Suitable payment schedule
We enable you to choose a payment schedule suitable exactly for you. You may pay either
on an annual, semi-annual, quarterly or monthly basis – the amount of the insurance premium
does not depend thereon. You can pay the comprehensive insurance premiums of cars acquired
with the help of Swedbank Leasing together with your leasing payments.
Towage costs coverage
In the event that it is not possible to drive your car after a loss event, you shall need a towage service. We shall cover
the expenses of hauling the vehicle back onto the road or towing, that are reasonable and justified.There is no excess for the towing service.
Windows are insured without excess
The articles subject to damage most often are windshields and windows of cars. With our casco insurance the windshield and
windows of your car shall be under complete insurance coverage – there is no excess in the case of repairing and replacing front,
back and side windows.
The insurance coverage following damage is not reduced
We shall ensure that the insurance coverage agreed on upon the entry into the insurance agreement
shall also be applicable with regard to your car following the damage. You shall have to make no
additional payments in order to restore the initial insurance coverage.
Right of withdrawal from the agreement
Upon the entry into an insurance agreement, most of the clients do not have enough time for
examining the insurance terms and conditions in detail, as a result whereof upon a loss event it
may turn out that the concluded insurance agreement is not in conformity with the client’s actual
needs. Swedbank shall offer you a possibility of examining the policy conditions in
detail within two weeks following the entry into an insurance agreement, upon a corresponding
wish, to ask for additional information and, if necessary, to amend or withdraw from the insurance agreement.
The insurance coverage also includes a light trailer and an additional set of tyres/wheels
A light trailer attached to the vehicle is also insured with the vehicle. The trailer does not have to belong to the
policyholder; it can be e.g. a rental trailer. An additional set of tyres and/or wheels are protected against
theft if they are kept in a locked storage space.
A security alarm system is not required
We do not require your vehicle to have a security alarm system in order to enter into a comprehensive insurance contract.
Nor does this affect the amount of your insurance payments or compensation in the event of a claim.