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CASCO is voluntary vehicle insurance that compensates your losses if the car is damaged, stolen, or completely destroyed. CASCO protects your own car - regardless of who was at fault in the incident.
The policy can also include various additional services, for example, glass replacement, roadside assistance, or a rental car during repairs.
MTPL is mandatory civil liability insurance that covers third-party losses if you cause a road traffic accident. CASCO, on the other hand, is voluntary insurance that protects your own car - both in case of accident, as well as theft, vandalism, natural disasters, or other damage.
Each insurance company offers different CASCO coverage, especially regarding additional risks and conditions. Some policies already include, for example, glass damage or roadside assistance, while others charge extra.
That's why it's important to compare offers to choose the most suitable protection.
While driving on the highway, a stone flew from an oncoming car and cracked the windshield. The crack spread across the entire glass and replacement was inevitable. CASCO insurance would cover the windshield replacement and labour, totalling €480.
Returning to the car at a supermarket, the driver noticed someone had crashed into the rear door and fled. The culprit was never found, but CASCO covered the bodywork and painting repair of €1,150.
Due to severe frost, the car would not start in the morning - the battery was damaged and a sensor froze, causing a system error. The car had to be taken to a service centre to replace damaged parts. Total costs reached €320, which CASCO would cover.
During the night, someone attempted to steal the car - a side window was smashed and the dashboard was damaged. The theft failed, but the damage was considerable. CASCO covered the window replacement, interior cleaning, and electronics repair totalling €1,900.
CASCO compensates for various vehicle damages resulting from road traffic accidents, hitting obstacles, rollovers, bodywork or interior damage.
If car repair is not possible or economically justified (total loss), CASCO in this case compensates the full market value of the vehicle.
CASCO covers losses if the car is stolen or its parts are stolen (e.g., mirrors, headlights). Protection also applies in case of robbery.
The deductible is a policy-specified amount that the client covers themselves when an insured event occurs. Typically, the deductible is applied per insured event - the deductible is subtracted from the compensation amount (or paid by the client), and the insurer covers the remaining loss. Choosing a higher deductible can reduce the CASCO policy price, while a lower deductible means greater
In certain cases, CASCO insurance may not provide compensation, for example, if the vehicle was damaged as a result of deliberate actions or if policy conditions were not met. To avoid misunderstandings, it is important to familiarise yourself with the insurance terms and choose suitable coverage for your car.
Basic CASCO coverage
CASCO insurance covers vehicle damage and losses in various situations, including road traffic accidents, natural disasters, theft, or vandalism. Basic coverage provides financial protection against unforeseen expenses related to car repair or restoration.
OCTA is mandatory for every car, while KASKO protects your own vehicle. The table shows the main differences to help you choose the right coverage:
| OCTA | KASKO | Short-term KASKO | |
|---|---|---|---|
| Mandatory? | Yes, required by law | No, voluntary | No, voluntary |
| What it protects | Third-party property and health | Your car | Your car for a limited time |
| Territory | Latvia and EU/EEA countries (wider with a Green Card) | Usually the Baltics or EU, depending on the policy | Depending on the policy |
| Deductible | None | Yes - you choose the amount | Yes |
| How the price is set | Based on risk coefficients | Individual calculation based on car and driver data | Individual calculation |
| Best suited for | All cars - mandatory | Everyday use | A season or a trip |
The KASKO price is always calculated individually - submit an application at the top of this page and we will compare offers from several insurers for your car.
The higher the car's market value, the higher the insured amount and the policy price. For older cars, the availability of spare parts also matters, and for very old cars KASKO may not be available.
The premium is higher for a young or inexperienced driver. Insurers assess the driver's age, experience and previous claims history.
The higher the deductible you choose, the lower the policy price - and vice versa. A separate deductible often applies to glass and theft.
An alarm, immobiliser or tracking system reduces the theft risk and the price. The policy's territory - Latvia, the Baltics or the EU - also affects the price.
Fill out the application form. It will only take a few minutes
We process your request and send you offers to choose from
You can pay for the selected policy using the convenient payment system
After payment, the policy will be sent to your email. Everything is done remotely
A universal KASKO calculator with an instant price does not exist - the KASKO price is always calculated individually, and insurers' calculators show the price of one insurer only. Agento works as a KASKO calculator with comparison: you see several prices, not just one.
The calculation requires only two details - the car's registration number and the registration certificate number, no personal ID code. We will compare prices from several insurers and send you personalised KASKO offers with different deductible and coverage options.
Fill in the application at the top of this page - the comparison is free and without obligation.
Yes, practically always. Leasing companies require a valid KASKO policy for the entire term of the agreement, since the car formally belongs to the leasing company, and the policy usually names the leasing company as the beneficiary. When comparing offers, make sure the coverage meets the lessor's requirements - for example, regarding the deductible amount and territory of coverage.
CASCO usually operates not only in Latvia but also in other countries - most commonly throughout the Baltics (Latvia, Lithuania, Estonia) and the European Union.
Important: The exact territory is always specified in the policy. If you plan to drive outside Latvia, make sure the coverage extends to the chosen country.
For most cars, factory-installed anti-theft systems are sufficient. However, if the car is of high value or is considered a theft risk, the insurer may require additional security, for example, a satellite tracking device or additional alarm system.
Important: Requirements can always be verified before purchasing the policy.
Many KASKO programmes apply a reduced or zero deductible to glass damage - most often for one glass claim per year or when the glass is repaired at the insurer's partner workshop. The exact terms differ between insurers and programmes, so compare them before choosing.
Yes, CASCO can cover damage caused by hail, storms, floods, or other natural disasters if provided for in the policy.
No, CASCO is voluntary insurance, but it provides broader protection than MTPL.
Yes, CASCO can cover damage even when the responsible person cannot be identified, if provided for in the policy terms.
KASKO prices are always calculated individually, so a universal calculator with an instant price does not exist for KASKO - insurers' calculators show the price of one insurer only. Agento works as a KASKO calculator with comparison: submit an application and receive personalised offers from several insurers.
The KASKO price depends on the car's make, model, age and value, the driver's age and experience, the chosen deductible, security systems and the policy's territory of coverage.
KASKO insurance prices in Latvia are individual and start from approximately 300 EUR per year for a small car. For a mid-range vehicle (valued at 10,000 to 25,000 EUR), KASKO typically costs 500 to 1,000 EUR per year. For premium cars (over 50,000 EUR), KASKO can cost 1,500 EUR or more. The exact price depends on the car's make, model, age, driver experience, deductible amount and safety features.
To find the best KASKO offer, it is important to compare prices from multiple insurers. Agento, as an independent insurance broker, compares KASKO offers and helps you choose the best price and terms. KASKO comparison is free and without obligation. Submit an application and receive personalised offers.
KASKO differs from OCTA in that KASKO protects your own vehicle, while OCTA covers third-party damages. Short-term KASKO is also available for trips and seasonal use, as well as KASKO for motorcycles. If an accident occurs, learn how to file a claim. When driving abroad, in addition to KASKO we recommend travel insurance covering medical expenses during the trip.
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