Vehicles and equipment
Property and business
Finance and liability
Personal and welfare
IIZI Accident Assistance

IIZI Accident Assistance

The insurance broker’s service not only includes the process of entering into an insurance contract but also counselling in case of loss events.

Cyber risk assessment report

Cyber risk assessment report

Analysis of the company’s publicly accessible network systems.

Insurance for work machines

Motor insurance for unregistered work machines

Avoid unexpected claims when using work machinery.

  • Manufacturer’s speed exceeds 25 km/h
  • Manufacturer’s speed exceeds 14 km/h and weight is over 25 kg
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  • Requirement extended to work machines from 01.12.2024

    Motor insurance is now mandatory for many unregistered vehicles that previously could not be insured.

  • Threshold: over 14 km/h and 25 kg

    A work machine must be insured if its manufacturer’s speed exceeds 25 km/h, or if the speed exceeds 14 km/h and its weight is over 25 kg.

  • Closed territory may not be an exception

    If the vehicle operates in an area accessible to other people (e.g. employees, clients, partners), it is not considered a closed territory.

  • Uninsured risk remains with the company

    If insurance is missing, the company must cover damage caused to third parties from its own funds.

Liikluskindlustus töömasinatele: Liikluskindlustus on nüüd kohustuslik ka paljudele registreerimata sõidukitele, mida varem ei olnud võimalik kindlustada.

Forklift damages a client’s car

In a narrow warehouse corridor of a logistics center, a forklift reverses into a client’s car parked near the loading area. The car door and fender are heavily damaged, with repair costs reaching nearly €6,000.

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Lawn tractor damages a streetlight

A property maintenance company is mowing grass around an office building. The lawn tractor slips on wet grass and crashes into a park light post. The light is severely damaged and requires full replacement. The damage amounts to approximately €3,500.

Töömasina liikluskindlustus on nüüd kohustuslik ka paljudele registreerimata sõidukitele, mida varem ei olnud võimalik kindlustada.

Mini loader injures a person

At a construction site, a mini loader operator fails to notice a colleague moving nearby. The colleague is injured and requires hospital treatment. In such cases, claims, medical costs, and compensation can reach tens or even hundreds of thousands of euros.

Voluntary liability insurance only covers damages not included in mandatory motor insurance — recent legal changes have clearly distinguished the roles of these two.

Liikluskindlustus töömasin_Katab kahjud, kui töömasin liigub ja tekitab kahju teisele isikule või varale.

Mandatory traffic insurance

Covers damage caused when a work machine is moving and causes harm to another person or property.

Töömasina liikluskindlustus

Voluntary liability insurance

Covers damage occurring during work activities that is not covered by motor insurance.

Töömasin_liikluskindlustus

Insure your work machine(s)

Calculate the price and take out insurance conveniently online. If you have a larger fleet, contact us — we will find a suitable solution for your entire fleet.

Calculate and insure Request a quote