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CASCO insurance

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From 20.10.2022. no deductible will be applied for vehicles with a maximum permissible mass of up to 3.5t in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the location of the incident.

This applies automatically to all new and existing CASCO insurance contracts regardless of which CASCO package you have chosen.

CASCO insurance which protects more than just a car

  • 0 EUR deductible for glass damage and collision with an animal.
  • Cover for the driver, passengers and personal belongings with Extra CASCO.
  • New original manufacturer’s spare parts for cars that are up to five years old.

For passenger cars weighing up to 3.5 tons we offer

Other examples of risks covered

  • Theft, robbery
  • Vandalism
  • Fire
  • Natural disasters
  • Falling objects
  • Collision with another vehicle
  • Collision with an obstacle
  • Collision with an animal
  • Driving off the road
  • Engine damage due to hydraulic shock
  • Fuel system cleaning when wring fuel has been inserted
  • Damage during transportation
  • Damage made in car wash/service
  • And many more accidents

Remember – All-risk insurance means that any unexpected event is covered, unless listed as an exception in the contract terms, such as driving under the influence or without driver’s licence of the respective category, or damage to the car due to normal wear and tear, for example, rust etc. Find out more in the terms.

Standard CASCO


All-risk cover Any unexpected event is covered, unless listed as an exception in the contract terms, such as driving under the influence or without driver’s licence of the respective category, or damage to the car due to normal wear and tear, for example, rust etc. Find out more in the terms.
Road accidents
Natural disaster
Other insured risks
Additional covers and benefits
Accessories insurance (e.g. roof rack or-box, wheel rims, light trailer) Items permanently attached to the vehicle (e.g. audio equipment, wheel rims, additional lights) and a light trailer without cargo (maximum weight 750 kg), roof rack or -box, bike or ski rack, child’s safety cot or safety seat, removable GPS equipment and plate number. An extra set of tyres or wheel rims kept in a locked place are also insured as accessories.
24-hour roadside assistance Roadside assistance will be provided to you on the road if you are not able to start the vehicle, get a flat tire, run out of gas, lock the car key inside the vehicle, get in a road accident, or the vehicle has broken down and, therefore, needs to be transported to a repair shop or storage location.
0 EUR deductible for glass damage We will repair or replace your damaged car windows without deductible. The glass of exterior mirrors, sunroof and panoramic roof are also covered. Original parts will be used for cars which are up to 3 years old.
0 EUR deductible for collision with animal No deductible will be applied in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the place of the incident.
New car value insurance The agreed value of a vehicle with a maximum permissible mass of 3.5 tons will not decrease during the first year following the initial registration of the vehicle.
New original manufacturer’s spare parts for cars of up to five years of age New original spare parts are used to repair vehicles that are up to five years old, unless the parts that need to be replaced do not comply with the standard or are not original parts. Also, we may use non-genuine glass when the windows of a vehicle that is more than three years have to be replaced.
Damage to or theft of personal belongings Your personal belongings inside the car are insured, in case they will be stolen or damaged in an insured event. This includes items in the roof box and bicycles fastened to or on top of the car using security devices. The maximum compensation is €1,200 per insured event with a 50 € deductible.
Loss of or damage to keys In the case of loss, theft or robbery of keys or alarm remote control, we will reimburse the cost of keys and alarm remote control recoding, or if that is impossible, the replacement of locks. The deductible in the case of loss of keys is € 70.
Transportation costs to and from repair shop In case you can drive your car to a repairshop, we will indemnify for the cost of transporting the vehicle to a repair shop and bringing it back (i.e taxi receipts) up to € 50 per case.
Personal accident insurance for you and passengers If you or the passengers in the vehicle are injured in an insured event which causes you or the passengers a temporary or permanent incapacity to work, or death, we will pay out the accident insurance indemnity. Sum insured per person is € 10 000, daily allowance € 30.
Trip interruption If it becomes impossible to continue driving due to an insured event (unexpected technical fault or theft or loss of keys) we will reimburse your and your passengers’ reasonable expenses of returning home or, alternatively, accommodation if returning to home on the same day is not possible. The maximum amount reimbursed for one event of trip interruption is € 300.
Replacement car If you are no longer able to use the car due to an insured event, we will reimburse for the cost of renting a replacement vehicle or for other transport expenses approved by us. The renting expenses will be reimbursed for the period not longer than 30 days per one insured event. You can choose the maximum reimbursement per day - either € 30 or € 60. Optional (extra charge) Optional (extra charge)

CASCO insurance provides voluntary vehicle insurance, which will compensate damages incurred to the vehicle. The insured car may also be driven by other persons entitled to drive.

Our advantages:

  • All risk cover - any sudden and unexpected event not listed under the exceptions is covered. See examples
  • 24-hour roadside assistance without limit and without restrictions on the number of times you can use the service.
  • 0 EUR deductible for glass damage
  • 0 EUR deductible for collision with animal No deductible will be applied in the event of a direct collision with animal (including bird) during a traffic accident, if the relevant authority was notified in accordance with the procedure established by the legislation in force at the place of the incident.
  • New original manufacturer’s spare parts are used for repairs for cars of up to five years of age.
  • In case of theft or total loss, the higher of the two amounts – the sum insured stated in the policy or the market value – will be reimbursed.
  • No restrictions on driver’s age or experience.
  • No additional requirements for security systems.

You can insure a vehicle of up to 14 years of age.

After concluding the agreement:

  • If requested in the policy, please send photos of the vehicle. documentSee instructions
  • Print out the traffic accident notification form and place it into your car. This way you will have it at hand, should an accident occur.
  • Save the roadside assistance number 67444449 on your phone, so you can call for 24/7 roadside assistance.
  • Before travelling abroad with your car, make sure that CASCO insurance is valid in the countries you will be driving in.

We offer our Standard CASCO solution, which includes all risk cover, also for commercial vehicles with the full weight of over 3.5 tons (incl. buses, trucks, lorries etc.).

Sum insured is agreed in the policy and you will also get a towing limit across Europe.

Ask for CASCO offer

In case you have more than five vehicles to insure, ask for our fleet offer.

For a fleet offer please be prepared to send us claims history for the last years.

Ask for CASCO offer
  • Ask for CASCO offer.
  • Payments can be made on a monthly, quarterly, half-year or yearly basis, without the frequency of payments affecting the size of the insurance premium.
  • Insurance cover will apply on the selected date or immediately after the contract has been confirmed.
  • If necessary, we will ask you to submit photos of the vehicle or have a vehicle inspection carried out within 3 days after the issuing policy.
  • The policy is available in the internet bank 24/7.
  • The photos should be taken during the daylight hours and the car should be clean.
  • It is important that the date on which the photos were taken can be identified on the photos.
  • The photos must be emailed to Please put the registration number in the subject line of the e-mail.
  • Provide the following photos:
    • Diagonal view of the front, showing the front number plate.
    • Back diagonal showing rear number plate.
    • Interior photo of the central console.
    • Separate photos of any damages.
More detailed guidelines.

Make sure to call to the Emergency Centre if necessary. If the situation is safe, please notify us in the internet bank as soon as possible.

In the event of a collision with an animal, notify the State Police immediately (a collision is considered a road traffic accident and you may not leave the scene of the incident without notifying the police). The State Police will inform you of the next steps.

  • Fill out the insurance claim form.
  • Our claim handling specialist will contact you and provide further guidance.
Fill out claim form

In case you need road side assistance, please call 67444449.

Call the Emergency Centre (112) when:

  • people are injured;
  • you do not reach an agreement about the fact who caused the accident;
  • the vehicle or parts of there have been, stolen or robbed;
  • you have caused damage to someone, but you do not know who owns the vehicle or property;
  • third-party property is damaged or more than two cars are involved;
  • the situation includes a fire or an explosion;
  • environmental pollution may occur;
  • collision with an animal (including a bird) has happened.


  • phone 67444449
  • The insurer is Swedbank P&C Insurance AS which is represented in Latvia by Swedbank P&C Insurance AS Latvian branch. The insurance agents are Swedbank AS and Swedbank Līzings SIA.

Insurance claims handling

Fill out claim form

Roadside assistance

If you need technical assistance on the road, call 67444449.

With Europe we understand the following countries: Latvia, Lithuania, Estonia, Albania, Austria, Andorra, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Cyprus, Germany, Greece, Croatia, Iceland, Italy, Ireland, Great Britain and Northern Ireland, Liechtenstein, Luxembourg, Macedonia, Malta, Montenegro, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Spain, Finland, Slovakia, Slovenia, Serbia, San Marino, Switzerland, Ukraine, Hungary, Vatican, Sweden, Russia (geographical part of Europe), Kazakhstan (geographical part of Europe), Turkey (geographical part of Europe), Armenia (geographical part of Europe), Georgia (geographical part of Europe), Azerbaijan (geographical part of Europe).

#StayHome and take care of your home and vehicle security

During the pandemic people are being urged to stay home and self-isolate in order to protect the health and safety of themselves and others. With home having become an office, school and playground for many, it is worth giving some thought to home and vehicle security.

Protect your personal belongings by creating various zones and make sure your property is insured

If you spend most of the day at home, it is definitely worth thinking about setting up various zones in your home to help you focus on specific activities. For example, you can set up a work area, a study area for the children and a relaxation corner for yourself and your family. These areas do not necessarily have to be separate rooms, they simply have to have a specific purpose. This will let you better focus on the task at hand, whilst also protecting, say, your work computer from accidentally spilled tea or the television set from children’s games.

According to Swedbank insurance data, we ourselves are often the ones to blame for various damages to our home and personal belongings. Last year 15% of insurance claims were filed for accidental damages to household appliances, such as a cracked ceramic hob or a television damaged due to a fall. The average insurance benefit paid was EUR 330, with the highest reaching EUR 3039. Right now, with people spending much more of their time at home, such cases are no rarity. Therefore, if you have already insured your home, it is worth checking whether you have also insured your belongings and if so – whether the sum insured is suited to your current needs.

If your permanent residence is left empty, ask a neighbour for help and think about home insurance

Since the declaration of the national state of emergency, many people have left their permanent residences for family property on the countryside or smaller towns. In such a case it is very important to have someone check in on your property from time to time to make sure everything is in order. Perhaps a neighbour can help by keeping an eye on what is going on at your home, including any vehicles you may have left outside.

Home insurance will protect you and your family from various potential financial losses. This covers not only burglaries, which are actually rare, but also troubles like flooding of your own or neighbour's apartment.

If your car is parked outside for the long-term, insure it with CASCO

Right now, your car may be left alone in the yard or on the side of the street, but that does not mean it is safe. A car can fall victim to thieves or gusty winds that are no longer a rarity in Latvia. Thus, for example, last year the highest compensation for damages caused by a tree falling on a car was EUR 4700. Densely parked cars in courtyards are also often damaged by careless cyclists or other drivers. For example, last year one car owner whose vehicle had been damaged by a passing car, incurred a loss of EUR 1900 from the incident. We must also not forget that prowlers are not sitting idle at this time, especially in regard to stealing vehicle parts. Therefore, it would be currently advisable to revise your spending instead of cutting insurance which is your financial shield. With it, any additional troubles will create as little worries as possible during this time of uncertainty.

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