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

24/7 customer service line for reporting accidents and requesting assistance.

Freedom to have repairs done at a trusted repair shop of your own choice instead of being limited to the insurer's partner network.

Optional 'BTA repair line' upgrade removes the usual daily cap and day limit on the replacement car while your vehicle is being repaired.

No deductible is applied on several add-on benefits such as lost keys, custom number plates, fuel-system cleaning and luggage cover.

Driver age and experience limit

BTA's CASCO terms set no minimum driver age or driving-experience requirement.

Repair network requirements

Repairs must normally be carried out at a BTA-accepted repair company for the amount BTA has approved; if the customer chooses their own workshop, BTA reimburses that workshop's calculated cost minus deductible. For the replacement-vehicle benefit, restrictions apply if the vehicle is not transferred for repair within 6 business days.

Anti-theft requirements

Theft/robbery claims are not paid if the vehicle was not equipped with BTA-accepted anti-theft systems, was left unlocked, or an installed anti-theft system was not functioning (e.g. unpaid subscription, missed mandatory maintenance). Marketing materials specify that insured vehicles must generally have two keys with a factory immobiliser and two alarm remotes that react to door, hood and boot opening; some brands/exclusive or expensive vehicles may require additional anti-theft devices.

Claim notification deadline

The policyholder must inform BTA about an event as soon as possible via the Mans BTA app/website or by phone (+371 26 12 12 12), providing all information and following BTA's instructions; the damaged vehicle must not be repaired before BTA's permission except for urgent repairs needed to prevent greater damage.

Deductible rules

A separate deductible applies per event type (damage deductible, glass deductible, total-loss deductible, theft deductible); if a single event affects several insured object parts and triggers several additional covers, only the single largest applicable deductible is deducted. Online purchases typically offer a choice of EUR 140 or EUR 285 deductible; a minimum EUR 140 deductible applies to a second claim within the policy period unless a higher deductible is set; deductible is waived for several benefits (e.g. lost keys, custom plates, fuel-system cleaning, luggage, glass damage if the only damage). For theft, robbery or damage occurring in Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, European Russia (west of the Urals), Moldova, Tajikistan, Turkey or Ukraine, the theft deductible specified in the policy applies, but not less than 30% of the loss amount.

Section: 6. KĀ APRĒĶINĀM UN IZMAKSĀJAM APDROŠINĀŠANAS ATLĪDZĪBU > 6.1. Transportlīdzekļa zādzības, laupīšanas vai bojāejas gadījumā

piemērojam polisē norādīto zādzības pašrisku, bet ne mazāk kā 30 % no zaudējuma summas.

Direct payment

BTA settles claims cashlessly with its accepted repair network at its approved estimate; if the customer chooses their own repair shop, BTA transfers the calculated repair cost (minus deductible) directly to that workshop rather than paying the customer.