If P&C Insurance AS (Lithuanian branch)
If
If is a motor casco insurance for the Lithuania market with online purchase and 24/7 assistance.
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.
Geographic scope
Nationwide (Lithuania)
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).
Unique selling points
- 24/7 roadside assistance across geographic Europe, with services worth up to €2,500 covered per event.
- Free replacement vehicle provided within 24 hours for the entire repair period when the car is unsafe to drive and repaired at a partner or authorised workshop.
- 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
Own-damage / comprehensive cover
Covered
Only in automobilio draudimas rinkos verte, automobilio draudimas nauja verte
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.
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.
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.
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.
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.
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).
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.
Roadside assistance
€2,500
Only in papildoma sąlyga Nr. TTP-20231-303
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.
Replacement vehicle / mobility service
Optional
Only in papildoma sąlyga Nr. TTP-20231-304
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.
Driver and passenger accident cover
Optional
Only in papildoma sąlyga Nr. TTP-20231-302
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.
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.
Territorial scope
Cover applies within the territory chosen in the policy: Lithuania only, or geographic Europe, which includes EU/EEA countries, the UK, the Balkans, Switzerland, the European part of Turkey, and the CIS states Belarus, Moldova and the European part of Russia west of the Urals.
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.
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
SourceAdditional equipment insurance
Optional coverage for non-factory installed equipment, up to EUR 30,000 limit, covering items such as alarms, radios, and other accessories
SourcePersonal items insurance
Optional coverage for personal belongings inside the vehicle, including luggage, documents, and personal effects, with specified limits
SourceNew value insurance
Optional coverage option that insures the vehicle at replacement cost (new vehicle value) rather than depreciated value, typically available for newer vehicles
SourcePet/animal insurance
Optional coverage for pets injured in the insured event, with reimbursement for veterinary treatment costs or compensation for death
SourceDeductible 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
SourcePartner 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
SourceTerritorial 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
SourceClaims 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
SourceLoss 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
SourceInterior damage exclusion
Casco does not cover damage to vehicle interior (e.g., spilled liquids on seats, broken dashboard components) unless caused by external insured event
SourceDeductible 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.
SourceLimited 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.
Source