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  1. Private customers
  2. Car leasing
  3. Vehicle insurance requirements

Casco insurance requirements

for customers of SIA Citadele Leasing Eesti filiaal and Citadele Factoring OÜ.

Owner of the insured object

SIA Citadele Leasing Eesti filiaal (registration No. 11453650).

Insured sum

Market value of the insured object (leasing object).

Duration of the insurance agreement

Duration of the leasing agreement.

Insured risks

Damage, destruction, fire, natural disasters, lightning strike, unlawful actions of third persons (theft, robbery, entry (intrusion)), road traffic accidents – if the object participates in road traffic.

Approved insurers

  • AS LHV Kindlustus
  • ERGO Insurance SE
  • If P&C Insurance AS
  • Salva Kindlustuse AS
  • Compensa Vienna Insurance Group, ADB Eesti filiaal
  • Swedbank P&C Insurance AS
  • AAS BTA Baltic Insurance Company Eesti filiaal
  • AB 'Lietuvos draudimas' Eesti filiaal (PZU) or any other insurer operating in Estonia
  • Akciné draudimo bendrové `Gjensidige` Eesti filiaal
  • or another company on which an individual agreement has been reached with OÜ Citadele Factoring or SIA Citadele Leasing Estonian branch.

Deductible

The deductible of the insured or the policyholder in case of theft, robbery or total loss of the leased asset must not exceed 15% of the market value of the leased asset. In case of damages, the applicable deductible must not exceed the maximum permitted limits specified below, depending on the type of the leased object.

Lease object type Deductible
Passenger car and other vehicles (up to 3.5 t) 500 EUR
Vehicles (more than 3.5 t), tractors, trailers, semi‑trailers, industrial and other leasing objects / market value up to 100 000 EUR 1000 EUR
Vehicles (more than 3.5 t), tractors, trailers, semi‑trailers, industrial and other leasing objects / market value over 100 000 EUR 2000 EUR
Lease object type Deductible
Passenger car and other vehicles (up to 3.5 t) 500 EUR
Vehicles (more than 3.5 t), tractors, trailers, semi‑trailers, industrial and other leasing objects / market value up to 100 000 EUR 1000 EUR
Vehicles (more than 3.5 t), tractors, trailers, semi‑trailers, industrial and other leasing objects / market value over 100 000 EUR 2000 EUR