When participating in road traffic, every owner of a vehicle needs Motor Vehicle Owners’ Compulsory Third Party Liability Insurance or MTPL. The MTPL policy compensates losses that have been created for other individuals, for example, drivers of other vehicles, cyclists, pedestrians, passengers and their property because of the vehicle owner who has caused the traffic accident.
If you use your car only in the Baltic States, buy MTPL policy for a much better price. Buying the BTA MTPL policy on the Internet saves time and money because we offer a discount!
Motor third party liability insurance is a compulsory insurance in Estonia.
Every car registered in Estonian Traffic register must have an MTPL policy otherwise it is not allowed to participate in the traffic.
It is a third party liability insurance for vehicle holder. Insurance company compensates the material losses and medical costs in health care institutions to third parties (other car owners, cyclists, pedestrians and their proprety) who have suffered damages caused by the insured vehicle.
Submit the application form, and we will contact you to prepare an insurance offer suitable for your preferences and requirements!
Within MTPL policy, a person that has been involved in a traffic accident and has not been found guilty of causing the accident is eligible to receive compensation. These individuals can be:
Within the MTPL policy losses are compensated according to the “Traffic insurance law”.
The MTPL Standard agreement is in force in the territory of the Republic of Estonia and European Economic Area (EEA).
European Economic Area countries at this point are: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Iceland, Italy, Ireland, Cyprus, Lithuania, Liechtenstein, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Switzerland, Hungary, Germany and Sweden.
MTPL policy period can be from 1 to 12 months.
When travelling abroad, take the printout of MTPL policy with you because the Estonian MTPL policy register is not available for the traffic police of other countries, and they will not be able to ascertain the existence of your MTPL policy.
If you plan to go to Albania, Andorra, Belarus, Bosnia and Herzegovina, Iran, Israel, Serbia, Russia, Macedonia, Montenegro, Morocco, Moldova, Tunisia, Turkey or Ukraine, you will have to obtain the International Insurance Certificate or the Green Card.
The price of MTPL policy is determined taking into account various criteria, including:
BTA policies can be purchased in the following ways:
If you want to receive additional information please contact BTA Customer Support Service at 5 68 68 668 or by any other means of communication. Other means of communication can be found in the section “Contacts”.
In case accident happened in Estonia.
If someone is injured in the traffic accident, act as follows:
If nobody is injured in the traffic accident, act as follows:
In case accident happened abroad:
|MTPL insurance terms and conditions|
|Terms and conditions No. EE-16
(effective as of 01.10.2014)
|General insurance terms and conditions|
|Terms and conditions No. GC 2019.0
(effective as of 01.07.2019)
|Terms and conditions No. GC-2012
(effective as of 01.12.2011)
|Traffic insurance law|
|Traffic insurance law
(effective as of 01.01.2015)
|Roadside assistance terms and conditions|
|Terms and conditions No. EE-15
(effective as of 01.10.2014) in estonian