Comprehensive insurance or voluntary vehicle insurance indemnifies damage caused to a vehicle by you or by an unidentified person.
With Seesam’s comprehensive insurance you can choose between Casco, Supercasco and Minicasco packages.
Comprehensive insurance indemnifies damage if you have yourself caused an accident or damage has been caused to a vehicle otherwise – through a traffic accident, natural disaster, fire, theft, robbery or vandalism.
In the event of Supercasco package, the vehicle is repaired in a dealership and the same also applies to older vehicles. We offer technical fault cover for vehicles of up to 7 years of age of with the mileage of no more than 150,000 km. From among our packages you can also find a cover for your pet who travels in your vehicle.
In addition, Seesam also offers Minicasco package which provides your vehicle with main covers such as a traffic accident, towing services and Autoabi.
Traffic accident | |||
Unexpected and sudden contact event outside the vehicle | |||
Fire | |||
Vandalism | |||
Theft or robbery | |||
Natural disaster |
Emergency road service insurance | |||
Insurance of towing costs | Limit 800 € | Limit 800 € | Limit 2000 € |
New value insurance | |||
Lease value insurance | |||
Parts subject to special premium | Limit 800 € | Limit 1500 € | |
Technical failure insurance | |||
Lease payment insurance | |||
Extended cover of natural disaster | |||
Key insurance |
Window Insurance | |||
Additional indemnity in the case of complete destruction | Additional indemnity +5% | ||
Passenger accident insurance | Additional premium | ||
Replacement vehicle insurance | Additional premium | Additional premium | |
Luggage and pet insurance | Additional premium | Additional premium | |
Replacement trailer insurance | Additional premium | Additional premium | |
Insurance with VAT | Additional premium | Additional premium | Additional premium |
Deductible (minimum) | 220 € | 220 € | 125 € |
Deductible for theft | 15% | 10% | |
Deductible for glass damage in Estonia, Latvia, Lithuania | 0 € | 0 € | |
Wild animal and livestock insurance | 0 € | 0 € |
NB! Seesam always urges to carefully read all exclusions listed in the terms. Exclusions are cases where the damage is not compensated. If there are doubts about what is insured and to what extent, it is advisable to contact our specialist who will explain the conditions.
To ensure more comprehensive insurance coverage, it is practical to choose additional insurance options to complement the basic package.
Window insurance indemnifies glass damage resulting from the breakage of passenger compartment glass. The cost of applied window tinting will also be indemnified along with the glass. In the case of additional window insurance one can choose between two deductible types – EUR 0 or 10% of the amount of damage. If window insurance is not selected as additional insurance cover for the package, window damages will still be covered, although in the case of damage the base deductible will be applied.
Replacement vehicle insurance is important to ensure that the life of a person who moves about primarily by car does not stop. If the vehicle is incapable of moving or is currently being repaired, a replacement vehicle will be placed at the disposal of the insured person for that period. Seesam’s cooperation partner in providing a replacement vehicle is Europcar.
Vehicle passenger accident insurance It is an unavoidable fact that some traffic accidents end tragically. Even though an event cannot be changed, Seesam accident insurance will help to you to cope with the consequences. In the case of accident insurance, people who are occupants of a vehicle during an accident are insured, and in the event of their death or a permanent incapacity for work, an insurance indemnity is provided.
Luggage and pet insurance indemnifies the damage caused as a result of damage to, destruction or loss of items in the passenger compartment, luggage compartment or roof box of the insured vehicle. In addition, luggage is also deemed to be pets located in the salon or trunk of the vehicle that shall be deemed to be cats and dogs for the purposes of these terms.
Pursuant to trailer insurance, damage caused to O1 and O2 category light trailers shall be indemnified.
Window insurance is offered by Seesam to all vehicles; other mentioned additional insurance covers are only available to passenger cars and light trucks in normal use.
DriveX is a photo app with the help of which you can send an overview of your vehicle directly to Seesam. This is the software that facilitates the conclusion of a policy for both the policyholder and Seesam.
The photo app provides the user with instructions and feedback with the help of machine vision about whether the pictures are suitable and whether the vehicle meets the insurance requirements.
The Seesam Autoabi service is free to comprehensive insurance customers in Estonia as well as abroad, no deductible applies.
We remind you that in order to use the Seesam Autoabi service (including free accommodation costs), you must telephone +372 6221 333. Seesam’s free roadside assistance service will not available if you order roadside assistance using any other numbers.
Even if you know how to change a flat tyre or know that your vehicle is in perfect condition, unexpected events may occur while you are travelling and when you are least prepared.
You unexpectedly run out of fuel, a traffic accident occurs, you lock your keys in your car or your car needs towing – Seesam Autoabi gives you peace of mind that no matter what happens, fast and professional help is only a telephone call away.
What are the services offered by Seesam Autoabi?
Seesam’s cooperation partner in providing roadside assistance is RedGo EsTonia OÜ.
If you want to know how the Minicasco package differs from the Liiklus+ insurance, you can see it here.