Insurance
The insurance solution by Enefit 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.
Enefit insurance solutions
Electrical Appliances PLUS
Your electrical equipment is insured against damage caused by lightning, electrical failure or overload.
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Rate
1.99 €
/month
Appliances are insured for a total of
2000 €
Work of a technician is insured for a total of
200 €
The sum of your excess
50 €
In the case of electrician outing
0 €
Electrical Appliances EXTRA
Your electrical equipment is insured against damage caused by lightning, electrical failure, or overload in your detached house, semi-detached house, terraced house, cottage, garden house, shed, garage, sauna, greenhouse, and other outbuildings.
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Rate
2.99 €
/month
Appliances are insured for a total of
4000 €
Work of a technician is insured for a total of
400 €
The sum of your excess
50 €
In the case of electrician outing
0 €
Rate
2.99 €
/month
Compensation of up to
10 000 €
Fast payment of 2 000 € within 3 working days to cover initial expenses
The sum of your excess
0 €
Electrical Appliances and Fire
Your electrical equipment is insured against damage caused by lightning, electrical failure or overload, as well as against damage caused by fire.
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Rate
4.49 €
/month
Electrical appliances and failures insurance
2000 €
Work of a technician is insured for a total of
200 €
In case of fire the insurance covers up to
10 000 €
The sum of your excess in the case of electrical appliance damage
50 €
Enefit's insurance solution consists of insurance contracts concluded between Enefit and If P&C Insurance AS (electrical equipment insurance) and the Estonian branch of AAS BTA Baltic Insurance Company (fire insurance), where Enefit is the policyholder and customers of Enefit's electricity or gas consumption contracts are the insured persons.
Enefit's insurance is a good choice for your home or cottage if:
You are located in an area that is often affected by storms and thunder.
Your home electrical system is outdated and you want to mitigate the risks associated with it.
You don't have home insurance because you think it's expensive and has complex terms.
You have expensive electrical equipment in your home that is sensitive to voltage fluctuations (such as a heat pump, router, TV and set-top box).
Examples of cases where our insurance helped to compensate the loss
We have helped to compensate damages in the following cases
Thunder
Damaged by thunder:
- TV
- set-top box
- router
- sockets
Total amount of compensation 638 €
Electrical faults
Washing machine broken due to electrical fault
Total amount of compensation 469 €
Overvoltage
Due to overvoltage, several household electrical appliances were damaged, including an incubator for hatching chickens
Total amount of compensation 1100 €
Current fluctuations
Heat pump broken due to current fluctuations
Total amount of compensation 526 €
Why have Enefit'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 have home insurance, our Fire Insurance will compensate such additional costs as medical expenses, loss of income, and expert fees 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.
Insurance partners
Consult an expert if necessary. For further information, you can also call the Enefit customer service line 777 4040.
If P&C Insurance AS
The provider of Electrical Appliances Insurance
AAS BTA Baltic Insurance Company Estonian branch
The provider of Fire Insurance