Protect your electrical devices and home from unexpected breakdowns!

We understand how important security
is in daily life, especially when it comes
to your home and its appliances.
Power outages, thunderstorms, and
other unexpected situations can cause unpleasant and costly damages.
We have a solution for you!

Elektrum offers insurance along with your electricity package, protecting your electrical devices and providing home assistance in unexpected situations.

• Protection Against Electrical Damage. We compensate for damages caused by unexpected overvoltage, undervoltage, lightning, electric shock or power outages up to 1000 euros (deductible 50 €).
• 24/7 Home Assistance. Quick and professional help in unexpected situations, such as:
  Electrical Failures: Malfunctions in the electrical system (wires, sockets, fuses, electrical panels, junction boxes, etc.) requiring repair or replacement. Insurance covers the cost of repairing or replacing the electrical installation and the electrician's call-out fee.
  Water Leaks: Home assistance insurance covers incidents of liquid or steam penetrating the insured location due to the sudden and unforeseen failure of a household appliance or internal plumbing permanently connected to the pipeline.
  Lock Failures: Malfunctions or damage to locks by third parties (including during a break-in or attempted break-in).
• Unlimited Incidents. We cover damages from unexpected malfunctions
  up to 1000 euros per incident (deductible 0 €).
• You can add insurance to your electricity package for just 2.54 € per month.

Insurance provider: If Insurance. For more detailed insurance terms, click here.

How to join?
Signing up for insurance is easy – you can do it conveniently in our
self-service portal. 

How to proceed when you need Home Assistance? 
In the event of needing home assistance, the customer must always call If’s insurance phone at +372 777 1211. Assistance ordered from other sources will not be reimbursed.

What to do in case of damage covered by electrical appliance insurance? 
The customer must report the damage to If via https://www.if.ee/eraklient/kahjukasitlus/muud-kahjud and include their policy number in the designated field or in the damage report text, indicating that they are an Elektrum customer.

To ensure fast processing, the following documents must be provided:

• A defect report from a repair company specifying the cause of the damage and the estimated repair cost
• If the appliance cannot or should not be repaired:
  - For devices up to 5 years old: an estimate of the value of a new equivalent device
  - For devices older than 5 years: an estimate of the device's market value. 

If will process the claim and transfer the compensation to the customer's bank account.

Campaign Period: 01.04.2025 – 30.06.2025

Campaign Conditions: 

• Customers receive the first month and the following two months with an insurance fee of 0.00 euros.
• From the fourth month, the regular insurance fee applies automatically.
• The campaign does not apply to customers who have been Elektrum insurance clients in the last 12 months.
• Elektrum electricity contract is a prerequisite for insurance.

How to join?
Signing up for insurance is easy – you can do it conveniently in our
self-service portal.

For additional questions, we are always ready to help!