The insurance contract consists of the BTA general terms and conditions and the specific terms and conditions applicable to the relevant insurance service, as well as pre-contractual information and other documents referenced in the insurance policy. All applicable terms and conditions are available to be viewed on the BTA website. By entering into the insurance contract, the policyholder confirms that the insurer has made the general terms and the specific terms applicable to the insurance service selected available to the policyholder, the policyholder has reviewed and accepted them.
The insurance contract is typically concluded for a fixed term, usually one year, although in certain cases it may be for unspecified term. The insurance contract and the insurance cover are valid during the insurance period specified in the policy and within the scope of the insured object, territory, and risks defined in the policy. The contract enters into force once the client accepts the insurance offer, and the rights and obligations begin on the start date indicated in the policy.
In case of specific types of insurance:
• Travel insurance becomes effective after the full payment of the insurance premium in accordance with the travel insurance terms.
• Motor third-party liability insurance becomes effective at the time of full payment of the premium or its first installment and remains valid until the end of the insurance period stated in the policy.
All pre-contractual information, contract terms, and further information during the validity of the insurance contract are provided in Estonian unless otherwise agreed by the parties.
The insruance contract is governed by the laws of the Republic of Estonia.
BTA retains insurance contracts and personal data obtained during the conclusion and execution of the contract until the expiry of the limitation period for any claims arising from the contract. The policyholder can access their insurance contracts at any time via the BTA self-service or by contacting BTA. More detailed information on personal data processing is available on the BTA website.
A detailed description of the risks insured is provided in the BTA terms and conditions applicable to the relevant insurance service. The insurance covers and sums insured selected by the policyholder are specified in the policy.
Any damage caused to a third person or the policyholder is indemnified in accordance with the BTA general terms and conditions, the BTA terms and conditions applicable to the relevant insurance service, documents filed with the damage claim and evidence collected during loss adjustment.
The amount of the insurance premium, including any amounts related to specific insured risks, is specified in both the insurance offer and the policy. No additional charges apply to the policyholder when concluding the contract via BTA’s self-service or other communication channels.
BTA will issue an invoice to the policyholder for the insurance premium. The policyholder must pay the premium to the account specified on the invoice, in the amount and by the due date stated in the policy. Payment can also be made via BTA’s self-service portal, through a payment link sent by email, or via a standing e-invoice agreement. In the self-service portal, payment is made via a secure bank link displayed in the system.
If the policyholder fails to pay the premium or the first installment within 14 days of the agreed due date, the insurer has the right to withdraw from the contract until the payment is made. If subsequent premiums are not paid on time, the insurer may set an additional deadline in a format that allows written reproduction: at least two weeks, or at least one month for property insurance. If the premium is not paid within this additional period, the contract is considered terminated.
If a due premium or the first installment remains unpaid at the time of an insured event, the insurer is released from its obligation to perform. If the insurer has set an additional deadline for payment of the insurance premium and the insured event occurs after the expiration of this term without the policyholder having paid the insurance premium by the time the insured event occurs, the insurer is released from its obligation to perform, unless the failure to pay the insurance premium occurred due to a circumstance not attributable to the policyholder.
A policyholder who is a consumer has the right to withdraw from an insurance contract concluded via means of distance communication within 14 calendar days. The withdrawal period begins on the date the contract is concluded or from the date the pre-contractual information, as required by law, is provided to the policyholder, if it is delivered after entry into the contract.
The withdrawal application form is available on the BTA website.
The policyholder may submit a withdrawal application by:
1. Sending the withdrawal application via email to katkestused@bta.ee;
2. Mailing the withdrawal application to BTA's branch at Lõõtsa 2b, Tallinn 11415.
Upon withdrawal, BTA will refund all payments received under the contract as soon as possible, but no later than 30 days after receiving the withdrawal application. If the policyholder has agreed that the insurance cover begins during the withdrawal period, BTA is entitled to retain the premium amount corresponding to the period the cover was active.
If during the withdrawal period an insured event occurs and BTA provides compensation, BTA may refuse to refund the insurance premium.
The right of withdrawal does not apply to insurance contracts with a duration of less than 30 days.
A motor third party liability insurance policy can be terminated by the policyholder or the new person subject to the insurance obligation. For example, if a vehicle is sold and officially transferred to a new owner in the motor register, the former owner can no longer terminate the policy, as all rights and obligations transfer immediately to the new owner. Once the ownership transfer is registered, the new owner can conclude a new motor insurance contract, which automatically terminates the previous one.
An insurance contract may be terminated by mutual agreement or in cases specified in the Law of Obligations Act (e.g., lack of insurable interest, occurrence of an insured event, etc.). The contract cannot be terminated retroactively.
In the event of termination, BTA is entitled to receive the insurance premium for the current insurance period. The policyholder will be refunded the portion of the premium corresponding to the unused period until the end of the insurance period, unless the insured object has been destroyed and BTA has paid out compensation. BTA reserves the right to deduct administrative expenses, amounting to 15% of the annual premium, from the refund.
To terminate the contract, the policyholder must submit an application in a form reproducible in writing, indicating the reason for termination, the name and bank account number of the refund recipient.
The remuneration paid to the sales employees of BTA consists 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 on the number of insurance policies sold and the amount of the performance bonus upon achievement of the financial goals of BTA.
A complaint regarding BTA's activities can be submitted via the Suggestions and Complaints Form available on the BTA website or by email to bta@bta.ee. Complaints may also be submitted by post or in person at BTA’s office: Lõõtsa 2b, 11415 Tallinn.
If the policyholder, the insured person, or the beneficiary has a dispute with the insurer, they have the right to contact the Insurance Conciliation Body operating under the Estonian Insurance Association. The conciliation procedure is free of charge for the policyholder and is conducted in Estonian.
Contact information:
+372 667 1800
lepitus@eksl.ee
Mustamäe tee 46, Tallinn 10621
If the dispute cannot be resolved or involves a violation of consumer rights, the policyholder may contact the Consumer Protection and Technical Regulatory Authority. Advice is available by phone at +372 620 1707, and complaints can be submitted via the Authority’s consumer portal.
Contact information:
info@ttja.ee
Endla 10A, 10122 Tallinn
If the rights of a natural person have been violated under the General Data Protection Regulation (GDPR), it is possible to contact:
BTA’s Data Protection Officer: andmekaitse@bta.ee
Data Protection Inspectorate: +372 5620 2341, info@aki.ee, Tatari 39, Tallinn 10134
The policyholder also has the right to file a complaint about BTA's activities with the Financial Supervision Authority.
Contact information:
+372 668 0500
info@fi.ee
Sakala 4, 15030 Tallinn
If a dispute arising from the insurance contract cannot be resolved through the Insurance Conciliation Body, it will be settled in Harju County Court.
The policyholder must immediately notify BTA of any insured events using the contact details provided in the policy. In the event of an insured event, the policyholder must act pursuant to the procedure provided for by legislation and 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.
