Casco Insurance

Casco Insurance

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. 

Terms and conditions Information

Insurance packages

Minicasco

Casco

Supercasco

INSURABLE RISKS
Traffic accident Included Included Included
Unexpected and sudden contact event outside the vehicle Not included Included Included
Fire Not included Included Included
Vandalism Not included Included Included
Theft or robbery Not included Included Included
Natural disaster Not included Included Included
ADDITIONAL COVER INCLUDED IN THE PACKAGE
Emergency road service insurance Included Included Included
Insurance of towing costs Included Included Included
New value insurance Not included Included Included
Lease value insurance Not included Included Included
Parts subject to special premium Not included Limit 800 € Limit 1500 €
Technical failure insurance Not included Not included Included
Lease payment insurance Not included Not included Included
Extended cover of natural disaster Not included Not included Included
Key insurance Not included Not included Included
ADDITIONAL COVER THAT CAN BE SELECTED
Window Insurance Not included Included Included
Additional indemnity in the case of complete destruction Not included Not included Additional indemnity +5%
Passenger accident insurance Not included Additional premium Included
Replacement vehicle insurance Not included Additional premium Additional premium
Luggage and pet insurance Not included Additional premium Additional premium
Replacement trailer insurance Not included Additional premium Additional premium
Insurance with VAT Additional premium Additional premium Additional premium
DEDUCTIBLE RATES
Deductible (minimum) 220 € 220 € 125 €
Deductible for theft Not included 15% 10%
Deductible for glass damage in Estonia, Latvia, Lithuania Not included 0 € 0 €
Wild animal and livestock insurance Not included 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.

Additional covers for comprehensive insurance

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.

Advantages of Seesam CASCO and SUPERCASCO

  • Child safety seats and carry cots, roof boxes, roof bars, bicycle racks, additional bumpers and steps and towing hooks mounted on the vehicle are insured with the vehicle free of charge.
  • New value coverage without a mileage limit for passenger cars and light trucks free of charge – in the event of complete destruction of the vehicle, the purchase price of a vehicle not older than 1 year will be indemnified.
  • Free emergency roadside help insurance (incl. for trailers) in the insurance territory (including free accommodation, delivery of fuel and tyre repair, if it can be done at the scene of the event).
  • Free leasing value insurance.
  • Free loading damage insurance is included in the insurance cover by default.
  • It is possible to choose insurance protection for your luggage and pet as additional cover. NB! ONLY AT SEESAM!
  • No deductible if damage has been caused by collision with a wild animal or livestock (except a bird).
  • Single basic deductible throughout Europe.
  • Damage caused only to tyres will be indemnified.
  • Repairs to motor vehicles with a valid warranty are performed with original accessories, which are covered with the manufacturer’s guarantee

SUPERCASCO package

  • Wide insurance protection – Supercasco includes technical failure insurance and vehicle passenger accident insurance by default.
  • Free lease payment insurance for up to 6 months.
  • No deductible if damage has been caused by a natural disaster and the loss exceeds EUR 1000.
  • Small deductible in case of theft and robbery of a vehicle – 10%.
  • Damage related to the destruction or loss of keys will be indemnified without deductible and up to EUR 200.
  • In the event of theft or destruction of the vehicle, possible replacement costs of the vehicle will be indemnified by adding +5% to the insurance indemnity.
  • In the event of the Supercasco package, all costs of restoration repairs in the authorised dealership are indemnified.

DriveX app for taking photos of a vehicle

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.

Seesam Autoabi

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?

  • Free assistance across Europe – the service is available in the designated area marked on your insurance policy. A client that requires assistance abroad will initially be advised via telephone and, if necessary, a local service provider from the corresponding country will be sent to render assistance.
  • Quick dispatch to the scene of the event – in bigger Estonian towns, help will arrive within 30 minutes.
  • Consultation in the event of a traffic accident – we will help you to complete the accident notice and tell you how to proceed.
  • Towing of vehicle – if there is a technical problem with your vehicle (incl. trailer) which cannot be repaired on the spot, or if it is impossible to continue driving with the vehicle for other reasons, the vehicle shall be towed to the nearest authorized representation or repair shop.
  • Transporting travellers to their destination – if the vehicle required towing, the driver and passengers will be transported to their desired destination within Estonia.
  • Bringing fuel - if you run out of fuel, sufficient fuel will be brought to enable the client to drive to the nearest filling station (cost of fuel included in price).
  • Pulling out a vehicle – if you vehicle is in a ditch, or is stuck in the snow or sand, a tow truck will be sent to help you.
  • Starting a vehicle – if your battery is dead, the vehicle will be started with the help of a special device (booster), in accordance with the requirements set forth by the dealership.
  • Tyre change – if you have a spare tyre (incl. for a trailer), the damaged tyre will be replaced on the spot with the spare tyre. If there is no spare tyre, the tyre will be taken to a repair shop for repair or the vehicle will be towed to the repair shop (free tyre repair when on-site).
  • Resolving other problems – if the alarm will not deactivate, keys have been locked in the vehicle or other technical faults arise which prevent you from continuing on your way, the solution is Seesam Autoabi service.
  • If an insured event involving roadside assistance occurs outside of the Republic of Estonia, in which if the policy holder is unable to use the vehicle as a result of the incident, reasonable accommodation expenses shall be indemnified for up to three (3) days for the driver and one passenger.

Seesam’s cooperation partner in providing roadside assistance is RedGo EsTonia OÜ.

MINICASCO package

  • Can also be purchased without Seesam motor third party liability insurance.
  • In the event of a traffic accident, it also indemnifies damage to the vehicle that caused the accident.
  • The package includes the insurance cover of Seesam Autoabi.
  • Towing costs in the event of a traffic accident up to 800€.
  • For vehicles aged 6 years and more.
  • Insurance period 12 months.
  • Deductible starting from 220€.
  • Territory of validity: Europe, excluding Russia, Ukraine, Belarus, Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova and Türkiye.

If you want to know how the Minicasco package differs from the Liiklus+ insurance, you can see it here.