Our car helps us manage incredibly much – meet clients, deliver products and orders, perform other important tasks. Take care of the transport of your company and buy CASCO insurance! This will protect your company from unforeseen expenses, if a mishap with the transport occurs. We provide individual approach to each customer – we will evaluate the cars of your company, offer good conditions, professional service and additional bonuses!
|Destruction of the vehicle||
If the prevention of damage created as a result of any of the risks mentioned in CASCO rules exceeds 70% of the actual value of the vehicle at the moment of the occurrence of the insurance event.
|Risk of burglary||
Robbery of the vehicle or an attempt to steal the vehicle connected with violence or threats of violence
|Risk of theft||
Secret or public vehicle theft or an attempt of theft if the vehicle has been moved from its place of parking.
|Risk of traffic accident||
A collision with another vehicle, obstacle, pedestrian, animal or other object in traffic or other place where driving is possible, as well as the rollover, falling (e.g. from a bridge, etc.), sinking or breaking through the ice of a vehicle in motion.
|Risk of fire||
The impact of fire, smoke, soot and extinguishing operations on the vehicle
|Risk of natural disasters||
Damage of the vehicle caused by storm, flood, lightning and hail, as well as the damage caused by falling objects created by the impact of these natural disasters.
|Risk of glass breakage||
Mechanical damage of the glass of the windows of the vehicle
|Risk of animals||
Damage caused by animals or birds, including damage to the vehicle interior or the engine compartment.
|Risk of falling objects||
Damage caused by falling objects
|Risk of participation in competitions||
Damage of the vehicle caused by participating in competitions, practice drives, test drives on the condition that the regulation of competition includes, partially or entirely, driving on public roads in compliance with traffic rules.
|Risk of illegal activities of third parties||
The destruction, damage, theft of parts or additional equipment of the vehicle carried out by third parties.
|Additional free coverage "Roadside Assistance" providing such assistance in unforeseen circumstances on the road:||
|24 Hour Assistance|
|Technical Assistance on the Road||
If you can not continue your trip due to an accident, BTA Assistance service will help you – a professional will consult you on the damage and will perform the following on-the-road repairs:
-will replace the damaged wheel with the spare wheel that you have in your car
Labour is free of charge, but the materials used for the repairs are charged separately.
|Delivery of Fuel||
The delivery is free of charge, but you will have to pay for the fuel.
|Transportation to a Service Center||
If you can not continue the trip due to an accident and the damage can not be repaired on-the-road, BTA Assistance service will transport your car to the nearest service centre. If your car has the manufacturer’s warranty, during the working hours of the dealer’s service centre we will take it to the nearest dealer’s service centre and outside the working hours – to the nearest guarded parking place of the dealer’s service centre.
If you can not continue the trip with your car and the auto assistance service has towed it away, we will transport you and your passengers to the selected place within the 60 km distance from the place of accident. The maximum number of persons to be carried – 9.
If your car has been towed away by the BTA Assistance service and it is being repaired, within one day we will replace it with the lease car until the problem, which is keeping your car off the road, is solved. The lease car is provided free of charge for up to 3 days. The class of a rental car is determined in accordance with the class and equipment of your car; however, it will not be higher than compact class.
|Filling in the Coordinated Accident Statement||
In case you have had a minor roar traffic accident, and the circumstances according the Road Traffic Regulations allow producing the agreed statement of facts, then call 26 12 12 12 and receive guidance on how to fill in the agreed accident statement. In case of necessity, BTA Assistance service will also help you with filling the statement on site.
|For additional cost such risks can be insured as well:|
|Insurance of individual license plates||
If the vehicle has been given a name or a special title, in case of license plate theft you will receive an equivalent license plate because CSDD does not issue the same license plate repeatedly.
|Replacement value insurance||
In case of vehicle theft, burglary or destruction the compensation of the losses will be equal to the value of a new, equivalent vehicle; the insurance is in force if the time period since the first day of registration of the vehicle does not exceed 2 years and the kilometrage does not exceed 60 000 km.
BTA will compensate for losses with respect to Luggage Theft, Robbery, damages, Destruction, occurring as a result of sudden and unexpected circumstances, except for cases referred to in “Exceptions” section of these Terms and Conditions. The maximum Insurance Indemnity amount payable for all Insured Events in total during the Insurance Period shall be EUR 1000. Damages Deductible will be applied, when calculating Insurance Indemnity.
|Repair at the service centre selected by the customer||
The opportunity to repair one's car at the selected service centre.
BTA will indemnify for losses resulting from damage related to the vehicle washing, maintenance, repair and the consequences thereof. Deductible will be applied, when calculating Insurance Indemnity, except for a case, when the Insured has submitted to BTA all its requested documents to exercise the Subrogation Right against the person liable for causing loss.
|Risk of hydro impact||
Covers damage caused by a vehicle hitting a puddle or flooded place.
BTA will compensate the expenses of restoring the vehicle ignition keys and anti-theft systems control devices in the case of Theft or Robbery of these devices, except for cases, listed in the Exceptions section of these Terms and Conditions. The maximum Insurance Indemnity amount payable for all Insured Events in total during the Insurance Period shall be EUR 300. Deductible is not applied, when calculating Insurance Indemnity.
|Aerography related risk||
BTA will compensate for losses from damages to the vehicle’s aerographic drawings, carbon, matt and other protective and coloured films (except for Auto Glass tint damage), occurring as a result of any sudden and contingent conditions, except for cases, listed in the Exceptions section of these Terms and Conditions. The maximum Insurance Indemnity amount payable for all Insured Events in total during the Insurance Period shall be EUR 600. Deductible is not applied, when calculating Insurance Indemnity, if this is the only damage.
|Replacement car provision||
During the repairs of your car, you may receive a substitute rental car.
|Theft of vehicle registration certificate||
We shall indemnify for loss, related to change of registration certificate or number plate of the vehicle, after the registration certificate or number plate was stolen or robbed.
BTA will compensate for losses resulting from Insurance object’s, incl. any stationary installed or mounted vehicle parts, damages or destruction as a result of malicious intent or fault that in terms of loss compensation and other civil liability consequences equals wilful misconduct, of the Insured’s family member (spouse, children, parents), Policyholder’s family member (spouse, children, parents), Beneficiary’s family member (spouse, children, parents) or employee, except for cases, listed in the Exceptions section of these Terms and Conditions. Deductible will be applied, when calculating Insurance Indemnity.
|Cover on ferry||
BTA will indemnify for losses from damages of the Insurance object, occurring as a result of sudden and contingent conditions, except for cases, listed in the Exceptions section of these Terms and Conditions, while the vehicle was located on a ship or ferry and was being transported as cargo. Deductible will be applied, when calculating Insurance Indemnity.
|Fuel system cleaning||
BTA will indemnify for losses related to cleaning of the vehicle’s fuel system, sustained due to filling a fuel not corresponding the vehicle’s manufacturer’s specification. Deductible will be applied, when calculating Insurance Indemnity.
|Electrical units damage||
BTA will indemnify for losses related to damages of the vehicle’s electronic components, resulting from the operation of anti-theft equipment installed on the vehicle, which has not been installed by the vehicle’s manufacturer. Such losses will be compensated once during the Insurance Period. The maximum Insurance Indemnity payable shall be EUR 700. Deductible is not applied, when calculating Insurance Indemnity.
The territory of validity of the CASCO policy can be chosen according to one’s own wishes and needs:
When travelling abroad, take the printouts of CASCO policy and MTPL policy with you because the Latvian MTPL policy register is not available for the traffic police of other countries, and they will not be able to ascertain the existence of your MTPL policy.
If you plan to go to Albania, Belarus, Bosnia and Herzegovina, Iran, Israel, Russia, Macedonia, Montenegro, Morocco, Moldova, Tunisia, Turkey or Ukraine, you will have to purchase International Insurance Certificate or the Green Card.
Anti-theft devices and equipment
Taking care of the safety of the customers’ cars, we evaluate the car’s anti-theft devices and equipment before purchasing the CASCO insurance policy.
When insuring a vehicle, you must have two keys with factory immobilizer and two alarm controls. The alarm must have sound and light signals; it has to react to the opening of donors, bonnet, as well as the trunk.
For certain makes and models, as well as for exclusive and expensive cars we might ask to install an additional anti-theft device, for example, the secret switch, additional immobilizer, radio observation/search system.
Additional information on the requirements of the alarm system can be acquired by calling the BTA Customer Support Service at 26 12 12 12 or contacting us by any other means more convenient for you. The means of communication can be found at the section “Contacts”.
To reduce the likelihood of unpleasant moments that arise in case of vehicle mirror theft, we provide free-of-charge mirror engraving for certain makes of vehicles at our collaborative services.
We offer free-of-charge mirror engraving for the owners of the following makes and models of vehicles that have purchased BTA CASCO policy:
|Audi||A4, A6, A8, Q5, Q7|
|Land Rover||Discovery, Range Rover|
|Mercedes Benz||C, CLS, E, G, GL, ML un S klase|
|Toyota||Land Cruiser, RAV4|
To perform mirror engraving, present a BTA CASCO insurance policy in force in a BTA collaborative service. A written statement will be given for the engraving. The engraving will be carried out during approximately 50 minutes, without removing the mirror of the vehicle.
Engraving of the mirrors can be carried out at the following BTA collaborative services:
|LTD Autonams||Rīga, Skanstes street 9A||67501850||Apply one business day in advance|
BTA CASCO policy can be purchased in the following ways:
If you wish to receive additional information on CASCO insurance coverage or purchasing, contact BTA Customer Support service at 26 12 12 12 or by any other means of communication convenient for you. Other means of communication can be found at the section “Contacts”.
|KASKO terms and conditions|
|Terms and conditions No 4F6
(the version is in force for policies issued from 03.06.2019)
|+ Annex Auto Assistance|
|Terms and conditions No 4F5-1
(the version is in force for policies issued from 14.01.2014.)
|+ Annex Auto Assistance|
|Terms and conditions No 4F-5
(the version is in force for policies issued from 05.04.2011.)
|+ Annex Auto Assistance|
* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).