BAN Casco (own-damage car insurance) (Kasko)
Underwritten by "Baltijas Apdrošināšanas Nams" AAS Lietuvos filialas · Lithuania
casco (own-damage car insurance) from BAN for the Lithuania market, with 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
Unlimited windscreen and window glass claims with no deductible for the whole policy term.
Pothole and wildlife-collision damage covered once per policy period with no deductible applied.
New-value replacement cover for vehicles under 2 years old and under 50,000 km after theft or major damage.
Hydraulic-lock (water ingress) engine and transmission damage covered up to EUR 7,000 with no deductible.
24/7 roadside assistance with unlimited towing coverage within Latvia and up to EUR 1,000 elsewhere in Europe.
Coverage limits
Own Damage (Vehicle 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.
Total Loss / Write-off
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.
Partial Loss / Repair Costs
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.
Theft and Robbery (incl. Theft of Parts)
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).
All-Glass Cover, No Deductible
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.
Natural Perils (Storm, Flood, Hail, etc.)
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.
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.
24/7 Roadside Assistance
€1K
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.
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.
Driver and Passenger Accident Insurance
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.
Section: Kas ir šis apdrošināšanas veids?
Produktā ir iekļauta arī transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana.
Key conditions
Driver age and experience limit
If the vehicle was driven by a person younger, or with less driving experience, than stated in the contract, the indemnity for vehicle damage or total loss is reduced by 20%.
Repair network requirements
Repairs are carried out at the manufacturer's authorized dealer (if the 'Dealer Service Repair' option is chosen or the factory warranty is valid), at the insurer's partner workshop, or at a repair shop chosen by the client (excluding manufacturer-authorized workshops), reimbursed up to standard local market rates.
Anti-theft requirements
Coverage is conditional on the vehicle being fitted with, and keeping in working order, the security systems specified in the contract; failure to have them installed, functioning or engaged, or leaving keys/control devices easily accessible, results in denial or reduction of the claim.
Claim notification deadline
The policyholder, insured, authorized user or beneficiary must immediately, as soon as possible, notify the responsible authority (police, fire and rescue service, etc.) of the event and submit the claim application to the insurer; the T&C does not specify a fixed number of days.
Deductible rules
No deductible applies to vehicle-damage claims from road accidents in Latvia where the at-fault party's MTPL insurer is identified; otherwise the contractual deductible applies for damage/theft-of-parts and a separate deductible for theft/robbery and for total loss; from the second claim in the policy period the damage/theft-of-parts deductible is at least EUR 150; where multiple deductible rules could apply, only the single largest deductible is applied.
Direct payment
Claims for vehicle repair are settled through repair at the manufacturer's authorized dealer, at a repair shop chosen by the client, or at the insurer's partner service centre, as specified in the insurance contract.
Territorial scope
Three selectable territories: Baltics (Latvia, Lithuania, Estonia); Europe (Baltics plus most EU/EEA countries, Switzerland, UK-adjacent states); Europe+CIS (Europe plus Belarus, European Russia west of the Urals, Moldova and Ukraine).
Documents
Land Vehicle All-Risk Insurance Terms No. 71.06 (CASCO) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (KASKO) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document (KASKO) - broker mirror (opens in a new tab)
Product information sheet · PDF
Policy specifics
Driver and Passengers Accident Insurance
Additional coverage for injuries to driver and passengers included in standard CASCO product
SourcePage 1Section: Kas ir šis apdrošināšanas veids?
Produktā ir iekļauta arī transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana.
Territorial Coverage Options
Multiple coverage zones available: Baltics only, Europe, or Europe+CIS
SourcePage 2Section: Kur apdrošināšana ir spēkā?
Ir iespējams izvēlēties kādu no šādām apdrošināšanas darbības teritorijām: Baltija - Līgums ir spēkā Latvijā, Lietuvā, Igaunijā; Eiropa - Līgums ir spēkā Latvijā, Lietuvā, Igaunijā, Albānijā...
Replacement Vehicle Service
Provision of replacement vehicle during repair period following insured event
SourcePage 1Section: Kas tiek apdrošināts? > Diennakts autopalīdzības pakalpojumi un maiņas auto
Maiņas auto līdz 15 dienām ar limitu 30 EUR diennaktī
24/7 Roadside Assistance
Round-the-clock technical assistance for vehicle breakdowns and emergencies
SourcePage 1Section: Kas tiek apdrošināts? > Diennakts autopalīdzības pakalpojumi un maiņas auto
Diennakts autopalīdzības pakalpojumi, ieskaitot evakuāciju Latvijas teritorijā bez limita un Eiropas teritorijā, ar limitu 1000 EUR
Deductible (Excess) Amount
Policyholder must select deductible amount that applies per each insured event
SourceIntoxication Exclusion
Coverage does not apply if driver was under influence of alcohol or drugs
SourcePage 2Section: Vai ir kādi seguma ierobežojumi?
Segums nav spēkā, ja Transportlīdzekļa vadītājs vadījis to alkoholisko dzērienu, narkotisko vai citu apreibinošo vielu ietekmē.
Tire Wear Assessment Method
Tire wear determined per Latvian Motor Insurers' Bureau technical expertise methodology
SourceClause 6.4Page 17Section: 6. HOW WE CALCULATE AND DISBURSE INSURANCE INDEMNITY > 6.4. In the event of damage to or theft of a wheel
We determine tire wear in accordance with the technical expertise methodology of the Latvian Motor Insurers' Bureau for compulsory third-party liability insurance of land vehicle owners.
Vehicle Operational and Security Requirements
Vehicle must be properly maintained, locked when unattended, and equipped with required safety systems
SourcePage 2Section: Kādas ir manas saistības?
Ievērot transportlīdzekļa ekspluatācijas noteikumus, kā arī, atstājot transportlīdzekli, to aizslēgt, aizvērt logus, ieslēgt pretaizdzīšanas sistēmas un tā atslēgas neatstāt viegli pieejamās vietās;
Vehicle Valuation and Repair-Cost Assessment Method
Repair costs and the vehicle's pre-loss market value are determined according to the Latvian Motor Insurers' Bureau's approved technical expertise methodology in force at the time of the event.
SourceSources
- broko.lvhttps://broko.lv/apdrosinasanas-noteikumi/ban/casco/14.05.2026/ipid.pdf#page=2(opens in a new tab)
- ban.lvhttps://www.ban.lv/files/noteikumi/ipid/kasko_apdrosinasanas_produkta_informacijas_dokuments.pdf#page=1(opens in a new tab)
- bta.lvhttps://www.bta.lv/media/terms/BTA-CASCO-03-V1-EN.pdf#page=17(opens in a new tab)