motorisiin

Motorisiin is a digital platform developed by the Estonian Ministry of Finance to streamline the issuance and management of motor vehicle insurance. Launched in 2017 as part of Estonia’s e-government initiatives, the system centralises all motor insurance records on a secure, cloud‑based infrastructure. Motorisiin enables insurers to submit new policies, renewals and updates directly to the database, eliminating paper forms and reducing administrative overhead.

The platform links to the existing Estonian Vehicle Registration System (ERVS), ensuring that vehicle ownership, registration and insurance status are synchronised in real time. When a vehicle is registered or transferred, the change is automatically propagated to Motorisiin, which then prompts insurers to adjust coverage or file claims. Motorisiin also supports electronic signatures, allowing insurers and policyholders to complete transactions without physical documents.

Motorisiin’s key functions include electronic claim initiation, digital proof of coverage, and a public API that third‑party services can use to verify insurance status. The API is widely used by navigation apps and traffic enforcement agencies to check whether a vehicle is insured at the moment of a call of the police or a toll collection event. In addition, Motorisiin can automatically notify vehicle owners of impending policy expirations.

The platform is built on Estonia’s X-Road interoperability framework, which guarantees data integrity and privacy. Access to Motorisiin is regulated by the Personal Data Act and the Insurance Act, ensuring that only authorised entities can retrieve sensitive information. As of 2025, Motorisiin processes over 4 million insurance records annually and is a cornerstone of Estonia’s digital public services strategy.