Casco insurance

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From 20.10.2022. no deductible will be applied for vehicles with a maximum permissible mass of up to 3.5t in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the location of the incident.

This applies automatically to all new and existing CASCO insurance contracts regardless of which insurance package you have chosen.

Less exceptions, better protection

By choosing our CASCO you will get:

All risk insurance with a very wide insurance cover.
24h roadside assistance anywhere in Europe.
Maximum protection for you and your belongings when choosing Elite CASCO.
New! Collision with an animal (including bird) – without deductible. Read more

For passenger car we offer

What is all-risk insurance?

All-risk insurance means that insurance covers any damage caused by any sudden unforeseen event, except those excluded in conditions (e.g. insured vehicle was driven by a drunk driver, the driver did not have the right to drive a vehicle of the respective category, or the vehicle or its parts were worn or corroded).

documentMore about conditions

For example:

Theft, robbery
Vandalism
Fire
Natural disasters
Falling objects
Collision with another vehicle

Collision with an obstacle
Collision with an animal
Driving off the road
Fuel system cleaning when wring fuel has been inserted
Damage during transportation
Damage made in car wash/service

	Standard Casco	Elite Casco
All risk cover Any sudden and unexpected event. For example fire, traffic accident, vandalism, natural disaster, vehicle collision with a wild animal, theft or robbery, which results in the insured object getting damaged or destroyed, except those excluded in terms and conditions.
Road accidents
Vandalism, theft, robbery
Fire, natural disaster
Other insured risks
Additional covers and benefits
Accessories insurance (e.g. roof rack or-box, tyres and rims, light trailer) Items permanently attached to the vehicle (e.g. audio equipment, wheel rims, additional lights) and a light trailer without cargo (maximum weight 750 kg), roof rack or -box, bike or ski rack, child's safety cot or safety seat, removable GPS equipment and plate number. An extra set of tyres or wheel rims kept in a locked place are also insured as accessories.
24-hour roadside assistance in Europe Roadside assistance will be provided to you on the road if you’re not able to start the vehicle, get a flat tire, run out of gas, lock the vehicle key inside the vehicle, get in a car accident, or if the vehicle breaks down and, therefore, needs to be transported to a repair shop or storage location. The service is available in Europe, excl. Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan and Turkey.
0 € deductible for glass damage We will repair or replace your damaged car windows without deductible. The glass of exterior mirrors, sunroof and panoramic roof are also covered. Original parts will be used for cars that are up to 3 years old.
0 € deductible for collision with animal (including bird) No deductible will be applied in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the place of the incident.
New car value insurance The agreed value of a vehicle with a maximum permissible mass of 3.5 tons will not decrease during the first year following the initial registration of the vehicle.
New original manufacturer’s spare parts for cars of up to five years of age New original spare parts are used to repair vehicles that are up to five years old, unless the parts that need to be replaced do not comply with the standard or are not original parts. Also, we may use non-genuine glass when the windows of a vehicle that is more than three years have to be replaced.
Damage to or theft of personal belongings Your personal belongings inside the car are insured, in case they get stolen or damaged in an insured event. This includes items in the roof box and bicycles fastened to or on top of the car using security devices. The maximum compensation is €1,200 per insured event, deductible €50.
Loss of or damage to keys In the case of loss, theft or robbery of keys or alarm remote control, we will reimburse the cost of keys and alarm remote control recoding, or if that is impossible, the replacement of locks. The deductible in the case of loss of keys is € 50.
Transportation costs to and from repair shop In case you can drive your car to a repairshop, we will indemnify for the cost of transporting the vehicle to a repair shop and bringing it back (i.e taxi receipts) up to 50€ per case.
Personal accident insurance for you and other passengers If you or the passengers in the vehicle are injured in an insured event which causes you or the passengers a temporary or permanent incapacity to work, or death, we will pay out the accident insurance indemnity. Sum insured per person is € 10 000, daily allowance € 30 if you are temporary incapacity of work.
Trip interruption If it becomes impossible to continue driving due to an insured event (unexpected technical fault or theft or loss of keys) we will reimburse your and your passengers' reasonable expenses of returning home or, alternatively, accommodation if returning to home on the same day is not possible. The maximum amount reimbursed for one event of trip interruption is in Estonia 350 € and in foreign countries € 1000.
Replacement car If you are no longer able to use the car due to an insured event, we will reimburse for the cost of renting a replacement vehicle or for other transport expenses approved by us. The renting expenses will be reimbursed for the period not longer than 30 days per one insured event. You can choose the maximum reimbursement per day - either € 30 or € 60.	Optional (extra charge)	Optional (extra charge)

	Standard	TOP choice Elite
All risk cover Any sudden and unexpected event. For example fire, traffic accident, vandalism, natural disaster, vehicle collision with a wild animal, theft or robbery, which results in the insured object getting damaged or destroyed, except those excluded in terms and conditions.
Road accidents
Vehicle collision with a wild animal
Vandalism, theft, robbery
Fire, natural disaster
Other insured risks
Additional covers and benefits
Accessories insurance (e.g. roof rack or-box, tyres and rims, light trailer) Items permanently attached to the vehicle (e.g. audio equipment, wheel rims, additional lights) and a light trailer without cargo (maximum weight 750 kg), roof rack or -box, bike or ski rack, child's safety cot or safety seat, removable GPS equipment and plate number. An extra set of tyres or wheel rims kept in a locked place are also insured as accessories.
24-hour roadside assistance in Europe Roadside assistance will be provided to you on the road if you’re not able to start the vehicle, get a flat tire, run out of gas, lock the vehicle key inside the vehicle, get in a car accident, or if the vehicle breaks down and, therefore, needs to be transported to a repair shop or storage location. The service is available in Europe, excl. Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan and Turkey.
0 € deductible for glass damage We will repair or replace your damaged car windows without deductible. The glass of exterior mirrors, sunroof and panoramic roof are also covered. Original parts will be used for cars that are up to 3 years old.
New car value insurance The agreed value of a vehicle with a maximum permissible mass of 3.5 tons will not decrease during the first year following the initial registration of the vehicle.
New original manufacturer’s spare parts for cars of up to five years of age New original spare parts are used to repair vehicles that are up to five years old, unless the parts that need to be replaced do not comply with the standard or are not original parts. Also, we may use non-genuine glass when the windows of a vehicle that is more than three years have to be replaced.
Damage to or theft of personal belongings Your personal belongings inside the car are insured, in case they get stolen or damaged in an insured event. This includes items in the roof box and bicycles fastened to or on top of the car using security devices. The maximum compensation is €1,200 per insured event, deductible €50.
Loss of or damage to keys In the case of loss, theft or robbery of keys or alarm remote control, we will reimburse the cost of keys and alarm remote control recoding, or if that is impossible, the replacement of locks. The deductible in the case of loss of keys is € 50.
Transportation costs to and from repair shop In case you can drive your car to a repairshop, we will indemnify for the cost of transporting the vehicle to a repair shop and bringing it back (i.e taxi receipts) up to 50€ per case.
Personal accident insurance for you and other passengers If you or the passengers in the vehicle are injured in an insured event which causes you or the passengers a temporary or permanent incapacity to work, or death, we will pay out the accident insurance indemnity. Sum insured per person is € 10 000, daily allowance € 30 if you are temporary incapacity of work.
Trip interruption If it becomes impossible to continue driving due to an insured event (unexpected technical fault or theft or loss of keys) we will reimburse your and your passengers' reasonable expenses of returning home or, alternatively, accommodation if returning to home on the same day is not possible. The maximum amount reimbursed for one event of trip interruption is in Estonia 350 € and in foreign countries € 1000.
Replacement car If you are no longer able to use the car due to an insured event, we will reimburse for the cost of renting a replacement vehicle or for other transport expenses approved by us. The renting expenses will be reimbursed for the period not longer than 30 days per one insured event. You can choose the maximum reimbursement per day - either € 30 or € 60.	Optional (extra charge)	Optional (extra charge)

CASCO insurance provides voluntary vehicle insurance, which will compensate damages incurred to the vehicle. The insured car may also be driven by other persons entitled to drive.

Advantages of our offer

All risk cover - any sudden and unexpected event not listed under the exceptions is covered. See examples
24-hour roadside assistance without restrictions on the number of times you can use the service.
Windows are repaired or replaced without any deductible.
0 € deductible for collision with an animal. No deductible will be applied in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the place of the incident.
New original manufacturer’s spare parts are used for repairs for cars of up to five years of age.
In case of theft or total loss, the higher of the two amounts – the sum insured stated in the policy or the market value – will be reimbursed.

You can insure a vehicle of up to 14 years of age.

After concluding the agreement:

If requested in the policy, please send photos of the vehicle. See instructions
You can report a road accident digitally; however, you can also print out a Road Accident Report form if you want to have it handy in your car in case of an accident.
Save the roadside assistance number 888 2111 on your phone, so you can call for 24/7 roadside assistance.
Before travelling abroad with your car, make sure that CASCO insurance is valid in the countries you will be driving in.

We offer our Standard Casco solution, which includes all risk cover, also for commercial vehicles, buses, trucks, lorries etc.

Sum insured is agreed in the policy and you will also get a towing limit across Europe.

Ask for casco offer

In case you have more than five vehicles to insure, ask for our fleet offer.

For a fleet offer please be prepared to send us claims history for the last years.

Calculate the Premium in the internet bank.
Payments can be made on a monthly, quarterly, half-year or yearly basis, without the frequency of payments affecting the size of the insurance premium.
Pay first payment and conclude contract in the internet bank.
Insurance cover will be valid the day after the conclusion. The policy is available in the internet bank 24/7.
If necessary, we will ask you to submit photos of the vehicle or have a vehicle inspection carried out within 3 days after issuing the policy.

The photos should be taken during the daylight hours and the car should be clean.
It is important that the date on which the photos were taken can be identified on the photos.
Provide the following photos:
- Diagonal view of the front, showing the front number plate.
- Back diagonal showing rear number plate.
- Interior photo of the central console.
- Separate photos of any damages.

document More detailed guidelines.

Make sure to call to the Emergency Centre if necessary. If the situation is safe, please notify us in the internet bank as soon as possible.

Fill out the insurance claim form.
Our claim handling specialist will contact you and provide further guidance.

In case you need road side assistance, please 888 2111 (24h).

Report a casco damage

Call the Emergency Centre (112) if:

people are injured;
you do not reach an agreement about the fact who caused the accident;
the vehicle or parts of there have been, stolen or robbed;
you have caused damage to someone, but are unable to identify the owner of the property;
the situation includes a fire or an explosion;
environmental pollution may occur.

Contacts

Swedbank P&C Insurance AS

phone 888 1513
varakindlustus@swedbank.ee

Insurance claims handling

Report a Casco damage
In case of an insured event, please notify us as soon as possible.

Roadside assistance

phone 888 2111 (24h)
If you need help on the road our 24h assistance is available across Europe.

Latvia, Lithuania, Estonia, Albania, Austria, Andorra, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Cyprus, Germany, Greece, Croatia, Iceland, Italy, Ireland, Great Britain and Northern Ireland, Liechtenstein, Luxembourg, Macedonia, Malta, Montenegro, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Spain, Finland, Slovakia, Slovenia, Serbia, San Marino, Switzerland, Ukraine, Hungary, Vatican, Sweden. Geographical part of Europe Russia: Kazakhstan, Turkey, Armenia, Georgia, Azerbaijan.

Casco insurance

User data

Vehicle data

Comment

Less exceptions, better protection

For passenger car we offer

What is all-risk insurance?

For example:

Standard Casco

Elite Casco

Standard

Elite

Advantages of our offer

After concluding the agreement:

Contacts

Insurance claims handling

Roadside assistance

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