AAS BTA Baltic Insurance Company Lithuanian Branch
BTA
BTA is a motor casco insurance for the Lithuania market with online purchase and limited assistance availability.
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.
Geographic scope
Lithuania, or Lithuania plus geographic Europe if selected in the policy
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.
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.
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.
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.
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.
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.
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.
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.
Roadside assistance
Optional
Roadside assistance ('pagalba kelyje') is described as available either as a selectable add-on or automatically included depending on the package chosen; the exact basis is not detailed in the sources. Separately, as part of standard claim costs, BTA reimburses towing/removal expenses after a covered event up to EUR 500 (Lithuania) / EUR 1,500 (abroad) for vehicles up to 3,500 kg, and EUR 800 (Lithuania) / EUR 4,000 (abroad) for heavier vehicles.
Replacement vehicle
Not established from the reviewed documents
Apdrausta transporto priemonė pakeičiama kita transporto priemone, kol šalinamas techninis gedimas arba atliekamas remontas po draudžiamojo įvykio; paslauga teikiama pagal pasirinktą papildomą riziką „Pagalba kelyje I“ ar „Pagalba kelyje II“ ir transporto priemonės nuomos bendrovės sąlygas.
Driver and passenger accident insurance
Optional
Described as available either as a selectable add-on or automatically included depending on the package ('vairuotojų ir keleivių nelaimingų atsitikimų draudimas'). The T&C confirms it exists as an ancillary cover that terminates together with the CASCO policy when the insured risk ceases.
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.
Territorial scope
Coverage applies in the territory stated in the policy: Lithuania only, or Lithuania plus geographic Europe (a defined list of countries) if 'Europe' is selected as the territory.
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.
Where to buy
Documents
CASCO Insurance Terms and Conditions No. 03.02 (effective 18.12.2025)
Terms & conditions
CASCO Insurance Terms and Conditions No. 03.01 (superseded, effective 01.03.2023)
Terms & conditions
CASCO Insurance Product Information Document (aligned with Terms No. 03.02)
IPID
BTA KASKO product landing page
Other document
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 documentVehicle 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 documentMinimum 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 documentVehicle 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 documentVehicle storage after incident
Insurance covers vehicle storage for up to 14 days after incident, provided transportation service was also provided
SourceClaims 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 documentTerritorial 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 documentRisk 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 documentAccident 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 documentClaims payment method options
Insurer may offer direct vehicle repair service with authorized repair shops or cash indemnity payment to policyholder's bank account
Source