Casco (own-damage car insurance) — Lithuania

[1] Own damage: Covered ↩

Covers losses if the vehicle or its additional equipment is damaged or destroyed in a sudden and unexpected event; the payable sum is based on the vehicle's market value or new value at the time of the loss, as chosen in the contract, not a fixed monetary limit.

Padengsime nuostolius, jei staigaus ir netikėto įvykio metu sugadinama ar sunaikinama: transporto priemonė; jos papildoma įranga.

[2] Total loss: Covered ↩

The vehicle is deemed destroyed (sunaikinimas) when repair costs exceed 75% of its market value on the date of loss; the payout equals the agreed sum insured (market value or new value) less the value of any salvage, not a separate fixed limit.

Sunaikinimas – įvykis, kai žalos atveju transporto priemonės remonto išlaidos viršija 75 % jos rinkos vertės draudžiamojo įvykio dieną.

[3] Partial loss: Covered ↩

Covers repairable damage caused by fire, smoke, extinguishing, natural perils, third-party wilful acts and other sudden unexpected events; repair costs are calculated so the vehicle returns to its pre-loss condition, minus the deductible.

Žala transporto priemonei, atsiradusi dėl: gaisro; dūmų; suodžių; gaisro gesinimo; stichinių nelaimių; neteisėtų veiksmų, tokių kaip trečiųjų asmenų tyčinė veika.

[4] Theft & robbery: Covered ↩

Covers unlawful covert or open taking of the vehicle, including by force or threat of force; if only vehicle parts (not additional equipment) are stolen, no cash payout is possible - only direct repair/part-replacement costs per an agreed estimate are reimbursed.

Neteisėtas slaptas arba atviras transporto priemonės pasisavinimas. Tai apima ir smurto ar grasinimo smurtu atvejus.

[5] Glass damage: Covered ↩

Damage to windows, sunroof, panoramic roof, mirrors or lights is compensated if it is the only damage from the event; no deductible is applied if the glass is replaced or repaired at the insurer's designated workshop.

Žala: langams; stoglangiui; panoraminiam stogui; veidrodėliams ar žibintams visa tai kompensuojama, jeigu tai vienintelė draudžiamojo įvykio sukelta žala.

[6] Natural perils: Covered ↩

Damage caused by storms, floods, lightning and hail, including objects falling as a result of these events, is covered as part of the base KASKO damage cover.

stichinių nelaimių;

[7] Vandalism: Covered ↩

Covers damage to the vehicle caused by wilful acts of third parties intended to damage or destroy it.

neteisėtų veiksmų, tokių kaip trečiųjų asmenų tyčinė veika.

[8] Roadside assistance: Covered ↩

Included as standard within the KASKO product for vehicles up to 3.5 tonnes (vehicle start-up, tyre/spare-wheel help, fuel delivery up to 10 litres for the whole policy period, EV towing to a charging point, recovery, one-off transport, up to 5 days of storage, hotel/onward transport, spare key delivery or emergency unlocking); a reduced set of benefits (recovery, one-off transport, storage up to 5 days, hotel/onward transport) also applies to vehicles over 3.5 tonnes. No single overall monetary limit for the roadside package is stated in the current terms - individual sub-limits (e.g. fuel litres, storage days) apply as described.

Jei dėl įvykio transporto priemonė, kurios bendroji masė neviršija 3,5 tonos, negali ar jai draudžiama dalyvauti eisme, mes suteiksime arba kompensuosime tavo išlaidas už šias paslaugas:

[9] Replacement vehicle: Conditional ↩

A replacement vehicle (up to medium class) is provided if the insured vehicle becomes unfit to drive due to an insured event or mechanical failure and repairs take longer than one day, on condition the repair is carried out at a workshop agreed with the insurer. It is provided for the whole repair period in Lithuania, or up to 30 days for the whole policy period abroad or in case of total loss/theft; it is not provided if a cash payout is chosen instead of repair, or after the insurance contract has ended (unless renewed).

Mes suteiksime pakaitinę transporto priemonę, jei dėl draudžiamojo įvykio arba mechaninio gedimo transporto priemonė tampa netinkama važiuoti.

[10] Driver accident: Optional ↩

Covers bodily injury, medical expenses, disability or death of persons in the insured vehicle due to a traffic accident; the sum insured per person is set in the contract based on the number of seats. Per the product information document, this cover can be selected additionally or may apply automatically depending on the contract, so availability is contract-specific rather than automatically part of every policy.

Jei eismo įvykio metu, važiuojant apdrausta transporto priemone, padaryta žala tavo sveikatai ar gyvybei, mes išmokėsime draudimo išmoką už šias draudimo rizikas:

[11] Own damage: Covered ↩

Covers any sudden and unforeseen damage to the insured vehicle, subject to the insured sum defined in the policy, except for the exclusions listed in the T&C.

[12] Total loss: Covered ↩

If repair is technically impossible or economically unjustified, the indemnity is calculated as the vehicle's market value immediately before the event, minus any salvage value and the applicable deductible.

[13] Partial loss: Covered ↩

If repair is technically possible and economically justified, the insurer indemnifies the costs of restoring the vehicle to its pre-loss condition, at a dealer, insurer-network or policyholder-chosen repair shop.

[14] Theft & robbery: Covered ↩

Covers open or covert theft/robbery of the whole vehicle and open or covert theft of parts built into the vehicle, subject to security-system and key-handover conditions; indemnity reduced by 50% if not all keys/security devices are surrendered (with specific exceptions).

[15] Glass damage: Optional ↩

When specifically agreed in the contract, covers damage to all vehicle glass (windscreen, rear, side, sunroof, panoramic roof), including thermal-crack breakage, with no deductible and an unlimited number of claims during the policy term, provided only glass is damaged.

[16] Natural perils: Covered ↩

Damage from weather and natural events (storm, hail, flooding, falling trees etc.) is covered under the general 'sudden and unforeseen damage' risk, except that large-scale natural catastrophes with mass casualties (e.g. earthquakes, mass landslides) are excluded.

[17] Vandalism: Covered ↩

Malicious third-party damage to the vehicle falls under the general 'sudden and unforeseen damage' risk covered as standard, subject to the policy's general exclusions.

[18] Roadside assistance: €1,000 ↩

When specifically agreed in the contract, provides 24/7 roadside assistance including towing, unlimited in Latvia and capped at EUR 1,000 within the rest of the covered European territory; must be pre-arranged by phone with the insurer.

[19] Replacement vehicle: €30 ↩

When specifically agreed in the contract, reimburses rental costs for a replacement vehicle for up to 15 calendar days per policy term, at up to EUR 30 per day, paid without deduction of the deductible.

[20] Driver accident: Covered ↩

Driver and passenger accident insurance for injuries sustained in a road-traffic accident is included in the KASKO product; sums insured and limits are set under separate accident-insurance terms.

Produktā ir iekļauta arī transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana.

[21] Own damage: Covered ↩

Covers damage, destruction or loss of the insured vehicle caused by any sudden, unforeseen external mechanical force, fire or explosion during the policy period. The insured sum equals the vehicle's market value in Lithuania on the day of the event, unless the vehicle is insured under the 'new value' variant, in which case the sum equals the original purchase price.

Draudžiamasis įvykis yra bet koks draudimo sutarties galiojimo laikotarpiu atsitikęs įvykis, kurio metu dėl tiesioginio, staigaus ir nenumatyto mechaninės jėgos poveikio iš išorės ar dėl gaisro, sprogimo buvo sugadinta, sunaikinta apdrausta transporto priemonė.

[22] Total loss: Covered ↩

The vehicle is deemed destroyed if repair is technically impossible or repair cost would exceed 75% of the vehicle's market value on the day of the event (unless stated otherwise in the policy). Payout equals market value (or new value under the 'new value' variant) minus residual value of usable remains and any deductible.

Transporto priemonė (papildoma įranga) laikoma sunaikinta, jeigu jos remontas negalimas dėl techninių priežasčių arba jos remonto kaina viršytų 75% transporto priemonės (papildomos įrangos) rinkos vertės, buvusios draudžiamojo įvykio dieną, jei draudimo sutartyje nenumatyta kitaip.

[23] Partial loss: Covered ↩

If the vehicle is repairable, loss is calculated based on actual repair costs (labor, paint, replacement parts) needed to restore the vehicle to its pre-loss condition, capped at the insured sum. Under the 'with depreciation' variant, parts are priced at used/non-original market rates; under 'without depreciation', new original parts are used at repair-day prices.

Transporto priemonės sugadinimo atveju, nuostolio dydis nustatomas pagal faktines remonto išlaidas, kurias sudaro remonto darbų vertė, dažymo darbų vertė, keičiamų dalių (detalių) vertė, bei kurios yra būtinos atkurti sugadintą transporto priemonę.

[24] Theft & robbery: Covered ↩

Covers secret or open theft of the vehicle or its parts, and robbery (seizure of the vehicle using or threatening force). Payout equals market value (or new value under the 'new value' variant), minus deductible; a percentage deductible applies and cannot be lower than the fixed unconditional deductible stated in the policy.

Transporto priemonės ir/ar atskirų jos dalių vagystės atveju yra taikoma procentinė išskaita nurodyta draudimo liudijime, kuri negali būti mažesnė nei besąlyginė išskaita.

[25] Glass damage: Covered ↩

Covers sudden and unexpected breakage of the vehicle's body glass, exterior mirrors and light glass. A specific glass-breakage deductible applies when the glass is replaced (not merely repaired) at a BTA-designated glass repair shop or authorized service center; if the glass is repaired rather than replaced, no deductible is applied.

Jeigu transporto priemonės stiklas remontuojamas, o nekeičiamas – tokiu atveju išskaita nėra taikoma.

[26] Natural perils: Covered ↩

Covers damage, destruction or loss caused by natural forces such as storm, hail and heavy rain, as part of the general insured-event definition (sudden, unforeseen external mechanical force). No separate sub-limit is stated; payout follows the general own-damage rules.

Draudžiamasis įvykis yra bet koks draudimo sutarties galiojimo laikotarpiu atsitikęs įvykis, kurio metu dėl tiesioginio, staigaus ir nenumatyto mechaninės jėgos poveikio iš išorės ar dėl gaisro, sprogimo buvo sugadinta, sunaikinta apdrausta transporto priemonė.

[27] Vandalism: Covered ↩

Covers damage caused by intentional acts of third parties (e.g. vandalism, robbery), included within the general insured-event definition. No separate sub-limit is stated.

taip pat jei apdrausta transporto priemonė (jos dalis (-ys) buvo pavogta ar užvaldyta plėšimo būdu.

[28] Roadside assistance: Optional ↩

Roadside assistance is available as an optional risk (Roadside assistance I or II). Separately, as part of standard claim costs, BTA reimburses towing after a covered event up to EUR 500 (Lithuania) / EUR 1,500 (abroad) for vehicles up to 3,500 kg, and EUR 800 / EUR 4,000 for heavier vehicles.

BTA atlygina tik faktiškai padarytas ir atitinkamais dokumentais patvirtintas išlaidas, būtinas transporto priemonei buksyruoti (pervežti) iki artimiausių remonto dirbtuvių, bet ne daugiau kaip 500 Eur Lietuvos Respublikoje ir 1500 Eur užsienyje transporto priemonėms, kurių leidžiamas maksimalus svoris (bendroji masė) neviršija 3500 kg, bei 800 Eur Lietuvos Respublikoje ir 4000 Eur užsienyje transporto priemonėms, kurių leidžiamas maksimalus svoris (bendroji masė) viršija 3500 kg.

[29] Replacement vehicle: Not established from the reviewed documents ↩

The insured vehicle is replaced with another vehicle while a technical breakdown is fixed or repairs after an insured event are carried out; the service is provided under the selected optional risk 'Roadside assistance I' or 'Roadside assistance II' and the rental company's terms.

[30] Driver accident: Optional ↩

Optional ancillary cover for injuries to the driver and passengers; it ends together with the vehicle's CASCO cover.

Išnykus transporto priemonės draudimo rizikai, kartu nutrūksta ar pasibaigia ir jos papildomos įrangos draudimas bei vairuotojo ir keleivių draudimas nuo nelaimingų atsitikimų.

[31] Own damage: Covered ↩

Losses from theft, damage or destruction of the vehicle are compensated for all sudden and unforeseen incidents caused by an unexpected external force during the policy period, except for excluded events, and this all-risks clause (No. 3) applies in all three condition packages (Minimal, Basic, Extended).

Nuostolis pagal Taisyklėse numatytas nuostatas dėl Automobilio vagystės, sugadinimo arba sunaikinimo atlyginamas dėl visų staiga ir netikėtai draudimo apsaugos galiojimo laikotarpiu įvykusių atsitikimų, paveiktų nenumatytos išorinės jėgos poveikio, išskyrus Taisyklėse numatytus nedraudžiamuosius įvykius ir / arba aplinkybes, dėl kurių draudimo išmoka nėra mokama.

[32] Total loss: Covered ↩

The vehicle is deemed destroyed if repair is technically impossible, economically unreasonable (repair cost equals or exceeds the sum insured less residual value), or repair cost exceeds 75% of the sum insured; the payout equals the sum insured (New Value variant) or market value (Market Value variant) less residual value.

9.3.1.2. jo remontas ekonominiu požiūriu yra netikslingas, t.y. tada, kai būtinojo remonto išlaidos yra lygios Automobilio draudimo sumos ir liekanų vertės skirtumui ar jį viršija; ... 9.3.1.3. būtino remonto išlaidos višija 75 % draudimo sumos.

[33] Partial loss: Covered ↩

If the vehicle can be repaired under normal conditions, the loss equals the repair cost; the claim is paid on presentation of documents confirming the repair costs incurred.

jeigu Automobilis gali būti suremontuotas įprastomis sąlygomis, nuostolio dydį sudaro Automobilio remonto kaštai. Draudimo išmoka mokama tik pateikus dokumentus, patvirtinančius patirtas Automobilio remonto išlaidas;

[34] Theft & robbery: Covered ↩

Theft or robbery of the vehicle (as defined under the Lithuanian Criminal Code) is covered under the all-risks clause in every package; cover requires the vehicle to have been locked and its required anti-theft security system active at the time of the incident.

Vagystės ar bandymo pavogti metu Automobilis nebuvo užrakintas; taip pat, jei dėl bet kokių priežasčių neveikė (nebuvo įjungta / aktyvuota) reikalaujamo bei draudimo sutartyje numatyto lygio apsaugos sistema

[35] Glass damage: Covered ↩

Glass breakage is covered as part of the all-risks clause in all packages. A deductible waiver additionally applies: in the Basic package only for front windscreen/headlight glass (No. 8.1), and in the Extended package for any single exterior glass (windows, headlights, sunroof, mirrors, No. 8.2), provided only one glass item is damaged and repair/replacement is done at the insurer's chosen glass repair company; repair at an authorised dealer without a deductible additionally requires a valid manufacturer warranty (No. 8.3, Extended only).

Išskaita nėra taikoma nuostoliams dėl priekinio Automobilio stiklo arba priekinio žibinto stiklo sugadinimo, jeigu įvykio metu yra sugadintas tik vienas stiklas arba žibintas be kitų stiklų, žibintų, agregatų, detalių ir / arba dalių

[36] Natural perils: Covered ↩

Damage from hail, wind, storm or lightning is covered under the all-risks clause in all packages, with the standard deductible applying in the Minimal and Basic packages; only in the Extended package (No. 23) is the deductible waived for such damage.

Išskaita nėra taikoma dėl žalos, atsiradusios dėl tiesioginio krušos, vėtros, audros ar žaibo poveikio.

[37] Vandalism: Not established from the insurer's documents ↩

Damage caused by unlawful acts of third parties is covered under the all-risks clause (No. 3) in every package.

Trečiųjų asmenų neteisėta veika

[38] Roadside assistance: €3,500 ↩

24/7 roadside assistance (phone consultation, minor on-site repair, towing, taxi, overnight stay, legal and translation help) is included in the Basic and Extended packages (not in Minimal), for vehicles up to 3,500 kg gross weight; combined benefits per event are capped at 3,500 EUR.

Bendra dėl vieno įvykio suteiktų paslaugų suma negali viršyti 3 500 EUR

[39] Replacement vehicle: 7 days – 14 days ↩

A replacement vehicle is provided if repair takes longer than 1 working day: up to 7 days in the Basic package, and up to 10 days in the Extended package if towing was necessary or not necessary; extension, delivery to a location in Lithuania and return of the replacement vehicle is available for up to 14 days, but only in the Extended package. Not available in the Minimal package. For an insured EV requiring mandatory post-repair systems testing, the replacement vehicle is provided without the day limit until repair is finished.

Pakaitinis automobilis suteikiamas numatytam laikotarpiui, bet visais atvejais ne ilgesniam kaip iki apdrausto Automobilio remonto pabaigos.

[40] Driver accident: Optional ↩

By mutual agreement, explicitly noted on the policy, the driver and passengers can be insured against accidents together with the vehicle; the sum insured per seat is agreed individually and the payout percentage is determined using the injury scale in Table 6 (e.g. 100% for death, up to 100% for severe disability).

Abipusiu susitarimu, tai aiškiai nurodant draudimo liudijime, kartu su Jūsų Automobiliu šių Taisyklių pagrindu nuo nelaimingų atsitikimų gali būti apdraustas vairuotojas ir keleiviai.

[41] Own damage: 100% of insured sum ↩

Covers damage or destruction of the insured vehicle caused by direct, sudden and unforeseen external mechanical force, fire or explosion; indemnity is based on necessary repair costs to restore the vehicle's market value (or new value, if that option is chosen) before the loss, and cannot exceed the sum insured stated in the policy.

Draudžiamuoju įvykiu yra laikomas apdraustos transporto priemonės sugadinimas ar sunaikinimas dėl tiesioginio, staigaus ir nenumatyto mechaninės jėgos poveikio iš išorės ar dėl gaisro, sprogimo, taip pat jei apdrausta transporto priemonė ar jos dalis (-ys) buvo pavogta (-os) ar užvaldyta (-os) plėšimo būdu

[42] Total loss: 100% of insured sum ↩

The vehicle is deemed destroyed when necessary repair costs reach or exceed 75% of its value before the loss; the indemnity equals that value minus the residual value after the event, up to the sum insured. The 'new value' valuation option applies for no more than the first two policy years, after which cover automatically reverts to market value.

Jei būtinos remonto išlaidos yra lygios ar didesnės kaip 75 procentai transporto priemonės rinkos vertės iki draudžiamojo įvykio, transporto priemonė laikoma sunaikinta ir jos remontas ekonomiškai netikslingas.

[43] Partial loss: Covered ↩

Repair costs are reimbursed according to the necessary repair costs at ERGO's appointed workshop, or at the policyholder's chosen workshop if pre-agreed with ERGO and supported by payment documents; a deductible applies per event unless an exception applies.

remonto išlaidos apskaičiuojamos pagal mūsų parinktos remonto įmonės būtinas remonto išlaidas arba pagal Jūsų pasirinktos remonto įmonės būtinas ir su mumis suderintas remonto išlaidas, patvirtintas apmokėjimo dokumentais.

[44] Theft & robbery: 100% of insured sum ↩

A stolen or robbed vehicle (or its parts) is reimbursed at its market value (or new value, if chosen) at the time of loss, up to the sum insured; theft is not covered if keys were left in the vehicle or the agreed alarm/security system was inactive, and must be reported to police and to ERGO within 48 hours.

žalos dėl transporto priemonės ar jos dalių vagystės, jei šioje transporto priemonėje buvo palikti šios transporto priemonės degimo ar durų (bagažinės dangčio) rakteliai arba neįjungtos, neveikiančios ir (ar) nesumontuotos saugos sistemos (signalizacijos), numatytos draudimo sutartyje

[45] Glass damage: Covered ↩

Covers sudden, unforeseen damage where only the vehicle's glass (windscreen, rear/side windows, sunroof, mirror or light glass) is damaged by an external force, while other vehicle parts remain undamaged; no deductible applies when a chipped glass is repaired rather than replaced.

Stiklų draudimas apima bet kokius staiga ir netikėtai įvykusius įvykius, kai dėl išorės jėgų poveikio sugadinamas tik transporto priemonės stiklas, o kitos transporto priemonės dalys lieka nepažeistos.

[46] Natural perils: Covered ↩

Covers any damage or destruction of the vehicle caused by natural phenomena such as storm, downpour, hail, flood, landslide or snow load.

Gamtinės jėgos – bet koks transporto priemonės sugadinimas ar sunaikinimas dėl tokių gamtos sukeltų reiškinių kaip audra, liūtis, kruša, potvynis, nuošliaužos, sniego slėgis ir pan.

[47] Vandalism: Covered ↩

Covers direct damage to or destruction of the insured vehicle caused by unlawful acts of third parties, provided the act is not theft or robbery.

Trečiųjų asmenų neteisėta veika – bet koks tiesioginis apdraustos transporto priemonės sugadinimas ar sunaikinimas, atsiradęs dėl trečiųjų asmenų neteisėtų veiksmų, jei tai nėra vagystė ar plėšimas.

[48] Roadside assistance: €3,500 ↩

Optional cover requiring separate agreement noted on the policy. Includes on-site technical help, fuel delivery, lost-key delivery (each up to 450 EUR), towing/transport after breakdown or accident (unlimited in Lithuania, up to 2,250 EUR abroad), trip continuation/return and overnight accommodation (each up to 900 EUR), travel to/from the workshop (up to 100 EUR), vehicle storage (up to 14 days) and workshop-search assistance (unlimited). Total assistance costs incurred abroad are capped at an aggregate 3,500 EUR per event.

Pagalbos kelyje paslaugoms suteiktoms užsienyje taikomas bendras 3 500 EUR (su PVM) išmokos limitas, limitas taikomas vienam įvykiui.

[49] Replacement vehicle: Optional ↩

Provided as part of the optional roadside-assistance cover when repair at an agreed workshop takes longer than 24 hours. In Lithuania it is supplied for the whole repair period with no fixed day limit (subject to a 100 EUR refundable deposit); abroad it is limited to 15 days. A taxi allowance of up to 300 EUR can be chosen instead. A separate standalone temporary-rental option (not tied to a claim) can also be purchased, limited to 15 or 21 days at up to 100 EUR per day.

suteikiant pakaitinį automobilį Lietuvoje Jūs tur site palikti 100 EUR užstat automobilių nuomos bendrovei... Pakaitinis automobilis transporto priemonės visiško sunaikinimo ar vagyst s atveju suteikiamas ne ilgesniam nei 15 d. terminui.

[50] Driver accident: Optional ↩

Optional cover, sold alongside casco, for death, bodily injury (e.g. bone fractures) or disability suffered by the driver or passengers of the insured vehicle while it is being driven or while boarding/alighting; the insured sum is chosen individually by the policyholder.

Draudžiamuoju laikomas įvykis, kai vairuojant apdraustą transporto priemonę buvo sužaloti ar žuvo apdraustieji asmenys.

[51] Own damage: Covered ↩

The vehicle is insured against damage or destruction caused by any sudden and unforeseen event, or theft, occurring during the policy period, except for the listed exclusions. The insured sum is generally equal to the vehicle's market value on the day of the event unless a specific sum is stated in the policy.

draudžiamuoju įvykiu bus laikomas apdraustos transporto priemonės sugadinimas ar sunaikinimas dėl bet kokių draudimo sutarties galiojimo laikotarpiu atsitikusių staigių ir nenumatytų įvykių arba vagystės, išskyrus atvejus, nurodytus I dalies, 5 skyriuje.

[52] Total loss: Covered ↩

The vehicle is deemed destroyed if repair costs exceed 75% of its market value or of the insured sum on the day of the event. The payout equals the vehicle's market value on that day, minus the value of any remains, unless the remains are surrendered to the insurer.

Transporto priemonė (jos įranga) laikoma sunaikinta, jeigu jos remonto išlaidos po draudžiamojo įvykio sudaro daugiau nei 75% jos rinkos kainos draudžiamojo įvykio dieną arba daugiau nei 75% sutartyje nurodytos draudimo sumos.

[53] Partial loss: Covered ↩

The vehicle is deemed damaged (not destroyed) if repair costs are below 75% of market value or insured sum. Repair costs necessary to restore the vehicle to its pre-loss condition are reimbursed, subject to the depreciation option chosen and the overall insured sum.

Transporto priemonė (jos įranga) laikoma sugadinta, jeigu jos remonto išlaidos po draudžiamojo įvykio sudaro mažiau nei 75% jos rinkos vertės draudžiamojo įvykio dieną arba 75% sutartyje nurodytos draudimo sumos.

[54] Theft & robbery: Covered ↩

Theft or robbery of the vehicle or its parts, including damage caused during the theft/robbery, is covered as part of the all-risks protection. Without an official document confirming the event, the indemnity is capped at EUR 1,500 pending further verification.

Vagystės ir plėšimo, trečiųjų asmenų veikos, gaisro ar sprogimo atveju, nepateikus kompetentingos institucijos išduoto įvykį patvirtinančio dokumento, mokama draudimo išmoka ne didesnė nei 1 500 EUR.

[55] Glass damage: Covered ↩

If only the vehicle's glass is damaged or destroyed and it is repaired/replaced at the insurer's nominated garages (for Maxi, also at an official dealer's garage), the deductible is not applied. There is no limit on the number of such claims per policy period; this does not apply to theft.

tuomet draudimo išmoka nėra mažinama besąlyginės išskaitos dydžiu. Per draudimo sutarties galiojimo laikotarpį išmokų skaičius nėra ribojamas. Sąlyga netaikoma vagystės atveju.

[56] Natural perils: Covered ↩

Damage caused by storm (wind gusts over 18 m/s), hail (hailstones ≥10 mm), flood (sudden, unexpected rise of water level — excluded in areas that flood at least once every 7 years), downpour (≥15 mm rain in 12 hours), and direct lightning strike causing fire, is covered as part of the all-risks protection.

Audra - atlyginame žalas, sukeltas audros. Audra laikoma stiprus vėjas, kai maksimalių vėjo gūsių greitis viršija 18 metrų per sekundę.

[57] Vandalism: Covered ↩

Damage or destruction of the vehicle, its parts, or additional equipment caused by malicious acts of third parties, including arson or attempted arson (unless it constitutes theft/attempted theft), is covered.

Trečiųjų asmenų veika laikomas transporto priemonės, jos detalių ar papildomos įrangos sugadinimas ar sunaikinimas, transporto priemonės padegimas ar susprogdinimas dėl trečiųjų asmenų veikos, jei tai nėra vagystė ar bandymas pavogti.

[58] Roadside assistance: €2,300 – €3,000 ↩

Standard across Mini, Midi and Maxi (per the T&C's table 7.11), covering breakdowns, accidents, towing, minor roadside repairs, tyre change, jump-starts, fuel delivery, lock-outs and related services, provided assistance cover is noted in the policy. The overall per-event indemnity limit is EUR 2,300 under the '4x4' package (Lithuania only) or EUR 3,000 under the '4x4 Turbo' package (Europe-wide).

Draudimo išmoka pagal visas paslaugas per vieną įvykį negali viršyti 2 300 EUR, paketo „4x4“ atveju ir 3 000 EUR paketo „4x4 Turbo“ atveju;

[59] Replacement vehicle: Conditional ↩

Under the roadside assistance cover, a replacement vehicle (up to C-class, M1 category only) is provided for up to 14 days while the car is repaired or after theft; abroad only after a towing service or theft, capped at EUR 50/day. The driver pays the rental car's insurance, fuel and extension costs.

Pakaitinio automobilio nuomos išlaidos atlyginamos, tik jei buvo suteikta transportavimo paslauga arba po vagystės.

[60] Driver accident: Conditional ↩

Insurance of the driver and/or passengers against bodily injury, disability or death sustained in an accident involving the insured vehicle. Included as standard in Midi and Maxi; available only as a paid add-on in Mini. The insured sum is set by agreement between the policyholder and insurer.

Vairuotojo ir/ar keleivių draudimas nuo nelaimingų atsitikimų Draudimo apsauga, pagal šių taisyklių pagalbos draudimo sąlygas Nr. 049/4, galioja toje teritorijoje, kur galioja transporto priemonės draudimas

[61] Own damage: Covered ↩

Core complex cover for damage, destruction or loss of the insured vehicle. The sum insured equals either the vehicle's market value on the loss date, or, if new-value insurance is chosen, the value stated in the purchase contract; this is the maximum payable per event.

Draudžiamasis įvykis yra apdrausto automobilio sunaikinimas, sugadinimas ar praradimas dėl bet kokių atsitikimų, staiga ir netikėtai įvykusių draudimo apsaugos galiojimo laikotarpiu

[62] Total loss: Covered ↩

A vehicle is deemed destroyed when repair is technically impossible or economically unreasonable (repair cost equals or exceeds sum insured minus residual value). The indemnity equals the sum insured less the vehicle's residual (salvage) value, less the deductible.

Nuostolis dėl automobilio sunaikinimo yra lygus automobilio draudimo sumos ir liekanų vertės skirtumui.

[63] Partial loss: Covered ↩

Necessary repair costs to restore the vehicle to its pre-loss condition are reimbursed, up to the sum insured, either via a partner repair shop invoice or, if the client-chosen-workshop option applies, against agreed invoices, less the deductible.

Nuostoliu dėl automobilio sugadinimo laikome šias išlaidas: tiesiogiai dėl draudžiamojo įvykio ir dėl gelbstint nukentėjusiuosius padarytų sugadinimų atsiradusias išlaidas, būtinas automobiliui suremontuoti iki būklės, buvusios prieš pat draudžiamąjį įvykį.

[64] Theft & robbery: Covered ↩

Loss due to theft or robbery of the vehicle is indemnified at the full sum insured, less the deductible; cover is void if insurer-required anti-theft devices were not properly fitted, or if keys/documents were left in the vehicle.

Nuostolis dėl automobilio praradimo (vagystės) yra lygus automobilio draudimo sumai.

[65] Glass damage: Covered ↩

Breakage or destruction of body glass, mirrors and lights is covered as part of the complex-cover risk list; the deductible is waived for M1-category vehicles on every claim (once per policy term for other categories) if repaired at a designated glass shop or, for new-value cover, an authorised dealer.

mokėdami draudimo išmoką dėl automobilio stiklų (kėbulo stiklų, išorinių veidrodžių, žibintų) sugadinimo ar sunaikinimo, kai žala padaryta tik stiklams

[66] Natural perils: Covered ↩

Damage from natural forces is one of the complex-cover risks; the deductible is waived for direct storm, flood or lightning damage (e.g. a fallen tree), though not for damage arising from the driver's own reaction to weather conditions (e.g. skidding).

mokėdami draudimo išmoką dėl žalos, atsiradusios dėl tiesioginio potvynio, audros (pvz.: ant apdrausto automobilio užvirto medis, pastatas ar kiti objektai arba jų dalys), žaibo poveikio.

[67] Vandalism: Covered ↩

Damage caused by vandalism is listed among the standard complex-cover risks and is indemnified on the same basis as other own-damage claims, less the deductible.

Kompleksinis automobilio draudimas, – tai draudimas nuo: • Eismo įvykio • Sunaikinimo • Gaisro • Gamtinių jėgų • Vandalizmo • Vagystės • Stiklų sunaikinimo, sugadinimo • Kitų staigių ir netikėtų įvykių

[68] Roadside assistance: €2,500 ↩

Optional add-on (clause TTP-20231-303) providing 24/7 roadside assistance (call-out, minor repairs, towing, fuel delivery, vehicle storage) for motorcycles and vehicles up to 3500 kg and 2.9 m height; total service value is capped at 2,500 EUR per event.

Maksimali bendra techninės pagalbos tarnybos suteiktų paslaugų vertė yra 2 500 Eur vienam įvykiui.

[69] Replacement vehicle: Optional ↩

Optional add-on (clause TTP-20231-304). If repaired at an If partner or, under the client-choice option, an authorised dealer in Lithuania, a replacement car (up to mid-size, e.g. VW Golf class) is provided free within 24 hours for the whole repair period; otherwise it is provided for up to 30 days (7 days if the indemnity was first paid in cash). Abroad, the service value counts toward the shared 2,500 EUR per-event cap.

Jums pageidaujant mūsų techninės pagalbos tarnyba savo sąskaita per 24 val. neatlygintinai suteiks pakaitinį automobilį visam automobilio remonto laikotarpiui... pakaitinis automobilis suteikiamas automobilio gedimo šalinimo laikotarpiui, bet ne ilgiau kaip 30 dienų.

[70] Driver accident: Optional ↩

Optional add-on (clause TTP-20231-302) covering the driver and passengers for death, disability or injury from an accident linked to a covered vehicle event. The client chooses the total sum insured, shared pro-rata among occupants injured in one event; includes a 10,000 EUR sub-limit for home adaptation due to permanent disability.

Vairuotoją ir keleivius apdraudžiame Jūsų pasirinkta draudimo suma nuo mirties, neįgalumo ar traumų. Būsto pritaikymo specialiems poreikiams, atsiradusiems dėl nelaimingo atsitikimo, išlaidas atlyginame iki 10 000 Eur draudimo sumos.

[71] Own damage: Covered ↩

Covers repair costs or an indemnity for damage to the insured vehicle caused by a traffic accident, fire, natural forces or malicious acts of third parties. The indemnity is capped at the sum insured, which by default equals the vehicle's market value on the day of the loss, unless an agreed sum insured or the 'new value' option was chosen at inception. Under 'Transporto priemonės draudimas nauja verte' the loss is calculated on the vehicle's value at contract inception; under 'Detalių nusidėvėjimas netaikomas' repair costs are paid without deducting wear on replaced parts (if invoices are supplied); under 'Detalių nusidėvėjimas taikomas' a wear-and-tear deduction per the depreciation table applies unless equivalent used parts are fitted.

Draudžiamasis įvykis yra apdraustos transporto priemonės sugadinimas, sunaikinimas ar praradimas dėl bet kokių atsitikimų, staiga ir netikėtai kilusių dėl eismo įvykio, ugnies, gamtos jėgų, kitų asmenų piktavališkos veiklos, vagystės... ar bet kokių kitų įvykių, išskyrus įvykius, kurie Taisyklėse įvardyti kaip nedraudžiamieji.

[72] Total loss: Covered ↩

A vehicle is deemed destroyed when repair is technically impossible or economically unreasonable (repair cost equal to or exceeding the sum insured less salvage value). The indemnity equals the sum insured (market value at loss date, or under 'nauja verte' the value at contract inception) minus the salvage value.

Transporto priemonė laikoma sunaikinta, jeigu jos remontas negalimas dėl techninių priežasčių arba ekonominiu požiūriu nėra tikslingas. Transporto priemonę remontuoti ekonomiškai netikslinga, jei būtinosios remonto išlaidos yra lygios arba viršija transporto priemonės draudimo sumos draudžiamojo įvykio dieną ir liekanų vertės skirtumą.

[73] Partial loss: Covered ↩

Repairable damage is indemnified based on the repair costs necessary to restore the vehicle to its pre-loss condition (labour, paint, replacement parts less any applicable wear deduction), calculated per the garage-choice and valuation options selected in the policy.

Transporto priemonės sugadinimo atveju nuostolio dydis nustatomas pagal sugadintos transporto priemonės ar jos detalių ir (ar) dalių rinkos vertei, buvusiai iki draudžiamojo įvykio, atkurti būtinas remonto išlaidas, kurias sudaro remonto darbų vertė, dažymo darbų vertė, keičiamų dalių vertė (nuvertinant dalis dėl nusidėvėjimo), dažymo medžiagų vertė.

[74] Theft & robbery: Covered ↩

Covers theft of the whole vehicle or of individual parts, and damage caused during an attempted theft. The indemnity for a full theft equals the sum insured (market value at loss date, less deductible). Cover does not apply if the vehicle was left with open windows/sunroof/doors/boot, if it was stolen together with its keys left inside (except robbery), or if the required anti-theft devices were not properly installed or active.

transporto priemonės vagystė – visos transporto priemonės pagrobimas (Baudžiamojo kodekso 178 straipsnis) arba užvaldymas plėšimo būdu (Baudžiamojo kodekso 180 straipsnis), arba sugadinimai, padaryti bandant pavogti (Baudžiamojo kodekso 22 straipsnis), ir vykdant šias veikas padaryti transporto priemonės sugadinimai.

[75] Glass damage: Covered ↩

Covers breakage or cracking of the vehicle's body, mirror or headlight glass. If the glass is repaired or replaced at an LD-designated garage in Lithuania (or, under the 'nauja verte' option, at a warranty garage in Lithuania), the separate glass deductible stated in the policy applies; otherwise the policy's standard deductible applies.

Stiklo dūžio besąlyginė išskaita taikoma tik tuo atveju, kai sugadintas arba sunaikintas stiklas remontuojamas ar keičiamas: – Draudiko nurodytame autoservise Lietuvoje arba – garantiniame autoservise Lietuvoje, jei draudimo sutartyje pasirinktas draudimo sąlygų variantas „Transporto priemonės draudimas nauja verte“.

[76] Natural perils: Covered ↩

Covers damage from storm, heavy short-term rainfall, hail, snow load, flood, ground subsidence, landslide, and falling icicles/snow/ice.

Gamtos jėgos: audra – stiprus vėjas...; liūtis – trumpalaikis intensyvus lietus...; kruša – ledo gabaliukų krituliai...; sniego slėgis...; potvynis...; grunto suslūgimas...; nuošliauža...; varveklių, sniego ar ledo užkritimas, sniego nuošliaužos.

[77] Vandalism: Covered ↩

Covers direct damage to or destruction of the insured vehicle caused by malicious acts of other persons, where this is not a theft or attempted theft.

Kitų asmenų piktavališka veikla laikomas bet koks tiesioginis apdraustos transporto priemonės sugadinimas ar sunaikinimas, jei tai nėra vagystė ar bandymas pavogti.

[78] Roadside assistance: €2,500 ↩

Available if named on the policy and only for vehicles up to 3,500 kg registered as M1/N1. Includes phone consultation, jump-start, tyre change, fuel delivery, lock-out assistance, freeing from snow/mud, towing, replacement vehicle, taxi, hotel and trip-continuation support. Response times in Lithuania: 60 minutes in cities, 90 minutes on motorways/main roads, 180 minutes on other roads; transport within Lithuania is unlimited in distance and cost. Abroad, a combined limit of EUR 2,500 per incident applies, for a maximum of 2 incidents per contract period. Sub-limits (taxi, hotel, trip continuation, storage) differ between Package I (CASCO only) and the wider Package II (CASCO + MTPL with the same insurer).

užsienyje taikomas bendras vieno įvykio limitas – 2500 eurų. Taikomi atskiri limitai kiekvienai pasirinktai paslaugai (žr. toliau pateiktą lentelę). Užsienyje techninės pagalbos paslaugos teikiamos ne daugiau kaip dėl 2 įvykių per sutarties galiojimo laikotarpį.

[79] Replacement vehicle: Conditional ↩

Provided when the vehicle cannot be repaired within one working day (or is stolen/totalled), and only if named on the policy for eligible vehicles (up to 3,500 kg, M1/N1). In Lithuania it is delivered within 12 hours to the client's chosen location and, when repaired at an LD-recommended garage, is provided for the full repair period; otherwise (or if totalled/stolen) it is capped at 14 days. Abroad it is capped at 14 days and collected by the client from a designated rental point. A refundable deposit (around EUR 300) is required. An M1-category, not-above-mid-range vehicle is provided, not necessarily with equivalent features.

Pakaitinis automobilis suteikiamas, jeigu: 4.1.1. autoservise šalinami per draudžiamąjį įvykį atsiradę transporto priemonės apgadinimai... 4.1.3. transporto priemonė per įvykį sugadinta nepataisomai; 4.1.4. transporto priemonė pavogta.

[80] Driver accident: Optional ↩

Optional cover, active only if selected and shown on the policy. Pays a percentage of the chosen sum insured (divided equally among all actual occupants) for bodily injury or death of the driver or passengers resulting from an accident involving the insured vehicle, per the injury schedule (Traumų lentelė). No deductible applies to this cover.

Vairuotojas ir keleiviai laikomi apdraustais nelaimingų atsitikimų draudimu, jei vairuotojo ir keleivių draudimas nurodytas draudimo liudijime.

[81] Own damage: Covered ↩

Wide-risk cover compensates any sudden and unexpected event, e.g. fire, traffic accident, vandalism, natural disaster, collision with a wild animal, theft or robbery, resulting in damage or destruction of the insured object, except cases excluded in the terms and conditions. Offered under both the Standard and Elite Casco variants.

Draudimas nuo bet kokio staigaus ir nenumatyto įvykio, pvz.: gaisro, eismo įvykio, vandalizmo, stichinės nelaimės, transporto priemonės susidūrimo su laukiniu gyvūnu, vagystės ar plėšimo, dėl kurio draudimo objektas apgadinamas ar sunaikinamas, išskyrus taisyklėse numatytus atvejus.

[82] Total loss: Covered ↩

In the event of theft or total loss of the vehicle, the insurer pays whichever is higher: the contracted value stated in the insurance certificate, or the current market value.

Vagystės ar visiško automobilio praradimo atveju atlyginama ta vertė, kuri yra didesnė – sutarta draudimo suma, nurodyta draudimo liudijime, arba rinkos vertė.

[83] Partial loss: Covered ↩

Covers repair costs for partial damage resulting from a covered event. New original manufacturer spare parts are used to repair vehicles up to five years old; vehicles older than three years may have non-original glass fitted.

Automobilių iki penkerių metų remontui naudojamos naujos originalios gamintojo atsarginės dalys. Senesnių nei trejų metų automobilių stiklai taip pat gali būti keičiami neoriginaliais.

[84] Theft & robbery: Covered ↩

Theft or robbery of the insured vehicle is covered under the wide-risk Casco policy; the insurer pays whichever is higher: the contracted value or the current market value.

Draudimas nuo bet kokio staigaus ir nenumatyto įvykio, pvz.: ... vagystės ar plėšimo, dėl kurio draudimo objektas apgadinamas ar sunaikinamas, išskyrus taisyklėse numatytus atvejus.

[85] Glass damage: Covered ↩

Under Standard Casco, the deductible for glass breakage is 0 EUR when repairs are carried out at the insurer's nominated workshop. Original glass is used for vehicles up to three years old; older vehicles may have non-original glass fitted.

Draudimo tipas – Standartinis Kasko draudimas, išskaita visiems įvykiams, išskyrus vagystę – 200 EUR, vagystei – 10 %, bet ne mažiau negu 200 EUR, stiklo dūžiui – 0 EUR (jei remonto darbai atliekami draudimo bendrovės nurodytame servise).

[86] Natural perils: Covered ↩

Natural disasters are explicitly listed as an example of a covered sudden and unforeseen event under the wide-risk Casco policy.

Vagystė, plėšimas; Vandalizmas; Gaisras; Stichinės nelaimės; Krintantys objektai; Susidūrimas su kita transporto priemone; Susidūrimas su kliūtimi.

[87] Vandalism: Covered ↩

Vandalism is explicitly listed as an example of a covered sudden and unforeseen event under the wide-risk Casco policy.

Vagystė, plėšimas; Vandalizmas; Gaisras; Stichinės nelaimės; Krintantys objektai; Susidūrimas su kita transporto priemone; Susidūrimas su kliūtimi.

[88] Roadside assistance: Covered ↩

24/7 roadside assistance is included with the Casco policy, described by the insurer as valid in many European countries, covering situations such as a flat tyre, running out of fuel, keys locked inside the car, or vehicle transportation after a breakdown or accident.

Pagalba kelyje daugelyje Europos šalių visą parą.

[89] Replacement vehicle: €30 – €60 ↩

Optional, paid add-on available under both Standard and Elite Casco: reimburses replacement vehicle rental costs (or other approved travel expenses) when the policyholder cannot use their vehicle due to a covered event, for up to 30 days per insured event. The policyholder can choose a daily reimbursement amount of 30 or 60 EUR.

Mes apmokėsime išlaidas pakaitiniam automobiliui už laikotarpį iki 30 dienų vienam draudžiamajam įvykiui. Galite pasirinkti per dieną atlyginamą sumą - 30 arba 60 eurų.

[90] Driver accident: €10,000 ↩

Included only in the Elite Casco variant, on top of all Standard Casco benefits. Pays a 30 EUR daily benefit for temporary incapacity, and a one-off payment of up to 10,000 EUR for disability or death resulting from a covered event.

Laikino nedarbingumo atveju mokame dienos kompensaciją po 30 eurų, o neįgalumo arba mirties atveju - vienkartinę kompensaciją, maks. 10 000 eurų.