Akcine draudimo bendrove "Gjensidige" Latvia branch
Gjensidige
Gjensidige is a motor casco insurance for the Latvia market with online purchase and 24/7 assistance.
Direct payment
Premiums can be paid by bank transfer to the account stated on the invoice/contract, via the gjensidige.lv self-service portal (private individuals), by card payment at the insurer's office, or in cash/card at MAXIMA Latvija store checkouts if the premium payment does not exceed EUR 1,000.
Geographic scope
Latvia, with optional extended territorial validity as agreed in the individual policy
Coverage applies within the territorial scope stated in the insurance contract/offer; Autohelp24 roadside assistance is valid throughout the KASKO contract's territorial area of validity.
Unique selling points
- New customers who apply for KASKO online receive a 15% discount on the premium.
- Autohelp24 roadside assistance includes on-site expert help with accident paperwork/friendly statement in Rīga, Jūrmala and the greater Riga region.
- Premiums can be paid conveniently at MAXIMA Latvija store checkouts nationwide when the payment does not exceed EUR 1,000.
- A broad menu of optional extras is offered beyond the core cover, including pet accident protection, key theft, number plate loss, hydro-shock damage and off-road cover.
- KASKO reimburses vehicle damage regardless of who caused the accident, unlike the mandatory MTPL policy.
Coverage limits
Own Damage Coverage
100% of insured sum
Covers damage to the insured vehicle from collision, natural perils, falling objects, animals/birds and unlawful third-party acts, up to the insured sum or the vehicle's market value stated in the policy.
Total Loss Coverage
100% of insured sum
If the vehicle is a total loss, indemnity is paid up to its market value at the time of the event; if the vehicle is insured above its market value at contract inception, payout is capped at market value.
Partial Loss / Repair Cost Coverage
100% of insured sum
Covers repair costs for partial damage to the insured vehicle up to the insured sum; the indemnity is reduced by the applicable deductible.
Theft and Robbery Coverage
100% of insured sum
Covers theft or robbery of the insured vehicle and damage sustained while it was unlawfully possessed, until the vehicle is returned to law enforcement or the rightful user.
Windscreen and Glass Damage
100% of insured sum
Covers breakage of the windscreen, side/rear windows or glass sunroof when glass is the only damaged part of the vehicle, including cracks caused by temperature changes.
Natural Perils Coverage
100% of insured sum
Covers damage caused by storm (wind speed above 17.2 m/s), flood, lightning, hail, landslides and avalanches.
Vandalism Coverage
100% of insured sum
Vandalism is covered as part of the unlawful third-party acts risk category applicable to the insured vehicle.
Roadside Assistance (Autohelp24)
Optional
Optional 24/7 roadside assistance add-on available in three tiers (Plus, Bāzes, Mini) covering technical breakdown/accident assistance, towing to the nearest garage, taxi transport (one trip, max 60 km from the incident site) and, under the Plus tier, a rental car reimbursed at EUR 30/day for up to 3 days per claim. Restricted to passenger vehicles up to 3,500 kg gross weight without special commercial use.
Replacement Vehicle
€90
Only in Autohelp24 Plus
Available as a separate optional rider (Auto aizvietošanas noteikumi Nr. 4.9/4.1); specific indemnity limits for this dedicated rider were not found in the accessible source text. Under the Autohelp24 Plus roadside package a temporary rental car is reimbursed at EUR 30/day, up to 3 days (EUR 90 total) per claim.
Driver and Passenger Accident Insurance
Optional
No limit stated
Accident insurance for the driver and passengers can be added to the KASKO product as an optional supplement (per Nelaimes gadījumu apdrošināšanas noteikumi Nr. 6.5 and supplementary terms Nr. 6.5/2); no specific sum insured was found in the accessible source text.
Key conditions
Driver age and experience limit
No explicit minimum driver age or driving experience requirement for KASKO cover was found in the reviewed terms; eligibility and premium are assessed individually when the policy is issued.
Repair network requirements
If the insured has the vehicle repaired outside Gjensidige's approved repair network, the indemnity is reduced by 20%, but by no less than EUR 150.
Territorial scope
Cover applies within the territorial scope stated in the individual insurance contract/offer; Autohelp24 roadside assistance is valid throughout the KASKO contract's territorial area of validity.
Anti-theft requirements
The policyholder must engage all installed security systems, close and lock doors, boot and windows whenever the vehicle is left unattended, immediately notify the insurer if keys or security control devices are lost or stolen, take additional security measures (not leaving the vehicle unattended, moving it to a garage, fenced area or guarded car park) and replace keys, locks and security control devices at their own expense.
Claim notification deadline
In cases of theft or loss of vehicle keys or security system control devices, the insurer must be notified immediately, without delay.
Deductible rules
The indemnity is reduced by the amount of the applicable deductible; if repairs are carried out outside the insurer's approved repair network, the indemnity is additionally reduced by 20%, but by no less than EUR 150.
Documents
Land Vehicle Insurance Terms and Conditions No. 4.10 (KASKO)
Terms & conditions
KASKO Insurance Product Information Document (IPID), current version
IPID
KASKO IPID, earlier edition (T&C 4.9)
IPID
Autohelp24 Plus Terms No. 4.9/1.1
Other document
Autohelp24 Base Terms No. 4.9/2.1
Other document
General Insurance Terms No. V1.4
Other document
Policy specifics
Baggage and Personal Items Coverage
Coverage for personal belongings in the vehicle during damage, theft or loss events
SourceSource no longer reachablePet Injury Coverage in Road Traffic Accidents
Coverage for injuries or death of pets transported in the insured vehicle resulting from traffic accidents
SourceSource no longer reachableRoadside Breakdown and Repair Assistance (Autohelp24)
Optional 24/7 roadside assistance for vehicle breakdowns, repairs, towing and replacement vehicle services
SourceSource no longer reachableWindscreen and Glass Damage Coverage
Coverage for damage to vehicle windows, windscreen and glass
SourceSource no longer reachableApproved Repair Network Requirement
Specification of whether repairs must be performed at Gjensidigs-approved repair shops or if repairer selection is flexible
SourceSource no longer reachableVehicle Security System Requirements
Conditions regarding mandatory or recommended vehicle security/alarm systems to maintain coverage, especially for theft
SourceSource no longer reachableTerritorial Coverage Options
Multiple territorial coverage tiers: Latvia only, Baltic States, Europe, or Europe + CIS countries
SourceSource no longer reachableVehicle Age or Market Value Limitations
Any maximum age or minimum market value conditions that may apply to policy eligibility or coverage
SourceSource no longer reachableDeductible (Pašrisk) Options and Structure
Available deductible amounts, how they apply to different risk categories, and conditions for waiver or reduction
SourceSource no longer reachableSources
- https://www.gjensidige.lv/apdrosinasana/privatpersonam/kaskoSource no longer reachable