Insurance

Protect your property and electrical appliances!

Enefit's insurance is a good choice for your home or cottage if:

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).

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Your home electrical system is outdated and you want to mitigate the risks associated with it.

Choose insurance

Insurance
Electrical Appliances Plus

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

Rate

1.99 €

/month

The sum of your excess

50 €

Insurance
Fire

Your home is insured against damage caused by fire.

Rate

2.99 €

/month

The sum of your excess

0 €

BUY TWO INSURANCE POLICIES IN ONE AND GET A 10% DISCOUNT

Insurance
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.

Rate

4.49 €

/month

The sum of your excess in the case of fire

0 €

The sum of your excess in the case of 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.

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

  • 1

    Choose the right insurance package

  • 2

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

  • 3

    The insurance cover will take effect immediately

Buy insurance

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 are insured for a total of 2 000 € (per insured event)
  • Work of a technician is insured for a total of 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.

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.
  • The sum of your excess: 0 €
  • Fast payment: 2 000 € within three working days 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.

  • 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 are insured for a total of 2 000 € (per insured event)
  • Work of a technician is insured for a total of 200 € (per insured event)
  • In case of fire the insurance covers up to 10 000 € (per insured event)
  • Fast payment of 2 000 € within three working days 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.

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.

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 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.

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

Frequently Asked Questions