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| Feature / category | Balcia May 19, 2026 Open details | BALTA May 19, 2026 Open details | BTA May 19, 2026 Open details | Compensa May 19, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Balcia Insurance SE | Insurance Joint Stock Company BALTA | AAS BTA Baltic Insurance Company | Compensa Vienna Insurance Group ADB Latvia Branch / Compensa Life Vienna Insurance Group SE Latvia Branch |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Own damage | unlimited | Covered | unlimited | unlimited |
Total loss | unlimited | Covered | Covered | Covered |
Partial loss | unlimited | Covered | unlimited | unlimited |
Theft & robbery | unlimited | Excluded | unlimited | Coverage for theft and robbery is included only if explicitly noted in the insurance policy. Covered events: open or covert carjacking or its attempt; robbery involving violence or threat of violence; damages incurred while the vehicle was stolen or carjacked; damages until the vehicle is returned to law enforcement or the user if recovered. Compensation equals market value (or insured sum if lower), less deductible for theft and any unpaid premium. A document transferring ownership to the insurer must be signed before payout. If keys, control devices or registration certificate were given to the person who stole the vehicle, no compensation is paid. If keys/documents cannot be presented after theft, compensation is reduced by up to 50% (exception: break-in with obvious signs in a closed space). |
Glass damage | unlimited | Glass and windscreen damage is covered under own damage (as part of vehicle damage perils) under the Paplašināto risku (Z04) and Visu risku (P04) T&C. The policy explicitly states that for accidents resulting only in damage to the front windscreen and/or front light covers, police notification is not required. Under Pamata KASKO, covered only insofar as it constitutes vehicle damage from an insured peril. An optional zero-deductible windscreen add-on is available. | unlimited | unlimited |
Natural perils | unlimited | Excluded | unlimited | unlimited |
Vandalism | unlimited | Excluded | unlimited | unlimited |
Roadside assistance | €500 | Optional | Optional | Optional |
Replacement vehicle | Optional | Optional | Optional | Optional |
Driver accident | Optional | Optional | Optional | Optional |
| Key conditions | ||||
Driver age experience limit | No specific minimum driver age or experience limit is stated in the T&C (LV-03/01-03). Coverage is denied if the vehicle is driven by a person without the appropriate driving licence category for that vehicle type. | If the policy specifies the minimum age of the youngest permitted driver and, at the time of the insured event, the actual driver's age is lower, the insurance compensation will be reduced by 20%. | No minimum driver age or experience requirement is explicitly stated in the BTA CASCO Terms Nr.4F6 or 4F5-1. The policy covers any authorised driver (the vehicle's lawful user) as defined in the terms. Coverage is voided if the driver does not hold a valid licence for the relevant vehicle category. | If the vehicle is driven by a person whose age or driving experience does not match the parameters specified in the policy, the compensation is reduced by 20%, but not less than EUR 160. This reduction does not apply if the accident was caused entirely by an identified third party whose liability is insured under OCTA and the accident occurred in Latvia, or if there is no direct causal link between the accident and the driver's age or experience (e.g., a stone hit the windscreen). |
Repair network requirements | The policyholder may have the vehicle repaired at any repair shop of their choice. Balcia pays the compensation directly to the chosen repair shop in the amount of the repair estimate minus the deductible. However, if the policyholder chooses their own repair shop, the compensation cannot exceed 30% of the estimate prepared by Balcia's chosen repair partner. | Vehicles up to 3 years old are repaired at the insurer-designated authorised dealer workshop for that brand using new original parts. Vehicles older than 3 years are repaired at one of the insurer's partner repair shops (list available at balta.lv), unless otherwise specified in the policy. A 2-year quality warranty is provided on all repair work performed at partner workshops. | Vehicle repairs must be carried out at a BTA-authorised workshop ('BTA akceptēts remontuzņēmums'). For vehicles up to 7 years old, BTA authorises repairs at a workshop meeting manufacturer warranty standards. The insured may also choose their own workshop, but compensation is then capped at BTA's own workshop estimate or the MTPL technical expertise methodology amount. Repairs must begin within 6 business days of the vehicle being delivered to the authorised workshop for the replacement vehicle entitlement to apply without a time limit. | The policyholder and insurer select the repair shop jointly in accordance with policy conditions. The insurer pays the repair shop directly. Authorised dealer repair is covered only if this option is marked in the policy. If the policyholder chooses a different service centre not agreed with the insurer, reasonable and justified repair costs are reimbursed. If no agreement on a repair shop is reached, compensation is calculated per the insurer-approved estimate or the LTAB technical expert methodology and paid to the policyholder's account without VAT. Used or non-original parts may be used once the factory warranty has expired. Self-service car washes are not considered specialist service providers. |
Territorial scope | The policyholder selects one of three territorial coverage options at the time of purchase: (1) Latvia only; (2) Europe (as defined in T&C — includes most European countries); (3) Europe and CIS countries (Armenia, Azerbaijan, Belarus, Georgia, Russia, Moldova, Ukraine — up to 50° E longitude). The selected territory is stated in the policy. | The policyholder may choose one of four coverage territories: (1) Latvia only; (2) Baltic States (Latvia, Estonia, Lithuania); (3) Europe (approximately 38 named countries); (4) Extended Europe (all countries listed in the T&C including Belarus, Moldova, Ukraine, and the European part of Russia). The selected territory is recorded in the policy and affects the premium. Coverage is not valid in areas not designated for road traffic. | The insured can choose one of four territorial options: (1) Latvia only; (2) Baltic States (Latvia, Lithuania, Estonia); (3) European countries (full list per §3.5.3 including EU/EEA members plus Balkan and other listed states); (4) Europe+ (European countries plus Russia west of the Urals, Belarus, Ukraine, Moldova, Turkey, Armenia, Azerbaijan, Georgia, Tajikistan, Kazakhstan). In extended territories (option 4) the theft/robbery deductible is doubled, minimum 30%. | The insurance contract is valid only in the territory specified in the insurance policy. Available territories: Latvia only; Baltic states (Latvia, Estonia, Lithuania); Europe (Latvia, Estonia, Lithuania + 30+ European countries); Europe + CIS (Europe + Belarus, European part of Russia up to 55° E longitude, Moldova, Ukraine). Outside the specified territory the insurance is not valid. The territory can be expanded by separate agreement with the insurer. |
Anti theft requirements | After theft or loss of keys, if the vehicle locks were not replaced or the immobilizer was not recoded, and the vehicle was not kept in a guarded car park or locked garage, compensation may be reduced by up to 50% if causally linked to the loss. After vehicle theft, the policyholder must be able to produce all key sets and remote control sets specified in the policy; failure to do so entitles Balcia to deny the claim. | For theft/robbery coverage (under Z04 and P04 tiers), the vehicle must be equipped with the anti-theft systems specified in the policy and they must be in working order. When leaving the vehicle, it must be locked, windows closed, and anti-theft systems activated. Keys and remote controls must not be left in easily accessible places. Contactless immobiliser remotes must be stored separately from ignition keys and alarm remotes. Failure to comply may result in denial of the theft claim. In case of theft, all policy-specified keys and remotes must be surrendered to the insurer within 3 business days. | The vehicle must be equipped with BTA-accepted anti-theft systems. Coverage for theft is excluded if: the vehicle was left unlocked; anti-theft systems were not activated or not operational; the manufacturer's instructions for keeping the system operational were not followed (e.g., timely subscription payments, maintenance). Two ignition key copies and two alarm/immobiliser control units are required. The alarm must respond to door, bonnet and boot opening and have audible and visual signals. | When the vehicle is parked, all security systems specified in the insurance policy must be activated, doors and windows must be locked/closed, the boot must be closed, and any removable/foldable roof must be secured. If required security systems were not installed, not operational, not activated, or subscription fee was not paid; installer requirements were not met; the vehicle was unlocked, had open windows, hatches or removable/raised roof; or the vehicle was running – theft/robbery compensation will not be paid. No compensation if key duplicates were made during the policy period without the insurer's written consent, or if keys/control devices do not match the vehicle on inspection. Theft occurring in Belarus, Russia, or Ukraine: the policy's theft deductible applies, but not less than 20%. |
Claim notification deadline | The policyholder must contact the relevant authority immediately after an incident (police for theft, robbery, or traffic accident; fire brigade for fire; emergency services for explosion, etc.) and notify Balcia as soon as possible. If timely notification is not made and Balcia cannot determine the circumstances or the precise amount of loss, the claim may be denied. A decision on compensation is issued within 5 business days of receipt of all required documents. | The insured must notify the insurer as soon as possible after the insured event occurs. For road traffic accidents, police must be notified immediately (except in minor cases where no third-party damage or injuries occurred and drivers can agree and complete a joint notification form). For fire/explosion, the fire service and police must be notified. For theft/vandalism by third parties, the police must be notified. For falling objects, the municipal police or other competent authority must be notified. The claim application can be submitted by phone (67533375), via the BALTA website, mobile app, or email. | The insured must notify BTA as soon as possible after the insured event by calling the 24/7 helpline +371 26121212 or via www.bta.lv. For events other than traffic accidents (e.g., theft, vandalism) police must be notified immediately where required by local law. If notification to BTA is made later than 1 calendar day after the event, the insured must prove it was impossible to report earlier. For theft/robbery, BTA makes the payment decision within 30 business days of receiving all required documents. | The policyholder must notify the competent authority immediately (without leaving the accident scene) and submit a written claim to the insurer no later than within 3 business days. Notification can be submitted: in person; on the insurer's website; by phone or email; via the insurer's portal portals.compensa.lv. If the required police/authority notification was not made but the 3-business-day rule is met, compensation up to EUR 10,000 per policy period may still be paid. If immediate photo/video documentation of the scene, vehicle and consequences is provided and submitted, the EUR 10,000 limit does not apply. No compensation if the fact of leaving the accident scene is registered by police. |
Deductible rules | The deductible (pašrisks) is set in the policy in monetary or percentage terms and is deducted from each claim payment. No deductible is applied: (a) if a third party is at fault in a traffic accident and damage is compensated under that party's MTPL; (b) for lost keys or personal belongings damage/theft. The deductible is doubled (minimum 20% of the payout) for theft or robbery occurring in CIS territory. If compensation is reduced by up to 50% where speed was exceeded by more than 30 km/h and causally linked to the loss, or where key replacement requirements were not met after key theft/loss. | The deductible (pašrisks) for damage claims (excluding total loss) is expressed as a monetary amount and/or percentage of the compensation amount, and is specified in the policy. For total loss and theft, the deductible is expressed as a percentage of the compensation. Different deductibles may apply to different covered risks and are each noted separately in the policy. No deductible is applied when the damage was caused by a known third party at fault whose liability is insured under mandatory MTPL and whose fault is confirmed by a competent authority or agreed notification. The deductible is applied at double the rate for theft losses occurring in Russia, Belarus, Ukraine, or Moldova. For key replacement and fuel system cleaning, no deductible applies. For licence plate replacement, no deductible applies (once per policy period). | The default damage deductible is set in the policy (typically EUR 140). The insured may choose EUR 285 for a lower premium. From the second claim onwards a minimum deductible of EUR 140 applies. No deductible is charged if BTA can recover the full loss from a Latvian or EU-registered insurer under MTPL. For theft/robbery in extended territory (Russia, Belarus, Ukraine etc.) the deductible is doubled, minimum 30%. A 50% deductible applies to theft if keys/documents were lost/stolen (unless the §6.2.3 exception applies). Separate deductibles apply for damage, total loss, and theft as stated in the policy. The largest applicable deductible is used when multiple deductibles could apply to a single event. | The deductible is deducted from every compensation payment unless otherwise specified in the contract. Different deductibles apply per risk type: deductible for damages (partial loss), deductible for total loss, deductible for theft/robbery, deductible for glazing. The glazing deductible applies only if the glass is replaced at the insurer-designated post-warranty service; if replaced elsewhere, the standard damage deductible applies (min EUR 160 per event). No deductible applies if glazing is repaired (not replaced) at the insurer-designated service. If the policy specifies a damage deductible below EUR 160, the second and subsequent claims during the same policy period are subject to a EUR 160 deductible. No deductible applies for post-accident transportation costs, personal belongings, sports equipment, key replacement, incorrect fuel fill, registration document/plate renewal, or zero-deductible collision with vehicle/animal (if this optional add-on is included and conditions are met). |
| Proof and next steps | ||||
Direct payment policy | Balcia pays repair costs directly to the repair shop chosen by the policyholder or by Balcia. In case of total loss, theft, or robbery, compensation is paid in the amount of the vehicle's market value or new value (as per policy). Cash payment is available but excludes taxes. For theft of built-in parts (excluding accessories), only direct repair cost reimbursement is provided. | In case of damage or theft, insurer pays the repair shop directly or issues a cash payment to the insured. For repairs at partner workshops, the insurer accepts the repair invoice directly. Cash payment is also possible at the insured's election. Deductible must be paid by the policyholder before receiving compensation. | BTA pays repair costs directly to the authorised repair workshop after deductible payment by the insured. If the insured chooses their own workshop, BTA transfers the compensation to that workshop up to the amount of BTA's own workshop estimate. Cash payment is also available (excluding VAT, minus deductible). | Compensa pays the repair shop directly when a repair service is selected; if no agreement on the repair shop is reached, compensation is paid to the policyholder's account without VAT. For total loss or theft, compensation is paid to the policyholder's designated account after deducting the deductible and any outstanding premium instalments. |
Last verified | May 19, 2026 | May 19, 2026 | May 19, 2026 | May 19, 2026 |