If Casco Insurance

• Accident - we will indemnify the damages to or destruction of a vehicle as a result of an unforeseen event – traffic accident, natural disaster, damages to or intentional damaging of parts of a vehicle by a person not related to you.
• Theft - we will indemnify theft or robbery of a vehicle or parts thereof.
• Vandalism - we will indemnify damages caused intentionally to the vehicle by third persons.
• Fire - we will indemnify damages to or destruction of a vehicle as a result of a fire, i.e. arson by third persons, smoke, soot or extinguishing activities.

All risk insurance has restrictions, please be sure to read the insurance terms and conditions about the exclusions in detail.

Electric car — only a fully electric vehicle of categories M1 or N1.

• If your electric car has been stolen or destroyed, we pay you additional indemnity of 15% of the vehicle’s market value before the insurance event.
• €2,000 cover for charging cable and charging device applies to damaged caused by theft or accident.
• Roadside assistance 24/7 for discharged battery.
• If your electric car is destroyed or damaged by hail, wind, wind broken or raised objects or flooding, no deductible is applied.

We will indemnity the damages caused by collision with the animal without deductible.

If the damage diameter is smaller than 2 cm, it is not located in the drivers side and repairing does not break the glass heating system, the glass will be repaired. Other cases it will be replaced.
* Unlike for the replacement of windscreen, deductible for fixing of front and passenger windscreens is always €0.

In case of loss or destruction of keys or remote controls of a vehicle, we shall indemnify the replacement of a key or remote control, if necessary, recoding, without applying the deductible, but not more than 300 euros per insurance event.

The following is insured together with the vehicle: child seat, roof box, roof frame and bicycle bracket. Furthermore, in addition to the original parts of the vehicle, parts of the vehicle installed by the non-manufacturer are automatically insured to the extent of up to 1,000 euros. For example hubcaps, spoilers, additional lights, bumpers, paintings etc. If necessary, the indemnity limit can be increased.

To solve a problem with a passenger vehicle or van, call If's insurance number at +372 777 1211 and roadside assistance will be on its way! You can also use this service when in trouble abroad. NB! If's roadside assistance is not available in Russia, Belarus, and Ukraine.

One set of the vehicle's tires and hubcaps that are kept in a locked room is indemnified in the event of theft to the maximum amount of up to € 5,000.

Driving lessons to your own family members are included in the cover. If you are planning to use the vehicle as a learning vehicle for the purposes of earning money, this must be indicated separately on the contract.

A light trailer is a trailer registered in the traffic register the laden mass of which does not exceed 750 kg. Every light trailer connected to the insured vehicle at the moment of the insurance event shall be insured. The insurance shall not be applicable for the items in the trailer.

If as a result of a traffic accident, the driver's or passenger's health is permanently damaged or he/she dies, the indemnity will help to alleviate the family's financial worries.

This protection will cover the cost of a replacement car if your own car is being repaired due to insurance event. You will get a replacement car from our partner and it must be approved by If.

Instead of a replacement car, you can opt for a cash compensation (€ 30  / day) for up to 7 days.

As soon as you leave the car seller's premises, the price of the new car will start to drop. With this cover, we will indemnify the first sale price of your car in case of theft, robbery and destruction, no matter what the market value is.

If the vehicle has been stolen or robbed, or its restoration is not reasonable, we shall pay an additional indemnity the amount of which is 15% of the vehicle's market value immediately before the insurance event.

If you end up in an accident with your car abroad and as a result you are unable to continue your journey, we will compensate the additional transport and accommodation costs of the persons in the vehicle to the destination or back to Estonia - 1,000 euros as a total for all passengers.

If your things are stolen from a locked vehicle by burglary, we will compensate the cost of reacquisition of the stolen things up to 1,000 euros per event.

We will indemnify the cost of repairs or replacement of the external mirrors of the vehicle and their casings without the deductible.

Lease value insurance: We will indemnify for the residual value of the vehicle leasing if the residual value of the vehicle exceeds the market value.

Lease payment insurance: We will indemnify for a maximum of 100 days when the lessee is incapacitated due to an insured event.

We will indemnify for legal expenses incurred due to the insured event up to a maximum of € 1,300 per each insured event.

We will indemnify the deductible indicated in the vehicle rental contract up to € 2 000. Find out more about rental car liability insurance!

PS. Rental car deductible insurance is valid if the insurance event occurred outside Estonia.

We will also indemnify the vehicle repair at a dealership even after the warranty period has expired.