AAS BTA Baltic Insurance Company Eesti filiaal

What AAS BTA Baltic Insurance Company Eesti filiaal does

AAS BTA Baltic Insurance Company Eesti filiaal is the Estonian branch of AAS BTA Baltic Insurance Company, a Baltic insurance group that is a member of Vienna Insurance Group (VIG), one of the largest insurance groups in Central and Eastern Europe. The company is registered in Estonia under branch code 11223507, with its headquarters at Lõõtsa 2b, Tallinn. It is not a standalone entity but operates under the umbrella of the larger Baltic insurance group, which also has operations in Latvia and Lithuania.

The company offers a portfolio of retail and small-business insurance products to Estonian consumers, including Motor Third-Party Liability (Liikluskindlustus/MTPL), comprehensive motor insurance (Kaskokindlustus/Casco), travel insurance (Reisikindlustus), property/home insurance (Kodukindlustus), and accident insurance (Õnnetusjuhtum). Distribution is primarily direct-to-consumer through a digital platform comprising the My BTA (Minu BTA) mobile application — available on AppStore, Google Play, and AppGallery — a self-service portal at bta.ee, and direct customer support via phone, email, and live chat. The company differentiates through 24/7 roadside assistance bundled with motor insurance, 24/7 home assistance bundled with property insurance, and a 10% multi-product bundling discount (notably MTPL + CASCO). It also serves a secondary SME segment for business insurance.

The revenue model is subscription/recurring (yearly insurance premiums) supplemented by policy administration fees, with pricing calculated individually based on risk factors. The website operates in Estonian, English, and Russian to support Estonia's multilingual market. No management team, headcount, financial figures, or AI/ML capabilities are disclosed in the available source data.

Name

AAS BTA Baltic Insurance Company Eesti filiaal

Legal name

AAS "BTA Baltic Insurance Company" Eesti filiaal

Website

https://bta.ee

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

AAS BTA Baltic Insurance Company Eesti filiaal is the Estonian branch of BTA Baltic Insurance Company (a Vienna Insurance Group member), offering retail and SME insurance products — MTPL, CASCO, travel, property, and accident — distributed directly to Estonian consumers via the My BTA mobile app and online self-service portal.

Ownership category

akta.pro rank

Product category

Insurance Services (Non-Life / Property & Casualty)

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC)

Keywords

• Motor insurance
• Property insurance
• Travel insurance
• Accident insurance
• Insurance services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from policyholders for MTPL, CASCO, travel, property, and accident insurance coverage.
2. Policy Administration Fees: Fees associated with policy management, claims processing, and administrative services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

AAS BTA Baltic Insurance Company Eesti filiaal sells personal and small-business insurance products in Estonia, including Motor Third-Party Liability (Liikluskindlustus), CASCO (Kaskokindlustus), Travel (Reisikindlustus), Home/Property (Kodukindlustus), and Accident (Õnnetusjuhtum) insurance. Policies are sold directly to retail customers through a digital storefront — the bta.ee website with online quote calculators and the My BTA mobile app — covering cars, houses, boats, and businesses across Estonia.

Product overview

BTA offers a comprehensive portfolio of insurance products for individuals and businesses, including Motor Third-Party Liability (Liikluskindlustus/MTPL), Casco (Kaskokindlustus), Travel (Reisikindlustus), Property/Home (Kodukindlustus), and Accident (Õnnetusjuhtum) insurance. The company differentiates through its BTA mobile app (Minu BTA/My BTA), which provides 24/7 access to all policies, enables claims submission and tracking, connects users with customer support, and delivers notifications for payments and claim decisions. Products are available for cars, houses, boats, and businesses, with special promotional pricing combining MTPL and Casco coverage. The company is a member of Vienna Insurance Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Liikluskindlustus (Motor Third-Party Liability / MTPL) Motor third-party liability insurance covering damages caused to third parties (other vehicle owners, cyclists, pedestrians) and damage to third-party property by the policyholder.
• Kaskokindlustus (Casco) Comprehensive motor insurance covering vehicle damage and accidents, with 24/7 roadside assistance and broad risk coverage options.
• Reisikindlustus (Travel Insurance) Travel insurance covering single or recurring trips with flexible coverage options, allowing customers to pay only for the protection that matters.
• Kodukindlustus (Home/Property Insurance) Home insurance protecting against unexpected events, with 24/7 Home Assistance service ensuring help is available by phone whenever needed.
• Õnnetusjuhtum (Accident Insurance) Accident insurance providing financial protection against unexpected accidents at any moment.
• My BTA / Minu BTA Mobile Application Mobile application available on App Store, Google Play, and AppGallery that enables policy management, digital storage of policies without printing, claims submission with tracking, direct customer support contact, and notifications for payments and claim decisions.

Quantifiable outcome

• 10% savings when bundling MTPL and CASCO insurance
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Vienna Insurance GroupcoreStrategic or Co-development PartnerBTA Baltic Insurance Company is a member of Vienna Insurance Group (VIG), one of the largest insurance groups in Central and Eastern Europe. This affiliation provides BTA with brand credibility, financial backing, and operational synergies across the Baltic region.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• If P&C Insurance (Estonia): Estonia's largest P&C insurer (part of Sampo/Nordic group), offering MTPL, Casco, home, and travel insurance through both digital and broker channels. Directly comparable as the dominant multi-line P&C competitor in the same Estonian retail market.
• Citadele Insurance (Baltic): Insurance arm of the Citadele banking group offering P&C products across the Baltic states. Comparable as a bank-affiliated multi-line P&C competitor serving retail customers in Estonia.
• ERGO Insurance SE Eesti filiaal: Estonian branch of Germany's ERGO (Munich Re group) offering motor, home, travel, and accident insurance to retail customers. Comparable as a foreign-owned multi-line P&C carrier operating in Estonia with similar product breadth.
• Swedbank P&C Insurance Eesti: Estonian branch of Swedbank P&C (part of Swedbank group), distributing P&C insurance through the bank's retail channel. Comparable as a bank-affiliated multi-line P&C insurer leveraging captive distribution in Estonia.
• LHV Kindlustus AS: Estonian P&C insurer owned by LHV Group, offering motor, home, and travel products with a strong digital orientation. Comparable as a digitally focused domestic multi-line P&C competitor in the same Estonian retail market.
• Seesam Insurance AS: Baltic-focused P&C insurer offering motor, home, travel, and accident insurance in Estonia. Comparable as a regionally anchored multi-line P&C competitor targeting the same Estonian retail segments.
• Salva Kindlustus AS: Estonia-based multi-line P&C insurer offering motor, property, and personal lines. Comparable as a domestic multi-line P&C competitor with overlapping product set and Estonian retail focus.
• Gjensidige Baltic: Norwegian mutual insurer with Estonian operations offering motor, home, and accident insurance. Comparable as a foreign-owned multi-line P&C competitor with similar Baltic retail footprint.

Broad incumbents

• Compensa TU S.A. (Vienna Insurance Group): Polish non-life insurer within the Vienna Insurance Group, the same parent as BTA Estonia. Comparable as a sister VIG entity offering motor, property, and travel insurance across a different but related CEE market.

Regional players

• Balcia Insurance SE: Latvia-based P&C insurer with Baltic-wide operations offering motor, home, and travel insurance. Comparable as a multi-line P&C competitor active in the same Baltic region but headquartered in Latvia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/btakindlustus

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AAS BTA Baltic Insurance Company Eesti filiaal