ERGO Casco (own-damage car insurance) (Kasko 360)

24/7 roadside technical assistance included at no extra cost across the policy's territory.

2-year workmanship warranty on repairs carried out at ERGO's partner service network.

Windshield and other glazing damage is compensated without any deductible.

Natural-disaster risks, including storm and hail damage, are included as standard.

Driver age and experience limit

If a driver who is younger than the age stated in the policy, or has less than the B-category driving experience stated in the policy, is driving at the time of a traffic accident, ERGO reduces the claim payout by 20%.

Repair network requirements

Depending on the rider chosen, repairs may be carried out at an authorized dealer workshop (using new original parts where available), at a freely chosen independent workshop (may use used or non-original parts), or at ERGO's designated partner service network, whose workmanship carries a 2-year warranty.

Anti-theft requirements

If required security systems are stated in the policy, the policyholder must keep any related subscription fees paid and maintain the systems functional; if the vehicle was not equipped with the security systems required by ERGO, the claim payout for a theft event is reduced by 50%.

Claim notification deadline

The insurer must be notified in writing within 3 business days of discovering circumstances that increase risk; theft/robbery must be reported to the police immediately; the damaged vehicle must be presented to ERGO or a listed service partner within 5 business days of filing the claim.

Deductible rules

The deductible amount/percentage is set in the policy and is generally withheld from each claim (refunded if the loss is later compensated in full). It is not withheld if you are recognized as the injured party under the Latvian OCTA law. It is doubled (minimum 20%) for theft claims occurring in Russia, Belarus, Moldova or Ukraine, and the claim payout is reduced by 50% in several situations, such as when a person not on the policy's list of drivers was driving, or a stolen vehicle lacked the required security systems. The deductible is waived entirely for glazing-only damage, one-time fuel-misfuelling cleanup (up to EUR 600), key/plate/document loss or theft, pet-in-vehicle claims, leasing-payment cover, and once each policy period for animal/bird collisions and for running off the road (subject to conditions).

Direct payment

Policyholders can choose repair through an authorized dealer, a freely chosen independent workshop, or ERGO's partner service network (which carries a 2-year workmanship warranty); VAT-registered policyholders are settled net of VAT.