Find the right traffic insurance for you

Traffic insurance is mandatory for all registered vehicles used in traffic, including cars, motorcycles and trailers. Some unregistered vehicles, such as certain electric light vehicles and machinery, may also require insurance.

An unregistered vehicle must have traffic insurance if it is powered solely by a motor and has a design speed exceeding 25 km/h, or if its design speed exceeds 14 km/h and its weight is over 25 kg.

The basic cover is defined by law, but insurers may differ in price, additional cover and services. That’s why it’s worth comparing not only prices, but also the scope of cover and extra benefits.

When choosing insurance through IIZI, follow our recommendation. We highlight the offer that provides the best balance between price and valuable additional cover, making it easier to find the right policy.

Traffic insurance can be purchased for 1 day up to 12 months. We generally recommend an annual policy, as it is usually more cost-effective and doesn’t need frequent renewal. Short-term insurance may be suitable for seasonal motorcycles, temporary vehicles or before an inspection. f you can’t find the period you need online, contact us at info@iizi.ee. Before your policy expires, we’ll send you a new quote so you can renew it easily.

The premium depends on several factors, including the type of vehicle, technical specifications, how the vehicle is used, the insurance period, the owner or authorised user, and previous claims history.

As insurers assess risk differently, prices for the same vehicle can vary significantly. With IIZI, you can compare multiple insurers and choose the price, payment schedule and additional cover that best suit your needs.

Your insurance cover starts on the date and time specified in your policy. If you wish, you can set the policy start date in the future. You may only drive the vehicle once the insurance cover has become effective.

You can check whether your vehicle has valid traffic insurance through HERE by entering the registration number, VIN or policy number. If you purchased your policy through IIZI, you can also find your policies and their validity periods in the IIZI self-service portal and mobile app.

Traffic insurance purchased in Estonia is valid throughout the European Economic Area (EEA) and Switzerland. Outside these countries, it is valid only if the destination country is covered by the Green Card system. A Green Card serves as international proof of traffic insurance and may be required, for example, in Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Morocco, Moldova, Montenegro, North Macedonia, Serbia, the United Kingdom, Tunisia, Türkiye and Ukraine.

After purchasing your policy, we’ll provide your Green Card together with your insurance documents. You can also find it in the IIZI self-service portal and app.

Before travelling, always check whether your destination accepts your traffic insurance and whether you need to carry a Green Card.

Yes, under certain conditions. Traffic insurance is not required if the vehicle has been temporarily removed from the traffic register. A vehicle may also remain uninsured for up to 12 months after the policy expires, provided it is not used in a way that could cause an insured event.

During this period, the vehicle must not be driven or parked in a public traffic area, such as a street or public car park.

Whether traffic insurance is required depends on the scooter’s design speed and weight. Insurance is mandatory for motor-powered vehicles with a design speed exceeding 25 km/h, or exceeding 14 km/h if the vehicle weighs more than 25 kg. You can check on HERE whether your e-scooter requires insurance.

If you plan to sell your vehicle, contact us before ownership is transferred or submit a cancellation request via the IIZI self-service portal. We’ll check whether your policy can be cancelled and whether you’re entitled to a refund for the unused insurance period.

Once the change of ownership has been registered, all rights and obligations under the policy automatically transfer to the new owner, and the previous owner can no longer cancel the policy.

All valid insurance policies are available in the IIZI self-service portal and mobile app. From the app, you can purchase, renew and manage your insurance policies whenever you need, with all your insurance information always at your fingertips.

• Ensure everyone’s safety and call 112 if necessary.
• Take photos of the accident scene and the damage.
• Exchange contact details with the other party.
• Report the claim at kahjud.iizi.ee.
• If you need assistance, call us on +372 666 0300.