Pre-Contractual Information

The general terms and conditions applicable to the insurance contracts of BTA at the time of entry into the contract and the BTA terms and conditions applicable for specific insurance products, pre-contract information, and other documents referred to in the policy form are integral parts of the insurance contract. Please see the terms and conditions of insurance on the website of BTA: www.bta.ee. Upon entry into the insurance contract, the policyholder confirms having been granted access to the general terms and conditions and terms and conditions of insurance by the insurer, having read and accepted the terms and conditions.

The insurance contract is entered into for a specified term and the duration of the insurance period can be chosen by the policyholder. The insurance contract and the insurance cover remain valid for the duration of the insurance period specified in the policy and in the territory and for the risks specified in the policy. The insurance contract will be deemed to have been entered into from the moment of the acceptance of the offer and the rights and obligations arising from the insurance contract will enter into force on the first date of the insurance period indicated on the policy. Travel insurance contract will be deemed to have been entered into and the rights and obligations arising from the insurance contract will enter into force from the moment of full payment of the insurance premium or not earlier than twenty four hours after the insurance premium has been paid in full. The Motor Third Party Liability insurance contract will be deemed to have been entered into and the rights and obligations arising from the insurance contract will enter into force from the moment of the full payment of the insurance premium. The insurance contract will end on the last day of the insurance period.

Unless the parties agree otherwise, the pre-contract information, the terms and conditions of the contract, and other documents, as well as any information communicated during the insurance period are sent to the policyholder in Estonian language.

The insurance contract will be subject to the legislation of the Republic of Estonia.

BTA retains all insurance contracts and any personal data obtained in connection with the entry into the insurance contract up to the date of expiry of the claims arising from the insurance contract. The policyholder can read the insurance contracts entered into at any time. Read more about the principles of processing personal data on the website of BTA: https://www.bta.ee/en/about/protection-of-privacy-in-bta

Detailed description of the risks insured is provided in the BTA terms and conditions applicable for specific insurance products and the insurance covers and sums insured selected by the policyholder are specified in the policy.

The compensations for the damages caused to third parties or damages caused to the policyholder are based on the general terms and conditions of insurance contracts of BTA, the terms and conditions applicable for specific insurance products, and the documents filed with the damage claim.

The insurance premium, incl. insurance premiums for various risks insured, are specified in the offer and in the policy. No further costs arise for the policyholder when entering into a contract through the online office of BTA or by other means of communication.

For payment of the insurance premium, an invoice is filed to the policyholder by BTA. The policyholder must pay the insurance premium in the extent and by the date specified in the policy and to the bank account specified in the invoice.

Insurance premiums can be paid via the online office by using the bank link displayed in the system.

If the policyholder has failed to pay the insurance premium or the first instalment of the insurance premium within 14 days after the agreed payment date, the insurer may withdraw from the contract until receiving payment of the insurance premium. If the policyholder fails to make the payment of the second or further instalment of the insurance premium in a timely manner, an extension of at least 30 days will be granted to the policyholder for making the payment. If the insurance premium is not paid by expiry of the extended deadline, the insurance contract will be deemed cancelled. In the event of an insured event occurring prior to the payment of the first instalment of the insurance premium or after expiry of the extended deadline and the policyholder has failed to pay the insurance premium by the time of the insured event occurring, BTA will be exempted of the obligation to indemnify the damages.

A policyholder who is a consumer may withdraw from an insurance contract entered into via means of communication within 14 calendar days. The withdrawal period starts on the date of entry into the contract or on the date of presentation of relevant pre-contract information pursuant to the requirements established in the legislation, if such information is presented to the policyholder after entry into the contract.

The application for withdrawal can be accessed on the website of BTA: https://www.bta.ee/en/contacts/agreement-withdrawal

A policyholder may submit the application for withdrawal by:

1. e-mailing a signed application to BTA: katkestused@bta.ee;
2. sending a signed application to the branch of BTA by mail: Lõõtsa 2b, Tallinn 11415;
3. submitting the application at an office of BTA.

In the event of the policyholder withdrawing from the insurance contract, all payments received from the policyholder based on the insurance contract are refunded by BTA immediately, but no later than within 30 days after receiving the application for withdrawal, unless the policyholder has expressed a wish upon entry into the insurance contract for the contract to enter into force during the withdrawal period. In this case, BTA has the right to the insurance premium for the ongoing insurance period.

BTA may refuse to refund the insurance premium if an insured event has occurred during the withdrawal period and the damages caused are indemnified by BTA.

The right to withdrawal is not applied in the case of short-term insurance contract of the duration of less than 30 days.

The insurance contract can be cancelled by an agreement between the parties or in the cases provided for in the Law of Obligations Act (e.g., lack of interest in insurance, occurrence of an insured event, etc.). No administration fees or contractual penalties are applied by BTA in the case of cancellation of an insurance contract. 

Insurance contracts cannot be terminated retrospectively.

Upon termination of an insurance contract, a proportional share of the insurance premium based on the duration of the period of the insurance cover not being valid is refunded to the policyholder by BTA.

To cancel a contract, a respective application must be filed in a format which can be reproduced in writing, specifying, among other things, the basis for cancellation and the name and bank account number of the recipient of the insurance premium to be refunded.

The remuneration paid to the sales staff of BTA consist of the basic salary, sales bonuses, and a performance bonus. The amount of the basic salary depends on the qualification level of the specific position, the amount of the sales bonus depends on the number of insurance policies sold, and the mount of the performance bonus depends on achievement of the financial goals of BTA.

The Policyholder has the right to file a written and in a free form complaint about the activities of BTA by filing a complaint in BTA’s office Lõõtsa 2b, Tallinn; by sending a letter to BTA’s office at Lõõtsa 2b, 11415 Tallinn or by e-mailing BTA at bta@bta.ee. 

To settle any disputes with the insurer, the policyholder may contact a conciliation body operating by the Estonian Insurance Association (phone: 667 1800, lepitus@eksl.ee, Mustamäe tee 46, Tallinn 10621). Settling of cases with the assistance of the conciliation body is free of charge for the policyholder. The application for conciliation must be submitted and the proceedings are held in Estonian language. 

In the event the rights of the consumer are violated and if any disputes cannot be settled with BTA, the policyholder may contact the Consumer Protection and Technical Regulatory Authority by calling the advice line of 620 1707 or by submitting a request for explanations or a request for information to the Consumer Protection and Technical Regulatory Authority through the consumer service environment or by filing a complaint with the Consumer Disputes Committee. Contact details: Sõle 23a, 10614 Tallinn, info@ttja.ee

The policyholder may file a complaint regarding the activity of BTA to the Financial Supervision: Sakala 4, 15030 Tallinn.
Any disputes arising from insurance contracts, incl. disputes, which cannot be successfully settled by the conciliation body, will be settled at the Harju County Court.

The policyholder must immediately notify BTA of any insured events by using the contact details provided in the policy. In the event of an ensured event, the policyholder must act pursuant to the procedure provided for in the legislation and in the terms and conditions of the contract and, depending on the nature of the insured event, notify the Police, the Rescue Board, or other authorities conducting rescue services or investigations.