Comprehensive insurance

The insurance premium depends on the vehicle’s category, make, model, engine power, use of the vehicle and the age and region of the owner or responsible user.

Comprehensive insurance is a voluntary insurance that offers broader cover than motor insurance. Unlike motor insurance, which only covers damage caused to others, comprehensive insurance covers damage to or the loss of your own vehicle. Irrespective of who caused the damage. Comprehensive insurance covers losses caused by traffic accidents, natural disasters, vandalism, theft or other unexpected events.

In order to terminate your comprehensive insurance, send your request in writing to maakler@cooppank.ee.

The value of the vehicle is determined according to the market value, i.e. the average selling price of the vehicle in Estonia.

The insurance company may refuse to indemnify if traffic rules or safety rules have been broken, the vehicle has been used on roads not open to traffic, the wrong use has been chosen for the vehicle (e.g. a vehicle in normal use is used as a taxi), the driver was drunk at the time of the insured event, the vehicle is used for racing, etc. Damage to the vehicle that existed before the insurance contract was taken out is also not covered. Smooth claims handling requires submission of photos of the insured vehicle or a comprehensive insurance policy from a previous period.