Lietuvos draudimas
Lietuvos draudimas is a motor casco insurance for the LT market with online purchase and 24/7 assistance.
Direct payment
Claims must be reported within 3 working days via self-service portal www.savasld.lt, mobile app, or by phone 1828 (abroad: +370 5 266 6612). Repairs exceeding EUR 1,500 abroad require prior insurer approval. If the insured opts for cash payment instead of in-kind repair, compensation is calculated without VAT.
Geographic scope
Europe
Europe excluding Russia and Belarus: Ireland, Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, Estonia, Gibraltar, Greece, Iceland, Spain (excl. Canary and Balearic Islands), Italy (excl. Sicily and Sardinia), United Kingdom, Montenegro, Kosovo, Croatia, Latvia, Poland, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Moldova, Monaco, Netherlands, Norway, Portugal (excl. Azores and Madeira), France (excl. Corsica), Romania, San Marino, Serbia, Slovakia, Slovenia, Finland, Sweden, Switzerland, Turkey (European part only), Ukraine, Vatican, Hungary, Germany
Unique selling points
- Replacement vehicle provided for the full repair duration at an LD-recommended workshop, delivered within 12 hours to any location in Lithuania at no extra cost.
- 24/7 roadside assistance is included in every CASCO policy at no extra charge with guaranteed response times of 60 min in cities and 90 min on motorways and unlimited towing distance in Lithuania.
- No deductible applied for natural perils such as storm and hail, for direct collision with an animal, and no deductible for glass repair at an insurer-designated workshop.
- One in three people in Lithuania chooses Lietuvos draudimas making it the largest non-life insurer in the country with over 100 years of experience and a network of nearly 100 branches nationwide.
- Commitment to settle straightforward claims immediately after the first call with a named settlement date given to every customer on every claim.
Coverage limits
Own vehicle damage
Covered
Covers damage to the insured vehicle caused by a traffic accident, fire, natural perils, third-party malicious acts, or any other sudden and unexpected event. Compensation is based on the market value of the vehicle at the time of the insured event unless the new-value or no-depreciation variant is chosen. The insured sum equals the market value at the time of the insured event unless a specific sum is agreed.
Total loss
Covered
The vehicle is considered totally destroyed if repair is technically impossible or economically unviable (repair costs equal or exceed the difference between the insured sum and the salvage value on the day of the event). Compensation equals the insured sum minus salvage value. Under the new-value variant, compensation equals the market value on the date the policy was taken out.
Partial loss and repair costs
Covered
Covers repair costs for partial damage to the insured vehicle. If the no-depreciation variant is chosen, repair costs are paid without deducting part wear provided repair invoices and payment documents are submitted. If the depreciation-applied variant is chosen, wear is deducted per the depreciation table in the rules. Repair scope and cost must be agreed with the insurer before work begins; repairs over EUR 1,500 require prior insurer approval.
Theft or robbery of vehicle or parts
Covered
Covers theft of the entire vehicle or individual parts, including damage caused by attempted theft. Compensation for full vehicle theft equals the insured sum (market value on the loss date) minus the applicable deductible. Key replacement, lock replacement and security system re-programming costs are additionally covered when keys or the vehicle are stolen. Not covered if the vehicle is left with keys inside (except forcible robbery), windows or doors left open, or required anti-theft devices were inactive.
Glass breakage
Covered
Covers damage or destruction of the vehicle body glass, external mirror glass, or headlight glass as a standalone event. A reduced glass deductible applies only when glass is repaired or replaced at an insurer-designated service in Lithuania or at an authorised dealer (for new-value policies). In all other cases the standard policy deductible applies. When glass is repaired (not replaced) at a designated insurer service, no deductible is applied. The decision whether glass can be repaired is made by the insurer.
Natural perils
Covered
Covers damage caused by storm (wind strong enough to destroy buildings or break tree branches), heavy rain (15 mm or more within 12 hours), hail, snow pressure, flood (sudden and unexpected rise of standing or flowing surface water), ground subsidence due to karst phenomena, landslide, and falling icicles, snow or ice. No deductible is applied for natural peril damage per policy clause 10.4.
Vandalism and malicious acts of third parties
Covered
Covers any direct damage or destruction of the insured vehicle caused by malicious acts of third parties, provided it is not a theft or attempted theft. Includes arson or explosion caused by deliberate third-party acts and damage caused during fire suppression. Standard policy deductible applies.
Roadside technical assistance 24/7
Covered
24/7 roadside assistance included for all CASCO clients (Package I) for vehicles up to 3,500 kg registered as M1 or N1 category. Services include: phone consultation, battery jump-start, tyre change, fuel delivery (10 litres of petrol or diesel), emergency door unlocking, extraction from snow or mud, and vehicle towing. Response times in Lithuania: city 60 min, motorways and highways 90 min, other roads 180 min. Towing in Lithuania is unlimited in distance and cost. Abroad: overall cap EUR 2,500 per event for all services, towing sub-limit EUR 1,500 per event, maximum 2 events per year.
Replacement vehicle
Covered
A replacement vehicle (M1 category, up to mid-class) is provided for the full duration of repairs when the vehicle is serviced at an LD-recommended workshop and cannot be repaired within one working day. Delivered within 12 hours to the client's chosen location in Lithuania. Limited to 14 days when repairs are at a non-recommended workshop, vehicle is stolen, irreparably damaged, or the incident occurred abroad. Abroad: client picks up the replacement vehicle from a designated rental point; capped at 14 days and counted against the EUR 2,500 per-event abroad limit.
Driver and passenger accident insurance
Optional
Optional add-on covering the driver and passengers for bodily injury or death due to a traffic accident involving the insured vehicle. The total insured sum chosen by the policyholder is divided equally among all actual occupants. The benefit is a percentage of the per-person sum according to the Trauma Table appended to the rules. No deductible applies to this coverage.
Key conditions
driver_age_experience_limit
No absolute minimum driver age in the base policy. However for the first insured event in which the driver is not in the group of authorised drivers defined in the policy, an additional EUR 300 deductible is applied on top of the contractual deductible (Rule 10.7). Drivers under 25 or with less than 2 years of driving experience should be declared before policy inception.
repair_network_requirements
Two repair variants: (1) Insured choice of workshop, repairs at any Lithuanian workshop chosen by the insured; (2) Insurer choice of workshop, repairs at an LD-designated workshop, if repaired elsewhere the claim is reduced by 20%. In both cases repair scope and cost must be agreed with LD before work begins. Repairs exceeding EUR 1,500 require prior LD approval.
territorial_scope
Coverage valid in Europe excluding Russia and Belarus (full country list in Rule 12 covering EU, EEA, Switzerland, UK, Turkey European part, Ukraine, Moldova, Kosovo and others). Technical assistance abroad limited to 2 events per policy year with maximum EUR 2,500 total per event for all services combined and EUR 1,500 sub-limit for towing per event. Abroad repairs up to EUR 1,500 do not require prior LD approval; above that prior coordination is required.
anti_theft_requirements
The vehicle must have all required anti-theft protection systems installed and fully operational as specified by the insurer. If a satellite tracking system is installed the monitoring and response service must be active. Theft is not covered if any required device was inactive or not installed, or if the vehicle was left with keys inside (except forcible robbery). Upon losing keys the insurer must be notified immediately and theft cover continues for up to 7 working days in a secured location until locks are replaced.
claim_notification_deadline
Claims must be reported in writing within 3 working days of the event via self-service portal www.savasld.lt, mobile app, or by phone 1828 (abroad: +370 5 266 6612). For events abroad verbal notification within 3 working days and written confirmation within 14 working days. Failure to notify on time may result in reduction or denial of the claim unless it can be proven the insurer learned of the event in time.
deductible_rules
A compulsory deductible stated in the policy is deducted from every claim payment except: direct collision with an animal, damaged or stolen licence plate, identified Lithuanian or insured at-fault third party where insurer has subrogation rights, driver and passenger accident insurance, and pet insurance. For theft a percentage deductible applies and cannot be lower than the contractual fixed deductible. An additional EUR 300 deductible applies for first event where driver is outside the defined driver group. Tyre-only damage deductible not less than EUR 50. Failure to submit vehicle photos within 7 days of cover start results in an additional EUR 300 deductible.
Where to buy
Policy specifics
No deductible for glass damage
No deductible applies when glass (windscreen, headlight, mirror) is repaired (not replaced) at an insurer-designated service. A reduced deductible applies for glass replacement at a designated service. Standard policy deductible applies in all other cases.
24/7 Technical Assistance on Road
Round-the-clock roadside assistance including towing, repair, fuel delivery. Response times in Lithuania: 60 min in city, 90 min on highway, 180 min on other roads
No depreciation deduction
Insurance payout is calculated without deducting depreciation of vehicle parts
Mandatory vehicle photo submission
Within 7 days of coverage start, insured must submit photos of vehicle as per instructions
Personal belongings in vehicle coverage
Coverage for personal items inside vehicle (luggage, child seats, pets, electronics, work tools)
Approved repair network
Insureds can choose their own repair service for repairs, or use LD-recommended service. Replacement vehicle terms differ based on choice
Territorial coverage
CASCO coverage valid in Europe excluding Russia and Belarus (full list includes EU, EEA, Switzerland, UK, Turkey European part, Ukraine, Moldova, Kosovo and others per policy rules). Technical assistance abroad limited to 2 events per policy year with max EUR 2,500 per incident.
Vehicle eligibility
Technical assistance only for M1 (up to 6 passengers) or N1 (cargo) vehicles, max 3500 kg weight