Special risks
Machinery and Watercraft

A sense of security in every situation

An individual approach


Over 20 years of experience in insurance


Wide choice of cover


Fast and reliable claims handling

Additional Information and Insurance Terms & Conditions

Specialised Machinery and Equipment Insurance is intended to insure both self-propelled machinery as well as stationary or towed equipment.
You can also insure temporary buildings at a construction site, residential and utility rooms, workshops and warehouses.

Whilst a motor insurance contract insures machines against damage when driving on public roads, machine and equipment insurance primarily covers damage at the workplace, such as construction sites, fields and forests, as an additional cover for damage to road traffic both independently and during transport.

Main risks:
Fire
Natural disasters
Illegal activities of third parties, including theft
Glass breakage
Rollover
Collision with another object

Additional risks:
Participation in road traffic
Additional costs
Accelerated repairs
Rescue costs
Insurance cover outside Estonia
Other risks depending on the nature of the technique and its use

Insurance service information document

Machinery insurance terms and conditions
Terms and conditions No. B6-01
effective as of 08.12.2009 (in estonian)

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 till 30.06.2019

Recreational Craft Insurance includes cover against risks when the recreational craft is in the water, discharged or taken out of the water, transported by a trailer or moored at the berth.
It is possible to insure any recreational craft registered in the required register of the respective country of location. In the Republic of Estonia, a recreational craft must be registered in the corresponding register of the Road Administration or the Maritime Administration. The insurance period for Recreational Craft Insurance can be from three months to one year.

We offer insurance for the following small boats:

motor boats
launches
sailboats and motor yachts
catamarans
rowing boats and canoes
kayaks
other recreational craft

Recreational Watercraft Insurance terms and conditions
Terms and conditions No. EE40
effective as of 24.04.2015

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 till 30.06.2019

Application
(in estonian)

General Liability Insurance for Recreational Watercraft Owners, such as Motor Insurance, provides insurance cover and protects against unexpected and unforeseen claims by third parties in the event of a maritime accident.

A recreational craft whose owner's liability is insured must be registered in the required register of the relevant country of location. In the Republic of Estonia, a recreational craft must be registered in the relevant register of the Road Administration or the Maritime Administration.

General liability insurance for recreational watercraft owners
Terms and conditions No. EE41
effective as of 24.04.2015

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 till 30.06.2019

Application
(in estonian)

If you own a helicopter, hot air balloon, glider or other aircraft and wish to protect yourself in the event of any unexpected accidents that may occur as a result of an accident or damage to the aircraft during take-off or landing, insure it. We have long experience in aircraft insurance; we provide the best conditions and create solutions based on your needs.

The aircraft is insured in accordance with internationally recognised aviation insurance conditions.

The insurance is valid both in the air and on the ground. The insurance indemnity is paid if, as a result of an unexpected and unforeseen event, one of the following risks materialises, which is not excluded by the insurance policy:
damage to the aircraft
destruction of the aircraft
loss of aircraft

Crop Insurance Terms and Conditions
Terms and conditions No. EE C-1
effective as of 09.09.2020.

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 till 30.06.2019

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Insured risks

We indemnify in BTA traffic damage caused by the party who has taken out motor insurance and the cost of medical treatment for third parties (owners of other vehicles, cyclists, pedestrians) and damage to property of third parties.

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