Compare offers from leading insurers
We are processing your request and will send you offers to choose from
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.
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
The CASCO deductible is the amount you cover out of your own pocket when an insured event occurs and a claim is filed. The insurer pays the rest. When choosing a policy, you determine the deductible amount yourself - the smaller it is, the higher the insurance price. Conversely, a larger deductible means a lower policy price. This allows you to tailor the policy to your financial situation.
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.
When choosing CASCO, it's important to know that there are cases when compensation may not be paid. Most commonly, this occurs if the car was driven under the influence of alcohol, required anti-theft devices were not installed, or the car was used improperly, for example, for commercial purposes.
Coverage does not apply to losses that occurred before the policy was purchased or during competitions.
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.
Choose your insurance company and submit a claim without unnecessary hassle
My Agento
