BALTA Casco (own-damage car insurance) (Platina Kasko)
Underwritten by Apdrošināšanas akciju sabiedrība BALTA · Latvia
casco (own-damage car insurance) from BALTA for the Latvia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-09-26Sources
Unique selling points
A wide partner repair network – 140 partner auto repair shops across Latvia, with claims trackable online via the BALTA app or the Mana BALTA self-service portal.
A 2-year warranty on all repair work performed at BALTA's partner service centers, with BALTA taking full responsibility for repair quality.
Fast claims turnaround – for claims up to 1,500 EUR repaired at a partner service center, BALTA issues a repair decision within 1 business day.
Compensation up to 10,000 EUR is still paid even if the State Police were not called after a traffic accident where notification would normally have been required.
Platīna KASKO adds new electronic-risk cover (up to 1,000 EUR) for damage caused by aftermarket anti-theft devices – a feature not included in BALTA's standard Zelta KASKO tier.
Coverage limits
Own damage (all-risk)
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.
Total loss / write-off
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.
Partial damage / repair
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.
Theft and 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.
Glass / windshield 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).
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.
Vandalism / unlawful third-party actions
Covered
Losses caused by fire, road traffic accidents or unlawful actions of third parties (vandalism) are covered under the base all-risk cover.
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.
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.
Section: Papildu segumi lielākam sirdsmieram > Auto aizvietošana
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;
Key conditions
Driver age and experience limit
If the policy states a minimum age for the vehicle's youngest permitted driver and the at-fault driver at the time of loss is younger, the indemnity is reduced by 20%.
Repair network requirements
Repairs can be carried out at any of BALTA's 140 partner service centers across Latvia (per the Platīna KASKO T&C), with a 2-year warranty on repair quality; vehicles under 3 years old must be repaired at an authorized brand dealer.
SourcePage 3Section: 1. Kas ir BALTA PLATĪNA KASKO? > Plašs sadarbības autoservisu tīkls
Plašs sadarbības autoservisu tīkls – piesakot atlīdzību, varēsiet izraudzīties remontam kādu no 140 sadarbības autoservisiem visā Latvijā.
Anti-theft requirements
The vehicle must be locked, windows closed, and anti-theft/immobilizer systems activated whenever left unattended; remote controls/keys of contactless immobilizers must be kept separate from ignition keys. Claims can be reduced or refused if the required anti-theft systems were not installed, not activated, or not functioning at the time of loss.
Claim notification deadline
Traffic accidents, fires/explosions, theft or falling-object damage must be reported immediately to the relevant authority (police, fire brigade, municipal police); BALTA must be notified without delay and the claim submitted personally. After a vehicle theft, registration documents and all keys/remotes must be handed over within 3 business days; if a stolen vehicle is later found, the owner has 30 days to decide whether to surrender it or repay the indemnity.
Deductible rules
No deductible applies if the windshield is the only damaged part and is repaired, or for storm/hail damage where the driver took reasonable precautions (e.g. parking under cover). No deductible applies if a known at-fault third party is liable and insured in a Green Card member state. The deductible is doubled (minimum 15% of the loss) for vehicle theft occurring in Russia, Belarus, Ukraine or Moldova.
Direct payment
The policyholder chooses between a cash payout or direct settlement: BALTA pays the repair shop's invoice directly if there is agreement to use one of BALTA's partner or dealer service centers; otherwise the indemnity is calculated according to the OCTA technical-expertise valuation methodology.
Territorial scope
Unless the policy states otherwise, Platīna KASKO cover under the T&C is valid in Latvia, Estonia, Lithuania, Albania, Austria, Andorra, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Czechia, Denmark, France, Greece, Croatia, Italy, Ireland, Iceland, Cyprus, Kosovo, the European part of Russia, the UK, Liechtenstein, Luxembourg, Malta, Moldova, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Serbia, Montenegro, San Marino, Slovakia, Slovenia, Finland, Spain, Switzerland, Hungary, Ukraine, Germany, North Macedonia, Sweden and Vatican City.
Documents
Policy specifics
Hydro strike / water damage to engine
Coverage for engine damage caused by water entering vehicle mechanical components such as engine, transmission, or gearbox during driving
SourceRecovery costs after accident
Coverage for vehicle salvage and recovery expenses following an insured accident
SourceElectrical short circuit and fire risk coverage
Coverage for losses caused by electrical short circuits and any fire-related risk to vehicle
SourceAnti-theft device electronic damage coverage
Coverage for losses caused by additionally installed anti-theft devices damaging vehicle electronics
SourceSection: Kāpēc izvēlēties BALTA KASKO?
JAUNUMS! Elektronisko risku apdrošināšana, kas segs zaudējumus, ja uzstādītā pretaizdzīšanas iekārta sabojās transportlīdzekļa elektroniku.
Carelessness cover (up to EUR 10,000 without police report)
Compensation available for accidental losses caused by policyholder carelessness in Platīna KASKO variant
SourceAuthorized repair network and choice
Platīna KASKO covers repairs at the policyholder's choice among 140 partner service centers across Latvia, or an alternative payment method
SourcePage 3Section: 1. Kas ir BALTA PLATĪNA KASKO? > Plašs sadarbības autoservisu tīkls
Plašs sadarbības autoservisu tīkls – piesakot atlīdzību, varēsiet izraudzīties remontam kādu no 140 sadarbības autoservisiem visā Latvijā.
Replacement vehicle coverage during repairs
Option to use rental car, taxi services, or car-sharing vehicles while vehicle is being repaired
SourceSection: Papildu segumi lielākam sirdsmieram > Auto aizvietošana
koplietošanas transportlīdzekļi (auto, velo, elektroskūteri) – saskaņā ar polisē noteikto aizvietošanas transportlīdzekļa izmantošanas dienu skaitu, nepārsniedzot 20 eiro dienā.
Optional windshield coverage without deductible
Policyholder may purchase additional windshield coverage with zero deductible
SourceSection: Kāpēc izvēlēties BALTA KASKO?
Iespēja papildināt polisi ar vējstikla apdrošināšanu bez pašriska.
Territory of insurance coverage
Policyholder may choose from four coverage territories: Latvia only, Baltic states, Europe, or extended Europe
SourceDeductible recovery from third party insurer
No deductible is withheld when a known at-fault third party, whose liability is insured under the Latvian MTPL law and confirmed by a competent authority's ruling or an agreed statement, caused the accident, and the accident occurred in a Green Card system member state.
SourceClause 8.3Page 21Section: 8. Kā tiek ieturēts pašrisks? > 8.3.
Nosakot apdrošināšanas atlīdzību bojājumu vai bojāejas gadījumā, klienta pašrisks netiek ieturēts, ja transportlīdzekļa bojājumā ceļu satiksmes negadījuma rezultātā vainojama zināma trešā persona, kuras atbildība ir apdrošināta saskaņā ar Sauszemes transportlīdzekļu īpašnieku civiltiesiskās atbildības obligātās apdrošināšanas likumu un kuras vainu apliecina kompetentas iestādes nolēmums vai saskaņotais paziņojums, un negadījums ir noticis Zaļās Kartes sistēmas dalībvalstī.
Sources
- balta.lvhttps://balta.lv/lv/kasko-akcija(opens in a new tab)
- balta.lvhttps://balta.lv/lv/privatpersonam/visi-pakalpojumi/kasko(opens in a new tab)
- balta.lvhttps://balta.lv/uploads/noteikumi/kasko/NOTEIKUMI-PLATINA-KASKO-2101-P05.pdf#page=21(opens in a new tab)
- balta.lvhttps://balta.lv/uploads/noteikumi/kasko/NOTEIKUMI-PLATINA-KASKO-2101-P05.pdf#page=3(opens in a new tab)
- inchcape.lvhttps://www.inchcape.lv/media/zaqfbigl/balta-kasko-noteikumi-nr-2101-p05.pdf(opens in a new tab)
- luminor.lvhttps://www.luminor.lv/sites/default/files/docs/apdrosinasana/apid-platina-kasko-2101-p05.pdf(opens in a new tab)
BALTA Casco (own-damage car insurance)