Motor Third-Party Liability Insurance

Get If compulsory motor insurance conveniently online – only here do new contracts come with a 5% reduced rate from the regular price!

FREE towing service in case of an accident
Insurance possibility starting from 1 day
Convenient to buy and report the claim

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MTPL calculator

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Why to choose If MTPL for your car?

You can also pay for the insurance in installments
If necessary, you can also pay for the annual traffic insurance policy in installments, for example with semi-annual, quarterly or monthly payments.
You can get your MTPL also for 1 day
If you only need insurance for a short time, you can make a contract quickly and conveniently in the e-office and after payment you can start driving immediately.
Free towing service in case of traffic accident
The service applies to a car or van with a motor insurance policy and to a motorcycle and moped within the EU. Ordering the towing service is conveniently available 24/7 via the Insurance phone number 777 1211.

What Is Compulsory Motor Third Party Liability Insurance?

MTPL insurance is a compulsory car and vehicle insurance in Estonia, which indemnifies for damages caused to other persons or their property by your vehicle. The insurance is valid on roads, parking lots, yards, and elsewhere used for normal traffic.

Compulsory motor third party liability insurance covers damage to other people or their property caused by your car or other vehicle — MTPL insurance is your responsibility. If necessary, you can get MTPL insurance for your car or other vehicle for one day

Almost 30,000 traffic accidents occur in Estonia every year, the damages of which are compensated by MTPL insurance. Statistics show that every 10th vehicle is involved in such an accident

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Motor insurance for one day and a shorter period
Sometimes short-term MTPL insurance is required for hobby and fun trips - for example, for one (1) day, week, or summer period. If You can take out MTPL Insurance for a period that suits you - be it 1 day, 1 week, or 1 month.
Checking the validity of motor third party liability insurance
You can check the valid traffic insurance on the Estonian Motor Insurance Fund's website. If Insurance self-service allows you to check all valid insurance contracts, including MTPL. If Insurance will also send you a reminder and notification about the expiring insurance - so you can be sure that you will not drive without valid insurance.
Motor insurance is regulated by the Motor Insurance Act
Traffic insurance is compulsory for all vehicles in traffic, therefore the insurance is regulated by the Traffic Insurance Act. The Motor Insurance Act notes the main important issues that can be addressed to the policyholder.
Green card for the car
A green card, or an international motor insurance policy, is a document certifying valid traffic insurance, which may be required when driving abroad by car. As in Estonia, damages caused to fellow road users or vehicles abroad are compensated on the basis of a green card. See also green card countries and receipts.

Motor Insurance FAQ

How to make sure the validity of motor third party liability insurance? How to get insurance for one day. All about the green card and insurance policy and more.

Green card

A green card is a mandatory motor third party liability insurance valid in foreign states, which is also valid in most European countries.

Damages caused to other road users or vehicles while staying abroad are compensated on the basis of a green card. Damage to your own car shall not be compensated on the basis of a green card.

A green card must not be brought along, when travelling to the countries of the European Economic Area (including the European Union) or Switzerland, because insurance coverage is ensured there with the standard motor third party liability insurance contract.

A green card must be brought along to the countries of the green card system that are not contracting states of the European Union or the European Economic Area.

These countries are:

Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Great Britain, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Serbia, Tunisia, Turkey, Ukraine.

A green card shall be issued free of charge for the duration of validity of the standard policy.

As of 1 June 2023, the green cards issued in Estonia will no longer be valid in Russia and Belarus.

What you should know during the sale of your vehicle?

If you are selling your vehicle, then you cannot legally end your insurance contract, since it is transferred to the new owner. This means that it is reasonable to add the value of the unused insurance days to the price of the vehicle. After the re-registration of the vehicle, the new owner must amend the insurance contract as soon as possible.

If you do not use your vehicle for a while

A vehicle registered in the traffic register may remain uninsured for a maximum period of 12 months. If you do not use your vehicle for an even longer period, it might be reasonable to remove it from the traffic register, because the vehicle is subject to mandatory insurance after 12 months.

For example, if you have a motorcycle, it is sufficient to keep it insured for a short period of time once a year.

Terms and conditions

Motor third party liability insurance is regulated by the Motor Insurance Act.

Motor third party liability insurance information document (in Estonian)

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What Is Compulsory Motor Third Party Liability Insurance?