Casco insurance
Unpleasant accidents on the road happen to everyone, i.e. both distracted and disciplined drivers. Casco insurance is designed to protect your car in cases of the most pressing risks: theft, traffic accidents, forces of nature, collision with an animal or other unexpected events.
Casco insurance
for safer and more comfortable travels by car
On city streets, during trips or in bad weather conditions, unexpected problems can derail a car at any time. Casco insurance is not only for the car, but also for your safety and the safety of your passengers. Take care of casco insurance today and be sure that our help is always at hand.
We will compensate damage to your car
In case of occurrence of an accident, such as a broken glass or damage to the car, we will cover the incurred losses.
We will you provide immediate road assistance
We will ensure that you get comprehensive technical support on the road 24/7
We will adapt to your needs
Choose casco insurance offer and price by telephone or at ERGO customer service units
Price of casco insurance and personalised offer for you
What is covered by casco insurance?
All insured events
In case of occurrence of an unexpected event, casco insurance will cover against the following risks:
- Fire
- Forces of nature
- Traffic accidents
- Collision with an animal
- Unlawful acts by third parties
- Theft, robbery
- Broken or damaged windscreens
- Other risks
Fire
In case of fire, coverage is valid against fire or explosion when caused by causes beyond the control of the policyholder.
Forces of nature
In case of forces of nature, coverage is valid against any damage to or destruction of the vehicle caused by natural phenomena such as storm, downpour, hail, flood, landslide, snow pressure etc.
Traffic accident
In case of a traffic accident, coverage is valid against an accident on a road, public or private property, resulting in death or injury to persons or damage to at least one vehicle, cargo, the road, its structures or any other property at the scene of the accident.
Collision with an animal
In case of a collision with an animal, coverage is valid against a traffic accident where the insured vehicle is damaged as a result of collision with a domestic or wild animals.
Unlawful actions of third parties
In case of unlawful actions of third parties, coverage is valid against any direct damage to or destruction of the insured vehicle caused by the unlawful actions of third parties, provided it is not theft or robbery.
Theft and robbery
In case of a theft or robbery, coverage is valid against dispossession of another’s property, as well as dispossession using physical violence or threats to use it immediately or otherwise depriving the victim of the opportunity to resist.
Broken or damaged windscreens
In case of broken or damaged windscreens, coverage is valid against any sudden and unexpected accident in which only the glass of the vehicle is damaged by external forces and no other parts of the vehicle are damaged.
Other risks
In case of other risks, coverage is valid against other incidents where the vehicle is damaged, destroyed or stolen due to external forces. Not valid for the non-insured events referred to in the terms and conditions.
What is covered by casco insurance?
In case of occurrence of an unexpected event, casco insurance will cover against the following risks:
- Fire
- Forces of nature
- Traffic accidents
- Collision with an animal
- Unlawful acts by third parties
- Theft, robbery
- Broken or damaged windscreens
- Other risks
In case of fire, coverage is valid against fire or explosion when caused by causes beyond the control of the policyholder.
In case of forces of nature, coverage is valid against any damage to or destruction of the vehicle caused by natural phenomena such as storm, downpour, hail, flood, landslide, snow pressure etc.
In case of a traffic accident, coverage is valid against an accident on a road, public or private property, resulting in death or injury to persons or damage to at least one vehicle, cargo, the road, its structures or any other property at the scene of the accident.
In case of a collision with an animal, coverage is valid against a traffic accident where the insured vehicle is damaged as a result of collision with a domestic or wild animals.
In case of unlawful actions of third parties, coverage is valid against any direct damage to or destruction of the insured vehicle caused by the unlawful actions of third parties, provided it is not theft or robbery.
In case of a theft or robbery, coverage is valid against dispossession of another’s property, as well as dispossession using physical violence or threats to use it immediately or otherwise depriving the victim of the opportunity to resist.
In case of broken or damaged windscreens, coverage is valid against any sudden and unexpected accident in which only the glass of the vehicle is damaged by external forces and no other parts of the vehicle are damaged.
In case of other risks, coverage is valid against other incidents where the vehicle is damaged, destroyed or stolen due to external forces. Not valid for the non-insured events referred to in the terms and conditions.
What can we cover additionally?
Accident insurance
is valid when insuring the driver and passengers against the risk of accidents on the road, i.e. death and disability.
Road assistance insurance
is valid:
- for transport services following an accident, breakdown or driver’s health problem;
- when covering fuel delivery, assistance at the scene of the accident, extension/return costs or accommodation;
- for other events specified in the insurance terms and conditions.
Replacement car
is valid together with road assistance insurance in the event of an accident, a replacement car is provided under the conditions set out in the insurance terms and conditions.
Insurance against damage to the property of others
If you have chosen this insurance, we will pay the costs incurred by an injured third party as a result of damage to him/her or to his/her property during an insured event, up to the sum insured specified in the insurance contract, when:
- damage is caused in an accident to a car trailer being towed by a car when the trailer is not owned by you;
- damage caused to a charging station while charging an insured electric car connected to it;
- damage caused to a car temporarily provided to you to drive, which is not specified in the insurance contract.
Temporary car rental insurance
If you have chosen this insurance and your insured car cannot be used temporarily, we will pay the cost of hiring another car. The rental period will be based on the duration of the repair but will not exceed the rental period specified in the insurance contract.
Personal belongings insurance
If you choose this insurance, we will reimburse incurred losses or damage to the personal belongings of drivers and passengers that were in the insured car. In the case of a theft and robbery, we will only pay for lost items if they were kept in a locked car. We will pay up to the sum insured specified in the contract and the value of the lost or damaged belongings.
Rented car deductible insurance
If you have chosen this insurance, we will pay the amount of the deductible if you cause damage to the rented car and have to reimburse the applicable deductible.
What can we cover additionally?
is valid when insuring the driver and passengers against the risk of accidents on the road, i.e. death and disability.
is valid:
- for transport services following an accident, breakdown or driver’s health problem;
- when covering fuel delivery, assistance at the scene of the accident, extension/return costs or accommodation;
- for other events specified in the insurance terms and conditions.
is valid together with road assistance insurance in the event of an accident, a replacement car is provided under the conditions set out in the insurance terms and conditions.
If you have chosen this insurance, we will pay the costs incurred by an injured third party as a result of damage to him/her or to his/her property during an insured event, up to the sum insured specified in the insurance contract, when:
- damage is caused in an accident to a car trailer being towed by a car when the trailer is not owned by you;
- damage caused to a charging station while charging an insured electric car connected to it;
- damage caused to a car temporarily provided to you to drive, which is not specified in the insurance contract.
If you have chosen this insurance and your insured car cannot be used temporarily, we will pay the cost of hiring another car. The rental period will be based on the duration of the repair but will not exceed the rental period specified in the insurance contract.
If you choose this insurance, we will reimburse incurred losses or damage to the personal belongings of drivers and passengers that were in the insured car. In the case of a theft and robbery, we will only pay for lost items if they were kept in a locked car. We will pay up to the sum insured specified in the contract and the value of the lost or damaged belongings.
If you have chosen this insurance, we will pay the amount of the deductible if you cause damage to the rented car and have to reimburse the applicable deductible.
Casco insurance and
road assistance
While on a short city trip or a longer journey, an unexpected car breakdown or car accident can disrupt your plans. Feel safe – we are here to solve the problem from the first minute and get you back on the road as soon as possible.
Why to choose ERGO insurance?
We care about your safety - all-risk casco insurance protects your car against sudden and unexpected events
Avoid the inconvenience of car repairs - if the repair takes longer than 24 hours, we will provide you with a replacement car
You will get road assitance 24 hours a day - if needed, we will cover the cost of car repair or deliver lost keys
We care about you and your passengers - we will cover everyone travelling together against accidents
Related products
Motor TPL insurance
Accident insurance
Frequently asked questions about casco insurance
This is motor insurance that protects against all unexpected and unforeseeable events in which a vehicle is damaged, destroyed or stolen, except in the case of non-contingent events, as defined by the rules of motor insurance.
By taking out casco insurance, you can protect your vehicle against a wide range of accidents that can cause financial losses. If your car is damaged, we will reimburse you for the cost of repairs. If your car is stolen, we'll reimburse you for the cost of buying an identical car. If your car breaks down on the road, we'll arrange immediate technical assistance and pay for your onward travel or hotel costs. We will provide a free replacement car in the cases set out in the terms. We will take care of the safety of your passengers by insuring drivers and passengers against accidents on the road. We will provide a free replacement car in all cases. Detailed procedures for assessing damages and calculating benefits are set out in the insurance rules.
The cost of casco depends on many different factors, so please contact an ERGO insurance consultant or call 1887 to find out how much CASCO insurance costs for your car.
Yes, you can pay in instalments. Choose how you prefer - payment for month, half-year or full-year.
If you have road assistance insurance contract, which includes a replacement car, it will be provided if the repair of your car takes longer than 24 hours.
The standard terms and conditions of the insurance provide that non-manufactured equipment installed permanently is covered up to a value of 600 €. If the equipment is more expensive, it would need to be insured additionally.
Yes, casco insurance covers tyre damage.
Casco insurance covers you in Europe (except for Russia and Belarus), unless specified differently in the insurance contract.
Glass replacement is subject to the deductible provided for in the insurance contract. Glass repairs are not usually subject to a deductible.
Yes, if you have taken out an All Risks CASCO insurance contract or if you have chosen the option "Collision with another vehicle or animal"
The deductible is the amount of the loss that must be paid by the policyholder in the event of an accident. Or, in other words, the part of the loss that is not covered by the insurance company. It applies to every event, except in cases where the deductible does not apply, as provided for in the insurance rules.
Casco insurance covers cars that are up to 17 years old.
Please report the incident immediately online at here or by calling 1887 (from abroad +370 5 2683222).
Each insured event must be reported within 7 calendar days. Theft of an insured vehicle must be reported within 48 hours.
Casco insurance terms and conditions
Expired
ERGO Transporto priemonių draudimo taisyklės Nr. 030SP.pdf
Valid for contracts issued until 2023-04-21
Transporto priemonių KASKO draudimo taisyklės.pdf
Valid for contracts issued until 2019-02-28
Transporto priemonių KASKO draudimo taisyklės.pdf
Valid for contracts issued until 2014-07-31
Transporto priemonių KASKO draudimo taisyklės.pdf
Valid for contracts issued until 2013-05-31
