sõidukindlustuses

Sõidukindlustus refers to insurance policies designed to cover risks associated with operating a motor vehicle. In many countries, a basic form of sõidukindlustus is legally mandatory for all vehicle owners. The primary purpose of this insurance is to protect the policyholder and third parties from financial losses arising from accidents, theft, or damage to the vehicle.

There are generally two main types of sõidukindlustus. The first is liability insurance, often called 'kolmandate isikute vastutuskindlustus' or 'kohustuslik liikluskindlustus' in Estonian. This type covers damages caused to other people or their property by the insured vehicle. It does not cover damage to the insured vehicle itself. The second type is comprehensive or collision insurance, known as 'kasko' or 'omavastutuskindlustus'. This covers damage to the insured vehicle, regardless of who is at fault, and can also include coverage for theft and vandalism.

The cost of sõidukindlustus is determined by various factors. These typically include the type of vehicle, its age and value, the driver's history (e.g., previous accidents, age, driving experience), the intended use of the vehicle, and the coverage limits chosen by the policyholder. Insurers assess these risks to calculate the premium. Policyholders have the option to choose different levels of coverage and deductibles to tailor the insurance to their needs and budget.