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Loyalty Program

Loyalty Program

 

As of 1 November 2026, clause 2.1 of the loyalty programme rules concerning the accumulation of Seesam money will change. We are updating the terms to continue offering valuable benefits and new opportunities. Please take a moment to review the updated rules.

We want you to always feel confident. That is why we offer you protection for every stage of life. If you have several valid and different insurance products with us, the Seesam loyalty program rewards you with bonus money — the more insurance products you have, the more bonus money you collect.

Loyalty programme rules

Which insurance products are included in the Seesam360 loyalty program?

What is your discount?

Seesam bonus money accumulates starting from the second valid insurance contract after receipt of the insurance premium.

You can use Seesam bonus money to pay for your deductible in case of damage.

The more different insurance products you have in Seesam, the higher the percentage of bonus money you accumulate from each receipt, meaning the greater your benefits.

Examples of using a loyalty program

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An example 1

Jüri has motor vehicle insurance, now he is also buying home insurance, the annual premium of which is 900 euros.

He pays everything at once and from this he accumulates 45 euros in Seesam money (5% of the amount).

An example 2

In addition to home and accident insurance, Kaisa also takes out pet insurance, with an annual premium of 340 euros. She pays this amount in 4 installments, so Seesam's money accumulates 10% of the amount, or 8.50. When she pays the second installment, she accumulates another 8.50, now Seesam's money is already 17 euros.

By the end of the year, he has accumulated 34 euros in pet insurance.

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Frequently asked questions about the loyalty programme

What is Seesam bonus money?

Seesam money is bonus money that accumulates in a private policyholder’s virtual account and can be used to pay the excess.

 

How does Seesam bonus money accumulate?

Seesam bonus money will start to accumulate from the second valid and different insurance contract after the insurance premium is received.

 

Where can I use my bonus money?

Seesam money can be used to pay for excess in the case of loss adjustment.

 

How much bonus money can I collect?

Seesam money accumulates on receipt of the premium of the second valid and different insurance contract at the rate of 5% of the premium. 10% of the insurance premium received accumulates with three valid and different insurance contracts. If you have four or more valid and different insurance contracts in Seesam, the bonus money that accumulates when the premium is received is 15%.

 

Which policies do I have to buy to get the money?

Seesam bonus money accumulates when you buy the following insurance products: motor insurance/Liiklus+, comprehensive insurance, home insurance, accident insurance, travel insurance, small boat insurance and pet insurance.

 

Where can I see how much bonus money I have accumulated?

You can see the accumulated bonus money by logging in to Seesam’s self-service or by contacting your insurance specialist or claims adjuster.

 

How can I use the bonus money when paying the excess?

If you have accumulated Seesam bonus money, you can use it to pay your excess by filling in a claim form in self-service or by informing your claims adjuster.

 

Can Seesam bonus money also expire?

Seesam bonus money expires 24 months after the moment it is earned.