Frontier insurance for war refugees


Every vehicle must be covered by a motor insurance contract. For an unregistered vehicle in a country that is a Contracting Parties to the EEA Agreement, this may be a green card issued by the country of registration or frontier insurance from a country that is a Contracting Party to the EEA Agreement. For example, in order to drive in Estonia, a vehicle registered in Ukraine must have a green card issued in Ukraine or frontier insurance from Poland, Lithuania, Latvia, Estonia or another European Economic Area country.

You can learn more about motor insurance of vehicles registered in Ukraine here in English and here in Ukrainian.


  • Ukrainian insurance companies can issue Ukrainian vehicles with a green card via e-mail; and
  • offering border insurance free of charge was designed as a temporary and exceptional measure in support of Ukrainian refugees to ensure that insurance obligations were met,

there is no longer any reason to offer the border insurance free of charge.

Starting from 25 April there will be no exceptions when entering into a border insurance contract.

We recommend obtaining a green card from a Ukrainian insurance company for a Ukrainian vehicle in order to enter Estonia. This can be done via e-mail. Click here for a list of Ukrainian insurance companies. Another option is to enter into a border insurance contract. Find out more here.



Border insurance was offered free of charge from 1-24 April if the following conditions were met:

  • the contract was entered into on site for a vehicle bearing a Ukrainian number plate entering Estonia via the Luhamaa, Koidula or Narva border crossings;
  • a border insurance contract had not been entered into for the same vehicle in 2022;
  • the person taking out the insurance was a Ukrainian citizen; and
  • the insurance period was up to 15 days.

Below you can view the rules that were in force until 31 March.

In order to ensure the fulfilment of the insurance obligation and to support the Ukrainian war refugees, the Estonian Motor Insurance Bureau will temporarily cover the cost of the Estonian frontier insurance premium. The policyholder is not obligated to pay a premium for a frontier insurance contract if all the following conditions are met:

  • the frontier insurance contract will be entered into for a passenger car with a Ukrainian number plate temporarily used in Estonia or entering Estonia
  • the policyholder is a citizen of Ukraine
  • the frontier insurance contract is entered into for up to three months

Frontier insurance contracts can be entered into at the customer service centres of the Tax and Customs Board:

  • Airport Service Centre, Kesk-Sõjamäe 10A, Tallinn. Telephone: +372 676 1805
  • Luhamaa Customs Office, Luhamaa, Misso Municipality, Võru County. Telephone: +372 676 4462
  • Koidula Customs Office, Koidula Village, Värska Municipality, Põlva County. Telephone: +372 676 4481
  • Narva Customs Office, Peterburi tee 1, Narva. Telephone: +372 676 3850

By way of exception, a frontier insurance contract meeting the above conditions can also be entered into by e-mail. Please e-mail your request to lkf [at] The vehicle’s registration certificate, the policyholder’s identity document, the policyholder’s place of stay in Estonia and the planned length of stay in Estonia must be attached to the e-mail message. Contracts can only be entered into by e-mail on weekdays from 9:00 to 16:00 and on Fridays from 9:00 to 15:00.

For more information on frontier insurance, please call 667 1800 or e-mail lkf [at]

The exceptions described above are valid for a limited period. The Estonian Motor Insurance Bureau will make the decision to end the exception once the circumstances have changed.