Casco for motorcycles

Casco insurance will compensate for the damage caused to your motorcycle if you cause a traffic accident by yourself or your motorcycle is involved in an accident of another kind.

Advantages of Motocasco:

Loss or destruction of keys
In case of loss or destruction of keys or remote controls of a motorcycle, we shall indemnify the replacement of a key or remote control without deductible.
Motorcycle helmets and protective gear are also covered
Motorcycle helmets and protective gear of the driver and passenger of the motorcycle as well as motorcyclist’s clothes that contain protective elements to the extent of up to €1,000 are under the cover.
One deductible applies to both theft or all risk coverages
You can choose deductible: 200, 400 or 650 euros

Important information

What's included	Motocasco	Motocasco Extra
Allrisk 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.	checkmark	checkmark
Damages caused by collision with animal (deductible 0 €) We will indemnity the damages caused by collision with the animal without deductible.	checkmark	checkmark
Loss or destruction of keys (deductible 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 € per insurance event.	checkmark	checkmark
Vehicle parts insurance 1000 €	checkmark	checkmark
Road assistance 24/7 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.	checkmark	checkmark
Additional indemnity 15% for total loss 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.		checkmark

You can buy insurance for a motorcycle that is up to 20 years old.

You are covered across Europe, apart from Ukraine, Belarus, and Russia. The area of validity can also be expanded, please contact us if you need it.

Deductible

A deductible is the portion of the amount of damages that you shall cover in case of any damages. With If Plus Bonus program you can reduce the amount of deductible. Read more plus.if.ee.

You can choose deductible: 200, 400 or 650 euros.

Good to know

If you are selling your motorcycle

The law says that when a vehicle is sold, gifted, etc., all the rights and responsibilities relating to insurance will transfer to the new owner.
This means that you should terminate your Casco contract before selling the vehicle, otherwise only the new owner will be able to apply for the termination of the contract and for refund of the insurance premium.

How can I terminate it?

Once you have set the sale date, send us your termination application through If's e-bureau early on, indicating the desired date of termination.

Terms & conditions

General insurance conditions

Vehicle insurance conditions

Vehicle insurance information document (in Estonian)