CASCO is not a mandatory vehicle insurance, but it may turn out to be very useful, in case anything bad happens, for instance, a falling tree branch damages the windscreen, you happen to accidentally scratch your car due to an unnoticed obstacle, or another trouble.




CASCO is different from MTPL (compulsory Motor Third-Party Liability insurance) is a type of insurance, designed for your peace of mind, it will cover the losses resulting from damages to your car also in the case, when you are the one at fault in a road traffic accident.

Although, contrary to MTPL policy, CASCO policy does not insure the vehicle driver’s liability, therefore you have to obtain a MTPL policy as well by all means.

Additional bonuses, when obtaining a CASCO policy with us:

Our advantages:

  • In case of a road accident, we will provide Roadside assistance free of charge – provide technical assistance, deliver your car to a car repair shop, cover the costs for taxi services, help to produce the agreed statement of facts on motor vehicle accident and provide other assistance;
  • Option to purchase CASCO policy by means of instalment payment.

Our car helps us accomplish and manage incredibly much, therefore, take care of your car and protect yourself from unforeseen expenses by purchasing CASCO insurance.

We offer a wide range of insurance protection, good terms, professional service and additional bonuses, when you obtain MTPL or CASCO with us!


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Why choose BTA CASCO policy?

Our advantages:

  • In case of a road accident, we will provide Road assistance free of charge – provide technical help, deliver your car to a car service, cover the taxi services, help draw up the coordinated accident statement and provide other assistance.
  • We offer a chance to purchase Economy CASCO that ensures the most necessary insurance protection - compensation in case of vehicle theft and loss, and provides 0% deductible for theft and loss of a car. The Economy CASCO is up to 60% cheaper than full service CASCO.
  • A 0% deductible is ensured for the first glass fracture for all cars and minivans without additional payment, if the glass is changed by the service centre specified by BTA.
  • We offer to pay for the policy in divided instalments. In case of an accident you will not have to cover the remaining divided payments before the indemnity payment.
  • Taking care of the safety of the customers’ cars, we provide mirror engraving free of charge for certain vehicle makes.
  • We offer a wide range of additional risks, including the opportunity to insure individual license plates, vehicle’s aerography, the opportunity to carry out repair works at the service chosen by the customer and other risks.
  • We provide convenient reporting of claims and fast proceeding of the compensation case. To receive the claim, you will not have to come to us, but after a phone conversation you will be able to visit our chosen service together with us where the inspection of your car will be carried out and all the necessary documents drawn up.
  • In case of small car damage we make the decision for the indemnity payment during the phone conversation. During a conference call you will be able to arrange a time suitable for you when the repair works must be done.

Bonuses offered:

  • If you pay for CASCO or Economy CASCO in one instalment, we will provide driver and passenger insurance for the insured sum of EUR 1500 free of charge.
  • We offer significant additional discounts for the purchase of CASCO policy for drivers with driving experience of at least 14 years, several driving license categories and no history of traffic accidents and car damage.
  • We offer each lady, an owner of a car, who purchases BTA CASCO policy to perform free car diagnostics once a year before the technical inspection during the policy term, as well as the possibility to receive discounts for various services related to cars. More information on discounts at the section “Discounts”.

Against what risks can a vehicle be insured?

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
-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.
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.
Prevented usage insurance 
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.
Performance of specialized work 
overs damages caused by loading and unloading, including when the vehicle overturns or the load falls down on the vehicle..
Risk of hydro impact
Covers damage caused by a vehicle hitting a puddle or flooded place.
Key theft
Covers replacement of vehicle ignition keys and security system control devices
Aerography related risk
Covers losses related to damage of vehicle’s aerographic drawing.
Vehicle maintenance risk 
Covers damages related to vehicle washing, maintenance, or repair.

What is the territory of validity of BTA CASCO?

The territory of validity of the CASCO policy can be chosen according to one’s own wishes and needs:

  • Latvia,
  • Baltic States (Latvia, Lithuania, Estonia),
  • European Union
  • CIS, including the European part of Russia, Belarus, Ukraine and Moldova

What do you need to know before travelling abroad?

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.

Safety requirements and mirror engraving

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:




 A4, A6, A8, Q5, Q7


 All models

 Land Rover

 Discovery, Range Rover


 All models

 Mercedes Benz 

 C, CLS, E, G, GL, ML and S class 


 All models


 Land Cruiser, RAV4




 All models


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:



Phone number, contact person


LTD Autonams

Rīga, Skanstes street 9A


Apply one business day in advance


Rīga, K.Ulmaņa avenue 125




Ways of purchasing the policy

BTA CASCO policy can be purchased in the following ways:

  • By filling out an application form on BTA webpage; a BTA specialist will contact you to find out detailed necessary information, prepare the insurance offer and send it to the e-mail address indicated by you;
  • By calling BTA Customer Support Service at 26 12 12 12. It is possible to pay for the insurance policy during the phone call;
  • By visiting BTA Customer Service Centre in person;
  • By contacting BTA agents, insurance brokers.

What to do in case of an accident?

In case of a traffic accident, act as follows:

  1. If someone is injured in the accident,
    • To the extent possible, give first aid to the injured person, but immediately contact the State Emergency Medical Service by calling 113 or 03.
    • Contact he traffic police by calling 110 or 02;
  2. If nobody has been injured in the traffic accident and only two vehicles are involved in the accident, and both drivers can come to an agreement on the circumstances of the traffic accident, no damage has been done to third party’s property and the vehicles do not have such damage that forbids to drive them, fill out the coordinated accident statement. You will find more information on the completion of the coordinated accident statement as well as a short video here. You must keep a copy of the completed coordinated accident statement so that you could submit it to us.
  3. If there are other conditions that do not allow to fill out the coordinated accident statement, for example, in case three vehicles are involved, calling the traffic police at 110 or 02 is obligatory.
  4. For the clarification of the circumstances of a traffic accident photos can be useful as well so, if possible, take photos of the vehicles right after the accident, without changing their location, and, if possible, record the contacts of the eyewitnesses.
  5. Contact BTA Customer Support Service at (+371) 26 12 12 12 as soon as possible in order to inform about the traffic accident, receive instructions for further actions, as well as to claim the insured event.

In case of vehicle theft or other illegal activities of third parties, for example, stolen mirrors of a vehicle, do as follows:

  1. Contact the traffic police by calling 110 or 02;
  2. Contact BTA Customer Support Service at (+371) 26 12 12 12 as soon as possible in order to inform about the fact of theft, receive instructions for further actions, as well as to claim the insured event.

In case of other misfortune or if you need help on the road, contact BTA Customer Support Service at (+371) 26 12 12 12 as soon as possible in order to inform about the accident, receive instructions for further actions, as well as to claim the insured event.

Insurance Terms and Conditions

  PDF E-doc*
KASKO terms and conditions    
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  

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