Lietuvos draudimas, AB
Lietuvos draudimas
Lietuvos draudimas is a motor casco insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
LD typically settles claims on a cashless basis by paying its recommended repair partner directly; the policyholder may instead choose a cash payout, and roughly half of such payouts are made within 5 working days.
Geographic scope
Europe (except Russia and Belarus)
Cover applies in Lithuania and, where the policy states 'Europe except Russia and Belarus', across the EU/EEA states, the UK, Switzerland, Turkey, Ukraine and other listed European states, explicitly excluding Russia and Belarus.
Unique selling points
- No deductible applies for claims such as animal collisions, natural disasters, glass damage or passenger injuries, which many competitors charge extra for.
- 24/7 roadside assistance is included with every CASCO policy, both in Lithuania and abroad.
- Claims decisions are typically made shortly after the incident is reported, reducing waiting time for customers.
- Chosen by roughly one in three insured people in Lithuania, reflecting its position as the country's leading insurer.
- In Lithuania, a replacement vehicle is delivered within 12 hours once repair is confirmed to take longer than one working day.
Coverage limits
Own damage cover
Covered
Only in Transporto priemonės draudimas nauja verte, Detalių nusidėvėjimas netaikomas, Detalių nusidėvėjimas taikomas
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.
Total loss / destruction cover
Covered
Only in Transporto priemonės draudimas nauja verte, Detalių nusidėvėjimas netaikomas, Detalių nusidėvėjimas taikomas
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.
Partial damage / repair cover
Covered
Only in Transporto priemonės draudimas nauja verte, Detalių nusidėvėjimas netaikomas, Detalių nusidėvėjimas taikomas
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.
Theft / robbery cover
Covered
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.
Glass breakage cover
Covered
Only in Transporto priemonės draudimas nauja verte, Detalių nusidėvėjimas netaikomas, Detalių nusidėvėjimas taikomas
Covers breakage or cracking of the vehicle's body, mirror or headlight glass. No deductible applies 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); otherwise the policy's standard deductible applies.
Natural perils cover
Covered
Covers damage from storm, heavy short-term rainfall, hail, snow load, flood, ground subsidence, landslide, and falling icicles/snow/ice.
Vandalism / malicious acts cover
Covered
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.
24/7 roadside technical assistance
€2,500
Only in I paketas, II paketas
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).
Replacement vehicle
Conditional
Only in I paketas, II paketas
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.
Driver and passenger accident cover
Optional
Optional cover, active only if selected and shown on the policy. Pays a percentage of the chosen sum insured (divided equally among all actual occupants) for bodily injury or death of the driver or passengers resulting from an accident involving the insured vehicle, per the injury schedule (Traumų lentelė). No deductible applies to this cover.
Key conditions
Driver age and experience limit
The insurer asks at inception whether the vehicle will be used by anyone under 25 or with under 2 years' driving experience; if a first claim occurs while the vehicle is used by someone outside the policy's defined group of authorised drivers, an extra EUR 300 deductible applies to that claim.
Repair network requirements
Depending on the option chosen, the vehicle is repaired either at a garage of the policyholder's choice in Lithuania ('Autoservisas Draudėjo pasirinkimu') or at an insurer-designated garage in Lithuania ('Autoservisas Draudiko parinkimu'); if the latter was chosen but repairs are done elsewhere without the insurer's consent, the payout is reduced by 20%.
Territorial scope
Cover applies within the territory named in the policy; where stated as 'Europe except Russia and Belarus', it extends to all EU/EEA states, the UK, Switzerland, Turkey, Ukraine and other listed European countries, but never to Russia or Belarus.
Anti-theft requirements
The policyholder must install the insurer's required anti-theft devices at an approved installer by the date stated in the policy and prove this on request; theft claims are refused if the required devices were not properly fitted, were switched off, or (for a tracking system) the monitoring/response service had lapsed.
Claim notification deadline
Where required by traffic rules, the police (or relevant emergency service) must be notified immediately; the insurer must be notified within 3 working days of the event (14 working days if it happened abroad), and confirmed in writing on request.
Deductible rules
A fixed-amount or percentage deductible applies per claim as stated in the policy (if several deductibles could apply, only the highest is used). No deductible applies to animal-collision damage, damage to the registration plate, or driver/passenger accident and pet claims. An extra EUR 300 deductible applies to a first claim involving a driver outside the authorised group, and a minimum EUR 50 deductible applies to tyre-only damage.
Where to buy
Policy specifics
Replacement vehicle provision
Provision of replacement vehicles during repair period with delivery times specified for Lithuania and abroad
SourceTechnical roadside assistance
24/7 roadside technical assistance service available in Lithuania and abroad (EU, EEA, Switzerland) with specific response time guarantees and service limits
SourceEvents with no deductible applied
Specific insured events where no deductible (franchise) is applied: collision with animals, natural disasters, glass/registration plate damage, passenger accidents
SourceVehicle photography condition
Not established from the insurer's documents
Requirement to submit photographs of insured vehicle within specified timeframe after coverage commencement; failure incurs penalty deductible increase of EUR 300
SourceThird-party source, not the insurer's documentDeductible (franchise) types
Fixed and percentage-based deductible options available with varying applicability to different claim types
SourcePayment claim settlement method
Insurer settles claims by directing payment to recommended repair service or reimburses policyholder if cash payment option selected; 50% of such claims paid within 5 working days
SourceGeographic coverage territory
Coverage valid in EU, EEA countries, and Switzerland; some restrictions may apply in specific territories including Gibraltar, Cyprus, and Turkey
SourceStandard contract period
Standard CASCO insurance contracts concluded for 12-month period, commencing on date specified in policy certificate provided premium paid by that date
SourceSources
- https://www.ld.lt/kasko-draudimas
- https://www.ld.lt/sites/default/files/2022-08/kasko_draudimo_informacinis_dokumentas_2021_12_0.pdf
- https://www.ld.lt/sites/default/files/2024-04/Atmintine_Apie_Lengvuju_Automobiliu_Kasko_draudima_A4_2024_04.pdf
- https://www.ld.lt/sites/default/files/2026-05/Kasko%20draudimas_Paprastai_2026%2004.pdf