Gjensidige
Gjensidige is a motor casco insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
Indemnity is paid to the policyholder's bank account. The insurer may arrange direct payment to an approved repair shop; if the preferred repair shop is not in the insurer's approved network, payment is made to the insured's account instead.
Geographic scope
Baltic States / Europe
Coverage territory as specified in the insurance policy; extension to wider territory possible by agreement. New and renewed KASKO policies are not valid in Ukraine, Belarus, or Russia (from 12.04.2022). Standard territory typically includes Latvia, Baltic States, or EEA countries as selected.
Unique selling points
- Three-tier Autohelp24 roadside assistance add-on (Plus, Base, Mini) provides 24/7 technical help in Latvia and abroad — not included as standard, but purpose-built tiers allow cost-effective customisation.
- New-value (jaunvērtības) indemnity is available for vehicles up to 2 years old or under 50,000 km, enabling full replacement-cost settlement rather than depreciated market value.
- Online policy application with a 15% premium discount, with 24/7 claims submission via website or the Gjensidige Baltic Self-Service mobile app.
- Baggage and personal belongings coverage (up to insured limit, deductible-free) and household pet accident coverage are available as built-in optional extensions to the standard KASKO policy.
- Part of Gjensidige Forsikring ASA — a Nordic insurance group with 200 years of experience, providing financial stability and consistent claims-handling standards across Latvia and the Baltics.
Coverage limits
Own Damage (Collision / Damage Risk)
Covered
Covers damage to the insured vehicle caused by a road traffic accident (collision), regardless of fault, as well as damage from fire, explosion, falling objects, third-party unlawful actions, and natural perils. Indemnity is up to the insured sum (market value or agreed value). The deductible is applied to each claim.
Total Loss
Covered
In the event of total loss (constructive total loss), indemnity is paid up to the insured sum (market value at the time of loss or agreed new-value if applicable). New-value insurance is available for vehicles up to 2 years old / under 50,000 km; after that threshold market value applies.
Partial Loss (Repair of Damage)
Covered
Covers repair costs for partial damage to the insured vehicle up to the insured sum. Indemnity is determined based on repair costs at an approved repair shop. Wear and tear, cosmetic scratches, and pre-existing damage are excluded.
Theft and Robbery
Covered
Covers theft (secret or open misappropriation) and robbery (seizure with violence or threat of violence) of the insured vehicle, including damage caused to the vehicle while in unlawful possession until it is returned to law enforcement. All vehicle keys, registration documents and security system controls must be handed over to the insurer upon claim. The policyholder must immediately report key loss/theft to the insurer and replace locks/security devices at own cost.
Glass / Glazing Damage
Covered
Covers breakage of the windscreen, side windows, rear window, glass roof panel, and mirror glass when the glazing is the only damaged part of the vehicle, including breakage caused by temperature changes. Glass claims are subject to a separate deductible; the deductible for third-party unlawful action/vandalism claims (clauses 3.2.3–3.2.4) is capped at a maximum total of EUR 1,500 per policy period.
Natural Perils (Natural Disaster Damage)
Covered
Covers damage caused by natural perils including storm (wind speed above 17.2 m/s), floods, lightning, hail, landslides (large earth masses sliding down mountains), avalanches, and animal collisions. Indemnity is up to the insured sum less applicable deductible.
Vandalism / Third-Party Unlawful Actions
Covered
Covers intentional damage or destruction of the insured vehicle by a third party (vandalism), excluding theft and robbery. The total indemnity under clauses 3.2.3 and 3.2.4 (third-party unlawful actions including vandalism) is capped at EUR 1,500 per policy period regardless of the number of insured events, determined according to clause 11.1.
Roadside Assistance (Autohelp24)
Optional
Optional add-on coverage providing 24/7 technical roadside assistance and telephone consultations throughout the KASKO policy's coverage territory in Latvia and abroad. Available in three tiers: Autohelp24 Plus (Nr. 4.9/1.1), Autohelp24 Bāzes/Base (Nr. 4.9/2.1), and Autohelp24 Mini (Nr. 4.9/3.1). Applicable to passenger vehicles up to 3,500 kg gross mass without special use (non-operational, non-commercial). Cost of consumed materials (fuel, spare parts, lubricants) is borne by the client.
Replacement Vehicle
Optional
Optional coverage providing a replacement rental car during the repair of the insured vehicle following an insured event. The number of replacement days is specified in the policy. Governed by Auto aizvietošanas noteikumi Nr. 4.9/4.1.
Driver and Passenger Accident Insurance
Optional
Optional add-on covering bodily injury or death of the driver and passengers resulting from a road traffic accident covered under the KASKO policy. The insured sum and coverage details are specified in the policy offer. Governed by Nelaimes gadījumu apdrošināšanas noteikumi Nr. 6.5 and supplementary terms Nr. 6.5/2.
Key conditions
driver_age_experience_limit
No specific minimum driver age or experience requirement is stated in the KASKO Terms Nr. 4.9 or the IPID. Policy eligibility and premium may be individually assessed based on the insurance offer.
repair_network_requirements
Repairs must be agreed with the insurer before commencement. For vehicles up to 3 years old, the insurer may approve repairs at authorized dealer repair shops. For older vehicles, repairs may be carried out at insurer-approved network workshops. If the policyholder's preferred repair shop is not approved, the indemnity is paid to the policyholder's bank account.
territorial_scope
The coverage territory is specified in the insurance policy. A wider territorial extension may be agreed upon. From 12.04.2022, new and renewed KASKO policies are not valid in Ukraine, Belarus, or Russia. The standard choice is typically Latvia, Baltic States, or EEA countries.
anti_theft_requirements
The policyholder must keep all security systems and anti-theft devices in proper working order. Vehicle registration documents, ignition keys, and security system controls must be stored in a location inaccessible to third parties and must not be left in the vehicle. In the event of key theft or loss, the insurer must be notified immediately, and the policyholder must arrange for replacement of keys, locks, and security system controls at their own expense. Failure to comply may result in denial of the theft claim.
claim_notification_deadline
The policyholder must notify the insurer of an insured event as soon as possible. For theft, the claim must be submitted within 3 days; for other insured events, within 10 days. The vehicle must not be repaired or dismantled until approved by the insurer. Claims can be submitted electronically via the Gjensidige website or the 'Gjensidige Baltic Self-Service' mobile app, or by calling +371 67112222.
deductible_rules
Each indemnity payment is reduced by the applicable deductible amount as specified in the policy. For certain claim types (e.g., claims under third-party unlawful actions / vandalism perils, clauses 3.2.3–3.2.4), the indemnity is reduced by 20%, but not less than EUR 150. The deductible for glazing claims may differ from that for collision or theft claims. The total payout under clauses 3.2.3–3.2.4 shall not exceed EUR 1,500 per policy period regardless of the number of events.
Documents
KASKO IPID T449 V5 (spēkā no 25.02.2025)
ipid
Sauszemes transportlīdzekļu apdrošināšanas noteikumi Nr. 4.9 (LAT)
terms_and_conditions
Vispārējie apdrošināšanas noteikumi Nr. V1.1 (LAT)
terms_and_conditions
Autohelp24 Plus noteikumi Nr. 4.9/1.1 (LAT)
terms_and_conditions
Autohelp24 Bāzes noteikumi Nr. 4.9/2.1 (LAT)
terms_and_conditions
Autohelp24 Mini noteikumi Nr. 4.9/3.1 (LAT)
terms_and_conditions
Auto aizvietošanas noteikumi Nr. 4.9/4.1 (LAT)
terms_and_conditions
Gjensidige apdrošināšanas noteikumu saraksts (dokumentu lapa)
other
Policy specifics
24/7 Roadside Assistance
All major Latvian insurers, including Gjensidige, include complimentary 24/7 roadside assistance in CASCO policies, available anywhere in the coverage territory
Car Replacement / Rental Coverage
Optional coverage that provides a replacement rental car during vehicle repair following an insured event
Natural Disaster Coverage
CASCO covers damage caused by natural disasters such as storms, hail, floods, and weather-related incidents
Collision with Animals Coverage
CASCO covers damage resulting from collisions with animals, including wild animals crossing roads
Baggage and Personal Belongings Insurance
Coverage for personal items and baggage located in the vehicle cabin or luggage compartment
Pet Accident Insurance
Coverage for bodily injury or death of household pets carried in the vehicle as a result of an insured event
Deductible / Self-Risk Amounts
Policyholder must cover deductible amount from personal funds when an insured event occurs; deductibles may vary by coverage type
Repair Shop Network and Approval
For vehicles not older than 3 years, the insurer may approve repairs at authorized dealer repair shops; older vehicles may have repairs at approved network shops
Vehicle Maintenance and Safety Inspection Requirements
Vehicle must be properly maintained according to manufacturer requirements and must have valid state technical inspection; failure may result in claim denial
Security System and Anti-Theft Device Requirements
Policyholder must maintain security systems and anti-theft devices in proper working condition; must take preventive measures such as parking in garages or guarded lots
Claims Notification Deadline
Policyholder must notify insurer of insurable event as soon as possible but no later than 3 days after the incident