Despite a careful driving style and adherence to safety requirements, any driver may find themselves involved in a traffic accident. It is for this reason that motor third party liability insurance, which is regulated by the Traffic Act, is mandatory for all vehicles operated in traffic.
As of 1 January 2015, you no longer have to contact the offender’s insurance provider; instead, as our client, you can contact Seesam directly for loss adjustment.
By purchasing motor third party liability insurance it is possible to choose between two different contract types – an “automatically extended contract” or a “single contract”.
- An “Automatically Extended Contract” is the most convenient option for the client – the price is affordable and the contract is automatically extended, meaning that there is no need for you to remember the term of validity of your agreement. With this contract type there is no risk that if the policyholder forgets to extend the contract, the vehicle will be left without valid motor third party liability insurance. Prior to the expiry of the previous contract, Seesam shall send the client a new invoice, upon payment of which a new policy shall be issued.
- A “Single Contract" is suitable for vehicles which are not operated in traffic year-round. The contract is not extended automatically, and upon expiry of the contract the client is able to decide on whether to extend the insurance contract or not. The invoice for the new period will be issued if the person notifies Seesam’s sales representative via telephone or e-mail about their wish to extend the contract. A vehicle may not be operated in traffic during a period when it is not covered by a valid motor third party liability insurance contract.
When driving in Estonia, carrying a paper copy of the insurance policy is not necessary, since the validity of insurance coverage will be checked from a motor third party liability insurance register.
When moving about within the European Union, you must carry a copy of your insurance contract with you. A green card is necessary when travelling outside of the European Economic Area.
The validity of motor third party liability insurance and the history of own damage can be checked here. To check motor third party liability insurance cover for a vehicle, the vehicles registration plate or contract number must be entered, along with the date and scope of application. Information will be displayed in response to the query, regarding the period for which the last contract is valid, the scope of application of the contract and a notice regarding whether the contract is in force.
Motor third party liability insurance is valid in:
- Countries of the European Economic Area (including the European Union) and Switzerland
- outside of the European Economic Area in other Green Card countries, also in Russia
Within European Union Member States, Norway, Iceland, Switzerland and Serbia the motor third party liability contract is a valid document and the green card is not required. When travelling in other countries of the Green Card system, the green card must be with you.