Additional Internal Insurance (TSK)
Terms and Conditions
Appendix No. 08122025
Effective as of 08.12.2025

I. General Provisions
1.1. Additional Internal Insurance (TSK) — a mandatory form of insurance protection covering cases of mechanical damage to the vehicle body of the Lessee arising as a result of a traffic accident (hereinafter — “TA”).
1.2. Purpose of TSK — risk mitigation by allocating vehicle repair costs between the Lessee and the Lessor.
1.3. Scope of application — TSK is valid exclusively within the territory of the Republic of Estonia and applies only to vehicles of Q Takso Veod OÜ used for taxi passenger transport services and economic activities.
1.4. TSK does not constitute insurance within the meaning of §§ 426 et seq. of the Law of Obligations Act (VÕS), but is an additional service provided within the framework of rental relations. 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 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 apply in full pursuant to those chapters.

II. Definitions
2.1. Insurance event — a TA resulting in mechanical damage to the vehicle body.
2.2. Deductible (Franchise) — an amount of EUR 600 which the Lessee is obliged to pay for each insurance event (maximum liability in the case of the first damage event, increasing thereafter).
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 contrary to 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 Coverage Conditions
3.1. TSK covers exclusively mechanical damage to the vehicle body arising as a result of a TA.
3.1.1. Insurance coverage does not include: medical expenses for persons injured in a TA, damage to personal belongings while inside the vehicle, loss of profit (including downtime or business losses), natural wear and tear, corrosion, and interior damage unless such damage arose directly as a result of a TA.
The Lessee must submit:
3.2.1. photographs of the damage taken at the accident scene;
3.2.2. a mutual agreement of the parties (if a police report is absent);
3.2.3. dashcam recordings (if available);
3.2.4. notification of damage within 24 hours by email to: info@qtakso.ee.

IV. Financial Terms
Deductible
4.1.1. In the case of 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 insurance event, the Lessee shall pay only the actual costs incurred.
4.1.3. TSK does not cover vehicle towing or evacuation costs from the scene of a TA.
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. If unauthorized repair is detected, a penalty 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.
Increase of Deductible in Case of Repeated Insurance Events
4.3.1. For each subsequent insurance event registered in the name of a specific Lessee and falling under TSK, the maximum deductible amount increases by EUR 100. This increase is cumulative and unlimited in time, and 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 apply the increased deductible accordingly in each subsequent contract where TSK is used:
4.3.2.1. upon concluding new rental agreements;
4.3.2.2. upon amending existing agreements;
4.3.2.3. upon replacing rental vehicles;
4.3.2.4. regardless of the legal entity with which the new agreement is concluded, since 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 similar substances) or refused to undergo alcohol or drug testing at the request of a competent authority;
5.1.2. the vehicle was operated by a person not specified as the Lessee in the Rental Agreement and not entitled to drive the vehicle under the contract;
5.1.3. the vehicle was used contrary to its purpose (see Clause 2.4);
5.1.4. the Lessee failed to notify about the TA within 24 hours, as a result of which TSK coverage for that event is suspended and shall not be restored 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 pre-trial communications and court proceedings.

VII. Financing of TSK and Validity Conditions
7.1. The base weekly payment for Additional Internal Insurance (TSK) constitutes 5% of the vehicle’s weekly rental price for the relevant calendar week.
7.2. The Lessor has the right, at its sole 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%, provided that such restoration is in accordance with the contract amendment procedure and that prior notice is given to the Lessee 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. Coverage is automatically restored immediately after the required payments are made, but does not apply retroactively to previous events.
7.4. TSK coverage is suspended if the Lessee has failed to pay in full:
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 specified in the handover–acceptance report 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 only after full payment of the deposit, without retroactive effect.
7.6. TSK coverage is restored immediately upon payment and does not apply retroactively.
7.7. The existence of overall indebtedness does not exclude the validity of TSK provided that the conditions set out in Clauses 7.4.1–7.4.3 are met.

VIII. Interpretation of TSK Terms
8.1. The circumstances of a TA are assessed based on the evidence provided and in accordance with the principle of good faith. Failure by the Lessee to comply with the obligations set out in this section may render objective determination of the circumstances impossible, which may affect the amount of compensation or lead to its cancellation.
8.2. The Lessee is obliged to take all reasonable and necessary actions to properly record and determine the circumstances of the TA.
8.2.2. Failure to perform or improper performance of the said obligations shall be 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 submitted by the Lessor is deemed sufficient, and the Lessee’s ability to submit counter-evidence may be limited due to the Lessee’s inaction.
8.2.3. Performance of the Lessee’s obligations shall be assessed in accordance with the principles of good faith and reasonableness pursuant to §§ 7 and 8 of the Law of Obligations Act.
8.2.4. Improper recording of accident circumstances does not release the Lessee from contractual or liability obligations and does not reduce the Lessee’s responsibility for the consequences of the accident.
8.2.5. Submission of false information or concealment of information by the Lessee shall be deemed a material breach of the contract, resulting in suspension of TSK coverage for all related cases without retroactive restoration.

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

Explanatory Notes and Application
These Additional Internal Insurance (TSK) terms apply automatically as part of the vehicle rental agreement for taxi services and economic activities. All definitions, requirements and procedures set out herein are strictly binding on the parties and shall be interpreted and applied in accordance with the applicable laws of the Republic of Estonia.