The BTA general terms and conditions applicable at the time of entry into the contract and the BTA terms and conditions applicable to the relevant insurance service, the pre-contractual information and other documents referred to in the policy are integral parts of the insurance contract. Please read the BTA general terms and conditions and the terms and conditions applicable to the relevant insurance service on the BTA website. Upon entry into the insurance contract, the policyholder represents and warrants that they have been granted access to the general terms and conditions and the terms and conditions applicable to the relevant insurance service by the insurer and they have read and accepted them.
The insurance contract is entered into for a specified or unspecified term and the policyholder can choose the duration of the insurance period. 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 in relation to the risks specified in the policy. The insurance contract is deemed to have been entered into from the moment of 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 in the policy. A travel insurance contract is 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 at least 24 hours after the insurance premium has been paid in full. A Motor Third Party Liability insurance contract is 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 first insurance premium. The insurance contract will expire on the last day of the insurance period.
Unless the parties agree otherwise, the pre-contractual information, the terms and conditions of the contract and other documents as well as any information communicated during the insurance period are provided to the policyholder in Estonian.
The insurance contract is subject to the laws of the Republic of Estonia.
BTA retains all insurance contracts and any personal data obtained in connection with entry into the insurance contract up to the date of expiry of any claims arising from the insurance contract. The policyholder can access the insurance contracts entered into at any time. Read more about the principles of personal data processing 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 insurance premium, incl. insurance premiums for various risks insured, are specified in the offer and the policy. The policyholder does not incur any additional costs when entering into a contract through the online office of BTA or by other means of communication.
BTA shall issue an invoice to the policyholder for the payment of the insurance premium. 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 BTA online office using the bank link displayed in the system.
If the policyholder fails to pay the insurance premium or the first instalment of the insurance premium within 14 days of the agreed payment date, the insurer may withdraw from the contract until the insurance premium is paid. If the policyholder fails to pay the second or any subsequent premium instalment on time, the insurer can, in a format that can be reproduced in writing, set for the policyholder an additional payment term of at least two weeks or, in the case of building insurance, at least one month. If the insurance premium is not paid by the additional deadline, the insurance contract is deemed cancelled.
If the insurance premium or the first instalment which has fallen due has not been paid by the time of the occurrence of an insured event, the insurer is released from their obligation to perform the contract. If an insured event occurs after the additional deadline and the policyholder has not paid the insurance premium by the time of occurrence of the insured event, BTA shall be released from the indemnification obligation.
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 the relevant pre-contractual information provided by legislation if such information is presented to the policyholder after entry into the contract.
The withdrawal application is available on the BTA website.
The policyholder can submit a withdrawal application by:
sending a signed withdrawal application to BTA e-mail address email@example.com;
sending a signed withdrawal application to the postal address of the BTA branch Lõõtsa 2b, Tallinn 11415;
submitting a withdrawal application at a BTA branch.
In the event that the policyholder withdraws 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 of 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 such a 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 damage caused is indemnified by BTA.
The right to withdrawal is not applied in the case of short-term insurance contracts with a duration of less than 30 days.
The insurance contract can be terminated by agreement between the parties or in the cases provided for in the Law of Obligations Act (lack of interest in insurance, occurrence of an insured event, etc.). Insurance contracts cannot be terminated retroactively.
Upon termination of an insurance contract, BTA has the right to the insurance premium for the ongoing insurance period. BTA will refund the insurance premium paid for the time remaining until the end of the insurance period to the policyholder, unless the insured object has been destroyed and BTA has paid out the insurance indemnity from which the insurer’s management expenses or 15% (fifteen percent) of the annual insurance premium have been subtracted.
To cancel a contract, a respective application must be filed in a format that 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 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.
The policyholder has the right to file a written free-form complaint about the activities of BTA in the BTA branch at Lõõtsa 2b, Tallinn, by sending a letter to the BTA branch at Lõõtsa 2b, 11415 Tallinn or by e-mailing BTA at firstname.lastname@example.org.
The insured person has the right to address the conciliation body operating at the Estonian Insurance Association for resolution of disputes with the insurer (tel. +372 6 67 18 00, email@example.com, Mustamäe tee 46, Tallinn 10621). Settling 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 held in Estonian.
If the rights of the consumer are violated and disputes cannot be settled with BTA, the policyholder may contact the Consumer Protection and Technical Regulatory Authority by calling the helpline +372 6 20 17 07 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, firstname.lastname@example.org.
In the event of violations of the rights of the data subject arising from the General Data Protection Regulation, you can contact the BTA Data Protection Officer at email@example.com or the Data Protection Inspectorate at Tatari 39, Tallinn 10134, by calling their helpline +372 5 62 02 341 or by sending an e-mail to firstname.lastname@example.org.
The policyholder shall be entitled to file a complaint regarding the activity of BTA to the Financial Supervision Authority (Sakala 4, 15030 Tallinn).
Any disputes arising from insurance contracts, including disputes in relation to which no agreement has been reached at an insurance conciliation body, shall 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.