Compensa Casco (own-damage car insurance) (Kasko)

24/7 roadside assistance across the entire territory of the policy, with real-time SMS tracking of the technician's arrival.

Under the Extended package, no deductible applies to broken glass, hail/storm/wind/lightning damage, animal collisions, or paintless dent repair.

The replacement vehicle can be delivered directly to any customer-specified location in Lithuania within 24 hours under the Extended package.

The Extended risk package additionally covers passenger luggage, child car seats, transported pets, external accessories and towed trailers.

Driver age and experience limit

The minimum age and driving experience of the vehicle's authorised drivers are always relevant to the cover; failing to meet the agreed criteria may lead to restrictions on the cover or affect the size of the claim payout, so these criteria must be discussed and fixed in the contract in advance.

Repair network requirements

The contract fixes one of two repair-shop variants: 'Repair chosen by the policyholder' (restoration may be carried out at a repair shop of the customer's choice within Lithuania, subject to certain exceptions) or 'Repair chosen by the insurer' (restoration is carried out at the insurer's chosen shop; if repair is done elsewhere without consent, the insurer determines the loss amount itself).

Anti-theft requirements

The vehicle must have the anti-theft security system level specified in the contract installed and functioning before the cover starts; the vehicle must be locked at the time of theft/attempted theft (all windows, doors and sunroof closed and locked, all installed anti-theft devices activated, ignition keys and remote controls removed), otherwise the claim may be reduced or refused.

Claim notification deadline

The insurer must be contacted immediately, and no later than 3 business days, after any event, via phone (19111) or online at www.compensa.lt; theft or damage must additionally be reported to the competent state authorities immediately, without leaving the scene, in the cases specified in the rules.

Deductible rules

A deductible (fixed amount, percentage, or waiting period) is unconditionally subtracted from each claim unless stated otherwise; specific clauses waive the deductible in narrower circumstances — e.g. single-glass damage repaired at the insurer's chosen glazier (Basic: front glass only; Extended: any exterior glass), paintless dent repair, hail/storm/wind/lightning damage and animal-collision damage (Extended package only) — while theft claims are subject to a percentage deductible no lower than the contractual fixed deductible.

Direct payment

The claim payment is based on documented repair costs. If documents proving the repair costs are not submitted, the insurer may only pay after giving consent, calculating the loss using its own average hourly repair rates and part prices (excluding VAT unless the policyholder cannot reclaim it).