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Tenders

Purchase of insurance services

Open
Deadline
5 days left
April 21, 2026
Contract Details
Category
Services
Reference
307189
Value
€75,000
Location
Estonia
Published
March 30, 2026
CPV Code
Evaluation Criteria
Bid price100%
Bid price100%
Project Timeline

Tender Published

March 30, 2026

Deadline for Questions

April 14, 2026

Submission Deadline

April 21, 2026

Tender Opening

April 21, 2026

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Budget
€75,000
Duration
Not specified
Location
Estonia
Type
Services
75
Quality Score/100
Good
Market Benchmark
Avg. Winning Price
€844,224
Avg. Bids
3.1
Competition
Medium
SME Winners
69%
297 tenders analyzed

Original Tender Description

The Ministry of Education and Research is procuring traffic and comprehensive insurance for the motor vehicles, mobile machinery, and trailers of the Ministry of Education and Research and its subordinate institutions.
Electronic Submission

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Win Strategy

AI-powered analysis of this tender's requirements, opportunities, and challenges. Get strategic insights to maximize your win probability.

65%
Estimated Win ProbabilityModerate Fit

This tender for motor vehicle insurance requires a clear understanding of the contracting authority's needs and a competitive pricing strategy. While social and innovative aspects are absent, demonstrating robust technical capability and a streamlined administrative process will be crucial for success.

Key Winning Messages

Reliable and Comprehensive Insurance Coverage for the Ministry's Fleet

Cost-Effective and Efficient Insurance Solutions

Seamless Administrative Process for Public Sector Procurement

Key Opportunities
Leverage the absence of specified evaluation criteria to focus on a strong price-quality ratio, assuming price will be a significant factor.
Capitalize on the straightforward nature of the tender (no green or social aspects) by focusing on core insurance competencies and efficient bid preparation.
Thoroughly analyze the 'Lisa Kindlustatavate liiklusvahendite nimekiri Liiklus 2026' to ensure accurate and competitive pricing for all vehicle types.
Key Challenges
The absence of specified evaluation criteria makes it difficult to ascertain the exact weighting of different aspects of the bid, potentially leading to misallocation of resources.

Assume price will be a primary driver given the estimated value and lack of other specified criteria. Focus on delivering a highly competitive price while ensuring all mandatory technical requirements are met comprehensively.

Potential for a highly competitive market given the relatively low estimated value and straightforward requirements, leading to price wars.

Focus on operational efficiency to offer a lean price. Highlight any unique service aspects (e.g., speed of claims processing, dedicated account management) that can justify a slightly higher price if necessary, but prioritize aggressive pricing.

Ideal Bidder Profile
An established insurance provider with a proven track record in public sector procurement, possessing the capacity to offer both traffic and comprehensive (casco) insurance for a diverse fleet of vehicles. The ideal bidder will have efficient claims handling processes and a competitive pricing structure.
Key Requirements
Ability to provide traffic and casco (comprehensive) insurance.
Coverage for the specific vehicles listed in the provided Excel files (Lisa Kindlustatavate liiklusvahendite nimekiri Liiklus 2026).
Electronic bid submission by the deadline (2026-04-21 09:00:00).
Completion and submission of the Hankepass (ESPD) with accurate declarations.
A clear and competitive price for the insurance services.
Key Discriminators
A highly competitive and transparent pricing structure.
Demonstrated experience and efficiency in handling public sector insurance contracts.
A streamlined and user-friendly claims process.
Proactive communication and dedicated support for the contracting authority.
Social Value Opportunities
While not explicitly required, consider a subtle mention of commitment to local employment or responsible business practices within the general declarations, if permissible and without adding cost.
Bid Focus Areas
PriceN/A (assumed high)

Develop a highly competitive pricing model by optimizing operational costs and leveraging economies of scale. Conduct thorough competitor analysis if possible to benchmark pricing.

Technical Capability (Traffic & Casco Insurance)

Clearly articulate the ability to provide both insurance types, referencing existing licenses and expertise. Ensure the bid explicitly confirms coverage for all vehicle types listed.

Administrative Compliance

Meticulously complete all required documentation, especially the Hankepass (ESPD), ensuring accuracy and adherence to all submission instructions. Double-check all deadlines and formats.

Recommendations5
Thorough Vehicle List Analysis
CriticalMed effort

Conduct an in-depth analysis of 'Lisa Kindlustatavate liiklusvahendite nimekiri Liiklus 2026' to accurately assess risk and cost for each vehicle type. This will inform a precise and competitive pricing strategy.

Ensures accurate pricing, avoids under/over-quoting, and demonstrates attention to detail.
Aggressive Pricing Strategy
HighMed effort

Given the lack of specified evaluation criteria beyond mandatory compliance, prioritize offering a highly competitive price. This will likely be the primary differentiator.

Increases the likelihood of winning by meeting the presumed main evaluation factor.
Meticulous Hankepass (ESPD) Completion
CriticalHigh effort

Ensure the Hankepass (ESPD) is completed accurately and comprehensively, providing all necessary declarations and confirmations. Any errors or omissions here can lead to disqualification.

Avoids exclusion from the tender process.
Highlight Claims Efficiency
MediumLow effort

While not explicitly requested, subtly highlight the efficiency and speed of the claims handling process. This adds value beyond just the policy cost.

Adds a qualitative benefit that can sway decision-making if price is very close.
Confirm All Mandatory Requirements
HighMed effort

Create a checklist of all mandatory requirements (eligibility, technical, submission) and ensure each is explicitly addressed and confirmed in the bid. This includes confirming legal entity status and insurance provision capabilities.

Prevents disqualification due to non-compliance with mandatory criteria.
Competitive Positioning
Position the bid as the most cost-effective yet reliable insurance solution for the Ministry's fleet. Emphasize operational efficiency and a straightforward administrative process to appeal to a public sector buyer focused on value and compliance.

Competitors

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Requirements & Qualifications

17 requirements across 5 categories

Submission (9)
Mandatory (1)
Compliance (3)
Technical (3)
Financial (1)
SUBMISSION REQUIREMENTS9
--Bids must be submitted electronically.
--Bids must include a price for the insurance services.
--Bids must be submitted by the deadline: 2026-04-21 09:00:00.
MANDATORY EXCLUSION GROUNDS1
--No specific exclusion grounds mentioned, but general compliance with tender rules is implied.
ELIGIBILITY REQUIREMENTS3
--Must be a legal entity capable of providing insurance services.
--Must be able to provide insurance for traffic and casco (comprehensive) insurance.
--Must be able to provide insurance for the listed vehicles.
TECHNICAL CAPABILITY REQUIREMENTS3
--Ability to provide traffic insurance.
--Ability to provide casco (comprehensive) insurance.
--Ability to cover the specific vehicles listed in the provided Excel files.
FINANCIAL REQUIREMENTS1
--The total value of the tender is 75000.0 EUR.

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Documents

8 documents available with AI summaries

VastavustingimusedPDF
307189_vastavustingimused.pdf -- 10.6 KB

The tender document outlines conditions for joint bids, business secret submission, bid submission, cost presentation, declarations and confirmations, and compliance with environmental requirements.

Lisa 2 Avaldus ja kinnitusedDOC
Lisa 2 Avaldus ja kinnitused.docx -- 16.2 KB

Bidders must submit a declaration and confirmations stating they have reviewed and agree to the tender conditions, their offer is valid, and confirming the absence of a joint bid or its participants.

Hindamiskriteeriumid ja hinnatavad näitajadPDF
307189_hindamiskriteeriumid.pdf -- 5.1 KB

The contracting authority, the Ministry of Education and Research, is seeking insurance services for motor third-party liability and comprehensive insurance, where the bid price is the sole evaluation criterion and the lowest price receives maximum points.

Hankepass täiendatavate selgitustegaPDF
307189_hankepass_taiendavate_selgitustega.pdf -- 63.7 KB

The procurement passport (ESPD) is a self-declaration by the economic operator, serving as preliminary evidence instead of certificates issued by authorities or third parties, and includes the contracting authority's conditions and expected response formats.

Lisa 3 Ühise pakkumuse volikiriDOC
Lisa 3 Ühise pakkumuse volikiri.docx -- 14.6 KB

This document is a power of attorney authorizing one joint bidder to represent all joint bidders in the procurement procedure and contract conclusion.

Lisa Kindlustatavate liiklusvahendite nimekiri Kasko 2026XLS
Lisa Kindlustatavate liiklusvahendite nimekir... -- 29.3 KB

This document lists the vehicles to be insured along with their details, necessary for preparing a casco insurance bid.

Lisa Kindlustatavate liiklusvahendite nimekiri Liiklus 2026XLS
Lisa Kindlustatavate liiklusvahendite nimekir... -- 54.0 KB

The contracting authority provides a list of insurable vehicles that the bidder must consider when offering insurance services.

Selgitav dokument koos lisadega, sh lisa 1 Tehniline kirjeldusPDF
Selgitav dokument koos lisadega_ Kindlustuste... -- 158.7 KB

The Ministry of Education and Research is procuring traffic and comprehensive insurance services, with offers to be submitted electronically.

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75
Good

Tender Quality Score

This tender for insurance services is generally well-structured with clear documentation and a straightforward evaluation process. However, it lacks specific details on contract duration and explicit sustainability criteria.

Score Breakdown

Legal Compliance75/100

The tender adheres to general legal compliance by providing a clear procedure, a relevant CPV code, and a reasonable submission deadline. There are no immediate indications of disputes or regulatory non-compliance.

Clarity80/100

The description of the required insurance services is clear, and the AI-extracted requirements provide a good overview. The evaluation criterion (lowest price) is explicitly stated, contributing to clarity.

Completeness70/100

Most basic information is present, including the estimated value and deadlines. However, the contract duration is not specified, and some documents are marked as 'not required' which could lead to confusion.

Missing contract duration
Fairness85/100

The tender promotes fairness through e-submission and e-procurement. The evaluation criterion is objective (lowest price). Access to documents appears to be full, and the value is disclosed. No specific company tailoring is evident.

Practicality65/100

E-submission and e-procurement are supported. However, the lack of a specified contract start date and financing information reduces practicality. The URL for the opening place is provided.

Missing contract start date
Missing financing information
Data Consistency90/100

Key fields such as title, reference, organization, and deadlines are populated. The dates are logical, and there are no indications of suspension or disputes, ensuring good data consistency.

Sustainability50/100

The tender mentions 'Green Procurement' as a characteristic, but no specific criteria or targets are detailed within the provided information, limiting its impact.

Lack of specific green procurement criteria

Strengths

Clear description of services
Objective evaluation criterion (lowest price)
E-submission and e-procurement enabled
Relevant CPV code provided

Concerns

Missing contract duration
Missing contract start date
Lack of specific sustainability criteria

Recommendations

1. Specify the contract duration.
2. Include concrete details on green procurement requirements.
3. Clarify the contract start date.

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