Lietuvos draudimas Casco (own-damage car insurance) (Casco Standard)

Covers repair costs or an indemnity for damage to the insured vehicle caused by a traffic accident, fire, natural forces or malicious acts of third parties. The indemnity is capped at the sum insured, which by default equals the vehicle's market value on the day of the loss, unless an agreed sum insured or the 'new value' option was chosen at inception. Under 'Transporto priemonės draudimas nauja verte' the loss is calculated on the vehicle's value at contract inception; under 'Detalių nusidėvėjimas netaikomas' repair costs are paid without deducting wear on replaced parts (if invoices are supplied); under 'Detalių nusidėvėjimas taikomas' a wear-and-tear deduction per the depreciation table applies unless equivalent used parts are fitted.

A vehicle is deemed destroyed when repair is technically impossible or economically unreasonable (repair cost equal to or exceeding the sum insured less salvage value). The indemnity equals the sum insured (market value at loss date, or under 'nauja verte' the value at contract inception) minus the salvage value.

Repairable damage is indemnified based on the repair costs necessary to restore the vehicle to its pre-loss condition (labour, paint, replacement parts less any applicable wear deduction), calculated per the garage-choice and valuation options selected in the policy.

Covers theft of the whole vehicle or of individual parts, and damage caused during an attempted theft. The indemnity for a full theft equals the sum insured (market value at loss date, less deductible). Cover does not apply if the vehicle was left with open windows/sunroof/doors/boot, if it was stolen together with its keys left inside (except robbery), or if the required anti-theft devices were not properly installed or active.

Covers breakage or cracking of the vehicle's body, mirror or headlight glass. If the glass is repaired or replaced at an LD-designated garage in Lithuania (or, under the 'nauja verte' option, at a warranty garage in Lithuania), the separate glass deductible stated in the policy applies; otherwise the policy's standard deductible applies.

Covers damage from storm, heavy short-term rainfall, hail, snow load, flood, ground subsidence, landslide, and falling icicles/snow/ice.

Covers direct damage to or destruction of the insured vehicle caused by malicious acts of other persons, where this is not a theft or attempted theft.

Available if named on the policy and only for vehicles up to 3,500 kg registered as M1/N1. Includes phone consultation, jump-start, tyre change, fuel delivery, lock-out assistance, freeing from snow/mud, towing, replacement vehicle, taxi, hotel and trip-continuation support. Response times in Lithuania: 60 minutes in cities, 90 minutes on motorways/main roads, 180 minutes on other roads; transport within Lithuania is unlimited in distance and cost. Abroad, a combined limit of EUR 2,500 per incident applies, for a maximum of 2 incidents per contract period. Sub-limits (taxi, hotel, trip continuation, storage) differ between Package I (CASCO only) and the wider Package II (CASCO + MTPL with the same insurer).

Provided when the vehicle cannot be repaired within one working day (or is stolen/totalled), and only if named on the policy for eligible vehicles (up to 3,500 kg, M1/N1). In Lithuania it is delivered within 12 hours to the client's chosen location and, when repaired at an LD-recommended garage, is provided for the full repair period; otherwise (or if totalled/stolen) it is capped at 14 days. Abroad it is capped at 14 days and collected by the client from a designated rental point. A refundable deposit (around EUR 300) is required. An M1-category, not-above-mid-range vehicle is provided, not necessarily with equivalent features.