Extracted from source documents

If Casco (own-damage car insurance) (Kasko Draudimas)

Underwritten by If P&C Insurance AS · Lithuania

casco (own-damage car insurance) from If for the Lithuania market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2023-09-01Sources

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Key facts

Unique selling points

Optional 24/7 roadside assistance add-on across geographic Europe, with services worth up to €2,500 covered per event.

With the optional replacement-vehicle add-on (TTP-20231-304): a free replacement car within 24 hours for the whole repair period when the car is unsafe to drive and repaired at an If partner (or, under the client-choice option, an authorised dealer) in Lithuania.

Deductible is waived for a defined set of common claim types, including glass repairs, storm/flood/lightning damage and animal collisions.

The enhanced 'If geriausias kasko' variant applies only one deductible per claim even for multiple reported damages, and removes the deductible entirely for tyre-only damage.

New-for-old (replacement value) cover is available for cars up to 2 years old with under 60,000 km, rather than depreciated market value.

Coverage limits

Covered

Own-damage / comprehensive cover

Covered

Core complex cover for damage, destruction or loss of the insured vehicle. The sum insured equals either the vehicle's market value on the loss date, or, if new-value insurance is chosen, the value stated in the purchase contract; this is the maximum payable per event.

Clause 22Page 6

Section: II. Nuo ko draudžiame ir kokius nuostolius atlyginame

Draudžiamasis įvykis yra apdrausto automobilio sunaikinimas, sugadinimas ar praradimas dėl bet kokių atsitikimų, staiga ir netikėtai įvykusių draudimo apsaugos galiojimo laikotarpiu

Covered

Total loss (destruction) cover

Covered

A vehicle is deemed destroyed when repair is technically impossible or economically unreasonable (repair cost equals or exceeds sum insured minus residual value). The indemnity equals the sum insured less the vehicle's residual (salvage) value, less the deductible.

Clause 89-90Page 12

Section: V. Kaip nustatome automobiliui padarytų nuostolių dydį > Kai automobilis sunaikintas

Nuostolis dėl automobilio sunaikinimo yra lygus automobilio draudimo sumos ir liekanų vertės skirtumui.

Covered

Partial damage / repair cover

Covered

Necessary repair costs to restore the vehicle to its pre-loss condition are reimbursed, up to the sum insured, either via a partner repair shop invoice or, if the client-chosen-workshop option applies, against agreed invoices, less the deductible.

Clause 94Page 13

Section: V. Kaip nustatome automobiliui padarytų nuostolių dydį > Kai automobilis sugadintas

Nuostoliu dėl automobilio sugadinimo laikome šias išlaidas: tiesiogiai dėl draudžiamojo įvykio ir dėl gelbstint nukentėjusiuosius padarytų sugadinimų atsiradusias išlaidas, būtinas automobiliui suremontuoti iki būklės, buvusios prieš pat draudžiamąjį įvykį.

Covered

Theft and robbery cover

Covered

Loss due to theft or robbery of the vehicle is indemnified at the full sum insured, less the deductible; cover is void if insurer-required anti-theft devices were not properly fitted, or if keys/documents were left in the vehicle.

Clause 93Page 12

Section: V. Kaip nustatome automobiliui padarytų nuostolių dydį > Kai automobilis pavogtas

Nuostolis dėl automobilio praradimo (vagystės) yra lygus automobilio draudimo sumai.

Covered

Glass breakage cover

Covered

Breakage or destruction of body glass, mirrors and lights is covered as part of the complex-cover risk list; the deductible is waived for M1-category vehicles on every claim (once per policy term for other categories) if repaired at a designated glass shop or, for new-value cover, an authorised dealer.

Clause 125.7Page 17

Section: VI. Kaip apskaičiuojame ir mokame draudimo išmoką > Kada netaikome išskaitos

mokėdami draudimo išmoką dėl automobilio stiklų (kėbulo stiklų, išorinių veidrodžių, žibintų) sugadinimo ar sunaikinimo, kai žala padaryta tik stiklams

Covered

Natural forces (storm, flood, lightning, hail) cover

Covered

Damage from natural forces is one of the complex-cover risks; the deductible is waived for direct storm, flood or lightning damage (e.g. a fallen tree), though not for damage arising from the driver's own reaction to weather conditions (e.g. skidding).

Clause 125.5Page 17

Section: VI. Kaip apskaičiuojame ir mokame draudimo išmoką > Kada netaikome išskaitos

mokėdami draudimo išmoką dėl žalos, atsiradusios dėl tiesioginio potvynio, audros (pvz.: ant apdrausto automobilio užvirto medis, pastatas ar kiti objektai arba jų dalys), žaibo poveikio.

Covered

Vandalism cover

Covered

Damage caused by vandalism is listed among the standard complex-cover risks and is indemnified on the same basis as other own-damage claims, less the deductible.

Clause 22Page 6

Section: II. Nuo ko draudžiame ir kokius nuostolius atlyginame

Kompleksinis automobilio draudimas, – tai draudimas nuo: • Eismo įvykio • Sunaikinimo • Gaisro • Gamtinių jėgų • Vandalizmo • Vagystės • Stiklų sunaikinimo, sugadinimo • Kitų staigių ir netikėtų įvykių

Optional · papildoma sąlyga Nr. TTP-20231-303

Roadside assistance

€2.5K

Optional add-on (clause TTP-20231-303) providing 24/7 roadside assistance (call-out, minor repairs, towing, fuel delivery, vehicle storage) for motorcycles and vehicles up to 3500 kg and 2.9 m height; total service value is capped at 2,500 EUR per event.

Clause 168-169Page 24

Section: IX. Pagalba kelyje (papildoma sąlyga Nr. TTP-20231-303)

Maksimali bendra techninės pagalbos tarnybos suteiktų paslaugų vertė yra 2 500 Eur vienam įvykiui.

Optional · papildoma sąlyga Nr. TTP-20231-304

Replacement vehicle / mobility service

Optional

Optional add-on (clause TTP-20231-304). If repaired at an If partner or, under the client-choice option, an authorised dealer in Lithuania, a replacement car (up to mid-size, e.g. VW Golf class) is provided free within 24 hours for the whole repair period; otherwise it is provided for up to 30 days (7 days if the indemnity was first paid in cash). Abroad, the service value counts toward the shared 2,500 EUR per-event cap.

Clause 191-193Page 25

Section: X. Pakaitinis automobilis ir kelionės pratęsimas (papildoma sąlyga Nr. TTP-20231-304)

Jums pageidaujant mūsų techninės pagalbos tarnyba savo sąskaita per 24 val. neatlygintinai suteiks pakaitinį automobilį visam automobilio remonto laikotarpiui... pakaitinis automobilis suteikiamas automobilio gedimo šalinimo laikotarpiui, bet ne ilgiau kaip 30 dienų.

Optional · papildoma sąlyga Nr. TTP-20231-302

Driver and passenger accident cover

Optional

Optional add-on (clause TTP-20231-302) covering the driver and passengers for death, disability or injury from an accident linked to a covered vehicle event. The client chooses the total sum insured, shared pro-rata among occupants injured in one event; includes a 10,000 EUR sub-limit for home adaptation due to permanent disability.

Clause 143-144Page 19

Section: VIII. Vairuotojo ir keleivių draudimas nuo nelaimingų atsitikimų

Vairuotoją ir keleivius apdraudžiame Jūsų pasirinkta draudimo suma nuo mirties, neįgalumo ar traumų. Būsto pritaikymo specialiems poreikiams, atsiradusiems dėl nelaimingo atsitikimo, išlaidas atlyginame iki 10 000 Eur draudimo sumos.

Key conditions

Driver age and experience limit

If the vehicle was driven, and the at-fault driver has less driving experience than the minimum stated in the policy, the indemnity is reduced by the amount specified in the policy.

Repair network requirements

By default the vehicle is repaired at an If-designated partner workshop, whose repair estimate determines the indemnity; if the policy specifies the client-choice option, the vehicle may be repaired at any workshop in Lithuania after agreeing the repair estimate with If in advance, capped at the manufacturer representative's price sheet.

Anti-theft requirements

The policyholder must install the insurer-required anti-theft systems at a designated installer before the specified date (or before cover starts if no date is set), and must provide a certificate confirming the devices meet the required security level on request.

Claim notification deadline

Events must be reported within 3 working days via the If website (or by phone +370 5 210 8800 if without internet access); vehicle theft must be reported within 1 working day.

Deductible rules

The deductible is a fixed amount and/or a percentage of the loss (the larger of the two applies) and is applied separately to each claimed event. It is waived in specific cases, including: registration plate damage, paintless dent removal, collision with an animal, engine hydro-shock, direct storm/flood/lightning damage, certain glass repairs, and cases fully recoverable from an identified at-fault third party. Under the enhanced 'If geriausias kasko' cover variant, only one deductible is applied per claim even if several damage events are reported together, and the deductible is waived entirely for tyre-only damage on M1/N1 vehicles.

Direct payment

By default the vehicle is repaired at an If partner repair shop and If settles the invoice directly with the repairer; if the policy allows the client to choose the repair shop, costs are reimbursed against the repairer's invoice up to the manufacturer representative's price sheet; if the policyholder declines repair, If pays a cash indemnity calculated at average partner-network rates, net of VAT where recoverable.

Territorial scope

Coverage territory is chosen at policy conclusion and stated in the policy: either Lithuania only, or 'geographic Europe', which includes EU/EEA states, the UK, Balkan states, Switzerland, the European part of Turkey, and the CIS states Belarus, Moldova and the European part of Russia west of the Urals (up to 50° east longitude).

Documents

Casco Insurance Terms and Conditions No TTP-20231 (opens in a new tab)

Terms & conditions · PDF

General Personal Insurance Terms and Conditions No TGPER-LT-20241 (opens in a new tab)

Terms & conditions · PDF

Casco Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Driver and passenger accident insurance

Optional coverage for driver and passenger injuries in traffic accidents, with benefits based on disability level and type of injury

SourceClause 143Page 1

Section: VIII. Vairuotojo ir keleivių draudimas nuo nelaimingų atsitikimų

Vairuotoją ir keleivius apdraudžiame Jūsų pasirinkta draudimo suma nuo mirties, neįgalumo ar traumų.

Additional equipment insurance

Optional cover (TTP-20231-301) for non-factory equipment (audio/video, rims, roof boxes, gas equipment, decorative films, etc.) up to the sum insured stated in the policy, on the same terms as the car. Without it, non-factory equipment is covered up to EUR 1,500.

SourceClause 2Page 5

Section: Ką ir nuo ko draudžiame > Ką galite apdrausti papildomai

Automobilio papildoma įranga (papildoma draudimo sąlyga Nr. TTP-20231-301).

Personal items insurance

Optional coverage for personal belongings inside the vehicle, including luggage, documents, and personal effects, with specified limits

SourceClause 6Page 5

Section: Ką ir nuo ko draudžiame > Ką galite apdrausti papildomai

Asmeninių daiktų draudimas (papildoma draudimo sąlyga Nr. TTP-20231-305).

New value insurance

Optional coverage option that insures the vehicle at replacement cost (new vehicle value) rather than depreciated value, typically available for newer vehicles

SourceClause 7Page 5

Section: Ką ir nuo ko draudžiame > Ką galite apdrausti papildomai

Draudimas nauja verte (papildoma draudimo sąlyga Nr. TTP-20231-306).

Pet/animal insurance

Optional coverage for pets injured in the insured event, with reimbursement for veterinary treatment costs or compensation for death

Source

Section: Šeimos apsauga

Gyvūnų draudimas, pagal kurį atlyginsime įvykio metu nukentėjusių Jūsų augintinių gydymo išlaidas ar kompensaciją jiems žuvus.

Deductible waived for common damage types

Deductible (excess) is not applied for six categories of common damage including broken glass, natural disasters, hail, animal collisions, and paintless dent repair

Source

Section: 6 atvejai be išskaitos

Nors draudimas padengia didžiąją dalį nuostolių, dažnai yra taikoma išskaita (franšizė) – nuostolio dalis, kurią tenka padengti Jums. Su „If“ kasko, Jums nereikės mokėti išskaitos šiais atvejais:

Partner repair service network

IF maintains a network of authorized repair partners; claims may be handled through designated repair shops where IF arranges repairs, or policyholder can choose alternative repair and claim reimbursement

Source

Section: „If geriausias kasko“ – plačiausia apsauga visose situacijose > Remontas Jūsų pasirinktame autoservise

Senesni nei 4 m. automobiliai įprastai remontuojami mūsų pasiūlytame autoservise. Tačiau apsidraudę variantu „If geriausias kasko“, galėsite ir toliau rinktis servisą savo nuožiūra.

Territorial coverage scope

Casco insurance covers vehicle damage in European countries (excluding Russia and Belarus) unless contract specifies differently; full policy wording defines exact coverage territories

SourceClause 14.2Page 5

Section: I. Ką, kokia suma ir kur draudžiame > Kur galioja Jūsų automobilio draudimas

geografinė Europa: Airija, Albanija, Andora, Austrija, Belgija, Bosnija ir Hercegovina, Bulgarija, Čekijos Respublika, Danija, Estija, Gibraltaras, Graikija, Islandija, Ispanija, Italija, Jungtinė Karalystė...

Claims reporting channels

Policyholders must report claims via: (1) IF website www.if.lt (preferred digital method), (2) Phone 1620 (from Lithuania) or +370 5 210 89 25 (from abroad), or (3) IF Mobile Baltics app

SourceClause 70Page 11

Section: IV. Ką privaloma daryti įvykus įvykiui

Apie įvykį per 3 darbo dienas praneškite mums užpildydami pranešimo formą, esančią mūsų interneto svetainėje www.if.lt. Jei internetu nesinaudojate arba neturite interneto prieigos, paskambinkite mums telefono numeriu +370 5 210 8800.

Loss payment method - direct repair vs. reimbursement

After claim assessment, IF may either: (1) offer direct repair at authorized partner service, or (2) pay cash indemnity by bank transfer if policyholder declines repair

SourceClause 108Page 16

Section: VI. Kaip apskaičiuojame ir mokame draudimo išmoką > Draudimo išmoka pinigais, kai automobilio remontas yra tikslingas

Jei Jūs nesutinkate automobilio remontuoti ir draudimo išmoką pageidaujate gauti pinigais, būtinas remonto išlaidas apskaičiuojame draudžiamojo įvykio dienos kainomis

Deductible waived for specific damage types

The T&C list eight specific situations where the standard deductible is not applied, including: registration plate damage, paintless dent repair, collision with an animal on the road, engine hydro-shock, direct storm/flood/lightning damage, certain glass repairs at a designated shop, and cases where a liable third party is identified and If can recover the indemnity by way of recourse.

SourceClause 125Page 16

Section: VI. Kaip apskaičiuojame ir mokame draudimo išmoką > Kada netaikome išskaitos

Draudimo liudijime nurodytos išskaitos netaikome šiais atvejais: 125.1... 125.8. jei draudžiamasis įvykis įvyko dėl trečiųjų asmenų kaltės, yra nustatyti kaltininkai...

Limited cover for interior wear/negligence damage

Interior damage caused by leaving windows, sunroof, doors, boot or fuel-cap open is excluded; minor surface wear to interior trim caused by negligence, smoking, friction or dirt that does not affect the vehicle's function is also not covered.

SourceClause 43,54Page 9

Section: III. Nuo ko nedraudžiame ir kokių nuostolių neatlyginame

žala automobilio salonui, vidaus įrangai padaryta palikus atidarytus langus, stoglangį, nudengtą stogą ar neužrakintas duris... žala kilo dėl smulkių įvairių salono paviršių pažeidimų (pvz.: dėl nepriežiūros, rūkymo, trinties, nešvarumų ir pan.), kurie nedaro įtakos automobilio veikimui ir naudojimui.

Sources

If Casco (own-damage car insurance)

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