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Ordering insurance services for properties belonging to the city of Sillamäe

Closed

Updated October 12, 2026

Submission Deadline Has Passed

This tender's submission deadline has passed and is no longer accepting applications. The information below is kept for reference purposes.

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Deadline
Expired
February 23, 2026
Contract Details
Category
Services
Reference
305750
Value
€26,832
Location
Estonia
Published
February 06, 2026
CPV Code
Evaluation Criteria
Cost100%
Project Timeline

Tender Published

February 06, 2026

Deadline for Questions

February 16, 2026

Submission Deadline

February 23, 2026

Tender Opening

February 23, 2026

Contract Start Date

April 01, 2026

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Key facts

Estimated value
€26,832
Deadline
Expired
CPV Code
66515000-3 — Damage or loss insurance services
Procedure
Simplified procedure
Budget
€26,832
Duration
Not specified
Location
Estonia
Type
Services
80
Quality Score/100
Excellent
Market Benchmark
Avg. Winning Price
€844,224
Avg. Bids
3.1
Competition
Medium
SME Winners
69%
297 tenders analyzed

Original Tender Description

The subject of the procurement is the provision of property and liability insurance services for 12 calendar months in the period from 01.04.2026 to 31.03.2027 for properties belonging to the city of Sillamäe, under the conditions set out in the procurement notice, RHAD, and their annexes.
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60%
Estimated Win ProbabilityModerate Fit

This tender for property and liability insurance for Sillamäe City Government is a price-driven opportunity. Success hinges on submitting the lowest compliant bid while demonstrating robust financial and technical capability. Focus on meticulous bid preparation, accurate cost estimation, and clear articulation of coverage to meet all technical specifications.

Key Winning Messages

The most cost-effective and comprehensive all-risk insurance solution for Sillamäe City Government's assets.

A reliable and financially sound partner committed to meeting all specified coverage requirements.

Key Opportunities
Price-driven evaluation (100% cost) allows for significant competitive advantage for the lowest bidder.
Clear technical specifications (all-risk, sum insured) simplify bid preparation for experienced insurers.
The absence of green and social value requirements simplifies the bid focus to core insurance and price.
Key Challenges
Achieving the lowest price while ensuring full compliance and profitability.

Conduct thorough cost analysis, optimize operational efficiencies, and leverage existing policy structures to offer the most competitive premium without compromising coverage.

Potential for high competition from established insurers in the region.

Focus on a highly competitive price and ensure all technical and administrative requirements are met flawlessly to avoid disqualification. Highlight any unique service aspects or risk management expertise if possible, even if not explicitly evaluated.

Ideal Bidder Profile
An established insurance provider with a strong track record in municipal or public sector insurance, possessing the financial stability to underwrite a significant sum insured (73,466,312 EUR), and a demonstrated ability to offer all-risk coverage at a highly competitive price. Experience with Estonian procurement procedures and familiarity with the specific assets of Sillamäe City Government would be advantageous.
Key Requirements
Lowest Price Bid (100% Cost Evaluation)
All-risk insurance coverage
Insurance sum of 73,466,312 EUR
Compliance with ESPD (Mandatory Exclusion Grounds, Financial & Technical Capability, Past Experience)
Submission of specific forms (Form 1, Form 3, Form 2 if applicable)
Methods for valuing assets included
Insurance conditions included with the bid
Key Discriminators
The lowest submitted price that meets all technical and administrative requirements.
Exceptional clarity and completeness in the bid documentation, particularly regarding insurance conditions and asset valuation methods.
Social Value Opportunities
While not a formal requirement, consider a brief statement in the bid about the company's commitment to ethical business practices and local economic contribution, which can subtly enhance perception without adding cost.
Bid Focus Areas
Cost100%

Aggressively price the bid to be the lowest. Conduct detailed cost-benefit analysis to determine the absolute lowest viable price. Ensure all costs are accurately reflected in Form 3.

Recommendations6
Master the Pricing Strategy
CriticalHigh effort

Given the 100% cost evaluation, meticulously calculate the lowest possible premium that is still profitable. Benchmark against market rates and the estimated contract value (26832.0 EUR) to ensure competitiveness. Ensure Form 3 is accurately completed with the lowest viable cost.

Directly determines bid success.
Ensure Flawless ESPD and Form Completion
CriticalMed effort

Thoroughly review and complete the ESPD (file 305750_ESPD_v2.0_laiendatud.xml) and all required forms (Form 1, Form 3, and Form 2 if applicable). Any errors or omissions in these mandatory documents will lead to disqualification.

Prevents disqualification.
Demonstrate Comprehensive All-Risk Coverage
CriticalMed effort

Clearly articulate how the proposed insurance meets the 'all-risk' requirement as per RHAD Lisa 1. Ensure the insurance conditions document explicitly confirms this and covers all specified assets.

Meets a critical technical requirement.
Clarify Asset Valuation Methods
HighMed effort

Provide a clear and robust methodology for valuing the Sillamäe City Government's assets as required. This should be detailed enough to assure the contracting authority of accurate valuation for the sum insured.

Addresses a specific technical requirement and builds confidence.
Verify Sum Insured Alignment
HighLow effort

Double-check that the proposed insurance coverage aligns precisely with the 73,466,312 EUR sum insured. Any discrepancy could lead to non-compliance.

Ensures compliance with a critical parameter.
Highlight Service Reliability (Subtle)
MediumLow effort

While price is paramount, subtly emphasize the company's reliability, financial strength, and experience in handling municipal insurance. This can be done through the ESPD's past experience section or a brief cover letter if permitted.

Builds confidence beyond price.
Competitive Positioning
Position as the most cost-effective provider of comprehensive all-risk insurance, meeting all technical specifications without compromise. Emphasize efficiency and streamlined operations that enable the lowest price.

Competitors

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Requirements & Qualifications

20 requirements across 5 categories

Submission (10)
Mandatory (1)
Compliance (2)
Technical (6)
Financial (1)
SUBMISSION REQUIREMENTS10
--The bid must be submitted by 23.02.2026 at 09:00:00.
--The bid must follow the specified bid structure.
--The bid must include the cost of the bid, using Form 3 "Kindlustusobjektid ja Pakkumuse maksumus.xls".
MANDATORY EXCLUSION GROUNDS1
--The tenderer must meet the requirements of the European Single Procurement Document (ESPD) regarding mandatory exclusion grounds, company data, financial and technical capability, and past experience.
ELIGIBILITY REQUIREMENTS2
--The tenderer must be capable of providing non-life insurance services.
--The tenderer must be willing to conclude a contract according to the provided draft framework agreement.
TECHNICAL CAPABILITY REQUIREMENTS6
--The offered insurance service must cover objects owned by Sillamäe City Government.
--The insurance sum must be 73,466,312 EUR.
--The bid must include methods for valuing assets.
FINANCIAL REQUIREMENTS1
--The tenderer must meet the financial capability conditions described in the ESPD.

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Documents

9 documents available with AI summaries

VastavustingimusedPDF
305750_vastavustingimused.pdf -- 5.9 KB

This document outlines mandatory tender submission conditions, covering power of attorney for joint tenders, tender structure, cost presentation, and the inclusion of proposed insurance conditions.

Hindamiskriteeriumid ja hinnatavad näitajadPDF
305750_hindamiskriteeriumid.pdf -- 3.2 KB

The tender for insurance services for properties owned by Sillamäe city will be evaluated solely based on cost (100% weight), with the lowest price bid being deemed the most successful.

Hankepass täiendatavate selgitustegaPDF
305750_hankepass_taiendavate_selgitustega.pdf -- 37.8 KB

This document is an explanatory European Single Procurement Document (ESPD) template outlining the conditions and required information for bidders regarding their company details, financial and technical capacity, and past experience, but it is not for direct submission.

RHAD Lisa 1 Tehniline kirjeldusPDF
Riigihanke korraldamine Kindlustusteenus RHAD... -- 317.5 KB

This document outlines the technical requirements for property insurance services for Sillamäe City Government's assets, including insured objects, sum insured (73,466,312 EUR), valuation methods, and all-risk coverage conditions for the period 01.04.2026 – 31.03.2027.

RHAD Lisa 2 Kindlustuse raamlepingu projektPDF
Riigihanke korraldamine Kindlustusteenus RHAD... -- 197.8 KB

This document is a draft framework agreement provided by Sillamäe Linnavalitsus for the provision of insurance services, outlining the terms and obligations of the future insurance contract.

RHAD KindlustusteenusPDF
Riigihanke korraldamine Kindlustusteenus RHAD... -- 340.3 KB

This procurement basic document outlines the general terms, subject matter, deadlines, and submission procedures for Sillamäe City Government's insurance service tender for properties owned by Sillamäe city.

Vorm 1 VolikiriDOC
Vorm 1 Volikiri.docx -- 16.0 KB

This is a power of attorney form for the public procurement "Ordering insurance services for objects owned by the city of Sillamäe", which must be completed with the bidder's details and submitted as part of the offer.

Vorm 2 Ühise pakkumuse volikiriDOC
Vorm 2 Ühise pakkumuse volikiri.docx -- 16.2 KB

This document is a power of attorney form to be completed by joint bidders, authorizing one party to submit the tender on their behalf.

Vorm 3 Kindlustusobjektid ja Pakkumuse maksumusXLS
Vorm 3 Kindlustusobjektid ja Pakkumuse maksum... -- 57.0 KB

No summary available for this document.

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80
Excellent

Tender Quality Score

This tender for insurance services is generally well-structured and transparent, but suffers from minor inconsistencies regarding document submission and evaluation criteria, and lacks sustainability considerations.

Score Breakdown

Legal Compliance75/100

The tender generally complies with legal requirements, including reasonable deadlines and clear procedure type. However, there is a contradiction regarding the mandatory submission of the ESPD and an inconsistency in the stated evaluation criteria (relative weighting vs. 100% cost).

•Contradiction regarding mandatory ESPD submission (Document 2 vs. AI-extracted requirements).
•Inconsistency in evaluation criteria (Characteristics field states 'relative_weighting', while Document 4 and AI-extracted requirements state '100% cost').
Clarity80/100

The description, requirements, and evaluation criteria are largely clear and well-documented. However, the contradictions regarding ESPD submission and evaluation criteria introduce some ambiguity for potential bidders.

•Ambiguity regarding ESPD submission requirements.
•Inconsistency in evaluation criteria description.
Completeness90/100

All essential information, including basic details, financial data, timelines, classification, and procurement characteristics, is provided. A comprehensive set of documents is attached, covering technical specifications, draft contract, and submission forms.

•Minor inconsistency with 'Value Classified: Yes' despite the estimated value being explicitly stated.
Fairness95/100

The tender demonstrates high fairness with full document access, disclosed value, reasonable preparation time, and objective, transparent evaluation criteria (100% cost). E-procurement is enabled, and requirements appear generic, not tailored to a specific company.

Practicality85/100

Electronic submission is supported, and key dates like contract start and duration are clearly specified. Financing information is available. The ambiguity surrounding ESPD submission could pose a minor practical challenge for bidders.

•Ambiguity in ESPD submission instructions could lead to practical difficulties for bidders.
Data Consistency70/100

While most key fields are populated and dates are logical, there are notable inconsistencies. The primary issues are the conflicting instructions for ESPD submission and the contradictory statements regarding the evaluation criteria.

•Contradictory instructions for ESPD submission.
•Inconsistent description of evaluation criteria.
Sustainability20/100

The tender does not include any explicit green procurement, social, or innovation criteria. This represents a missed opportunity to integrate sustainability aspects into the procurement process.

•Absence of green procurement criteria.
•Absence of social aspects.

Strengths

Clear and comprehensive description of the procurement subject.
Reasonable submission deadline and full document access ensuring fair competition.
Objective and transparent evaluation criteria (100% cost).
Electronic submission and e-procurement enabled.
All essential tender information and documents are provided.

Concerns

Contradictory instructions regarding the mandatory submission of the European Single Procurement Document (ESPD).
Inconsistency in the stated evaluation criteria (relative weighting vs. 100% cost).
Lack of any explicit green, social, or innovation sustainability criteria.

Recommendations

1. Clarify the mandatory requirements for ESPD submission to avoid bidder confusion.
2. Ensure consistency in the description of evaluation criteria across all tender documents and fields.
3. Consider integrating relevant sustainability (green, social, innovation) criteria in future tenders where applicable.

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