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Motor Insurance (Usage “Taxi” VS “Regular”) Explained

From the beginning of this year (2024), Inpro Insurance offers of Motor Insurance  (Casco Insurance and Traffic Insurance / TPL-Third Party Liability) will be changed in such a way that the method of taxi use is automatically determined on the offer/policy if the vehicle has had a valid taxi transport vehicle card within the last 180 days.


Motor Insurance Estonia | Inpro Insurance
Motor Insurance Estonia | Inpro Insurance

In the TPL (Third Party Liability) motor insurance offer/policy, the insurance premium calculation method of taxi use will be changed, and the taxi coefficient is applied.


The confirmation rule does not apply, and the offer can be forwarded to the customer with the method of taxi use and payment.





In the Motor Comprehensive (Casco) Insurance offer/policy, the method of taxi use is determined, and the taxi coefficient and confirmation rule are applied.


Inpro Insurance Brokers will provide with best possible offers of different insurance operating in Estonia or EU, previously getting the approval of underwriter using taxi usage method.


If on the Comprehensive (Casco) or Motor TPL (Third Party Liability) insurance offer/policy it is requested by the Client to change the usage of the vehicle from

“taxi” to “regular use”, the confirmation rule applies.


If the vehicle used as a “taxi” has not had a successful change of owner, the possibility of insurance with “regular use” might not be offered to the Client.

 

Additional information:


The validity of the taxi vehicle card can be checked here: https://mtr.ttja.ee/taotluse_tulemus/eriotsing/taksokaart?_reset=1&m=122


The way the vehicle is used is not changed in the extension policy.

If the Client no longer drives a taxi, the extension policy must be changed

to “regular use”. If the vehicle has had a valid taxi vehicle card, but the owner of the vehicle has changed, the taxi usage method does not apply.


Motor Insurance Estonia | Inpro Insurance
Motor Insurance Estonia | Inpro Insurance

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