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Motor Insurance
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Motor Insurance

Motor Insurance

Motor Insurance

In spite of a careful driving style and observing safety requirements every driver may cause a traffic accident which may result in damages to other vehicles and injuries to other people. Motor insurance indemnifies the damage incurred by the other party in order for it not to be borne by you. Motor insurance is therefore mandatory for all vehicles used in traffic and it is regulated by the Motor Insurance Act.

Types of motor third party liability insurance contracts

When buying motor insurance, it is possible to choose between two different types of contracts: an automatically renewable contract and a one-off contract.

  • An automatically renewable contract is the most convenient option – the contract is renewed automatically, thus there is no need to remember the date of expiry of your contract. In the event of this type of the contract there is no risk that your vehicle remains without a valid motor insurance cover should you forget to renew the contract. Upon automatic renewal, we send the invoice immediately with the contract. If there is no need for the renewal period, please inform us thereof before the period begins.
  • A one-off contract is suitable for all vehicles that do not participate in traffic all the year round. The contract is not renewed automatically and, upon expiry of the contract, you can yourself decide whether you want to continue the insurance contract or not. An invoice for the new period is issued if you inform a sales representative of Seesam of your request by telephone or e-mail. The vehicle may not be used in traffic during the period when it is not covered by a valid contract.

Validity of motor third party liability insurance

The validity of motor third party liability insurance can be checked here and the history of own damage can be checked here. To check motor third party liability insurance cover for a vehicle, the vehicles registration plate or contract number must be entered, along with the date and scope of application. Information will be displayed in response to the query, regarding the period for which the last contract is valid, the scope of application of the contract and a notice regarding whether the contract is in force.

Motor third party liability insurance is valid in:

  • Estonia
  • Countries of the European Economic Area (including the European Union) and Switzerland
  • outside of the European Economic Area in other Green Card countries, also in Russia

There is no need to carry a motor insurance contract on paper with you while driving in Estonia, as the existence of insurance cover is verified electronically from the motor insurance register.

Within European Union Member States, Norway, Iceland, Switzerland and Serbia the motor third party liability contract is a valid document and the green card is not required.  When travelling in other countries of the Green Card system, the green card must be with you. 

Green Card

When driving outside the European Economic Area, you should carry the green card with you to certify the validity of motor insurance abroad.

The green card, i.e. international motor insurance policy, is required in the following countries: Ukraine, Great Britain, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia and Türkiye.

The green card is printed on white paper.

  • Upon entering our self-service, you can yourself download and print out the green card if you have a valid motor insurance policy.
  • Clients of the e-shop receive the pdf file of the green card together with the other documents automatically to their e-mail.
  • If you inform us of your request here or send an e-mail to seesam@seesam.ee, we will send you a pdf document that you can print out at home.
  • If you have no opportunity to print and you inform us of your request well in advance, you can also pick up the printout from a Seesam office or we will send it by post.

Sale of car

It comes as a complete surprise for many clients that after the sale of a vehicle it is no longer possible to terminate valid motor insurance. This arises from law – along with a change in the owner, all the rights and obligations, incl. motor insurance, transfer to the new owner.

Good to know:

  • If a vehicle has already been sold and, before that, the policy has not been discontinued, the money prepaid for the unused period will transfer to the new owner.
  • If the vehicle has a new owner according to the information of the register of the Road Administration, amendments to the motor insurance policy can only be made by the new owner.
  • If you send us an application for terminating a contract, the discontinuance may take several hours and, outside working time, even longer.
  • It is recommended that the insurance prepayment be regarded as part of the selling price.