Compensa
Compensa is a motor casco insurance for the LT market with online purchase and 24/7 assistance.
Direct payment
Insurer pays repair costs directly to the repair workshop; claims can be submitted online at compensa.lt or by phone 19111. Payment is made within 10 business days of receiving all required information and documentation.
Geographic scope
LT
Two options available: (1) 'Europa (su išimtimis)' – EU member states (excl. UK and Ireland), Norway, Switzerland, Belarus, Kaliningrad Oblast; (2) 'Geografinė Europa' – geographic Europe. As specified in the insurance contract.
Unique selling points
- Budget-friendly alternative CASCO package for older vehicles (typically 5–25 years old) at a significantly lower premium than standard full CASCO.
- Optional 24-hour roadside assistance available across the covered territory when separately agreed, covering towing, on-site minor repairs, vehicle transportation, and related services up to 3,500 EUR per insured event.
- Theft coverage included as a core covered event with no additional premium, based on vehicle market value on the day of the insured event.
- Online purchase and claims registration available 24/7 at compensa.lt or by calling 19111; insurance payment made within 10 business days of receiving full documentation.
- Non-restoring fixed insured sum per policy period provides predictable maximum liability; designed for cost-conscious owners seeking essential accident and theft protection only.
Coverage limits
Own damage
Covered
Total loss
Covered
Partial loss
Covered
Theft & robbery
Covered
Glass damage (without deductible)
Conditional
The ALTERNATYVUS package does not include glass damage without deductible (Nr. 8 in the standard packages table). Glass damage without deductible (Nr. 8.1 – windscreen/headlight, Nr. 8.2 – all glass) is available only in the Pagrindinis (basic) and Išplėstinis (extended) packages respectively. Under the ALTERNATYVUS package, any applicable deductible is always applied without exception (clause 3.6).
Natural perils (without deductible)
Conditional
Under the ALTERNATYVUS package, natural perils (Nr. 22/23 – hail, storm, lightning, animal collision without deductible) are NOT included. These zero-deductible coverages are available only in the Išplėstinis (extended) package. Under ALTERNATYVUS, the deductible always applies without any exceptions whatsoever (clause 3.6). Standard all-risks vehicle coverage (Nr. 3) is included in all packages including ALTERNATYVUS as traffic accident and theft are defined covered perils.
Vandalism / third-party unlawful acts
Conditional
Under the ALTERNATYVUS package, damage caused by third-party unlawful acts is covered only if it constitutes a traffic accident meeting all conditions of clause 2.1 (collision with another vehicle, person, or animal; insured controller liable under MTPL; police report or accident declaration completed). Pure vandalism (e.g. scratch without traffic accident) is not covered under ALTERNATYVUS as only the events in clauses 2.1 and 2.2 are insured events.
Roadside assistance
Optional
Under the ALTERNATYVUS package, roadside assistance is NOT automatically included (clause 3.2). It may only be provided if separately agreed upon and explicitly stated in the insurance certificate. If included, roadside assistance is provided 24 hours a day, 7 days per week, in the same territory where the insurance contract is valid, including consultation by phone, minor repairs on site, vehicle transportation, and related services. Total services per one insured event cannot exceed 3,500 EUR.
Replacement vehicle
Optional
Driver accident
Optional
Key conditions
driver_age_experience_limit
For natural persons, minimum driver age and minimum driving experience are always relevant for insurance coverage. If the person operating the vehicle does not meet the criteria specified in the insurance contract, restrictions on insurance coverage may apply or it may affect the amount of the insurance payout. These criteria must be agreed upon, assessed, and specified in the contract in advance.
repair_network_requirements
The policyholder may choose between repair at the insurer-selected partner workshop ('Remontas Draudiko pasirinkimu') or the policyholder's own choice of workshop ('Remontas Draudėjo pasirinkimu') in Lithuania. If repair is performed outside the insurer's selected workshop, the loss amount is determined by the insurer based on its established hourly rates and parts prices. Under the ALTERNATYVUS package, payment for damage (other than total loss or theft) is made only based on documents confirming actual repair costs; without such documents, payment may only be made with insurer's consent.
territorial_scope
Coverage is always valid only in the geographic territory specified in the contract. Two options: (1) 'Europa (su išimtimis)' – EU member states (excl. UK and Ireland), Norway, Switzerland, Belarus, and Kaliningrad Oblast; (2) 'Geografinė Europa' – geographic Europe. If an insured event occurs outside Lithuania, vehicle may be repaired only to the extent necessary to ensure safe return to Lithuania, up to a maximum of 3,000 EUR, without prior written agreement with the insurer.
anti_theft_requirements
Before the start of the insurance coverage period, the policyholder must install anti-theft protection systems meeting the insurer's requirements and ensure their proper functioning. Coverage for theft is excluded if: (1) the vehicle was not locked at the time of theft or attempted theft; (2) the required anti-theft protection system was not installed or was not activated/functioning; (3) ignition keys, smart cards, or anti-theft device remote controls were left in the vehicle at the time of theft. The required protection system level is specified in the contract, with details published at www.compensa.lt.
claim_notification_deadline
For any insured event, the policyholder must contact the insurer immediately, but no later than within 3 business days, by calling 19111 or via compensa.lt website. In case of theft of the vehicle or its parts, or damage/destruction: relevant state authorities must be notified immediately (without leaving the scene). The deductible from the claim notification deadline: if the policyholder deliberately or through gross negligence fails to notify within the terms and this failure influenced loss increase or prevented the insurer from establishing event circumstances, the insurer may reduce or deny the payout.
deductible_rules
Under the ALTERNATYVUS package, the deductible specified in the contract is applied in ALL cases for ALL insured events without any exceptions or special situations (clause 3.6). For vehicle theft: a percentage deductible applies (as specified in the contract), but never less than the fixed deductible amount. For other events (damage/destruction): the fixed deductible specified in the contract applies. No deductible waivers are available under the ALTERNATYVUS package. In standard packages: the deductible is waived if the lawful controller is not at fault and the liable party is identified (subrogation possible).
Where to buy
Documents
Transporto priemonių savanoriškojo (KASKO) draudimo taisyklės – galioja nuo 2026-01-01
terms_and_conditions
IDD KASKO – Insurance Product Information Document (Alternatyvus paketas)
ipid
Transporto priemonių savanoriškojo (KASKO) draudimo taisyklės (archyvinė versija, galiojo nuo 2020-11-07)
terms_and_conditions
Policy specifics
Glass damage deduction waiver
In extended risk package, no deduction applies to broken glass (headlight, mirror or sunroof)
Natural disaster coverage
Extended risk package covers damage caused by natural disasters and forces of nature with no deduction
Animal collision coverage
Covers damage from collisions with animals on the road with no deduction in extended risk package
Replacement vehicle service
Insurer provides a replacement car if vehicle is unusable after an incident; can be delivered to any location in Lithuania
24-hour roadside assistance
24-hour roadside assistance is available as an optional add-on under the ALTERNATYVUS package only when separately agreed and explicitly stated in the insurance certificate. If included, services cover towing, fuel delivery, tire repair, breakdown assistance and other services.
Extended package additional items coverage
Extended package covers driver and passenger luggage, child seats, pets, external equipment, tow trailer, additional equipment, license plates, lost document replacement costs
Repair workshop choice
Policyholder can choose between repair at insurer-selected partners or own choice of workshop, subject to contract terms
Deductible conditions
Under the ALTERNATYVUS package, the deductible specified in the contract is applied in ALL cases for ALL insured events without any exceptions (clause 3.6). No deductible waivers are available under this package. Deductible waivers for events such as natural disasters or glass damage apply only in the standard Pagrindinis or Išplėstinis packages.
Vehicle age eligibility
Alternative CASCO package available for vehicles 5-25 years old; standard CASCO for newer vehicles
Loss assessment and payment timeframe
Insurance claim payment issued within 10 business days after insurer receives complete required information and documentation.