Midsummer, known in Latvia as Ligo and Jani, is one of the most anticipated celebrations of the year. Bonfires, cheese and beer, swimming, dancing until sunrise and spending the night out in nature are all part of the tradition. Yet it's exactly this free and relaxed atmosphere that increases the chance of getting injured or having an accident.

Most people don't think about insurance during Midsummer. Still, a little preparation can make a real difference to how calmly the celebration goes. Accident insurance is one of the simplest ways to look after yourself and those close to you at a time when the risks are higher than usual.

Which risks rise during Midsummer

The festive mood, the late hour and often alcohol as well mean that attention slips and accidents happen more easily. Some risks are tied directly to Midsummer traditions, others simply to being outdoors in nature. Knowing what can happen makes it easier to avoid.

The most common risks people face during Ligo:

  • burns and injuries while tending the bonfire or jumping over it
  • falls and sprains in the dark on uneven ground
  • accidents in the water, swimming at night or after drinking
  • cuts and bruises while preparing food or stacking firewood
  • traffic accidents on the way home from the celebration
  • insect bites and allergic reactions

Many of these situations end with a minor scratch, but some require a doctor or even a longer recovery. This is exactly where accident insurance comes in, helping cover the costs if an injury does happen.

What an accident policy usually covers:

  • treatment and medication costs after an injury
  • payouts for injuries, fractures and burns according to the policy terms
  • compensation in case of temporary inability to work
  • support in case of more serious consequences, such as disability

If children take part in the celebration, it's worth considering a separate accident insurance for children, since around the fire and out in nature they are often even less careful than adults.

How to prepare for a safe celebration

Safety at Midsummer starts with simple habits. Build the bonfire at a safe distance from trees and buildings, keep water or sand nearby, and never leave it unattended. Swim only in daylight and with a clear head, and after the celebration it's better not to get behind the wheel, choosing instead an agreed ride or staying overnight on the spot.

If the celebration takes place away from home, for example at a campsite, in the countryside or in another town, it's worth thinking about cover that also works while travelling. In that case, solutions built for active recreation trips are useful, because they include help even when the accident happens far from home.

Insurance of course doesn't prevent an accident, but it softens the consequences and lets you focus on recovery rather than bills. It's worth arranging a policy in advance so that you no longer have to think about it on the day of the celebration.

If you aren't sure which cover suits you best, an insurance broker can explain the terms of different policies and help you choose a solution that matches your needs and budget. Get in touch for a consultation today and celebrate Midsummer safely, knowing you are protected.

Frequently Asked Questions

Does accident insurance cover injuries during Midsummer? Yes, if the policy is active when the accident happens, it usually covers injuries whether they occur during a celebration or in everyday life. The exact terms and exclusions are set out in the policy.
Does the insurance work if the accident happens under the influence of alcohol? Many policies include exclusions for situations linked to alcohol or substance use. It is best to check this condition in the policy before buying it.
How quickly can accident insurance be arranged before Midsummer? In many cases a policy can be arranged quickly, even on the same day. It is best to do it in advance so the cover is active during the celebration.
Does the policy also cover injuries to children during the holiday? Children can be insured with a separate accident policy for children. It is designed for the everyday and leisure risks children face, including activities in nature.
Does accident insurance cover treatment if I celebrate Midsummer abroad? That depends on the type of policy. When travelling outside Latvia, travel or active recreation insurance that covers medical costs abroad can be useful as well.