CASCO policy covers a very broad range of risks that may affect your vehicle:

Main Risk Categories:

• Road traffic accidents - collisions with other vehicles (car with another car, car with motorcycle, bicycle, car with public transport, car with specialised equipment), collisions with obstacles (trees, poles, fences, buildings, barriers, road signs, stones, ditches);
• Theft and unlawful actions by third parties - complete theft of the vehicle from the owner's possession, unauthorised use of the car with intent to appropriate it, use of unlawful force or fraud. Also theft of individual car parts (wheels, mirrors, headlights), theft of personal belongings from the car interior, fuel theft from the fuel tank;
• Natural disasters - hail, storm and wind, floods, heavy precipitation, lightning;
• Fire and explosion - Fire spread outside its intended location where fire causes property damage without control, accidental or unexpected combustion process, as well as ignition from nearby cars, houses and waste bins.

Additional Risk Categories:

• Glass damage - glazing insurance is one of the most important elements of a CASCO policy, providing protection against vehicle glass damage. This coverage is particularly relevant in Latvian conditions, where gravel roads and changing weather conditions create a high risk of glass damage. Coverage includes - front windscreen, rear window - with or without heaters, side windows - front and rear door windows, panoramic roof, roof glazing - glass roofs and sunroofs. In most cases, windshield repair is without deductible, so the insurance company pays for its replacement in full.
• Collision with animals - collision with wild animals is one of the most common CASCO cases in Latvia, which can cause considerable financial losses. Even collision with relatively small animals, for example, roe deer, can cause significant financial losses and endanger human health and life. Therefore, a CASCO policy with complete animal coverage is particularly important for drivers who frequently travel through forested areas or country roads;
• Roadside assistance, which most commonly includes car evacuation to the nearest service or designated location, battery charging with jump leads, assistance with tyre change, fuel shortage (delivery of minimal fuel amount);