High risks when visiting Ukraine, Russia and Belarus 

If possible, we ask our customers to avoid visiting Ukraine, Russia and Belarus at the moment. We recommend our customers who are presently staying in these countries to return home as soon as possible. 

We have suspended issue of policies for most insurance products, territorial cover of which includes Ukraine, Russia and Belarus. We would like to draw attention of our customers to the fact that insurance does not cover losses caused by the war situation in Ukraine. 

Due to the sanctions imposed on the financial sector of Russia and Belarus, it is difficult for us to protect our customers and help those who need our help when they are in Russia or Belarus. For this reason, if possible, we ask our customers to refrain from visiting Belarus and Russia at the moment.  

All currently valid insurance contracts will remain in force in accordance with the terms and conditions of the respective contract, however, due to the military conflict and sanctions, we may not be able to help our customers in these countries the way we would like.  

If you have a question about a specific insurance product, please read the following topic blocks. If you did not find the answer to your question, please contact us at info@if.ee or call +372 777 1211. 

Frequently asked questions

Travel insurance

Does If issue new travel insurance policies for travel to Ukraine, Russia or Belarus?

Starting from 28 February 2022, If suspended sale of travel insurance for travel to Ukraine, Russia and Belarus.

Is my travel insurance still valid if I am still in Ukraine or want to go there?

Travel insurance was valid for the first 14 days in the war situation for customers who entered the territory of Ukraine on 24 February 2022 or earlier. This means that travel insurance cover in Ukraine ended on 10 March 2022. If you have entered or want to enter Ukraine after 24 February 2022, travel insurance is not and will not be valid. 

If I have travel insurance for travel to Russia or Belarus, is it still valid?

Yes, a currently valid insurance contract will remain in force in accordance with the terms and conditions of the contract, however, due to the sanctions, we may not be able to help customers in these countries the way we would like. Therefore, we recommend that you avoid visiting Russia and Belarus at this time. 

Motor third party liability (MTPL) insurance

Is MTPL insurance valid for travel to Ukraine, Belarus or Russia under normal terms and conditions?

MTPL insurance remains valid. Green Cards issued in Estonia, Latvia and Lithuania remain valid in all Green Card countries (including Ukraine, Belarus and Russia), and vice versa.  

However, it must be emphasised that, due to the war situation and sanctions, we may not be able to help customers in these countries the way we would like. Therefore, we recommend that you avoid visiting Ukraine, Russia and Belarus at this time. 

Can I buy MTPL for travel to Ukraine, Belarus or Russia?

Yes, it is still possible to buy MTPL insurance for travel to Ukraine, Belarus and Russia. However, please note that due to the war situation and sanctions, we may not be able to help customers in these countries the way we would like.

Casco insurance 

Is Casco insurance valid for travel to Ukraine, Belarus or Russia under normal terms and conditions?

A currently valid Casco insurance contract remains in force in accordance with the terms and conditions of the contract, however, due to the war situation and sanctions, we may not be able to help customers in these countries the way we would like. 

The insurance does not cover losses caused due to the war in Ukraine.  

In addition, we would like to point out that in the current situation vehicles with European Union number plates could be the target of an attack in Belarus and Russia. For this reason, we ask our customers to refrain from visiting Belarus and Russia at this time.  

Can I buy Casco insurance for travel to Ukraine, Belarus or Russia?

From 28 February 2022, If does not issue Casco policies for travel to Ukraine, Belarus or Russia.

Personal accident insurance

Is personal accident insurance still valid in Ukraine, Russia and Belarus?

Previously issued policies that cover the territories of Ukraine, Russia and Belarus are still valid, however, please note that according to the personal accident insurance rules, there is no insurance cover in Ukraine due to the war taking place there. We also urge customers to refrain from traveling to Russia and Belarus if possible, as due to the military conflict the risks have changed significantly.

Can I buy personal accident insurance that will be valid in Ukraine, Russia and Belarus?

Starting from 14 March 2022, If no longer issues personal accident insurance policies that are valid in Russia, Belarus or Ukraine.

Goods in transit insurance

Is goods in transit insurance still valid in Ukraine, Russia and Belarus?

Yes, a currently valid insurance contract will remain in force in accordance with the terms and conditions of the contract, however, due to the war conflict and sanctions, we may not be able to help customers in these countries the way we would like. 

The insurance does not cover losses caused due to the war in Ukraine. 

In addition, we would like to point out that in the current situation vehicles with European Union number plates could be the target of an attack in Belarus and Russia. For this reason, we ask our customers to refrain from visiting Belarus and Russia at this time. 

Can I buy goods in transit insurance for travel to Ukraine, Belarus or Russia?

Starting from 28 February 2022, If does not conclude new or extend existing goods in transit insurance contracts for goods in transit, origin or destination of which is in Russia or Belarus, or which will pass through these countries.

Company property and liability insurance

Is a company property and liability insurance contract valid in Ukraine, Russia and Belarus as well?

Currently valid insurance contracts will remain in force in accordance with the current terms and conditions. However, please note that due to the war situation and sanctions, we may not be able to help customers in these countries the way we would like.

Is it possible to conclude a company property and liability insurance contract which would be valid in Ukraine, Russia and Belarus as well?

Starting from 28 February 2022 If does not conclude new or extend existing company property and liability insurance contracts in Russia, Belarus and Ukraine.