Casco (own-damage car insurance) — Latvia

[1] Own damage: Covered ↩

Balcia pays compensation if the insured vehicle suffers damage (including loss) from any sudden and unforeseen external event not listed as an exclusion, e.g. fire, natural disasters, or third-party unlawful acts including vandalism; compensation is based on the sum insured (market value or new value) stated in the policy.

Mēs izmaksāsim apdrošināšanas atlīdzību, ja jebkāda pēkšņa un neparedzēta ārēja notikuma rezultātā Apdrošināšanas objektam nodarīti bojājumi (t.sk. zudums).

[2] Total loss: Covered ↩

A vehicle is considered a total loss (Bojāeja) when the repair cost needed exceeds 70% of its market value immediately before the loss. Compensation is calculated at market value, or at new value if the vehicle is under 2 years old, has under 60,000 km mileage, and has had a single owner since first registration; otherwise market value applies.

Jaunvērtībā, ja polisē norādītā Apdrošinājuma summa ir noteikta kā Jaunvērtība un izpildās visi sekojošie nosacījumi: Transportlīdzekļa faktiskais nobraukto kilometru skaits apdrošināšanas gadījuma iestāšanās dienā nepārsniedz 60 000 km, Transportlīdzeklis nav vecāks par 2 (diviem) gadiem, Transportlīdzeklim kopš tā pirmās reģistrācijas brīža ir bijis viens īpašnieks.

[3] Partial loss: Covered ↩

For damage that does not amount to a total loss, Balcia pays for the repair, arranges a replacement, or pays cash compensation (excluding taxes), aiming to restore the vehicle to the condition it was in before the insured event.

Lai novērstu Tev Apdrošināšanas gadījuma rezultātā nodarītos zaudējumus, Mēs apmaksāsim Apdrošināšanas objekta remonta izdevumus, nodrošināsim tā aizvietošanu vai arī izmaksāsim Tev atlīdzību naudā.

[4] Theft & robbery: Covered ↩

Covers secret or open taking of the vehicle, including where associated with violence or the threat of violence. Indemnity is based on the vehicle's market value or new value, per the same criteria used for total loss. If theft/robbery occurs in CIS territory, the deductible is doubled, with a minimum of 20% of the payable indemnity.

Ja ir notikusi zādzība vai laupīšana NVS valstu teritorijā, Pašrisks tiek aprēķināts divkāršā apmērā no apdrošināšanas polisē noteiktā, bet ne mazāk, ka 20% apmērā no izmaksājamās atlīdzības.

[5] Glass damage: Covered ↩

Covers breakage of the vehicle's windows, roof, or panoramic glass when this is the only damage caused by the insured event.

Stiklu plīsums - Transportlīdzekļa logu, jumta vai panorāmas stiklu plīsums, ja tas ir vienīgais apdrošināšanas gadījuma rezultātā nodarītais bojājums.

[6] Natural perils: Covered ↩

Covers direct effects of storms, floods, lightning and hail, as well as damage from objects that fell as a result of these natural events, together with fire, smoke, soot and firefighting effects.

Dabas stihijas - vētras, ūdens plūdu, zibens un krusas, kā arī dažādu krītošu priekšmetu, kuru krišanu izraisīja iepriekš minētās dabas stihijas, tieša iedarbība.

[7] Vandalism: Covered ↩

Covers deliberate damage to or destruction of the insured vehicle by the actions of a third party (vandalism), as part of the general 'damages' peril in the policy.

Vandālisms — fiziskas personas darbība, kuras mērķis ir Apdrošināšanas objekta tīša bojāšana vai iznīcināšana.

[8] Roadside assistance: €500 ↩

Included for vehicles up to 3.5 tonnes: vehicle start-up, tyre pressure restoration/spare wheel fitting, fuel delivery (up to 10 litres per period; EV towed to nearest working charging station), recovery/rescue works, transport to chosen workshop or nearest guarded parking (up to 5 days' parking costs), hotel or alternative transport if towed by evacuator, and spare key delivery/vehicle opening. For vehicles over 3.5 tonnes, recovery works, transport to workshop/parking and hotel/alternative transport are covered. Overall benefit is capped at EUR 500 per insurance period.

Diennakts autopalīdzība līdz 500 EUR

[9] Replacement vehicle: Optional ↩

A replacement vehicle is provided from day 1 of a claim being filed, for up to 30 calendar days per insurance period, if the insured vehicle cannot be used following an insured event (incl. while being repaired) or after theft/robbery; for total loss/theft/robbery it runs until the claim is fully settled.

Papildriski: Bezmaksas maiņas auto

[10] Driver accident: €4,300 ↩

An optional additional risk (Papildrisks), governed by separate terms (Nr. LV-01/04-02), covering death, permanent disability, injuries/fractures (per a payout schedule), medical expenses (within 30 months of the accident), and 'family comfort' expenses following a road traffic accident involving the insured vehicle. The IPID states a sum-insured cap of up to EUR 4,300 for this benefit.

Nelaimes gadījumu apdrošināšana līdz 4 300 EUR

[11] Own damage: Covered ↩

Any sudden and unforeseen physical damage to the vehicle is covered up to the insured sum, which equals the vehicle's market value at the moment of loss unless a fixed sum is stated in the policy.

[12] Total loss: Covered ↩

In case of write-off, indemnity is the insured sum minus 1% depreciation per full policy month and the applicable deductible; BALTA may instead replace the vehicle with an equivalent one.

[13] Partial loss: Covered ↩

Costs are covered so the vehicle is restored to its pre-loss condition; the policyholder chooses direct payment of the accepted repair invoice or a cash indemnity.

[14] Theft & robbery: Covered ↩

Covers open or covert theft/robbery of the vehicle and damage inflicted while stolen. Full compensation applies if keys/remotes/registration were stolen from locked premises; only 50% if they were lost or stolen from a public place.

[15] Glass damage: Covered ↩

Windshield damage is covered under the base all-risk cover; no deductible is applied if the windshield is the only damaged part and it is repaired (not replaced with a full claim).

[16] Natural perils: Covered ↩

Damage caused by natural disasters (storm, hail, flood, lightning, earthquake, landslide, heavy rain/snow) is covered under the all-risk base cover, with no separate sub-limit stated for Platīna KASKO.

[17] Vandalism: Covered ↩

Losses caused by fire, road traffic accidents or unlawful actions of third parties (vandalism) are covered under the base all-risk cover.

[18] Roadside assistance: Covered ↩

"Palīdzība uz ceļa Plus" (roadside assistance Plus) is a core risk of Platīna KASKO; service limits are set out in a separate appendix to the policy.

[19] Replacement vehicle: Optional ↩

Available as an additional risk ("Lietošanas pārtraukšanas apdrošināšana"/replacement vehicle) that must be purchased separately; provides a rental car delivered/collected at a convenient location, or taxi/car-sharing services capped at 20 EUR per day per the policy's allowed number of days.

nomas auto – pie BALTA sadarbības partneriem saskaņā ar polisē noteikto aizvietošanas auto izmantošanas dienu skaitu. Nomas auto tiks gan piegādāts, gan paņemts Tev ērtā vietā; taksometra pakalpojumi – saskaņā ar polisē noteikto aizvietošanas auto izmantošanas dienu skaitu, nepārsniedzot 20 eiro dienā;

[20] Driver accident: See details ↩

Not included in Platīna KASKO.

[21] Own damage: Covered ↩

Core cover for any sudden and unforeseen damage to the vehicle, except contractual exceptions. If repair is technically possible and economically justified, the insurer reimburses the cost of restoring the vehicle to its pre-loss condition.

Bojājumi, šo noteikumu izpratnē ir jebkāds Transportlīdzekļa pēkšņs un neparedzēts bojājums, izņemot Līgumā paredzētos izņēmuma gadījumus;

[22] Total loss: Covered ↩

A vehicle is a total loss when restoration is technically impossible or economically unjustified (repair cost exceeds pre-accident value minus salvage). In this case, indemnity equals the vehicle's market value immediately before the accident minus salvage value and deductible.

Pilnīga bojāeja (norakstīšana) – transportlīdzekļa stāvoklis pēc negadījuma, kad tā atjaunošana nav tehniski iespējama vai ir ekonomiski nepamatota.

[23] Partial loss: Covered ↩

Where repair is technically possible and economically justified, the insurer covers the cost of repairing the vehicle to its pre-loss condition, subject to the applicable deductible.

ja Transportlīdzekļa remonts ir tehniski iespējams un ir ekonomiski pamatots, tad Apdrošinātājs atlīdzina izdevumus, lai atjaunotu Transportlīdzekli tādā stāvoklī, kāds ir līdzvērtīgs stāvoklim, kādā Transportlīdzeklis bija pirms apdrošināšanas gadījuma iestāšanās;

[24] Theft & robbery: Covered ↩

Core cover for open or covert theft/robbery of the vehicle (excluding embezzlement, extortion and fraud) and for theft of built-in vehicle parts (burglary). If not all keys/security-device controllers are surrendered to the insurer, indemnity is reduced to 50% unless specific exceptions apply. Coverage requires that the vehicle was fitted with, and using, the security systems stated in the contract.

Zādzība un laupīšana, šo noteikumu izpratnē ir Transportlīdzekļa atklāta vai slepena nolaupīšana, izņemot piesavināšanos, izspiešanu, krāpšanu un Līgumā paredzētos izņēmuma gadījumus;

[25] Glass damage: Optional ↩

Optional add-on (must be specifically agreed in the contract) covering front, rear and side windows, sunroof, panoramic roof and roof glazing damage, including cracks from temperature changes, with no deductible and no limit on the number of claims during the policy period at partner service centres or the relevant brand's dealer service.

Visu stiklu apdrošināšana bez paša riska – tiek atlīdzināti zaudējumi par Transportlīdzekļa priekšējā (vēja), aizmugurējā un sānu stiklu, stikla lūkas, panorāmas lūkas un jumta stiklojuma bojājumiem, t.sk. par plīsumu, kas radies temperatūras izmaiņu rezultātā.

[26] Natural perils: Covered ↩

Damage from natural events falls under the core 'Bojājumi' (sudden and unforeseen damage) cover, but the insurer does not pay indemnity for losses caused by large-scale natural catastrophes (e.g. earthquakes, major landslides affecting many people), war, riots or similar events.

ja zaudējumi radušies dabas katastrofas (zemestrīces, zemes nogruvumi u.c., kas saistīti ar lielu skaitu cietušo iedzīvotāju), kara, invāzijas, dumpja, masu nemieru, revolūcijas, sacelšanās, militārās vai uzurpētās varas un jebkuras valsts institūcijas veikta īpašuma aresta, teroristu vai teroristisku grupējumu darbības, jonizējošās radiācijas iedarbības rezultātā;

[27] Vandalism: Covered ↩

Damage caused by unlawful acts of third parties is covered under the core all-risks 'Bojājumi' definition and under the theft/robbery and burglary risks, which explicitly reference damage from unlawful third-party conduct.

Apzagšana, šo noteikumu izpratnē ir jebkuru Transportlīdzeklī iebūvētu daļu atklāta vai slepena nolaupīšana

[28] Roadside assistance: €1,000 ↩

Optional add-on, valid only if noted on the policy, providing 24/7 phone consultation, roadside help and evacuation across the EU for vehicles up to 3,500 kg. Assistance is unlimited in Latvia (with an exception for repeat unresolved defects); outside Latvia the cost limit is 1,000 EUR per roadside-assistance case and 1,000 EUR per evacuation case.

Ārpus Latvijas robežām viena palīdzības uz ceļa pakalpojuma izmaksu limits ir 1 000 EUR (viens tūkstotis euro un 00 centri):

[29] Replacement vehicle: €450 ↩

Optional add-on reimbursing rental car costs when the vehicle cannot be used due to an insured event, calculated without deducting the deductible. Reimbursement is capped at 30 EUR per day and a maximum of 15 calendar days during the policy period (maximum total benefit approx. 450 EUR).

apdrošināšanas atlīdzība par vienu diennakti tiek izmaksāta faktisko nomas izdevumu apmērā, bet ne vairāk kā 30 EUR (trīsdesmit euro un 00 centi).

[30] Driver accident: Covered ↩

The IPID states that accident insurance for the driver and passengers is included in the CASCO product in the event of a road traffic accident recognised as an insured event. The base T&C describe this as governed by separate accident-insurance terms specified in the contract.

Produktā ir iekļauta arī transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana.

[31] Own damage: Covered ↩

Covers damage to the insured vehicle caused by unforeseen circumstances (e.g. collision with an object, obstacle, animal, overturning); compensation is capped at the vehicle's market value or agreed new value, less deductible and unpaid premium.

Mēs apdrošinām Jūsu transportlīdzekli zādzības, laupīšanas, bojāejas un bojājumu gadījumiem, ja tie notiek neparedzamu apstākļu dēļ.

[32] Total loss: Covered ↩

A vehicle is considered totally lost (bojāeja) when repair costs exceed 70% of its market value or new value; BTA compensates up to the market value (or new value if that optional cover was purchased), less deductible, unpaid premium and any retained wreck value.

Bojāeja – transportlīdzekļa stāvoklis, kad remonts maksā vairāk nekā 70 % no transportlīdzekļa tirgus vērtības vai jaunvērtības.

[33] Partial loss: Covered ↩

Covers repair costs for the damaged vehicle, its parts or components to restore it to its pre-accident condition; repairs must be carried out for the amount approved by BTA at an accepted repair company, or reimbursed to a repair company of the customer's choice minus deductible.

Atlīdzinām remonta izmaksas par bojāto transportlīdzekli, tā detaļām vai daļām, lai atjaunotu to iepriekšējā stāvoklī – tādā, kādā transportlīdzeklis bija pirms negadījuma.

[34] Theft & robbery: Covered ↩

Covers theft (secret or open removal of the vehicle) and robbery (removal involving violence or threat of violence) of the insured vehicle, compensated up to market value (or new value if purchased), less deductible and other deductions.

Zādzība – slepena vai atklāta transportlīdzekļa, papildaprīkojuma vai bagāžas nolaupīšana vai nolaupīšanas mēģinājums, ja transportlīdzeklis, papildaprīkojums vai bagāža ir pārvietoti no vietas, kur tos bija atstājis lietotājs.

[35] Glass damage: Covered ↩

Covers repair or replacement of the windscreen, window glass, sunroof glass and roof glass; a separate, typically lower 'glass deductible' applies if glass damage is the only damage from the event.

Stikli – transportlīdzekļa vējstikls, logu stikli, jumta lūkas stikls un jumta stikli.

[36] Natural perils: Covered ↩

Listed as a base risk in the product information document; covers vehicle damage caused by natural disasters such as storms, flooding, lightning and hail as part of the 'damage caused by unforeseen circumstances' basic cover.

Dabas stihijas risks;

[37] Vandalism: Covered ↩

Listed as a base risk ('third parties' unlawful action risk') in the product information document, covering damage caused to the vehicle by unlawful acts of third parties such as vandalism.

Trešo personu prettiesiskas darbības risks.

[38] Replacement vehicle: Optional ↩

Optional cover, valid only if selected in the policy, providing a replacement vehicle or reimbursing car-sharing/taxi costs if the insured vehicle cannot be used due to damage, total loss, theft or robbery, subject to a policy-defined maximum daily amount and maximum number of days; if the upgraded 'BTA repair line' option is chosen, no daily cap or day limit applies during repairs at an accepted workshop.

Piedāvājam maiņas transportlīdzekli vai apmaksājam izdevumus par koplietošanas transportlīdzekļa vai taksometra izmantošanu, ja apdrošinātais transportlīdzeklis ir: bojāts tā, ka to nevar lietot ceļu satiksmē; gājis bojā, nozagts vai nolaupīts.

[39] Driver accident: — ↩

A separate accident-insurance-type product that can be attached to the CASCO policy, covering treatment, medication, dressing material and injury costs for the driver and passengers resulting from a vehicle accident; minimum sum insured is EUR 1,500.

Vadītāja un pasažieru nelaimes gadījumu apdrošināšana (minimālā apdrošinājuma summa 1 500 EUR).

[40] Own damage: Covered ↩

Covers any sudden and unforeseen damage to the insured vehicle (e.g. collision, falling objects, fire, explosion, natural perils, third-party wilful damage), except for cases listed as exclusions; indemnity is based on repair cost or market value, less the deductible.

Apdrošināšana sedz jebkurus pēkšņus un neparedzētus bojājumus, kas radušies Jūsu transportlīdzeklim, izņemot gadījumus, kas aprakstīti šo noteikumu 5. sadaļā "Kurus gadījumus neapdrošinām".

[41] Total loss: Covered ↩

If the vehicle is destroyed, stolen or hijacked, indemnity is calculated based on the vehicle's market value at the time of the event, capped at the sum insured stated in the policy if that is lower; deductible and unpaid premium instalments are deducted.

Ja transportlīdzeklis ir pilnībā bojāts vai nozagts, atlīdzību aprēķinām atbilstoši transportlīdzekļa tirgus vērtībai. Ja apdrošināšanas polisē norādītā apdrošinājuma summa ir mazāka par tirgus vērtību, izmaksājam polisē norādīto summu.

[42] Partial loss: Covered ↩

Repair or replacement costs necessary to restore the vehicle to its pre-accident condition are reimbursed, less the applicable deductible; repairs may be carried out at a client-chosen workshop or, if noted in the policy, at an authorised dealer.

Ja transportlīdzeklis ir bojāts vai apzagts, atlīdzinām remonta vai nomaiņas izmaksas, lai atjaunotu transportlīdzekli stāvoklī, kāds tas bija pirms negadījuma.

[43] Theft & robbery: Conditional ↩

Covers open or concealed theft/hijacking of the vehicle and damage occurring while it was stolen, but only if theft/burglary cover is explicitly marked on the insurance policy; theft cover is void if the installed security systems were not activated or in working order.

Transportlīdzeklis ir apdrošināts pret zādzību un apzagšanu tikai tad, ja tas skaidri norādīts Jūsu apdrošināšanas polisē.

[44] Glass damage: Covered ↩

Windscreen, side and rear glass damage is covered under the general damage cover. The policy's glass deductible applies only when the glass is replaced at a Compensa-designated post-warranty service; otherwise the standard damage deductible applies (minimum EUR 160). No deductible applies if the glass is repaired (not replaced) at a designated service.

Polisē norādītais pašrisks stiklojumam tiek piemērots tikai tad, ja stikls tiek mainīts Mūsu norādītā pēcgarantijas servisā. Ja stiklu izvēlaties mainīt citā servisā, tiek piemērots polisē norādītais pašrisks bojājumiem, bet ne mazāk kā 160 eiro katram apdrošināšanas gadījumam.

[45] Natural perils: Covered ↩

Damage from natural perils such as storm, hail, flood, landslide, earthquake, heavy rain, heavy snowfall and lightning is covered under the general damage cover.

dabas stihijas, piemēram, vētra, krusa, plūdi, zemes nogruvums, zemestrīce, stipras lietavas, spēcīga snigšana, zibens;

[46] Vandalism: Covered ↩

Damage or destruction caused by the deliberate actions of a third party is covered under the general damage cover, except for cases falling under the theft or burglary provisions.

trešās personas tīša rīcība, kas sabojājusi vai iznīcinājusi transportlīdzekli, izņemot gadījumus, kas minēti sadaļā "Zādzība" un "Apzagšana".

[47] Roadside assistance: €700 ↩

Available as an optional add-on (governed by the HELP26 terms) if explicitly marked on the policy; provides 24/7 assistance such as evacuation, minor on-site repairs, fuel delivery and driver/passenger transport, with a combined limit of EUR 700 per insured event across the chained services; call +371 6755 8888.

Kopējais atlīdzības limits viena apdrošināšanas gadījuma ietvaros par secīgi sniegtajiem palīdzības uz ceļa pakalpojumiem, proti, konsultāciju pa tālruni, palīdzību uz ceļa, transportlīdzekļa transportēšanu (evakuāciju), vadītāja un pasažieru nogādāšanu un aizvietošanas transportlīdzekli, ir 700 eiro.

[48] Replacement vehicle: Optional ↩

Optional add-on: if the vehicle cannot be used after an insured event, Compensa can provide a rental car (maximum daily cost and number of rental days stated in the policy) without applying a deductible, or reimburse pre-approved rental expenses up to 20 days; separately, under the HELP26 roadside-assistance rider a compact-class rental for up to 3 days can be arranged if repair cannot be completed within 1 working day.

Ja notiek apdrošināšanas gadījums un Jūsu transportlīdzekli vairs nevar lietot, Mēs varam nodrošināt nomas auto vai kompensēt pierādāmus, saprātīgus izdevumus, kas saistīti ar nomas vai citu mobilitātes rīku izmantošanu uz ierobežotu laiku, iepriekš vienojoties ar mums.

[49] Driver accident: Optional ↩

Optional add-on covering injury, disability or death of the driver and passengers, governed by separate driver and passenger accident insurance terms (VPNGA26), applicable only if marked on the policy.

Šis papildu risks attiecas uz transportlīdzekļa vadītāju un pasažieriem un darbojas saskaņā ar apdrošināšanas polisē norādītajiem nelaimes gadījumu apdrošināšanas noteikumiem.

[50] Own damage: Covered ↩

Covers any sudden, unforeseen damage to the insured vehicle, including road traffic accidents, fire, natural forces, falling objects/substances, unlawful acts of third parties, and animal/bird damage, up to the sum insured stated in the policy.

[51] Total loss: Covered ↩

Total loss occurs when repair is technically impossible, when repair cost exceeds 80% of the vehicle's market/replacement value, or in case of theft/robbery. Compensation is the vehicle's market value up to the sum insured, less the applicable deductible.

[52] Partial loss: Covered ↩

For damage that does not amount to total loss, ERGO covers proven and agreed repair costs necessary to remedy the damage caused by an insured event.

[53] Theft & robbery: Covered ↩

Covers theft of the vehicle, burglary of its parts/insured equipment, damage caused during a theft attempt, and robbery (theft using violence or threats).

[54] Glass damage: Covered ↩

If only the vehicle's glazing (windscreen, side windows, rear window, sunroof/glass roof) is damaged, compensation is paid without applying a deductible.

[55] Natural perils: Covered ↩

Included as part of the standard damage risk: wind action, lightning strike, hail, floods and earthquakes. Note: damage from driving into puddles/flooded roads is excluded unless the optional Hydraulic Shock (Hidrotrieciens) cover is purchased, which pays up to EUR 6,000.

[56] Vandalism: Covered ↩

Covers damage or destruction of the vehicle caused by a third party unrelated to a traffic accident and not connected with theft, up to the vehicle's sum insured.

[57] Roadside assistance: Covered ↩

Free 24/7 roadside assistance (call-out, on-site repair up to 30 minutes, jump-starting, fuel delivery/EV charging assistance, wheel change, lock-out assistance, extraction) for vehicles up to 3,500 kg, applicable to the vehicle and territory stated in the policy. When assistance is needed outside Latvia, the combined cost of services per event is capped at EUR 575; otherwise the limit stated in the policy applies, and costs above it are paid by the policyholder.

Ja šajā sadaļā minētā palīdzība ir nepieciešama ārpus Latvijas, viena gadījuma pakalpojumu kopējo izmaksu limits ir 575 euro.

[58] Replacement vehicle: €29 ↩

As part of roadside assistance, a compact-class rental car is provided free of charge for up to 3 days while the insured vehicle is being repaired; if ERGO cannot supply the car, up to EUR 29/day is reimbursed against receipts. A separate optional 'Transportlīdzekļa aizvietošanas apdrošināšana' rider extends replacement-vehicle cover up to a 30-day limit within the policy period, at the daily rate stated in the policy.

atlīdzinām nomas izdevumus līdz 29 eiro dienā, pamatojoties uz iesniegtiem maksājuma dokumentiem;

[59] Driver accident: Optional ↩

Optional rider (NGKA 01.10.2025) covering death, permanent disability, and bone fractures/injuries to the driver (and, if selected, passengers) arising from a traffic accident involving the insured vehicle. The sum insured is chosen by the policyholder and stated in the policy; payout for bone fractures/injuries is calculated as a percentage of the sum insured per a fixed benefits table, and disability payouts range from 25% (Group III) to 100% (Group I) of the sum insured.

[60] Own damage: 100% of insured sum ↩

The sum insured is set at contract inception, usually as the vehicle's market value or new value rather than a fixed amount; own-damage repairs are covered up to that insured value.

Apdrošinājuma summu norāda Apdrošināšanas polisē, visbiežāk to nosaka kā tirgus vērtību vai jaunvērtību, un nevis kā konkrētu naudas summu.

[61] Total loss: 100% of insured sum ↩

Total loss ('Bojāeja') applies when repair is technically impossible or uneconomic, or when repair costs exceed two-thirds of the vehicle's market value on the loss date; the claim is settled at the vehicle's market value at the time of loss.

Bojāeja – Transportlīdzekļa stāvoklis pēc Apdrošināšanas gadījuma, ja Apdrošināšanas sabiedrība atzinusi Transportlīdzekļa remontu par tehniski neiespējamu vai ekonomiski nepamatotu, kā arī visos gadījumos, kad saskaņā ar šiem noteikumiem noteiktie Transportlīdzekļa remonta izdevumi pārsniedz 2/3 no Transportlīdzekļa Tirgus vērtības dienā, kad noticis Apdrošināšanas gadījums.

[62] Partial loss: 100% of insured sum ↩

Partial damage is settled based on the cost of repairing or replacing damaged parts so the vehicle is restored to its pre-loss condition, using parts of equivalent quality where full original-part replacement is not possible.

Transportlīdzekļa bojājumu gadījumā Apdrošināšanas sabiedrība zaudējumu summu nosaka Transportlīdzekļa remonta izdevumu apmērā tā, lai pēc remonta veikšanas tas būtu līdzvērtīgā stāvoklī kā tieši pirms attiecīgā Apdrošināšanas gadījuma

[63] Theft & robbery: 100% of insured sum ↩

Theft or robbery of the vehicle is covered at market value; if the registration certificate cannot be produced after a theft, the payout is reduced to 50% of market value, and anti-theft device/key requirements apply.

Transportlīdzekļa Bojāejas vai Zādzības/Laupīšanas gadījumā Apdrošināšanas sabiedrība zaudējumu summu nosaka Transportlīdzekļa Tirgus vērtības apmērā... tad zaudējumu summu nosaka 50% apmērā no Transportlīdzekļa Tirgus vērtības.

[64] Glass damage: Covered ↩

Damage to the vehicle's glazing (windscreen, side and rear windows) is a core insured risk ('Stiklojums') included in every KASKO tier.

Stiklojums

[65] Natural perils: 100% of insured sum ↩

Damage caused by snow or ground landslides, storms and floods is covered as part of the general insured peril of sudden, unforeseen external force.

sniega vai zemes nogruvuma, vētras, plūdu rezultātā;

[66] Vandalism: 100% of insured sum ↩

Intentional damage or destruction of the vehicle by a third party ('Vandālisms'), including theft of permanently fitted parts, is a core insured risk.

Vandālisms

[67] Roadside assistance: Optional ↩

If offers 24/7 roadside consultation and assistance in cooperation with partner LAMB (e.g. jump-starting, tyre change, fuel delivery); the full 'Diennakts autopalīdzība' package with towing, taxi, rental car and accommodation sub-limits is only active when separately noted on the policy.

Nodrošinām palīdzību, ja ar Tavu transportlīdzekli notiek kas neparedzēts un nevari turpināt ceļu. Tas ietver palīdzību notikuma vietā, transportlīdzekļa evakuāciju, kā arī Tevis un pasažieru transportēšanu.

[68] Replacement vehicle: Optional ↩

Only if stated in the policy (Super KASKO, Super+ KASKO, Vislabākais If KASKO): a rental car from If's designated lessor while the vehicle cannot be driven or is being repaired at an If-designated repair company (up to 30 consecutive days after total loss or theft), or alternatively reimbursement of public transport, rental or taxi expenses up to 30 EUR per day for up to 5 consecutive days. Valid only within Latvia, regardless of the territorial scope chosen on the policy.

Neskatoties uz Apdrošināšanas polisē norādīto Teritoriālo segumu, Apdrošināšanas aizsardzība riskam "Nomas auto" un riskam "Transporta izdevumi" ir spēkā tikai Latvijas Republikas teritorijā.

[69] Driver accident: €2,800 – €20,000 ↩

Optional cover for the driver and/or passengers in the vehicle: medical treatment expenses up to 2800 EUR, permanent disability benefit up to 20000 EUR, and death benefit of 20000 EUR; active only if selected on the policy.

Ārstēšanas izdevumi (apdrošinājuma summa 2800 EUR) Paliekoša invaliditāte (apdrošinājuma summa 20000 EUR) Nāve (apdrošinājuma summa 20000 EUR)

[70] Own damage: Covered ↩

The Standard package insures the vehicle against damage, fire, theft and robbery risks; the Extra package adds further named risks. Claims are paid proportionally to the insured sum versus the vehicle's value, minus the deductible.

Apdrošinātājs atlīdzina zaudējumus, kas radušies Apdrošināšanas polisē norādītā Apdrošināšanas teritorijā Apdrošināšanas līguma darbības perioda laikā šādu risku iestāšanās rezultātā: bojājums, uguns, zādzība vai laupīšana.

[71] Total loss: Covered ↩

Total loss is when the insurer or its appointed experts consider repair technically impossible or economically unjustified. In a total-loss, theft or robbery event, the insurer pays the larger of: the insured sum stated in the policy (which decreases 1% per month unless New-Value cover applies, in which case it does not decrease) or the vehicle's market value.

Apdrošināšanas objekta vērtība, Apdrošināšanas objekta pilnīgas bojāejas vai zādzības/laupīšanas gadījumā, ir lielākā no zemāk minētajām vērtībām: 7.2.1. Apdrošināšanas polisē norādītā Apdrošinājuma summa, kas samazinās par 1 % katru mēnesi ... Ja Apdrošināšanas objekts apdrošināts Jaunvērtībā, tad ... Apdrošināšanas objekta vērtība nesamazinās, vai 7.2.2. Apdrošināšanas objekta tirgus vērtība...

[72] Partial loss: Covered ↩

Repairable damage falls under the same general damage risk category covered by both the Standard and Extra packages, with payout proportional to the insured sum.

[73] Theft & robbery: Covered ↩

Both the Standard and Extra packages explicitly cover the vehicle against theft and robbery risks, with claims paid up to the insured sum.

Zādzība – Apdrošināšanas objekta nelikumīga aizbraukšana, kā arī tā daļu nelikumīga paņemšana. Par zādzību netiek uzskatīta krāpšana, piesavināšanas un izspiešana.

[74] Glass damage: Covered ↩

Glass damage is covered with a EUR 0 deductible, regardless of how many glass claims are made during the policy period, so the policyholder pays nothing for glass repair.

Jāpiemin, ka Swedbank KASKO apdrošināšana paredz visiem stiklu bojājumiem, neatkarīgi no gadījumu skaita apdrošināšanas periodā, 0 EUR pašrisku. Proti, KASKO polises īpašniekam nekas par stikla remontu nav jāmaksā.

[75] Natural perils: Covered ↩

Storm, falling trees, hail and similar sudden, unforeseen events fall under the policy's general insured event definition, which is covered by the Standard and Extra packages.

Bojājums – Apdrošināšanas objekta bojājums, kas radies no Apdrošinātā gribas neatkarīga, negaidīta, pēkšņa un neparedzēta, ārēju apstākļu izraisīta notikuma rezultātā (piemēram, ceļu satiksmes negadījums, dabas katastrofa, postījumi, krītošu priekšmetu iedarbība, trešo personu prettiesiska rīcība).

[76] Vandalism: Covered ↩

Vandalism-type damage falls under the general insured event definition of a sudden, unforeseen event affecting the insured vehicle, covered under both packages.

Bojājums – Apdrošināšanas objekta bojājums, kas radies no Apdrošinātā gribas neatkarīga, negaidīta, pēkšņa un neparedzēta, ārēju apstākļu izraisīta notikuma rezultātā (piemēram, ceļu satiksmes negadījums, dabas katastrofa, postījumi, krītošu priekšmetu iedarbība, trešo personu prettiesiska rīcība).

[77] Roadside assistance: Unlimited ↩

Choosing KASKO includes unlimited 24/7 roadside/technical assistance across Europe; the Extra package additionally includes vehicle transport to a repair facility.

[78] Replacement vehicle: Conditional ↩

If this service is specified in the policy, rental costs for a replacement vehicle while the insured vehicle cannot be used due to an insured event are reimbursed for up to 30 days per event (up to 14 days in case of theft, robbery or total loss); the maximum amount reimbursed per day is stated in the policy.

Tiek atlīdzināti izdevumi par Apdrošināšanas objektu aizvietojošā transportlīdzekļa nomu laika periodā, kad Apdrošināšanas gadījuma rezultātā Apdrošināšanas objekta izmantošana nav iespējama. ... bet ne ilgāk kā 30 (trīsdesmit) dienas viena Apdrošināšanas gadījuma ietvaros. Zādzības, laupīšanas vai pilnīgas bojāejas gadījumā Transportlīdzekļa nomas izdevumi tiek atlīdzināti, ne ilgāk par 14 (četrpadsmit) dienām ... Maksimālā summa par vienu dienu, kas tiek atlīdzināta, ir norādīta Apdrošināšanas polisē. Transportlīdzekļa nomas izdevumi tiek atlīdzināti, ja šis pakalpojums ir norādīts Apdrošināšanas polisē.

[79] Driver accident: See details ↩

Swedbank's business KASKO marketing page states driver and passenger accident insurance is included, but this was not confirmed in the reviewed private/individual KASKO sources.