Lovable rascal insurance

In cases like this, you can rely on insurance to cover any property damage that you, your child or your pet might cause to third parties.

Electronic devices break

Damage to electronics, smart devices or other valuable items.

Damage to someone else’s property

Drawing on school or store walls, breaking windows, smart boards, sports equipment, etc.

Accident with a personal light electric vehicle

Hitting someone else’s car or a pedestrian with a scooter.

Getting hurt when playing

There is an accident in a playground, at school or on the street that ends up harming someone’s health.

Every child is a little bit of a rascal

Children are all about fun and games and sometimes things get a little out of hand. Having insurance means not having to be concerned with any mishaps.

It happens to adults too

It is great to visit friends, but even with the best of intentions, things can break, malfunction or fall over.

Pets acting up

If your over-zealous dog chews up a valuable object in a stranger’s home or causes harms to another dog in a public area, the damage is covered.

Picking up speed on the scooter

If you end up going too fast, you will soon have to face the consequences. In this case, insurance covers damage caused to the health or property of others.

A unique solution on the Estonian market that alleviates the consequences of your and your dependants’ misadventures abroad.

Helps in case of unexpected events
Mistakes happen to everyone and everywhere, and clumsiness only accounts for some such cases.
Valid all over the world
Incidents suffered by third parties while travelling are also covered.
Less stress about mischievous children
Cover applies to “children” under 21 in your care.
Solves accidents caused by the elderly
Covers any incidents caused by elderly people in your care.
Protection for lessees
Insurance is here to help if the lessee damages the property in their leased property.
Covers damage caused by a personal light electric vehicle
Covers damage to the property or health of others while riding a personal light electric vehicle or a bicycle.

Enjoy peace of mind for just €2 per month

Children's playground mishaps end up costing over a thousand euros

While cycling to school, a child damaged the side mirror of a car parked outside the school. The damage was estimated at EUR 1,400. Another example is that of a child who accidentally smashed the laptop of a family they were visiting, causing EUR 2,100 worth of damage.

Dog’s instincts caused EUR 8,700 worth of damage

A dog owner left their pet alone in their friend’s apartment for half an hour. When the friends returned from a quick trip to the store, the dog had destroyed the designer curtains hanging in the living room and the shade of an expensive floor lamp. The reason for the dog’s unpredictable behaviour was a bird that had flown into the room through the half-opened window, promptly triggering the dog’s predatory drive. The damage amounted to EUR 8,700.

Guest’s stilettos ruined host’s floor

One of the guests at a birthday party wore a new pair of heels. After the guests left, the birthday child discovered that the hardwood floor in the living room had deep scratch marks made by their friend’s new stilettos. The cost of sanding and oiling the floor was EUR 800.

Lovable rascal insurance

Covers damage caused to others during the course of everyday activities.

Lovable rascal insurance, i.e. private person's liability insurance

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Private person’s liability insurance indemnifies for damage which you are legally liable and must compensate for.

Coverage for you and your dependants

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Dependants are persons who live permanently in the same place as you. This could include your partner or spouse, child, parent or even a pet. One insurance cover for all!

Lovable rascal insurance is not linked to home insurance

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Private person’s liability insurance does not cover claims relating to the ownership or use of immovable property or any part thereof.

Inform the insurer before indemnifying

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Indemnification must be agreed with the insurer beforehand. In the event of damage, fill in a loss notice within seven days after the loss event or after becoming aware of it. A claims handler will contact you with instructions on how to proceed.

Remember to account for deductibles

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The deductible for private person’s liability insurance is EUR 100 per insured event for private individuals.

We help cover legal costs

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There is no deductible for legal costs, which are indemnified even if the claim is later discovered to be unfounded.

Traffic insurance

Casco insurance

Recreational Craft Insurance

Travel insurance

IIZI Health

Accident Insurance

Covid-19 additional protection

Home Insurance

Lovable rascal insurance

Lovable rascals mean well, but sometimes things just go wrong

Electronic devices break

Damage to someone else’s property

Accident with a personal light electric vehicle

Getting hurt when playing

Every child is a little bit of a rascal

It happens to adults too

Pets acting up

Picking up speed on the scooter

Lovable rascal insurance clears up confusion

Helps in case of unexpected events

Valid all over the world

Less stress about mischievous children

Solves accidents caused by the elderly

Protection for lessees

Covers damage caused by a personal light electric vehicle

Children's playground mishaps end up costing over a thousand euros

Dog’s instincts caused EUR 8,700 worth of damage

Guest’s stilettos ruined host’s floor

Lovable rascal insurance

Good to know