Extracted from source documents

BAN Casco (own-damage car insurance) (Casco Standard)

Underwritten by "Baltijas Apdrošināšanas Nams" AAS · Latvia

casco (own-damage car insurance) from BAN for the Latvia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2022-05-26Sources

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Key facts

Unique selling points

Simple, easy-to-understand cover with no hidden limits or deductibles - no additional deductible is applied to any of the optional add-on risks.

Zero-deductible glass cover extending to the sunroof, panoramic roof and dealer-authorised service, not just standard windows.

24/7 phone consultation and roadside assistance across the EU for breakdowns, flat tyres, dead batteries, running out of fuel or locked-in keys.

Zero-deductible cover for one collision with an animal per policy period.

Fast, fully online KASKO policy issuance in around 5 minutes.

Coverage limits

Covered

Own damage (sudden and unforeseen 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.

Clause 3.1.1Page 3

Section: 3. APDROŠINĀTIE RISKI

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

Covered

Total loss (write-off)

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.

Clause 1.16Page 1

Section: 1. NOTEIKUMOS LIETOTIE TERMINI

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

Covered

Partial loss (repairable damage)

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.

Clause 10.1.1Page 8

Section: 10. LĒMUMA PIEŅEMŠANA, APDROŠINĀŠANAS ATLĪDZĪBAS APRĒĶINĀŠANAS UN IZMAKSĀŠANAS KĀRTĪBA

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;

Covered

Theft and 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.

Clause 3.1.2Page 3

Section: 3. APDROŠINĀTIE RISKI

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

Optional

Full glass cover with no deductible

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.

Clause 3.2.7Page 3

Section: 3.2. Papildu apdrošināšanas aizsardzība

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.

Covered

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.

Clause 8.2.1Page 6

Section: 8. IZŅĒMUMI

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;

Covered

Vandalism / third-party unlawful acts

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.

Clause 3.1.3Page 3

Section: 3. APDROŠINĀTIE RISKI

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

Optional

24/7 roadside assistance

€1K

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.

Clause 5.3Page 2

Section: 5. Palīdzība uz ceļa / 6. Evakuācija

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

Optional

Replacement vehicle / rental car reimbursement

€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).

Clause 3.2.5Page 2

Section: 3.2. Papildu apdrošināšanas aizsardzība

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

Covered

Driver and passenger accident insurance

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.

Page 1

Section: Kas ir šis apdrošināšanas veids?

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

Key conditions

Driver age and experience limit

If the vehicle was driven by a person whose age or driving experience is below the level stated in the contract, indemnity for vehicle damage or total loss is reduced by 20% of the recoverable loss amount.

Repair network requirements

Repairs are carried out at the insurer-designated manufacturer-authorised repair company (mandatory if the vehicle is under factory warranty or 'Repair at dealer service' is agreed) or, if 'Repair at a service of the client's choice' is agreed, at any non-manufacturer-authorised repair company chosen by the client, reimbursed up to standard Latvian market rates for the vehicle's make, model and age.

Anti-theft requirements

Coverage is valid only if the vehicle is fitted with, and maintains in working order, the security systems and control/authorisation devices stated in the contract; devices must be stored separately from vehicle keys, and in theft/burglary cases all keys and security-device controllers must be surrendered to the insurer, otherwise indemnity is reduced or refused.

Claim notification deadline

The policyholder must immediately notify the responsible authority (police, fire and rescue service, etc.) of the event. If this notification obligation is not fulfilled for damage risk claims, total indemnity payable over the policy term is capped at 1,500 EUR.

Deductible rules

No deductible applies to vehicle damage caused by a road accident in Latvia where the at-fault vehicle and its MTPL-insured owner are identified. Otherwise the contractually agreed deductible applies to damage, theft/robbery and total-loss cases respectively, and from the second claim onward for damage or burglary the deductible is at least 150 EUR. If several deductible rules could apply, the highest deductible is used.

Direct payment

The insurer may set the repair company; if the vehicle is under manufacturer warranty or the 'Repair at dealer service' cover is included, repairs are carried out at an authorised repair company designated by the insurer.

Territorial scope

Coverage territory is chosen at policy conclusion: 'Baltics' covers Latvia, Lithuania, Estonia; 'Europe' additionally covers most EU/EEA states plus Albania, Andorra, Bosnia and Herzegovina, North Macedonia, Monaco, Serbia and Montenegro, Switzerland; 'Europe and CIS' additionally covers Belarus, the European part of Russia west of the Urals, Moldova and Ukraine. Parties may agree another territory in the contract.

Documents

All-risks land transport insurance terms No. 71.06 (current) (opens in a new tab)

Terms & conditions · PDF

Land vehicle insurance terms No. 71.05 (archived, valid until 25.05.2022) (opens in a new tab)

Terms & conditions · PDF

CASCO Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Appendix No. 1 - 24/7 Roadside Assistance Services Terms (opens in a new tab)

Policy specifics

24/7 Roadside assistance

Optional 24-hour roadside assistance, valid only when specifically agreed and noted in the contract, for vehicle breakdowns, tyre failures, fuel issues and other emergencies on roads in Latvia and EU/EEA territory

SourceClause 3.2.4Page 2

Section: 3. APDROŠINĀTIE RISKI > 3.2. Papildu apdrošināšanas aizsardzība

To speciāli norādot Līgumā, Apdrošinājuma ņēmējs un Apdrošinātais var vienoties par šādu papildu apdrošināšanas aizsardzību: ... 3.2.4. Autopalīdzības pakalpojumi – pakalpojumi, kas aprakstīti Pielikumā Nr.1.

Driver and passenger accident insurance

Accident insurance for the driver and passengers included in CASCO product cover in case of traffic accident involving the insured vehicle

SourcePage 1

Section: Kas ir šis apdrošināšanas veids?

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

Personal belongings damage coverage

Coverage for damage to personal belongings inside the vehicle's interior or luggage compartment

SourceClause 3.2.11Page 3

Section: 3.2. Papildu apdrošināšanas aizsardzība

Personisko mantu apdrošināšana – tiek atlīdzināti zaudējumi par Transportlīdzekļa salonā vai bagāžas nodalījumā esošās Transportlīdzekļa īpašnieka, Transportlīdzekļa reģistrācijas apliecībā norādītā turētāja vai to ģimenes locekļu turpmāk norādītās personiskās mantas bojājumiem vai nolaupīšanu

Windshield and glass damage coverage

Optional coverage for replacement of windshield, side windows, rear window, glass hatches, panoramic roof, and damage from temperature changes - can be added with zero deductible at partner repair services and authorized dealer service centers

Source

Theft and robbery coverage

Coverage for vehicle theft, robbery, and damage caused by unlawful acts of third parties; accessories (child seats, racks, navigation, dash cam) are covered only with the optional accessories add-on (up to EUR 1,000)

SourceClause 2.4Page 1

Section: 2. APDROŠINĀŠANAS OBJEKTS

Transportlīdzekļa piederumi – bērnu sēdeklīši, velosipēda vai slēpju turētāji, jumta bagāžnieks un tā stiprinājumi, navigācijas ierīce un video reģistrators nav apdrošināti, ja Līgumā nav ietverta papildu aizsardzība "Auto piederumu apdrošināšana".

Collision with animal

Coverage for damage resulting from collision with forest and/or domestic animals

Source

Repair network - Latvia first

If the vehicle is under factory warranty or the 'Repair at dealer service' cover is included, repairs are performed at a manufacturer-authorised repair company in Latvia; if that is not possible in Latvia, at a manufacturer-authorised service in an EEA country designated by the insurer.

SourceClause 10.1.2Page 8

Section: 10. LĒMUMA PIEŅEMŠANA, APDROŠINĀŠANAS ATLĪDZĪBAS APRĒĶINĀŠANAS UN IZMAKSĀŠANAS KĀRTĪBA

ja Transportlīdzeklim ir spēkā ražotāja rūpnīcas garantija vai Līgumā ir paredzēta apdrošināšanas aizsardzība “Remonts dīlera servisā”, Apdrošinātājs atlīdzina izdevumus par remontu Apdrošinātāja norādītajā remonta uzņēmumā, kas ir autorizēts garantijas remontdarbu veikšanai, pārējos gadījumos remonta uzņēmums tiek noteikts pusēm vienojoties, ievērojot Noteikumos noteikto;

Market value settlement for total loss

In a total loss, the indemnity is the vehicle's market value immediately before the accident, minus salvage value and the deductible.

SourceClause 10.5.1Page 8

Section: 10. LĒMUMA PIEŅEMŠANA, APDROŠINĀŠANAS ATLĪDZĪBAS APRĒĶINĀŠANAS UN IZMAKSĀŠANAS KĀRTĪBA

izmaksājamās apdrošināšanas atlīdzības summu nosaka, no Transportlīdzekļa tirgus vērtības tieši pirms negadījuma, atskaitot Transportlīdzekļa atlieku vērtību (ja tādas ir) un, atskaitot paša risku

Deductible (self-risk) structure

BAN CASCO offers simplified coverage with no hidden deductibles or self-risks for additional risks. Standard coverage provides clear, easy-to-understand terms without additional self-risks applied to add-on risks.

Source

Timely policy amendment notification

CASCO insurance is only valid if the policyholder provides timely notice of changes to the risks covered by the insurance policy

SourcePage 2

Section: Kādas ir manas saistības?

Informēt Apdrošināšanas sabiedrību, ja Apdrošināšanas līguma darbības laikā notiek jebkādas izmaiņas Apdrošināšanas polisē norādītajā informācijā par Transportlīdzekli;

Sources

BAN Casco (own-damage car insurance)

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