CASCO Potholes

Advantages:

• Available to everyone!
  CASCO Potholes policy is available to any owner of a vehicle whose car is registered in Latvia and if the vehicle’s weight does not exceed 3.5 tonnes.
• A good price!
  If you buy the CASCO Potholes policy, your car will be insured for 1000 EUR.
• You can buy it even if you don’t have CASCO!
  If you don’t have the CASCO insurance policy, but you want to protect yourself from losses caused by bad roads, you can apply for CASCO policy as well. Take into account that MTPL insurance policy does not cover this kind of risk.
• Useful to buy if you already have CASCO as well!
  If you already have the CASCO policy of any insurer, then it is also useful to purchase CASCO Potholes. Usually CASCO cover risks related to bad road quality but these policies often have a deductible which can be bigger than the amount of damage made, and as a result the indemnity is not paid. Whereas the insurance of the CASCO Potholes policy does not have a deductible, and the losses created will be covered in full amount.
• Fast payment of indemnities!
  We will promptly examine the claim case and pay the indemnity in cash by transferring it to the account indicated by you.

 If by driving into a pothole or a hatch the tire or the wheel of the vehicle is damaged, we compensate the following expenses:

• Car evacuation from the accident site
  We will compensate the transportation expenses of the vehicle for EUR 30 if evacuation is required after driving into a pothole.
• Vehicle damage repair
  We will compensate the expenses for repairs of damages to the vehicle and its additional equipment (audio devices, additional lamps, spoilers etc.) by transferring the insurance indemnity to an account indicated by you.

You can purchase the CASCO Potholes policy if the ratio of the height and width of the profile of your vehicle’s car exceeds 45.

The CASCO Potholes policy is 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, Netherlands, Portugal, Poland, Romania, Spain, Finland, Slovakia, Slovenia, Serbia and Montenegro, San Marino, Switzerland, Hungary, Germany, Vatican, Sweden.

CASCO Potholes policy can be purchased in the following ways:

• By filling out an application form on BTA website; 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.

If you have driven in a pothole or a hatch and it has caused visible damage, and the tire or the wheel of the vehicle is damaged:

1. Without leaving the place of accident, contact BTA Customer Support Service at 26 12 12 12 in order to inform about the fact of theft, receive instructions for further actions, and claim the insured event.
2. Follow the instructions received by phone, for example, to wait for the arrival of the traffic police or BTA Assistance service, record the contact information of eyewitnesses etc.
3. Do not perform repair work on the vehicle before you receive agreement from BTA.

Download BTA mobile app!
Download BTA mobile app on your smartphone, and you will always have our contacts. In case of an accident, our app will help you to contact both emergency services and us, so we could inform you about further actions. The BTA mobile app on your smartphone is a convenient way to send us photos from the place of accident if our specialist asks for them.

	PDF	E-doc*
CASCO Potholes terms and conditions
Terms and conditions No 2-1 (Latvian) (in force for policies issued from 24.03.2015)
Terms and conditions No 2 (in force for policies issued from 17.08.2010)

* 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).