Accident insurance together with motor TPL insurance

Mandatory motor TPL insurance does not indemnify the health damage of a driver causing the traffic accident; it only indemnifies the medical costs incurred to the medical institution due to the treatment of the driver.

Salva’s accident insurance together with motor TPL insurance is a unique product in Estonian insurance market, offering a tangible sense of security to the driver causing the traffic accident.

Accident insurance cover for the driver causing the traffic accident can only be purchased together with the motor TPL insurance cover. 

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Why Salva?

Quick and flexible contract conclusion. You can conclude the contract together with motor TPL insurance in any sales facility across Estonia or through Internet

Favourable price. It costs only 5 EUR to add the accident insurance cover to the motor TPL insurance policy, and the price does not depend on the period of insurance.

Protection for the person causing the accident. Salva’s accident insurance together with motor TPL insurance is offering a tangible sense of security to the driver causing the traffic accident. Losses incurred to the driver causing the traffic accident are not indemnified pursuant to the Motor Insurance Act. See the terms and conditions here.

Losses are indemnified to the driver or his/her relatives. If a person has purchased an accident insurance cover from Salva together with the motor TPL insurance policy, Salva pays a permanent disability benefit to the driver or a death benefit to his/her relatives in case of the occurrence of a traffic accident. Indemnification limit for both permanent disability and death shall be EUR 6,500. See for additional information here.

Protection in case of various traffic accidents. Benefits are paid even in case of a collision with an animal or a tree or a fence and also when driving off the road.

Insurance protection also in case of partial fault. Insurance cover is valid even if the driver is only partially responsible for the occurrence of accident.

FAQ

Why is the accident insurance cover necessary, if motor TPL insurance is mandatory for all vehicle owners?

Mandatory motor TPL insurance does not compensate the losses of the driver causing the accident. According to legislation, costs related to the treatment of the person at fault are compensated to the medical institution, but the driver receives no compensation. There is no compensation foreseen e.g. for his/her rehabilitation, medicinal products, etc. If an accident insurance cover for the driver has been added to the motor TPL insurance policy, Salva pays a permanent disability or death benefit for up to 6,500 EUR to the driver causing the traffic accident (or to his/her relatives). 

For whom is the accident insurance designed?

Accident insurance is designed for all customers who conclude or have concluded a motor TPL insurance policy with Salva.

Is the insurance linked to a specific person?

Insurance policy does not specify the name of the insured person. Insured person is the driver who causes a traffic accident with a vehicle that has a valid motor TPL insurance policy together with the accident insurance cover from Salva.

Which losses are compensated by accident insurance?

Compensation is paid, if the driver who caused the accident was injured or died as a result of the accident. Compensation for permanent disability is paid, if permanent health problems occur as a result of the accident. Compensation for permanent disability is paid once per accident as a percentage of the agreed indemnification limit for permanent disability. Death benefit is paid to the heirs of the driver, if the driver who caused the accident died during the accident or in a year after the accident. Compensation principles, indemnification limits and exclusions are provided in detail in terms and conditions here.