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Insurance

Protect your property and electrical appliances!

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Electrical Appliances Plus Insurance


Your electrical equipment is insured against damage caused by lightning, electrical failure or overload.

More about the insurance »

Rate (month)

1.99 €



First two months for free
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The sum of your excess

50 €

Fire Insurance


Your home is insured
against damage caused by fire.

More about the insurance »

Rate (month)

2.99 €



First two months for free

The sum of your excess

0 €

Electrical Appliances and Fire Insurance


Your electrical equipment is insured against damage caused by lightning, electrical failure or overload, as well as against damage caused by fire.

More about the insurance »


Buy two insurance policies in one and get a 10% discount

Rate (month)

4.49 €



First two months for free

The sum of your excess

in the case of fire 0 €

in the case of damage 50 €

Eesti Energia's insurance solution consists of insurance contracts concluded between Eesti Energia and If P&C Insurance AS (electrical equipment insurance) and the Estonian branch of AAS BTA Baltic Insurance Company (fire insurance), where Eesti Energia is the policyholder and customers of Eesti Energia's electricity or gas consumption contracts are the insured persons.

It's easy to get and only takes a few minutes, just as easy as making changes to your package.

Choose the right insurance package

Fill in the order form and press the CONFIRM AND BUY button

The insurance cover will take effect immediately


Buy

Electrical Appliances Insurance Plus

The insurance covers the sudden and unexpected failure of electrical appliances due to an external event (e.g. lightning, short circuit, overload, overvoltage or undervoltage). In addition, the insurance covers the cost of fault detection in the damaged electrical appliances and of an electrician's visit, as well as the cost of repairs to your home's electrical system (wiring, sockets, fuses, switchboards, junction boxes, etc).


APPLIANCES

The total sum insured

2 000 €

per insured event

WORK OF A TECHNICIAN

The total sum insured

200 €

per insured event

The sum of your excess

In the case of damage to your electrical appliances  50 €

In the case of electrician outing  0 €

The number of insured events per year is not limited Join Join Terms and conditions

Fire Insurance

Fire Insurance provides you with compensation of up to €10,000 to cover the cost of restoring your apartment, house, summer cottage or other residential building if a fire has damaged its:

  • load-bearing structures (walls, floors, stairs, roof);
  • interior finishing, built-in furniture, sanitary ware;
  • heating and gas installations;
  • electrical system or the built-in alarm, communication and sound system;
  • stove or fireplace.
  • If you have home insurance, our Fire Insurance will also cover:

  • reasonable medical expenses for you and your family members if you suffer from a health problem resulting from a fire, which is not compensated by conventional health insurance;
  • loss of income for up to 60 days if you or your family members are incapacitated for work as a result of a personal injury caused by a fire;
  • claims made against you by third parties arising from your legal liability in relation to the occurrence of the fire;
  • rental costs for up to four months to the value of €500 per month if your home has become uninhabitable.
  • Join Join Terms and conditions

    The sum of your excess

    0 €

    FAST PAYMENT

    within three working days

    2 000 €

    to cover initial expenses

    The number of insured events per year is not limited

    Electrical Appliances and Fire Insurance

    The Electrical Appliances and Fire Insurance covers unexpected losses due to damage to your electrical appliances or electrical system, and damage to your home caused by a fire.

    Fire Insurance provides you with compensation of up to €10,000 to cover the cost of restoring your apartment, house, summer cottage or other residential building if a fire has damaged its:

  • load-bearing structures (walls, floors, stairs, roof);
  • interior finishing, built-in furniture, sanitary ware;
  • heating and gas installations;
  • electrical system or the built-in alarm, communication and sound system;
  • stove or fireplace.
  • Electrical Appliances Insurance covers the sudden and unexpected failure of electrical appliances due to an external event (e.g. lightning, short circuit, overload, overvoltage or undervoltage). In addition, the insurance covers the cost of fault detection in the damaged electrical appliances and of an electrician's visit, as well as the cost of repairs to your home's electrical system (wiring, sockets, fuses, switchboards, junction boxes, etc).

    Electrical appliances and failures

    The total insurance cover

    2 000 €

    per insured event

    WORK OF A TECHNICIAN

    The total sum insured

    200 €

    per insured event

    IN CASE OF FIRE

    The insurance covers up to

    10 000 €

    per insured event

    FAST PAYMENT

    within three working days

    2 000 €

    to cover initial expenses


    The sum of your excess

    In the case of damage to your electrical appliances or electrical failure  50 €

    In the case of electrician outing  0 €

    In the case of fire  0 €

    The number of insured events per year is not limited

    If you have home insurance, our Electrical Appliances and Fire Insurance will also cover:

  • reasonable medical expenses for you and your family members if you suffer from a health problem resulting from a fire, which is not compensated by conventional health insurance;
  • loss of income for up to 60 days if you or your family members are incapacitated for work as a result of a personal injury caused by a fire;
  • claims made against you by third parties arising from your legal liability in relation to the occurrence of the fire;
  • rental costs for up to four months to the value of €500 per month if your home has become uninhabitable.
  • Join Join Terms and conditions

    The insurance solution by Eesti Energia is a perfect addition your existing home insurance

    You have many valuable electrical appliances in your home or summer cottage that you wish to insure against damage
    You need additional security that is not covered by your home insurance terms or limits
    You need extra protection that covers additional costs related to property, health and income loss
    You wish to insure yourself against the failure of your home electrical system on reasonable terms

    Which household electrical appliances are covered by insurance?

    TV
    TV
    Router
    Router
    Set-top box
    Set-top box
    Game console
    Game console
    Home theater and sound system
    Home theater and sound system
    Computer
    Computer
    Laptop
    Laptop
    Tablet
    Tablet
    Smartphone
    Smartphone
    Desk phone
    Desk phone
    Washing machine
    Washing machine
    Dishwasher
    Dishwasher
    Stove
    Stove
    Refrigerator
    Refrigerator
    Fire and security alarm equipment
    Fire and security alarm equipment
    Electric heating and ventilation equipment
    Electric heating and ventilation equipment
    Other heating equipment
    Other heating equipment
    Electrical installation
    Electrical installation
    (wires, plugs, junction boxes)

    Examples of cases where our insurance helped to compensate the loss

    We have helped to compensate damages in the following cases

    Damaged by thunder:
  • TV
  • set-top box
  • router
  • sockets
  • Total amount of compensation 638 €

    Washing machine broken due to electrical fault

    Total amount of compensation 469 €

    Due to overvoltage, several household electrical appliances were damaged, including an incubator for hatching chickens

    Total amount of compensation 1100 €

    Damaged by thunder:
  • TV
  • electric dog borders
  • Total amount of compensation 634 €

    Heat pump broken due to current fluctuations

    Total amount of compensation 526 €

    Why have Eesti Energia's insurance solution?

    Flexibility

    The insurance also covers a house that is not your permanent residence, and the age of the building does not change the conditions of the insurance policy.

    Fast response

    In the case of fire damage, a fast initial payment of 2 000 €

    Simplicity

    We do not have long pages of complicated terms and conditions which include hidden obligations for customers in the fine print.

    Additional protection

    If you already have home insurance, our Fire Insurance will compensate for such additional costs as medical expenses, loss of income, expert fees for identifying the cause of the damage, and other reasonable costs that you have incurred due to the fire.

    Freedom of choice

    You can decide how you use the insurance benefit. Restoration after a fire is not mandatory.

    Did not find a suitable solution?

    Consider choosing the electricity package Equal, which includes FREE electrical appliances insurance.

    Read more

    An insurance event occurred?

    Tips on how to act correctly.

    Read more

    Frequently Asked Questions

    Eesti Energia will notify the insurer of the addition of an insured person as soon as you have expressed your wish to enter into an insurance contract. If you wish to withdraw from the insurance contract, Eesti Energia will inform the insurer of the respective request submitted by you. The insurance cover will end if you terminate your electricity or gas contract or if the insurance contract between Eesti Eergia and the insurer expires. Eesti Energia will notify you immediately of the termination of your insurance contract.

    Yes. Your electricity or gas contract and insurance coverage are linked. Only customers with our electricity and gas contracts can connect to Eesti Energia's insurance solution. Therefore, if you want to change your energy seller, the insurance cover supplied by Eesti Energia will end with the termination of your Eesti Energia service contract.

    Yes. Home insurance is not an obstacle to connecting to Eesti Energia's insurance solution. The insurance cover provided by Eesti Energia can offer you several additional benefits.

    The insurance cover includes electrical equipment located at the place of insurance: TV, computer, laptop, landline telephone, washing machine, dishwasher, stove, refrigerator, fire and security alarm equipment, electric heating and ventilation equipment, heating equipment, etc.

    The provider of Electrical Appliances Insurance is

    If P&C Insurance AS

    Read the terms and conditions for the insurance »

    The provider of Fire Insurance is

    AAS BTA Baltic Insurance Company Estonian branch

    Read the terms and conditions for the insurance »

    Consult an expert if necessary. For further information, you can also call the Eesti Energia customer service line 777 1545.

    Related topics

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    Selection of gas packages

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