Extracted from source documents

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

Underwritten by Compensa Vienna Insurance Group ADB Latvijas filiāle · Latvia

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

Verified Aug 28, 2026 · Terms dated 2026-01-12Sources

Online purchase24/7 helpline

Unique selling points

KASKO premiums can be split into 4 or 12 instalments to ease budgeting.

KASKO can be purchased and subscribed to fully online through Compensa's e-shop.

A single 24/7 hotline (8888) provides roadside assistance dispatch and policy consultations at any time.

Manufacturer-installed accessories, roof boxes, bike/ski racks and EV charging cables are automatically insured without needing to be separately listed on the policy.

All-risk cover protects against a broad range of losses, including collisions with wild animals, in addition to standard accident and theft risks.

Coverage limits

Covered

Own damage cover

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.

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Section: 3. Kurus gadījumus sedz apdrošināšana > Bojājumi

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

Covered

Total loss cover

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.

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Section: 11. Kā aprēķinām un izmaksājam apdrošināšanas atlīdzību > Apdrošināšanas aprēķins transportlīdzekļa pilnīgas bojāejas vai zādzības gadījumā

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.

Covered

Partial damage repair

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.

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Section: 11. Kā aprēķinām un izmaksājam apdrošināšanas atlīdzību > Apdrošināšanas atlīdzības aprēķins transportlīdzekļa bojājumu vai apzagšanas gadījumā

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

Conditional

Theft and robbery cover

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.

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Section: 3. Kurus gadījumus sedz apdrošināšana > Zādzība

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

Covered

Glass damage cover

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.

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Section: 11. Kā aprēķinām un izmaksājam apdrošināšanas atlīdzību > Atskaitījumi no apdrošināšanas atlīdzības un pašrisks

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.

Covered

Natural perils cover

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.

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Section: 3. Kurus gadījumus sedz apdrošināšana > Bojājumi

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

Covered

Vandalism / third-party malicious damage

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.

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Section: 3. Kurus gadījumus sedz apdrošināšana > Bojājumi

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

Optional

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.

Page 5 / 7

Section: 2. Kurus gadījumus sedz šī apdrošināšana > Papildu nosacījumi

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.

Optional

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.

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Section: 4. Apdrošinātie papildu riski > Transportlīdzekļa aizvietošana

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.

Optional

Driver and passenger accident insurance

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.

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Section: 4. Apdrošinātie papildu riski > Nelaimes gadījumu apdrošināšana

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

Key conditions

Driver age and experience limit

If the vehicle was driven by a person whose age or driving experience does not match what is stated on the policy, indemnity is reduced by 20% (minimum EUR 160), unless a fully liable, identified third party is covered under OCTA for an accident in Latvia, or the accident had no causal link to age/experience.

Repair network requirements

Reasonable repair costs are covered if repairs are carried out at a repair company of the client's choice in Latvia; repair at an authorised manufacturer dealer's workshop is only covered if that risk is specifically marked on the policy.

Anti-theft requirements

Theft/burglary indemnity is refused if the required security systems were not installed, not working, not activated, had unpaid subscription fees, if the vehicle was left unlocked with open windows/hatches/retractable roof, or was left running.

Claim notification deadline

The insurer must be notified and a written claim submitted no later than 3 business days after the event; the competent authority (e.g. police) must be informed immediately without leaving the scene where required. If police notification was required but not made, indemnity for the whole insurance period is capped at EUR 10,000, unless the client submits photo/video evidence from the scene, in which case the cap does not apply.

Deductible rules

A deductible is deducted from indemnity unless the policy states otherwise, with different deductibles applying by case type: damage deductible, total-loss deductible, theft deductible, and glass deductible (only when glass is replaced, not repaired, at a Compensa-designated post-warranty service; otherwise the damage deductible applies, minimum EUR 160). No deductible applies to zero-deductible add-on risks (e.g. collision with another vehicle/animal, key restoration, personal belongings, sports equipment, wrong-fuel refill).

Direct payment

Compensa typically settles directly with the repair company chosen together with the client and pays that company's invoice itself; the client only pays the deductible.

Territorial scope

The policyholder selects one of four territorial options: Latvia only; the Baltics (Latvia, Estonia, Lithuania); Europe (an extensive list of European states); or Europe + CIS (Europe plus Belarus, the European part of Russia west of the 55° meridian, Moldova and Ukraine).

Documents

Land Vehicle Insurance Terms No. KASKO26 (incl. Roadside Assistance Terms HELP26) (opens in a new tab)

Terms & conditions · PDF

KASKO Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Sports equipment coverage

Coverage up to EUR 1,000 for sports equipment on the car if damaged or stolen

Source

Section: CASCO insurance > CASCO with enhanced coverage ! > Wider protection in the new CASCO:

Insured sports equipment: We will compensate losses up to 1,000 EUR if sports equipment on the car is damaged or stolen.

Car accessories automatic coverage

Automatic insurance of car accessories without additional formalities: child seats, strollers, roof boxes, and electric car charging cables

Source

Section: CASCO insurance > CASCO with enhanced coverage ! > Wider protection in the new CASCO:

Car accessories without additional formalities: Child seats, strollers, roof boxes, and electric car charging cables are automatically insured without being listed in the policy.

Warranty repair coverage

Vehicle repairs after an insured event with new spare parts at repair service providers entitled to perform repairs during warranty period, including dealership

Source

Section: CASCO insurance > Learn more about Compensa CASCO

If you select this risk, the vehicle repairs after an insured event will be carried out with new spare parts by such repair service providers in the Republic of Latvia who are entitled to perform repairs during the vehicle warranty period, including by your dealership.

24/7 Roadside assistance

Free 24/7 technical roadside assistance available at any time, provided by HELP26 rider

Source

Driver and passenger accident insurance

Optional coverage for driver and passenger injuries, fractures, disability or death, provided under VPNGA26 terms

Source

State technical inspection requirement

Losses are not covered if damage occurred when vehicle had not undergone state technical inspection or had a ban on road participation, and loss arose from direct causal connection to these facts

Source

Competition and racing exclusion

Losses are not covered if vehicle is used in any type of competition or preparation for competition

Source

Unsecured load damage exclusion

Losses not covered if damage to vehicle resulted from unsecured or incorrectly secured load

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Section: 5. Kādos gadījumos apdrošināšanas atlīdzība tiek samazināta vai netiek izmaksāta > Zaudējumi, ko izraisījusi krava, dzīvnieki vai nepiesprādzēti pasažieri

iekraujot, izkraujot un pārvadājot kravu vai mantas, kas nav bijušas pareizi nostiprinātas transportlīdzeklī, uz tā vai piekabē (puspiekabē);

Right-hand steering wheel special notation

If vehicle has steering wheel on the right side, special notation must be made in insurance policy

Source

Commercial use vehicle declaration

If vehicle's primary purpose is commercial transport (taxi, training transport, operational transport, public transport), security services, or hazardous cargo transport, it must be noted in policy

Source

Claims filing deadline

Immediately after accident occurs, but no later than 3 business days, policyholder must notify Compensa; filing online or by phone to 8888

Source

Sources

Compensa Casco (own-damage car insurance)

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