Traffic insurance

Get car insurance conveniently from the bank

Set up automatic payments and policy renewal.
The policy is always available in the internet bank.

	Popular Get the next policy conveniently	For a fixed period
Policy period	1 - 12 months	1 day - 12 months
You will receive an offer for the next period automatically Before the policy expires, we will send you a new offer-invoice. The policy will take effect once the invoice for the next period has been settled.
Automatic insurance premiums

Traffic insurance is mandatory to all vehicles that are involved in traffic.

Traffic insurance offers protection in case Your vehicle causes damage to a third party.

In case of an accident, traffic insurance will reimburse, on your behalf, any damages caused to the environment, other vehicles, assets or injuries concerning any third persons.

Simplify your life - manage your financial and insurance matters in one place. Your insurance policy will always be accessible in Swedbank Internet Bank.

We will notify you when your policy is about to end, and send you a new offer for the next period.

You can set automatic payments and have an option to pay on a monthly, quarterly or half-year basis.

As exemption, there is no insurance obligation for a vehicle entered in the motor register within 12 months following the termination of the contract, provided that during the period the vehicle is not engaged in traffic or otherwise used as a means of transport in a manner that can cause an insured event (section 6 of the Motor Insurance Act). Using a vehicle in traffic also means parking it on the street or in a public car park.
If damage is caused by the vehicle during the period of exemption from the insurance obligation, the insurer of the last valid contract compensates the injured party for the damage, but files a recovery claim against the person subject to the insurance obligation.
If the period of exemption from the insurance obligation ends and the registered vehicle does not have a traffic insurance contract, it will be mandatorily insured.
The period of exemption from the insurance obligation ends earlier if the vehicle is permanently or temporarily deleted from the motor register or the person subject to the insurance obligation is changed in the motor register.

For more information on the exemption from the insurance obligation, please visit the website of the Estonian Motor Insurance Bureau.

Several factors influence the formation of the traffic insurance premium, such as the insurance and loss history of the responsible user or owner of the vehicle, including by presenting proof of insurance and loss history from another contracting state of the European Economic Area or Switzerland. In addition, the insurance premium is influenced by the type and technical data of the vehicle, the area of use of the vehicle (for example, whether the vehicle is used as a taxi or as a vehicle for driving practice) and the main region of use.

Are you planning to drive a vehicle, which does not need to be registered in the motor register (such as an e-scooter, snowmobile, forklift or ATV)? Note that this may also need to be insured.

Check the website of the Estonian Motor Insurance Bureau to see if there is an obligation to take out traffic insurance for this vehicle.
If it turns out that the vehicle needs traffic insurance and you want to insure it in Swedbank, contact us at 888 1513. To make an offer, we also ask you for the make/model of the vehicle, the vehicle identification number (frame number), power, designed speed, net weight.

Before travelling abroad, please make sure that your vehicles liability is also valid in those countries. When travelling abroad, it is also required to have printed version of your traffic insurance policy so you can verify the availability of your liability insurance.

Green cards issued by Swedbank P&C Insurance AS are not valid in Russia, Belarus and Iran.

You are required to have a printed green card when you travel to the following countries.

You can print out green card right in the internet bank.

Calculate the payment and conclude contract in internet bank.

Insurance cover will apply on the selected date or immediately after the contract has been confirmed. You can print out the policy in the internet bank.

We recommend that you keep a Road Accident Report form in your car, but remember that you can also report a road accident digitally.

If you are sure that it is not necessary to notify the Emergency Centre, please let us know about the incident as soon as possible by filling in a claim form via the Internet Bank or a digital Estonian Motor Insurance Bureau Road Accident Report.

After filing a claim or a digital Road Accident Report, we will give you further instructions.

In case you need to check if the other part has valid traffic insurance, please click here.

If you are not a Swedbank customer, please submit a claim by writing to us at kahjuabi@swedbank.ee. In the title, please indicate the registration numbers of the vehicles involved in the accident. If you have already completed an Estonian Motor Insurance Bureau digital Road Accident Report, you do not need to submit a separate application.

If you are the victim of a road accident, please contact a repair company to assess the damage, where the necessary pictures will be taken, an estimate will be prepared and sent to us.

Call the Emergency Centre (112) when:

people are injured;
you do not reach an agreement about who caused the accident;
you have caused damage to someone, but are unable to identify the owner of the property;
the situation includes a fire or an explosion;
environmental pollution may occur.

Free car assistance and guaranteed original spare parts for repairing cars not older than five years.

The lower the CO₂ level of the vehicle, the more favourable the leasing. Leasing rates from 1.49%.

Contacts

Swedbank P&C Insurance AS

888 1513

varakindlustus@swedbank.ee

Insurance claims handling

888 2111

Fill out claim form

In case of an insured event, please notify us as soon as possible.

A green card is required when travelling to the following countries:
Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Iran, Macedonia, Moldova, Montenegro, Morocco, Serbia, Switzerland, The United Kingdom, Tunisia, Turkey and Ukraine.

Green cards issued by Swedbank P&C Insurance AS are not valid in Russia, Belarus and Iran.

In other countries, it is recommended to have a green card. Read more

You can print out green card right in the internet bank, if you log in and open Your traffic insurance policy.

As of 1 July 2020, the green card must be printed on white paper in a single copy.

Traffic insurance

Get car insurance conveniently from the bank

Get the next policy conveniently

For a fixed period

Contacts

Insurance claims handling

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Traffic insurance

Get car insurance conveniently from the bank

Get the next policy conveniently

For a fixed period

Contacts

Insurance claims handling

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

You have been logged out from Internet bank

Contacts

Useful links

Legal information