War in Ukraine and its impact on insurance clients

[04.03.2022 :]

In accordance with Seesam General Terms and Conditions, Seesam does not indemnify losses directly or indirectly caused by war or events related thereto.

  • As of 4 March 2022, Seesam no longer provides travel insurance if the place of destination of the trip is Russia, Belarus or Ukraine. 
  • Seesam provides no cover in the territory of Ukraine, Belarus and Russia for the casco insurance policies purchased as of 4 March 2022.
  • Seesam provides no cover for the personal accident insurance policies purchased as of 8 March 2022 in case the accident occurs in Russia or Belarus.

We recommend avoiding higher risk regions such as Ukraine, Belarus and Russia. The situation changes fast and, in addition to putting yourself at risk, it may also prove difficult to return to Estonia or receive assistance in these countries.

Frontier insurance for war refugees

Every vehicle must be covered by a motor insurance contract. For an unregistered vehicle in a country that is a Contracting Parties to the EEA Agreement, this may be a green card issued by the country of registration or frontier insurance from a country that is a Contracting Party to the EEA Agreement. For example, in order to drive in Estonia, a vehicle registered in Ukraine must have a green card issued in Ukraine or frontier insurance from Poland, Lithuania, Latvia, Estonia or another European Economic Area country. In order to ensure the fulfilment of the insurance obligation and to support the Ukrainian war refugees, the Estonian Motor Insurance Bureau will temporarily cover the cost of the Estonian frontier insurance premium. Read more on the page of Estonian Motor Insurance Bureau. 

Validity of the green card issued in Estonia

Green Cards issued by Estonian insurers are not valid for Russia and Belarus from June 1, 2023. 


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Insurance is provided by Compensa Vienna Insurance Group, ADB Estonian Branch, which operates under the Seesam trademark in Estonia. Before concluding policies, please read the terms and conditions at and consult an expert if needed.
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