AS Hoolekandeteenused Insurance Services Procurement 2026–2028

The bidder must confirm that neither it nor its management, administrative or supervisory body members or representatives have received a final conviction within the last five years for participation in a criminal organisation, corruption, fraud, terrorism, money laundering, terrorist financing, illegal use of child labour or human trafficking offences. The bidder must also have no tax or social security debt, environmental, social or labour-law violations, bankruptcy, liquidation or other insolvency proceedings, suspended business activities, serious professional misconduct, anti-competitive agreements or unresolved conflict of interest. The authority will also examine serious breaches of previous public contracts, false statements or failure to submit required documents, attempts to influence the procurement procedure, enabling an unlawfully staying foreign national to work, applicable international sanctions and convictions for tax offences. Where applicable, the bidder may provide evidence of measures taken to restore its reliability. The threshold for tax and social security payment obligations is EUR 0, although the tax authority does not issue a certificate for debt below EUR 100 or for rescheduled tax debt.

The bidder must be an insurer authorised to conduct insurance activities in Estonia: an insurer operating in Estonia under an insurance licence, an insurer with an established branch in Estonia, or an insurer that has notified the Estonian Financial Supervision and Resolution Authority of its intention to provide cross-border insurance services. A tender may be submitted only for insurance classes covered by the bidder’s authorisation. This requirement applies to all five lots: motor liability insurance, comprehensive motor insurance, property insurance, property-related general liability insurance and general liability insurance. Compliance will be checked against the Financial Supervision and Resolution Authority’s public information; if no information is available, the bidder must provide documents proving its authorisation upon request. The bidder must have a claims-handling department in Estonia or a cooperation partner providing claims handling, and must provide information about the relevant technical unit or employee, including qualifications and experience. The tender must comply with the procurement documents and must be unconditional. The price must be submitted in the required structure. For a joint tender, a power of attorney from the joint tenderers must be included; if the tender is submitted by a person who is not a management board member authorised in the commercial register, a power of attorney confirming representation rights must be provided. The bidder must also describe and justify any business secrets, or confirm that the tender contains no business secrets. The machine-readable notice did not include a precise minimum turnover or prior experience requirement; any such requirements must be checked in the tender documents.