ADB Compensa Vienna Insurance Group

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).

Territorial scope

The contract specifies one of two territorial variants: 'Europe (with exceptions)' — EU member states (except the UK and Ireland) plus Norway, Switzerland, Belarus and the Kaliningrad region, or 'Geographic Europe' — the whole geographic territory of Europe.

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.

Extended risk insurance package

Broader risk coverage option that includes driver and passenger luggage, child seats, pets, external equipment, trailers, and additional equipment insurance

Comprehensive damage compensation

Coverage includes damage from door opening accidents to third-party property and spilled fuel/chemical losses from stationary vehicles

Voluntary civil liability add-on

An optional add-on (available only together with the vehicle, by mutual agreement noted on the policy) that compensates third parties for damage caused by, among other things, the insured vehicle's doors being opened (damaging a passing car or cyclist) and fuel/chemicals leaking from a parked vehicle.

Repair network and repair approval

Vehicle body restoration after insured event can be performed at customer's choice repair service within Lithuania territory, except in specific cases described in policy terms

Loss calculation and vehicle depreciation

Loss is calculated considering vehicle value depreciation over insurance contract period; replacement parts depreciation is generally not considered except in specific cases outlined in policy terms

Deductible (išskaita) application

Under extended risk package, no deductible applies to broken glass, natural disaster damage, animal collisions, and special technology repairs without painting; standard deductible applies to other covered events

Claims notification and reporting timeline

Not established from the insurer's documents

Insured event must be reported to insurance company within specified timeframe via website or phone; detailed documentation and information required for loss assessment