OCTA, the mandatory civil liability insurance, is a requirement for every vehicle owner in Latvia. However, many drivers are unaware that standard OCTA only covers losses caused to third parties and does not protect the driver or their own vehicle. This is where OCTA Plus comes in, offering extended protection for a relatively small additional premium.

OCTA Plus is a bundle of supplementary services that can be added to a standard OCTA policy. It is not a separate type of insurance but rather an extension that gives the driver extra security and convenience in everyday driving. With OCTA Plus, you receive protection that approaches KASKO level but at a considerably lower price.

What OCTA Plus includes and how it differs from standard OCTA

Standard OCTA covers only losses caused to third parties. If you cause an accident, your insurer will compensate the injured party, but repairs to your own car and your personal injuries remain uncovered. OCTA Plus fills this gap by offering supplementary coverage that can include several important components.

First, many OCTA Plus programmes include accident coverage for the driver and passengers. If the driver or passengers are injured in an incident, the policy provides a payout for injuries, medical expenses or, in more serious cases, disability. This coverage applies regardless of who was at fault.

Second, OCTA Plus often includes roadside assistance. If the car breaks down, the battery dies or another technical issue arises, the insurer provides on-site help or towing to the nearest service centre. This service can be especially valuable on longer trips or in adverse weather conditions.

Third, some programmes also offer windscreen coverage. A stone chip or crack in the windshield is one of the most common problems drivers face. OCTA Plus can cover windscreen repair or replacement without the need to purchase a full KASKO policy.

Compared with KASKO insurance, OCTA Plus is a significantly more affordable alternative that provides essential supplementary protection. KASKO covers a wider range of risks, including damage to your own vehicle in any situation, but OCTA Plus is a good compromise for those who want more than standard OCTA without committing to a full KASKO policy.

Who should choose OCTA Plus and how to arrange it

OCTA Plus is suitable for a wide range of drivers. It is particularly useful for those who drive daily in city traffic, where minor incidents are relatively common. It is also a good solution for owners of older vehicles where a KASKO purchase is no longer economically justified but who still want to maintain additional protection.

For new drivers, OCTA Plus can also be a good starting point, supplementing the mandatory OCTA with valuable additional guarantees. Driver and passenger coverage and roadside assistance are services that provide a real sense of security and can save significant sums in an unexpected situation.

Arranging OCTA Plus is simple and fast. The supplementary services can be added to a standard OCTA policy online using the OCTA calculator, where you can compare offers from several insurers and choose the most favourable option with OCTA Plus included.

Beyond OCTA Plus, it is also worth thinking about personal protection outside the car. Accident insurance provides financial support in case of injury, whether the incident happens in traffic or elsewhere.

To find the best OCTA Plus offer, get in touch with the Agento team. We will compare offers from multiple insurers and help you choose a policy that delivers optimal protection at the best price. Book your free consultation today!

Frequently Asked Questions

What is OCTA Plus and how does it differ from standard OCTA? OCTA Plus is a bundle of supplementary services added to a standard OCTA policy. It can include driver and passenger accident coverage, roadside assistance and windscreen protection. Standard OCTA only covers losses caused to third parties.
Does OCTA Plus replace KASKO insurance? No, OCTA Plus is not a KASKO replacement. It offers selected supplementary coverages but does not cover the full range of vehicle damage risks the way KASKO does. However, OCTA Plus is a good compromise for those who want more protection than standard OCTA but are not ready to purchase KASKO.
How much does OCTA Plus cost? OCTA Plus is a relatively small additional premium on top of standard OCTA. The exact price depends on the insurer and the range of supplementary services chosen. Compare offers with the help of a broker.
Does OCTA Plus include roadside assistance? Yes, many OCTA Plus programmes include roadside assistance, such as towing, battery jump-start or help with a tyre change. The specific range of services may vary between insurers.
Are Agento broker services free of charge? Yes, Agento broker services are completely free for the client. The broker receives compensation from the insurer. You only pay for the policy itself.