Additional Internal Insurance (TSK) Annex Terms No. 08122025
Effective as of 08.12.2025

I. General Provisions
1.1 Additional Internal Insurance (TSK) – a mandatory insurance that covers cases of mechanical damage to the vehicle body incurred as a result of a traffic accident (hereinafter “TA”).
1.2 Purpose of TSK – reduction of risks by sharing vehicle repair costs between the Lessee and the Lessor.
1.3 Scope of application – TSK is valid only within Estonia and applies to vehicles of Q Takso Veod OÜ used in the provision of passenger taxi services and for economic activities.
1.4 TSK is not insurance within the meaning of § 426 et seq. of the Law of Obligations Act (VÕS), but an additional service provided within the framework of the rental service. The TSK offered by the Lessor is not subject to insurance contract regulation, and insurance law provisions do not apply to it.
1.5 These TSK terms regulate exclusively the handling of those damage cases to which TSK applies.
All cases to which TSK does not apply — regardless of the reason for loss of validity — shall be handled in full in accordance with Chapters VI–VIII of the Standard Terms, and liability shall be applied in full on the basis of those chapters.

II. Definitions
2.1 Insurance event – a TA as a result of which mechanical damage to the vehicle body occurs.
2.2 Deductible – an amount of EUR 600 that the Lessee is obliged to pay in each insurance event (maximum liability in the first damage case, which subsequently increases).
2.3 Mechanical damage – damage to the vehicle body, including cracks, scratches, fractures, or other deformations caused by external factors during a TA.
2.4 Use deviating from the intended purpose – use of the vehicle in races, transportation of dangerous goods, or use outside public roads not provided for in the contract or these terms.

III. Insurance Conditions
3.1 TSK covers only mechanical damage to the vehicle body resulting from a TA.
3.1.1 Insurance does not include: medical expenses for injuries (to persons injured in a TA), damage to personal belongings occurring while inside the vehicle, loss of profit (e.g., downtime or business losses), natural wear and tear, corrosion, and interior damage if not caused by a traffic accident.
3.2 The Lessee must submit:
3.2.1 Photographs of the damage from the accident scene.
3.2.2 A mutual agreement (if a police report is absent).
3.2.3 Dashcam recordings (if available).
3.2.4 The deadline for reporting damage is 24 hours by e-mail to: info@qtakso.ee.

IV. Financial Conditions
4.1 Deductible
4.1.1 In the first insurance event, the Lessee is obliged to pay a deductible of EUR 600.
4.1.2 If the vehicle repair cost does not exceed the deductible applicable at the time of the damage event, the Lessee pays only the actually incurred costs.
4.1.3 TSK does not cover the cost of vehicle towing from the scene of a traffic accident.
4.2 Unauthorized Repair
4.2.1 The Lessee is prohibited from carrying out repair works independently, except for temporary measures necessary to transport the vehicle to a repair facility.
4.2.2 Upon detection of unauthorized repair, a fine of EUR 300 shall be imposed on the Lessee, and the Lessor reserves the right to redo the repair and claim the full cost thereof from the Lessee.
4.3 Increase of Deductible in Case of Repeated Insurance Events
4.3.1 For each Lessee, the maximum deductible amount applicable under TSK increases by EUR 100 for each new insurance event registered in the name of that specific Lessee.
This increase is cumulative and unlimited in time – the increased deductible applies as follows:
4.3.1.1 First insurance event – EUR 600,
4.3.1.2 Second insurance event – EUR 700,
4.3.1.3 Third insurance event – EUR 800, etc.
The Lessor has the right to keep records of all insurance events associated with a specific Lessee and to apply the increased deductible accordingly in each subsequent contract where TSK is used.
4.3.2 Including:
4.3.2.1 Upon concluding new rental agreements,
4.3.2.2 Upon amending existing agreements,
4.3.2.3 Upon changing rental vehicles,
4.3.2.4 And regardless of which legal entity the new agreement is concluded with, as the TSK protection service is provided by the vehicle owner – Q Takso Veod OÜ.

V. Excluded Insurance Cases
5.1 TSK does not apply if:
5.1.1 The Lessee operated the vehicle under the influence (including alcohol, narcotics, or other similar substances) or refused to undergo an alcohol or drug test upon the request of a competent authority;
5.1.2 The vehicle was driven by a person who is not the Lessee indicated in the Rental Agreement and who does not have the right to drive the vehicle under the agreement;
5.1.3 The vehicle was used in deviation from its intended purpose (see Clause II.4);
5.1.4 The Lessee failed to notify about the TA within 24 hours, as a result of which TSK coverage is suspended for that event and does not apply retroactively.

VI. Use of GPS Data
6.1 The GPS device installed in the vehicle records speed and movement trajectory.
6.2 The Lessee agrees that GPS data may be used to prove or exclude an insurance event, as well as in extrajudicial communication and court proceedings.

VII. Financing and Validity Conditions of TSK
7.1 The basic weekly fee for the Additional Internal Insurance (TSK) of the vehicle used by the Lessee amounts to 5% of the calendar week rental price of that vehicle.
7.2 The Lessor has the right, unilaterally and at its discretion, to reduce the TSK fee based on an oral agreement with the Lessee, provided that the Lessee complies with the Lessor’s requirements. The Lessor also has the right at any time to restore the TSK fee to the level of 5%, but not more than that, unless provided for by contract amendments and unless the Lessee has been notified in advance in accordance with Clauses 1.6, 1.7, and 1.8 of the Cooperation Agreement.
7.3 TSK coverage is automatically suspended if weekly insurance payments are not paid in full and on time. TSK coverage is automatically restored immediately after payment of the required amounts, but does not apply retroactively to prior events.
7.4 TSK coverage is suspended if the Lessee has not paid in full the following amounts:
7.4.1 The current week’s rental fee in accordance with Clause 3.4 of the Cooperation Agreement;
7.4.2 25% of the base rental price indicated in the handover–acceptance act in accordance with Clause 3.5 of the Cooperation Agreement;
7.4.3 The current week’s TSK payment.
7.5 If the security deposit has not been paid in full, TSK coverage is suspended regardless of other payments and is restored immediately after full payment of the security deposit. Restoration does not apply retroactively.
7.6 TSK coverage is restored immediately after payment and does not apply retroactively.
7.7 The existence of a general outstanding debt does not exclude the validity of TSK, provided that the conditions set out in Clauses 7.4.1–7.4.3 are fulfilled.

VIII. Interpretation of TSK Terms
8.1 Circumstances of a traffic accident are assessed based on the submitted evidence and in accordance with the principle of good faith. If the Lessee fails to fulfill the obligations set out in this chapter, objective determination of the circumstances of the vehicle damage may become impossible, which may affect the amount of compensation or lead to its cancellation.
8.2 The Lessee is obliged to perform all reasonable and necessary actions for proper documentation and determination of the circumstances of the traffic accident, including but not limited to:
8.2.1 The Lessee is obliged to perform all reasonable and necessary actions for the proper recording and determination of the circumstances of the traffic accident, including, but not limited to;
8.2.2 Failure to perform or improper performance of the said obligations is deemed a breach of contract and may result in:
8.2.2.1 Suspension of TSK coverage for the relevant event, without retroactive restoration;
8.2.2.2 The Lessee’s obligation to compensate the damage in full in accordance with the Cooperation Agreement and the Standard Terms;
8.2.2.3 A situation where the evidence presented by the Lessor is deemed sufficient and the Lessee’s ability to present contrary evidence may be limited due to the Lessee’s inaction.
8.2.3 Performance of the Lessee’s obligations is assessed in accordance with the principles of good faith and reasonableness pursuant to §§ 7 and 8 of the Law of Obligations Act (VÕS).
8.2.4 Improper documentation of accident circumstances does not release the Lessee from contractual or damage compensation obligations and does not reduce the Lessee’s liability for the consequences of the accident.
8.2.5 If the Lessee provides false information or conceals information, this is deemed a material breach of this agreement, and TSK coverage is suspended for all related cases and is not restored retroactively.

IX. Dispute Resolution
9.1 All disputes shall be resolved in Harju County Court.
9.2 The official communication channel is info@qtakso.ee.

X. Contacts
Company: Q Takso Veod OÜ
Address: Lasnamäe 30a, Tallinn
E-mail: info@qtakso.ee

Explanations and Instructions for Use
These terms governing the Additional Internal Insurance (TSK) are applied automatically as part of the rental agreement for the use of a passenger vehicle for taxi services and economic activities. All definitions, requirements, and procedures set forth in this agreement are strictly binding on the parties, and their interpretation and application shall comply with the applicable laws of the Republic of Estonia.