Used by 2,400+ policyholders

Dispute a lowball insurance payout

Upload damage photos, describe what happened, and enter the insurer's offer. We analyse the damage, estimate a fair repair cost in EUR, and deliver a formal dispute letter — within 24 hours.

Vehicle and home damage in Lithuania, Latvia and Estonia. No account required.

See how it works

Type of damage

€

Estimated repair cost

€800 – €3,200

Estimate your recovery in seconds

Enter your damage description above to see a real estimate.

€4,200
avg. recovery
94%
success rate
24 hrs
to get your letter

Money-back guarantee

If your insurer doesn't respond to our dispute letter within 30 days, you get a full refund — no questions asked.

How it works

Three steps. Letter in 24 hours.

  1. 1

    Upload your damage photos

    Add up to 10 photos of the damage. Our specialists analyse every image and identify exactly what was harmed.

  2. 2

    Answer a few targeted questions

    We'll ask only the details that actually move the number — vehicle year, materials, prior repairs — nothing else.

  3. 3

    Get your dispute letter

    You'll receive a realistic repair cost range and a formal dispute letter ready to send to your insurer.

Built for policyholders in Lithuania, Latvia and Estonia

Vindiko is online only — there is no office to visit and nothing to look up on a map. What matters instead is that the estimate and the letter fit the market your policy was written in: amounts in EUR, the repair rates that actually apply there, and the escalation route your insurer is obliged to follow.

Written for offers from
Lietuvos draudimas, BTA, Balta, If, ERGO, Compensa, Gjensidige, Balcia, Salva and Seesam.
If the insurer still refuses
Lithuania: the Bank of Lithuania settles consumer disputes with insurers out of court. Latvia: the insurance ombudsman of the Latvian Insurers Association, with Latvijas Banka supervising. Estonia: the insurance conciliation body at the Estonian Insurance Association, with Finantsinspektsioon supervising.

Simple pricing

Start for free. Buy credits only when you need the full letter.

Free

€0

Quick estimate, no account needed.

  • Automated damage assessment
  • Quick cost estimate
  • No photo uploads
  • Formal dispute letter
  • Follow-up templates
  • Priority support

100 dispute credits

Custom

For high-volume users — get in touch for pricing

  • Expert damage assessment
  • Full estimate with line items
  • Up to 10 photo uploads
  • Formal dispute letter
  • Follow-up templates
  • Priority support

Frequently asked questions

Everything you need to know before you start.