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For our part, we will do our best to find a quick and reasonable solution to the loss event. The more information you provide to us about the loss, the faster we can make a compensation decision. You can report a loss event by filling in the claim form on our e-service or by sending the information at the e-mail address: teenindus@enefit.ee or by calling 777 4040.

We will contact you, if we need additional information about what happened, and let you know, if it turns out not to be an insured event or if the damage exceeds the sum insured.

Damage related to electrical equipment or electrical system failure:

• In the case of a loss event, ask your nearest electrical equipment repair shop to inspect the device and to prepare a damage assessment report.
• Claims settlement is based on a report stating the cause of the damage, the cost of repairs and the market value of the device before the failure.
• In the event of an electrical system failure, fill in a claim and order an electrician from Enefit to your home.

Damage related to fires:

• Do everything you can to prevent the damage from increasing.
• Call Rescue Boards as soon as possible 112 and follow the instructions.
• If possible, take photos of the damage.
• Keep the scene unchanged until the insurance company representative has recorded the losses.

Electrical appliances insurance helps to compensate for the sudden and unexpected failure of electrical equipment due to external factors (e.g. lightning, short circuit, overload, over- or undervoltage). The equipment is protected for a total amount of 2 000 euros. The insurance additionally covers the costs of determining the fault and the electrician's site visit to the value of 200 euros, as well as the costs associated with repairing the home electrical installation (cables, plugs, fuses, electric cabinets, junction boxes, etc.).

The insurance of electrical equipment offers a number of additional benefits, if you have already insured your place of residence:

• Low deductible (50 euros);
• All smart devices and computers up to two years old, are compensated for at their new acquisition prices, if their repair is not possible;
• You can also conveniently insure the electrical appliances in your cottage or summerhouse.
• The invoice is paid together with the invoice for electricity or gas;
• The number of insured events per year is unlimited.

In the case of an insurance event request a review and assessment of the equipment from an electrical equipment specialist. The report, which states the reason for the damage, the cost of repairs and the market value of the equipment before the damage is basis for the claim settlement.

Next, fill a form in our e-service on the insurance subpage and describe as accurately as possible what happened.

The electrical fault insurance is helpful if the electrical system in your home is damaged and requires repair (e.g. power lost from one room or floor, socket or wiring no longer works due to excessive voltage, etc.).

If the electrical system is damaged in your home, order an electrician from the Enefit e-service insurance subpage or contact our customer service.

The electrical fault insurance covers up to 200 euros from the invoice of the site visit of the Enefit electrician. Your deductible for the insurance is 0 euros.

The insurance is linked to your valid electricity or gas contract, so if you terminate your energy contract with Enefit, the insurance cover will also automatically be terminated. To change or terminate the insurance package, contact our customer service.

Fire insurance will give you a monetary benefit to the value of 10 000 euros, to the extent of the restoration costs of your damaged place of residence, if as a result of a fire there has been damage to:

• the main structures of your home (walls, floors, stairs, roof);
• interior finishing, built-in furniture, sanitary installations;
• heating and gas equipment;
• electrical system or built-in surveillance, communication and sound system;
• furnace or fireplace.

If you have already insured your place of residence, then the fire insurance offers a number of additional benefits:

• Reasonable medical costs for you and your family members, if as a result of the fire a health problem has occurred, the treatment of which is not compensated for by the usual health insurance;
• Income for up to 60 days, if the fire has caused you or your family members health damages that result in an incapacity for work;
• Claims by third parties against you, which arise from the legal liability related to the taking place of the fire;
• The rental costs for up to four months, for up to 500 euros per month, if your home has become uninhabitable.
• We compensate the deductible part of the home insurance.

The compensation payment is quick. A payment of up to 2000 euros will be made within three work days, if the damage caused by the fire exceeds 2000 euros.

The following requirements must be followed, so that we can pay the necessary compensation quickly:

• In the case of a fire inform emergency services immediately and act according to the instructions received from them.
• The fire that broke out must be on record with the Rescue Board - even in the case when the fire brigade is not required on site and you are capable of extinguishing the fire with your own forces.
• Inform us of the fire as soon as possible.
• You can submit a loss notice using the web form on our website.
• When sending out a loss notice, add as much information as possible about the event and also photographs of the affected objects.

The insurance is linked to your valid electricity or gas contract, so if you terminate your energy contract with Enefit, the insurance cover will also automatically be terminated. Contact our client services, to change or terminate the insurance package.

Electrical appliances insurance helps to compensate for the sudden and unexpected failure of electrical equipment due to external factors (e.g. lightning, short circuit, overload, over- or undervoltage). The equipment is protected for a total amount of 2 000 euros. The insurance additionally covers the costs of determining the fault and the electrician's site visit to the value of 200 euros, as well as the costs associated with repairing the home electrical installation (cables, plugs, fuses, electric cabinets, junction boxes, etc.).

The insurance of electrical equipment offers a number of additional benefits, if you have already insured your place of residence:

• Low deductible (50 euros);
• All smart devices and computers up to two years old, are compensated for at their new acquisition prices, if their repair is not possible;
• You can also conveniently insure the electrical appliances in your cottage or summerhouse.
• The invoice is paid together with the invoice for electricity or gas;
• The number of insured events per year is unlimited.

In the case of an insurance event request a review and assessment of the equipment from an electrical equipment specialist. The report, which states the reason for the damage, the cost of repairs and the market value of the equipment before the damage is basis for the claim settlement.

Next, fill a form in our e-service, on the insurance subpage and describe as accurately as possible what happened.

Fire insurance will give you a monetary benefit to the value of 10 000 euros, to the extent of the restoration costs of your damaged place of residence, if as a result of a fire there has been damage to:

• the main structures of your home (walls, floors, stairs, roof);
• interior finishing, built-in furniture, sanitary installations;
• heating and gas equipment;
• electrical system or built-in surveillance, communication and sound system;
• furnace or fireplace.

The compensation payment is quick. A payment of up to 2000 euros will be made within three work days, if the damage caused by the fire exceeds 2000 euros.

If you have already insured your place of residence, then the fire insurance offers a number of additional benefits:

• Reasonable medical costs for you and your family members, if as a result of the fire a health problem has occurred, the treatment of which is not compensated for by the usual health insurance;
• Income for up to 60 days, if the fire has caused you or your family members health damages that result in an incapacity for work;
• Claims by third parties against you, which arise from the legal liability related to the taking place of the fire;
• The rental costs for up to four months, for up to 500 euros per month, if your home has become uninhabitable.

The following requirements must be followed, so that we can pay the necessary compensation quickly:

• In the case of a fire inform emergency services immediately and act according to the instructions received from them.
• The fire that broke out must be on record with the Rescue Board - even in the case when the fire brigade is not required on site and you are capable of extinguishing the fire with your own forces.
• Inform us of the fire as soon as possible.
• You can submit a loss notice using the web form on our website.
• When sending out a loss notice, add as much information as possible about the event and also photographs of the affected objects.

The insurance is linked to your valid electricity or gas contract, so if you terminate your energy contract with Enefit, the insurance cover will also automatically be terminated. To change or terminate the insurance package, contact our customer.

The insurance cover will take effect as soon as you have submitted the order for the insurance package. The insurance cover is for an indefinite period and ends if you notify us of your wish to terminate or if you terminate your Enefit electricity or gas contract. To change or terminate the insurance package, contact our customer service at 777 4040.

Your electricity or gas contract and insurance are linked. Insurance can only be ordered by customers with EEnefit's electricity and gas contract. Therefore, if you want to change the energy provider, the insurance cover offered by Enefit also ends.

The insurance certificate will be sent personally to your e-mail address when ordering insurance. If you would like us to resend the certificate to you, please notify our customer service.

Conditions

Electrical appliances insurance conditions »

Fire insurance conditions »

Information documents

Electrical appliances insurance information document »

Fire insurance information document »

Electrical equipment and fire insurance information document »