BTA Casco (own-damage car insurance) (Casco Standard)
Underwritten by AAS "BTA Baltic Insurance Company" filialas Lietuvoje · Lithuania
casco (own-damage car insurance) from BTA for the Lithuania market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2025-12-18Sources
Unique selling points
If one tire is completely destroyed in a covered event, BTA replaces two matching tires on the same axle without applying a deductible.
Damage, destruction or theft of additional (non-factory) equipment is reimbursed up to EUR 1,000 once per policy period, even if the equipment was not separately insured.
New vehicles purchased from an official dealer can be insured at their original purchase (new) value rather than depreciated market value.
Theft or destruction of the license plate is reimbursed up to EUR 50 without any deductible applied.
If keys are stolen and reported to police, BTA covers key duplication, lock replacement and security system reprogramming up to EUR 500.
Coverage limits
Own damage (collision/accident) coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 4. KOKIAIS ATVEJAIS MOKAMA DRAUDIMO IŠMOKA
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.
Total loss / destruction coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 11. KAIP MES NUSTATOME NUOSTOLIO DYDĮ
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.
Partial damage (repair) coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 11. KAIP MES NUSTATOME NUOSTOLIO DYDĮ
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.
Theft and robbery coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 11. KAIP MES NUSTATOME NUOSTOLIO DYDĮ
Transporto priemonės ir/ar atskirų jos dalių vagystės atveju yra taikoma procentinė išskaita nurodyta draudimo liudijime, kuri negali būti mažesnė nei besąlyginė išskaita.
Glass breakage coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 9. IŠSKAITA
Jeigu transporto priemonės stiklas remontuojamas, o nekeičiamas – tokiu atveju išskaita nėra taikoma.
Natural perils coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 4. KOKIAIS ATVEJAIS MOKAMA DRAUDIMO IŠMOKA
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.
Vandalism / third-party malicious acts coverage
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.
Section: SPECIALIOSIOS SĄLYGOS > 4. KOKIAIS ATVEJAIS MOKAMA DRAUDIMO IŠMOKA
taip pat jei apdrausta transporto priemonė (jos dalis (-ys) buvo pavogta ar užvaldyta plėšimo būdu.
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.
Section: SPECIALIOSIOS SĄLYGOS > 12. KOKIAS PAPILDOMAS IŠLAIDAS ATLYGINSIME
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.
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.
Driver and passenger accident insurance
Optional
Optional ancillary cover for injuries to the driver and passengers; it ends together with the vehicle's CASCO cover.
Section: SPECIALIOSIOS SĄLYGOS > 15. DRAUDIMO SUTARTIES NUTRAUKIMO, PAKEITIMO, PASIBAIGIMO TVARKA IR TERMINAI
Išnykus transporto priemonės draudimo rizikai, kartu nutrūksta ar pasibaigia ir jos papildomos įrangos draudimas bei vairuotojo ir keleivių draudimas nuo nelaimingų atsitikimų.
Key conditions
Driver age and experience limit
If the vehicle was driven by a person with less driving experience than specified in the contract, the event is treated as non-insured, except for the first such event, which is covered but subject to an additional unconditional deductible of EUR 500.
Repair network requirements
Under the 'with depreciation' variant, BTA selects the repair shop (choosing another reduces the payout to the cost at BTA's recommended shop). Under the 'without depreciation' and 'new value' variants, the policyholder may choose the repair shop.
Anti-theft requirements
Theft is not covered if the vehicle lacked the anti-theft equipment level specified in the policy or it malfunctioned, or if the vehicle was stolen using the original ignition key or original anti-theft control device. After a theft, registration documents, keys and alarm remotes must be handed over to BTA (unless lost in a robbery or given to police); leaving these items inside the vehicle at the time of the incident can reduce the payout by up to 50%.
Claim notification deadline
The policyholder must notify BTA without delay, and no later than within 3 working days, of a possible insured event (unless the special conditions state otherwise); competent authorities (police, fire service, emergency services) must be notified immediately.
Deductible rules
A fixed and/or percentage deductible applies per the policy schedule; where multiple deductibles could apply to the same risk, only the higher one is used. Special deductibles apply to glass replacement, and to theft/robbery (percentage deductible, never lower than the fixed unconditional deductible). An additional EUR 500 unconditional deductible applies for the first event caused by an under-experienced driver. Additional deductibles may also apply if required vehicle photographs are not submitted.
Direct payment
BTA may organize direct vehicle repair at an approved repair shop, or pay cash indemnity to the policyholder's bank account if the policyholder declines the repair service; for total loss or theft, BTA may pay cash or transfer an equivalent replacement vehicle.
Territorial scope
If the policy states territory 'Europe', coverage extends to a defined list of European countries including Ireland, Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Czechia, Denmark, Estonia, Greece, Iceland, Spain, Italy, UK, Cyprus, Croatia, Latvia, Poland, Liechtenstein, Lithuania, Luxembourg, Malta, North Macedonia, Moldova, Monaco, Norway, Netherlands, Portugal, France, Romania, Russia (European part only, up to the Urals), San Marino, Serbia and Montenegro, Slovakia, Slovenia, Finland, Sweden, Switzerland, Turkey (European part only), Ukraine, Hungary, Germany.
Documents
CASCO Insurance Terms and Conditions No. 03.02 (effective 18.12.2025) (opens in a new tab)
Terms & conditions · PDF
CASCO Insurance Terms and Conditions No. 03.01 (superseded, effective 01.03.2023) (opens in a new tab)
Terms & conditions · PDF
CASCO Insurance Product Information Document (aligned with Terms No. 03.02) (opens in a new tab)
Product information sheet · PDF
BTA KASKO product landing page (opens in a new tab)
Other document · PDF
Policy specifics
Glass breakage deductible
Not established from the insurer's documents
Special deductible rate applied specifically to glass replacement claims
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
Stiklo keitimui yra taikoma stiklo dūžio išskaita.
Vehicle theft conditions
Not established from the insurer's documents
Coverage for vehicle theft includes specific conditions regarding vehicle storage and documentation
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
Transporto priemonės vagystės atveju joje palikus registracijos dokumentus, užvedimo raktelius ir signalizacijos pultelius ir kt., draudimo išmoka yra mažinama;
Minimum driver experience requirement
Not established from the insurer's documents
Insurance coverage excludes or imposes additional deductibles if vehicle is driven by person with less driving experience than stated in contract
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
Jeigu transporto priemonę vairavo turintis mažesnį vairavimo stažą asmuo nei nurodyta sutartyje, įvykus įvykiui žala neatlyginama (išskyrus pirmąjį draudžiamąjį įvykį, kuriam taikoma papildoma besąlyginė išskaita);
Vehicle photography documentation requirement
Not established from the insurer's documents
Policyholder must submit photographs of the vehicle as required by insurer; failure to do so results in additional deductible
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
Nepateikus draudiko reikalaujamų transporto priemonės nuotraukų, taikoma papildoma išskaita.
Vehicle storage after incident
Insurance covers vehicle storage for up to 14 days after incident, provided transportation service was also provided
SourceSection: Dažniausiai užduodami klausimai
Jeigu po techninio gedimo, incidento ar autoįvykio reikalinga Jūsų transporto priemonės apsauga, suorganizuosime jo saugojimą net iki 14 parų laikotarpiui. Ši paslauga teikiama tuo atveju, jeigu buvo suteikta ir automobilio transportavimo paslauga.
Claims notification deadline
Not established from the insurer's documents
Policyholder must notify insurer of claim within 3 working days of incident
SourceThird-party source, not the insurer's documentPage 2Section: Kokios mano pareigos?
per 3 darbo dienas apie tai praneškite BTA (www.zalos.bta.lt/transportas) vykdykite BTA nurodymus bei pateikite prašomus dokumentus.
Territorial scope of coverage
Not established from the insurer's documents
Coverage applies in Lithuania and/or geographic Europe, with specific territory stated in policy document
SourceThird-party source, not the insurer's documentPage 2Section: Kur man taikoma draudimo apsauga?
Draudimo apsauga galioja Lietuvoje ir/ar geografinėje Europoje. Draudimo galiojimo teritorija nurodyta draudimo sutartyje.
Risk increase notification obligation
Not established from the insurer's documents
Policyholder must notify insurer of material changes affecting insured risk, such as change in vehicle use or registration
SourceThird-party source, not the insurer's documentPage 2Section: Kokios mano pareigos?
Pranešti BTA apie rizikos padidėjimą, ypač jeigu tai susiję su draudimo objektu ar jo naudojimo būdo, pasikeitimu (pvz. planuojate užsiimti mokamo keleivių pervežimo veikla, nebeveikia apsaugos sistemos, transporto priemonė perregistruota valstybiniame transporto priemonių registre)
Accident declaration requirement
Not established from the insurer's documents
In cases where police intervention is not required by road traffic rules, accident declaration must be completed by all accident participants
SourceThird-party source, not the insurer's documentPage 2Section: Kokios mano pareigos?
Tais atvejais, kai pagal kelių eismo taisykles policijos kviesti nereikalaujama, kartu su kitais eismo įvykio dalyviais užpildykite eismo įvykio deklaraciją.
Claims payment method options
Insurer may offer direct vehicle repair service with authorized repair shops or cash indemnity payment to policyholder's bank account
SourceSection: Dažniausiai užduodami klausimai
Gavus visus reikalingus dokumentus, BTA informuos Jus apie priimtą sprendimą dėl draudimo išmokos ir/ arba pasiūlys autoservisą, kuriame galėsite atlikti transporto priemonės remonto darbus. Tuo atveju, jeigu transporto priemonės remontuoti nepageidausite, draudimo išmoka gali būti išmokėta, pervedant išmokos sumą į Jūsų nurodytą sąskaitą banke.
Sources
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/sausumos-transporto-priemoniu-draudimo-taisykles-2026.pdf#page=11(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/sausumos-transporto-priemoniu-draudimo-taisykles-2026.pdf#page=13(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/sausumos-transporto-priemoniu-draudimo-taisykles-2026.pdf#page=15(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/sausumos-transporto-priemoniu-draudimo-taisykles-2026.pdf#page=9(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/bta/casco/2026-02-01/ipid.pdf#page=1(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/bta/casco/2026-02-01/ipid.pdf#page=2(opens in a new tab)
BTA Casco (own-damage car insurance)