CASCO Insurance
BTA informs that BTA does not offer insurance services in the country, which is indicated in your IP address, please contact BTA Customer support service +371 26 12 12 12.
Your CASCO benefits
Have you hit the curb and burst your tyre? A tree fell on your car during a storm? Flat tyres, broken glass, damaged car body - it happens to everyone, but with CASCO you can rest assured that we will quickly reimburse you for the costs you incur as a result of an accident.
Road traffic accident
Your CASCO insurance will cover the costs if you collide with another vehicle, an obstacle, a pedestrian, an animal or another object, or if a vehicle overturns, falls, sinks or becomes stuck in the ice.
Natural disasters
More and more often in our daily lives, we are confronted with natural disasters - storms, floods, lightning and hail - which can also cause damage to your car. Your CASCO car insurance will cover the damage caused by these disasters.
Broken glass
We'll reimburse you for the cost of repairing or replacing your windscreen, for example if you're driving on gravel roads in Latvia and a stone flying from an oncoming car damages your windscreen.
Puddles, potholes
We'll reimburse you for damage caused when your vehicle drives into a puddle or flooded areas. Have hit a pothole? We will reimburse the cost of buying and replacing a tyre and wheel rim.
Technical roadside assistance
If you are unable to continue your journey as a result of an accident, we will provide assistance to diagnose the damage, carry out any repairs that may be necessary in the road conditions, and get you back to where you were planning to be before the accident. We'll even deliver fuel if you suddenly run out of fuel while driving.
Car theft and robbery
Your CASCO insurance will cover the costs of violent carjacking or theft.
Add additional CASCO options via next steps:
Replacement car
Are you stranded due to an accident and don't want to use public transport? BTA will provide a replacement car while your car undergoes the necessary repairs.
Personal accident insurance
We'll cover the cost of medical treatment, medicine, dressing materials and injuries for the driver and passengers as a result of a car accident.
Choice of car repair shop
The choice is yours! BTA offers a wide network of partners, but if you want, you can repair the technical damage caused by an accident at a well-known and trusted car shop.
What are the most frequent CASCO paid indemnities?
Road traffic accident
Collision occurred with a vehicle in front of you. The entire front left side is damaged, left wheel off. Paid indemnity 10 677 €.
Broken glass
A stone flying from an oncoming car hit the windscreen of the client's car, causing a crack in the car glass. Paid indemnity 2 973 €.
Replacement car
During client’s car repair we’ll provide a replacement car for 30 days. Replacement car expenses 874 €.
Theft
The client's car has had both headlights stolen, the wiring looms broken off and the wires damaged. Paid indemnity 6 786 €.
Natural disaster
The hail damaged the windscreen and the entire left side of the car body. Paid indemnity 17 741 €.
Collision with an animal
The client's car was damaged - bonnet, headlights, radiator grille and right wing - in a collision with a roe deer. Paid indemnity 5 351 €.
How to apply for indemnity?
1
Complete insurance claim application at customers portal My BTA.
2
We will help you to understand what kind of documents should be completed required by insurance claim decision-making.
3
We will consider your claim and let you know about the decision asap. It takes us 3-5 days as of receipt of all the requested document on average to consider an insurance claim case.
Use all opportunities and benefits of CASCO!
Innovation that makes your life easier
By means of DriveX application prepare your car photos quickly and simply and send them remotely - no more in-person photos and inspections.
Choosing your deductible
When buying CASCO online you can choose the sum of your deductible. The higher the deductible the lower the insurance payment. What’s a deductible?
Subscription
Same as Spotify, Go3 or Tet TV+, you can subscribe for car insurance as well and make monthly CASCO payments easier - you won’t have to think about it when you rest.
MTPL and CASCO insurance together
Fill in the input fields of the car insurance calculator and receive a CASCO insurance offer. Or, if you wish, immediately purchase CASCO in a package with MTPL insurance.
Frequently asked questions
When you buy CASCO insurance online - on BTA's website, you will get a wide range of cover, not just car insurance:
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.
Roadside Assistance
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
- will start the engine with jump leads
- will solve problems with the anti-theft equipment
- will open locked doors
- will unfreeze the door locks
- will unblock the automatic gear box
- will fix leaks in the cooling system and refill the antifreeze
- will tension the engine belt
- and perform other on-the-road repairs. 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.
- Taxi Services
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.
- Car Rental
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.
Luggage insurance
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.
Vehicle maintenance
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.
Key theft
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.
Carelessness risk
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.
When purchasing CASCO insurance on BTA website, you can add the following additional risks:
Replacement car provision
During the repairs of your car, you may receive a substitute rental car.
Repair at the service centre selected by the customer
The opportunity to repair one's car at the selected service centre.
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.
Vehicle driver and passenger private accident insurance
We shall cover costs of treatment, medicinal products, and dressing materials in cases of injury, as well as child’s study allowance up to the age of 24.
Performance of specialized works
We shall indemnify expenses for damages sustained as a result of loading and unloading works, including when the vehicle tips over or a load falls down on it.
Contact BTA by phone +371 26 12 12 12, if you need to include the following additional risks in your CASCO insurance:
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.
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 repair line
If a vehicle specified in the insurance policy is damaged resulting from an insured event, BTA shall ensure an option to start repairing the damaged vehicle in a car repair station accepted by BTA in Latvia within 6 business days as of the time the vehicle is transferred to the car repair shop.
This being the case, throughout the entire vehicle repair time BTA will provide the Insured with a replacement vehicle pursuant to the provisions of option A or B that is specified in the insurance policy, or BTA shall indemnify for replacement vehicle rental costs without any restriction to the timeframe, incl. article 3.2.3 b) of CASCO Terms and Conditions and other restrictions to the timeframe of replacement vehicle use that are envisaged by the insurance policy will not apply to this case.
CASCO insurance deductible is the sum that policyholder undertakes to cover from personal funds if an insured event occurs. When purchasing BTA CASCO insurance online you can choose the sum of deductible depending on the car class – 140 € or 285 € / 180 € or 285 €. The higher the deductible the lower the insurance premium (payment for the policy). Calculate CASCO insurance premium
Deductible calculation example: If deductible is 140 € and car repair expenses is 1000 € , then insurer covers 860 € while you pay 140 €.
When driving abroad, take a printout of your CASCO policy and a printout of your MTPL policy, because traffic police in other countries do not have access to the Latvian MTPL policy register and will not be able to check whether you have a valid MTPL policy.
When buying CASCO insurance on BTA website, you can choose either "Europe" or "Baltics" as the territory of operation. If you choose "Baltics", your CASCO insurance will be valid in Latvia, Lithuania and Estonia.
If you choose "Europe", your CASCO insurance will be valid in Latvia, Lithuania, Estonia, Austria, Albania, Andorra, Belgium, Bulgaria, Bosnia and Herzegovina, Czech Republic, Denmark, France, Greece, Croatia, Italy, Ireland, Iceland, Cyprus, United Kingdom, Liechtenstein, Luxembourg, Malta, Monaco, Macedonia, Norway, the Netherlands, Portugal, Poland, Romania, Spain, Finland, Slovakia, Slovenia, Serbia and Montenegro, San Marino, Switzerland, Hungary, the Vatican and Sweden.
Contact BTA by telephone +371 26 12 12 12, if you need the following CASCO insurance operational territory:
- The above-mentioned European countries and the European part of the Russian Federation located west of the Ural Mountains, as well as the territories of Belarus, Ukraine, Moldova, Turkey, Armenia, Azerbaijan, Georgia, Tajikistan and Kazakhstan.
- If you plan to travel by car to Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey or Ukraine, you will need to purchase an international insurance contract or "Green Card".
When a potential insured event occurs, notify BTA of the accident as soon as possible by filling in the CASCO claim form on My BTA Customer Self-Service Portal. In case of any questions, please contact us via the 24-hour information line +371 26 12 12 12.
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”.
Mirror engraving
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:
| Make | Model |
| Audi | A4, A6, A8, Q5, Q7 |
| BMW | All models |
| Land Rover | Discovery, Range Rover |
| Lexus | All models |
| Mercedes Benz | C, CLS, E, G, GL, ML un S klase |
| Porsche | All models |
| Toyota | Land Cruiser, RAV4 |
| VW | Touareg |
| BENTLEY | All models |
| ŠKODA | KODIAQ |
| ŠKODA | ENYAQ |
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:
| Name | Address | Phone | Comments |
| LTD Autonams | Rīga, Skanstes street 9A | 67501850 | Apply one business day in advance |
Provide your Volvo with headlight tags free of charge, if you have BTA CASCO policy.
BTA takes care of its customers’ safety and offers the owners of all Volvo XC60, XC90, XC70, S80 un V70* cars, who purchased or intend to purchase BTA CASCO policy, to provide their headlights with identifications tags free of charge at our cooperation partner’s SIA “Autonams”
* BTA offers headlight tags free of charge for the following Volvo models acc. to its year of manufacture:
XC60 (2008-2017)
XC90 (2008-2014)
XC70 (2008-2015)
S80 (2008-2015)
V70 (2008-2015)
V60 (2010-2018)
S60 (2010-2018)
CASCO insurance is a subscription - monthly payments are made automatically using your linked payment card at the time of purchase. This makes it easier to pay your monthly CASCO insurance bill, as you don't have to think about paying it every month.
What is the term of the CASCO subscription?
CASCO subscriptions are for an unlimited period. So you don't have to think about buying new CASCO insurance every year.
Will the monthly payment be the same all the time?
We ensure that the monthly payment remains the same for at least 12 months after the purchase of the CASCO insurance subscription. If the monthly payment changes after 12 months, we will inform you in good time and you can choose whether to continue or cancel your CASCO subscription.
How do I buy CASCO insurance subscription?
Enter the car number, as well as the registration certificate number or the owner's personal identification number in CASCO calculator, read and confirm the "Privacy Policy". Click "Get a quote". In the second insurance step, turn on the "Monthly subscription" option.
How do I know that my CASCO insurance is active?
All information about your CASCO subscription and insurance will be available on My BTA Customer Portal.
How can I cancel my CASCO subscription?
You can cancel your CASCO insurance subscription on the My BTA portal or by calling BTA Customer Service at +371 26 12 12 12.
Is CASCO insurance terminated immediately upon cancellation?
If you cancel your CASCO insurance subscription, the insured vehicle will remain insured until the end of the paid period.
Does the insurance cover change if a subscription is selected?
If you choose to insure your vehicle with a subscription, your car is insured on the same terms as if you had chosen to insure your vehicle for a fixed period.
Can I subscribe if I have several vehicles?
Yes, of course! You will need to set up a separate subscription for each of your vehicles.
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