Gjensidige Casco (own-damage car insurance) (Kasko Mini Midi Maxi)
Underwritten by ADB Gjensidige · Lithuania
casco (own-damage car insurance) from Gjensidige for the Lithuania market, with 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2021-05-11Sources
Unique selling points
Maxi (and Midi for an extra premium): repairs at a garage of your choice with no depreciation deducted on parts.
Theft of car audio equipment is reimbursed even if it wasn't separately insured.
If one tyre is damaged in an incident, two matching tyres on the same axle are replaced, not just one.
Glass-only damage repaired at the insurer's nominated garages (Maxi: also official dealers) is paid without deductible, with no limit on the number of claims (vehicles up to 3,500 kg).
24/7 roadside assistance is included as standard across all Mini, Midi and Maxi plans.
Coverage limits
Own Damage (All-Risks)
Covered
The vehicle is insured against damage or destruction caused by any sudden and unforeseen event, or theft, occurring during the policy period, except for the listed exclusions. The insured sum is generally equal to the vehicle's market value on the day of the event unless a specific sum is stated in the policy.
Section: I dalis > 4. Nuo ko draudžiame (draudžiamieji įvykiai) > 4.1 Visų rizikų
draudžiamuoju įvykiu bus laikomas apdraustos transporto priemonės sugadinimas ar sunaikinimas dėl bet kokių draudimo sutarties galiojimo laikotarpiu atsitikusių staigių ir nenumatytų įvykių arba vagystės, išskyrus atvejus, nurodytus I dalies, 5 skyriuje.
Total Loss / Destruction
Covered
The vehicle is deemed destroyed if repair costs exceed 75% of its market value or of the insured sum on the day of the event. The payout equals the vehicle's market value on that day, minus the value of any remains, unless the remains are surrendered to the insurer.
Section: I dalis > 11. Nuostolio nustatymo tvarka > 11.2 Transporto priemonė ar jos įranga sunaikinta
Transporto priemonė (jos įranga) laikoma sunaikinta, jeigu jos remonto išlaidos po draudžiamojo įvykio sudaro daugiau nei 75% jos rinkos kainos draudžiamojo įvykio dieną arba daugiau nei 75% sutartyje nurodytos draudimo sumos.
Partial Damage
Covered
The vehicle is deemed damaged (not destroyed) if repair costs are below 75% of market value or insured sum. Repair costs necessary to restore the vehicle to its pre-loss condition are reimbursed, subject to the depreciation option chosen and the overall insured sum.
Section: I dalis > 11. Nuostolio nustatymo tvarka > 11.1 Transporto priemonė ar jos įranga sugadinta
Transporto priemonė (jos įranga) laikoma sugadinta, jeigu jos remonto išlaidos po draudžiamojo įvykio sudaro mažiau nei 75% jos rinkos vertės draudžiamojo įvykio dieną arba 75% sutartyje nurodytos draudimo sumos.
Theft and Robbery
Covered
Theft or robbery of the vehicle or its parts, including damage caused during the theft/robbery, is covered as part of the all-risks protection. Without an official document confirming the event, the indemnity is capped at EUR 1,500 pending further verification.
Section: I dalis > 12. Išmokos mokėjimo tvarka
Vagystės ir plėšimo, trečiųjų asmenų veikos, gaisro ar sprogimo atveju, nepateikus kompetentingos institucijos išduoto įvykį patvirtinančio dokumento, mokama draudimo išmoka ne didesnė nei 1 500 EUR.
Glass Damage
Covered
If only the vehicle's glass is damaged or destroyed and it is repaired/replaced at the insurer's nominated garages (for Maxi, also at an official dealer's garage), the deductible is not applied. There is no limit on the number of such claims per policy period; this does not apply to theft.
Section: I dalis > 7. Standartinės draudimo sąlygos
tuomet draudimo išmoka nėra mažinama besąlyginės išskaitos dydžiu. Per draudimo sutarties galiojimo laikotarpį išmokų skaičius nėra ribojamas. Sąlyga netaikoma vagystės atveju.
Natural Perils (Storm, Hail, Flood, Downpour, Lightning)
Covered
Damage caused by storm (wind gusts over 18 m/s), hail (hailstones ≥10 mm), flood (sudden, unexpected rise of water level — excluded in areas that flood at least once every 7 years), downpour (≥15 mm rain in 12 hours), and direct lightning strike causing fire, is covered as part of the all-risks protection.
Section: I dalis > 4. Nuo ko draudžiame (draudžiamieji įvykiai) > 4.5 Gamtos jėgos
Audra - atlyginame žalas, sukeltas audros. Audra laikoma stiprus vėjas, kai maksimalių vėjo gūsių greitis viršija 18 metrų per sekundę.
Third-Party Malicious Acts (Vandalism)
Covered
Damage or destruction of the vehicle, its parts, or additional equipment caused by malicious acts of third parties, including arson or attempted arson (unless it constitutes theft/attempted theft), is covered.
Section: I dalis > 4. Nuo ko draudžiame (draudžiamieji įvykiai) > 4.6 Trečiųjų asmenų veika
Trečiųjų asmenų veika laikomas transporto priemonės, jos detalių ar papildomos įrangos sugadinimas ar sunaikinimas, transporto priemonės padegimas ar susprogdinimas dėl trečiųjų asmenų veikos, jei tai nėra vagystė ar bandymas pavogti.
24/7 Roadside Assistance
€2.3K – €3K
Standard across Mini, Midi and Maxi (per the T&C's table 7.11), covering breakdowns, accidents, towing, minor roadside repairs, tyre change, jump-starts, fuel delivery, lock-outs and related services, provided assistance cover is noted in the policy. The overall per-event indemnity limit is EUR 2,300 under the '4x4' package (Lithuania only) or EUR 3,000 under the '4x4 Turbo' package (Europe-wide).
Section: II.III dalis. Pagalbos draudimo sąlygos Nr.049/3 > 6. Papildomos pagalbos draudimo sąlygos
Draudimo išmoka pagal visas paslaugas per vieną įvykį negali viršyti 2 300 EUR, paketo „4x4“ atveju ir 3 000 EUR paketo „4x4 Turbo“ atveju;
Replacement Vehicle
Conditional
Under the roadside assistance cover, a replacement vehicle (up to C-class, M1 category only) is provided for up to 14 days while the car is repaired or after theft; abroad only after a towing service or theft, capped at EUR 50/day. The driver pays the rental car's insurance, fuel and extension costs.
Section: II.III dalis. Pagalbos draudimo sąlygos Nr.049/3
Pakaitinio automobilio nuomos išlaidos atlyginamos, tik jei buvo suteikta transportavimo paslauga arba po vagystės.
Driver and Passenger Accident Insurance
Conditional
Insurance of the driver and/or passengers against bodily injury, disability or death sustained in an accident involving the insured vehicle. Included as standard in Midi and Maxi; available only as a paid add-on in Mini. The insured sum is set by agreement between the policyholder and insurer.
Section: I dalis > 7. Standartinės draudimo sąlygos
Vairuotojo ir/ar keleivių draudimas nuo nelaimingų atsitikimų Draudimo apsauga, pagal šių taisyklių pagalbos draudimo sąlygas Nr. 049/4, galioja toje teritorijoje, kur galioja transporto priemonės draudimas
Key conditions
Driver age and experience limit
If an accident is caused by a driver younger than, or with less driving experience than, specified in the policy, the first such event during the initial policy period is subject to an additional EUR 250 deductible (EUR 500 if both age and experience limits are violated); any second or subsequent such event is treated as uninsured and no indemnity is paid.
Repair network requirements
Maxi allows free choice of repair shop as a standard feature; Midi offers the same only for an extra premium (otherwise repairs occur at the insurer's partner network); Mini requires repairs exclusively at garages nominated by the insurer.
Anti-theft requirements
The vehicle's anti-theft security system must meet the security level required and stated in the policy (four defined levels based on combinations of coded alarm, immobilizer, GPS/GSM tracking-and-search systems, and vehicle marking); failing to meet the required level, or having a disabled/incomplete system, voids theft coverage.
Claim notification deadline
The policyholder must notify the insurer of an insured event immediately, but no later than 3 business days after it occurs, and register the claim via the website, self-service portal, or by phone.
Deductible rules
A fixed (non-conditional) deductible generally applies per claim. It is waived when a liable third party is identified (with recourse rights retained by the insurer), for windscreen-only claims repaired at nominated garages, and for a set of listed extra benefits (e.g., additional equipment, tyre replacement, lock/key replacement, stolen keys, child seat, interior cleaning, hydraulic-shock damage).
Direct payment
Premiums can be paid by bank transfer, via the online self-service portal, by e-banking direct debit, at payment terminals (Maxima, Lietuvos paštas, Perlas, Lietuvos spauda, Narvesen, Vaskota), or by card/cash at selected ADB Gjensidige branches.
Territorial scope
Coverage applies in Lithuania or in Europe (excluding Belarus, Russia and Ukraine), as chosen in the policy.
Documents
Motor Vehicle Insurance Terms and Conditions No. 049 (opens in a new tab)
Terms & conditions · PDF
KASKO Insurance Product Information Document (2025) (opens in a new tab)
Product information sheet · PDF
KASKO IPID (effective 2021-03-01) (opens in a new tab)
Product information sheet · PDF
Motor Insurance Brochure (Mini/Midi/Maxi comparison table) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Vehicle Repair Coverage
Insurer pays for repair costs or replaces damaged vehicle parts based on original non-OEM parts. For vehicles less than 3 years old, depreciation is not applied.
SourceClause 7.5.2Page 3Section: I dalis > 7. Standartinės draudimo sąlygos > 7.5 Detalių nusidėvėjimas
Jei dėl draudžiamojo įvykio transporto priemonę reikia remontuoti, už keičiamas detales (įtraukiant agregatus, mazgus) apmokėsime visą sumą, jei remontui bus naudojamos naujos neoriginalios arba naudotos detalės.
Vehicle Age Limit
CASCO insurance applies only to vehicles not older than 15 years.
SourcePage 3Section: Jūsų automobilio draudimas > Kasko draudimas
Kasko draudimu draudžiame ne senesnes nei 15 metų transporto priemones.
Three Insurance Plan Variants
CASCO product offers three distinct coverage tiers: Mini (basic coverage), Midi (standard coverage), and Maxi (comprehensive coverage) with increasing levels of protection and deductibles.
SourcePage 4Section: Kasko draudimas
Rizikos Mini Midi Maxi*
Additional Equipment Coverage
CASCO product offers three coverage tiers: Mini (basic), Midi (standard) and Maxi (comprehensive, only for cars up to 6 years old), with increasing levels of protection.
SourcePage 3Section: Jūsų automobilio draudimas > Kasko draudimas
*Tik automobiliams iki 6 metų senumo
Geographical Scope
CASCO coverage applies in Lithuania or in Europe (excluding Belarus, Russia and Ukraine), as chosen in the insurance contract.
SourcePage 2Section: Kur man taikoma draudimo apsauga?
Sudarant draudimo sutartį galite pasirinkti, kurioje teritorijoje turi galioti draudimo apsauga. Draudimo apsauga gali būti suteikiama Lietuvoje arba Europoje (išskyrus Baltarusiją, Rusiją ir Ukrainą)
Risk Increase Notification Requirement
Policyholder must immediately notify insurer in writing if the risk level changes during contract validity (e.g., use of vehicle for hire, loss of registration documents, change in anti-theft equipment).
SourceClause 10.1Page 4Section: I dalis > 10. Draudimo rizikos padidėjimas ar sumažėjimas
Jūs įsipareigojate per 3 (tris) darbo dienas iki rizikos padidėjimo (arba nedelsiant, kai tik tapo žinoma) mus raštu informuoti apie galimą arba esamą rizikos padidėjimą.
Claim Reporting Timeframe
Policyholder must report any insured event to the insurer immediately, but no later than 3 business days after it occurs.
SourceClause 9.1.2Page 3Section: I dalis > 9. Teisės ir pareigos > 9.1 Jūsų pareigos
Nedelsiant, bet ne vėliau kaip per 3 (tris) darbo dienas, apie įvykį praneškite mums (Lietuvoje - telefonu 1626, iš užsienio - tel.: +370 5 272 1626) ir pateikite mums visą žinomą informaciją apie įvykio aplinkybes.
Anti-theft System Verification
In case of vehicle theft, insurer reserves the right to contact the security system installer and request confirmation that the anti-theft system was installed and functioning properly on the date of loss.
SourceClause 9.4.2Page 4Section: I dalis > 9. Teisės ir pareigos > 9.4 Mūsų teisės
Transporto priemonės vagystės atveju turime teisę kreiptis į apsaugos sistemas montavusią įmonę ir prašyti patvirtinimo, kad apsaugos nuo vagystės sistemos apdraustoje transporto priemonėje sumontuotos ir draudžiamojo įvykio dieną veikė korektiškai.
Storm Definition
Storm is defined as strong wind with maximum gusts exceeding 18 meters per second. Coverage only applies if weather service data or evidence of comparable damage to similar vehicles confirms storm conditions.
SourceClause 4.5.1Page 1Section: I dalis > 4. Nuo ko draudžiame (draudžiamieji įvykiai) > 4.5 Gamtos jėgos
Audra laikoma stiprus vėjas, kai maksimalių vėjo gūsių greitis viršija 18 metrų per sekundę. Jeigu draudimo vietoje vėjo, vėjo gūsių greičio nebuvo galima nustatyti, remiamasi tame regione atliktais meteorologinės tarnybos matavimais ir/arba faktais.
Flood Exclusion in High-Risk Areas
Flood coverage does not apply in areas where official data shows flooding occurs at least once every 7 years, as such events are not considered sudden and unexpected.
SourceClause 4.5.3Page 1Section: I dalis > 4. Nuo ko draudžiame (draudžiamieji įvykiai) > 4.5 Gamtos jėgos
Draudimo apsauga negalioja tose vietovėse, kur, Lietuvos hidrometeorologijos tarnybos prie Aplinkos ministerijos duomenimis, potvynis būna ne rečiau nei vieną kartą per 7 metus. Toks įvykis negali būti laikomas staigiu ir netikėtu.
Sources
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/Valid-rules/Gjensidige-Automobiliu-draudimo-lankstinukas.pdf#page=3(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/Valid-rules/Gjensidige-Automobiliu-draudimo-lankstinukas.pdf#page=4(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=1(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=2(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=3(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=4(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=7(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/049-Transporto-priemoniu-draudimo-KASKO-taisykles-nuo-2021-05-11.pdf#page=9(opens in a new tab)
- gjensidige.lthttps://www.gjensidige.lt/-/media/LT/dokumentai/Taisykles-ir-IPID-2021-05-11/T049_IPID_KASKO_20210301.pdf#page=2(opens in a new tab)
Gjensidige Casco (own-damage car insurance)