If

driver_age_experience_limit

If the driver at the time of the incident has less than 2 years of motor vehicle driving experience (regardless of category), or the vehicle was used for an individual driving lesson, the applicable deductible is doubled but no less than EUR 400. If the applicable deductible is EUR 0, the minimum of EUR 400 still applies except where a EUR 0 glass deductible is specified. After two paid claims in the policy period, the basic deductible for all subsequent claims is doubled to at least EUR 400, regardless of what the policy states, except for total loss and theft or robbery.

repair_network_requirements

The insured or beneficiary selects any repair or trading company and agrees with IF on its use. IF accepts repairs by the manufacturer's official dealer in Latvia if the incident occurred within 3 years of the vehicle's first registration, or longer if stated in the policy. Repairs outside Latvia are reimbursed at Latvian price levels per the LTAB technical expertise methodology. For incidents outside Latvia where the vehicle is immobilised, a minimum emergency repair may be performed after prior agreement with IF if estimated losses are EUR 2,000 or more. A EUR 600 deductible applies to repairs performed outside Latvia, Lithuania or Estonia.

territorial_scope

The insured selects the territorial scope at purchase: Baltic States (Latvia, Lithuania, Estonia), Europe as defined in TMH-20231 §1.12 including most European countries and the UK, or CIS countries as defined in §1.13 covering Armenia, Azerbaijan, Belarus, Georgia, Russia, Moldova and Ukraine up to 50 degrees east longitude. Coverage is valid only within the chosen territory. The 24/7 roadside assistance is valid up to but not broader than Europe and is not valid in CIS. In CIS, the theft or robbery deductible is doubled for vehicles under 7.5 tonnes with a minimum of 20% of the loss amount.

anti_theft_requirements

The vehicle must be equipped with the anti-theft systems specified in the policy or insurance application. These systems must be in working order and activated whenever the vehicle is parked. Theft, vandalism and robbery claims are excluded if the required system was absent, not in working order or not activated. When purchasing KASKO online a 14-day grace period is available to install the required system, during which the policy is already in force. The key count including ignition keys, remote controls and immobilisers must match the number stated in the policy or application or the manufacturer's data.

claim_notification_deadline

The insured must notify IF as soon as possible but no later than 3 business days from when notification became possible, by submitting a claim online at www.if.lv with photos of the damaged vehicle or by telephone to the number listed at www.if.lv. The insured must not commence repair or disposal without IF's consent. IF must decide on damage claims within 5 business days of receiving all necessary documents and on theft claims within 30 days. Payment is made within 7 business days of the decision. Repair estimate approval is given within 2 business days if costs do not exceed EUR 7,000, or within 5 business days if costs exceed EUR 7,000.

deductible_rules

The deductible is specified in the policy. Multiple deductible types may apply: basic deductible, total loss deductible, theft deductible and glass damage deductible. The basic deductible applies unless a specific deductible is stated for the applicable claim type. The deductible is waived if damage was caused in Latvia by a third-party identified vehicle whose MTPL insurer is liable and a police report or agreed notification is submitted. Zero deductible applies for direct animal collision and glass replacement at IF partner service points. After two paid claims in the policy period, the basic deductible for all subsequent claims is doubled to at least EUR 400, except for total loss and theft. In CIS countries for vehicles under 7.5 tonnes, the theft deductible is doubled with a minimum of 20% of the loss amount.

Rental car and transport expenses

Optional coverage for rental car provision or compensation during repair period

Original value (new car value) coverage

Optional coverage that pays compensation based on new vehicle value instead of market value

24/7 Car help and roadside assistance

24/7 roadside assistance including towing, fuel provision, battery service, and repair at authorized service networks

Damage or theft of personal belongings

Optional coverage for damage to or theft of personal items in the vehicle

Key theft and unsuitable fuel protection

Coverage for replacement of ignition keys and anti-theft system in case of theft, and fuel type mismatch consequences

Lease liability and market value loss protection

Optional coverage protecting against residual value depreciation and lease payment obligations after total loss

Windscreen replacement with zero deductible

Glass damage coverage with no deductible when replacing at authorized IF service partners; EUR 140 deductible at other services

EV charging cable and charging station protection

Coverage for theft or damage to personal charging cable and liability for public charging station damage up to EUR 2,000

Increased deductible for repairs outside Latvia

EUR 600 deductible applies when repairs are performed outside Latvia, Lithuania, or Estonia

Anti-theft security system requirement for theft coverage

Theft risk is excluded if vehicle lacks required anti-theft system specified by IF; can be added after system installation

Vehicle photo verification requirement

Certain vehicle models require visual verification through submitted photos after policy purchase; verification is mandatory part of policy

Deductible application for multiple events

Deductible applies to each insured event independently; note that some scenarios may have reduced or waived deductibles

Territorial coverage must be selected at purchase

Policy coverage area must be specified: Latvia-only, Baltic States, or Europe; affects both premium and claim eligibility