Frequently asked
questions
CITY COMBO
Yes, Our Insurance covers such cases.
Yes, Our Insurance covers losses to Insured Vehicle
Our Insurance covers such losses.
Max speed is always according to state regulations with particular vehicle.
We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal or other object
Our Insurance covers traumas of the Insured person, who got injured while using the insured Vehicle.
Yes, Our Insurance covers such cases.
We shall pay the indemnity to the third party to whom You caused damages while driving Vehicle:
- damages caused to the life or health of a third party;
- damages caused to a third party’s property
Our Insurance covers secret or exposed theft of the Vehicle if it is committed by third parties illegally by:
- entering closed premises with clear signs of burglary– by breaking, mechanically damaging obstacles or breaking the locks installed to restrict the unauthorized access to the premises;
- breaking, mechanically damaging or unlocking safety locks, which the Vehicle is attached with to a stationary object, connected to the ground or a building.
We shall pay the Insurance Indemnity in the event of Accident causing damages to insured Vehicle, i.e. losses caused by crash with another bicycle, vehicle, obstacle, pedestrian, animal, puthole or other object.
HOME
Yes, Property insurance cover is valid for the property that is left at the insurance place during Your vacation.
We will cover during construction and repair works if such works of the insured object don't require a construction permit in accordance with the regulatory enactments of the Republic of Latvia.
It depends on the insurance terms you choose. Concluding insurance contract You can choose deductible amount 0 EUR per claim case, so that for every claim case theare won't be any deduction.
Insurance contract can be made for 1 year and then every year We will give contract renewall.
You can insure all Property by Your self, don't need co-owner written consent.
During the process of concluding Insurance contract we will sugest You Sum insured for Your Apartment or House, if it's will not suit Your requirments You can change it.
! But rebember in case You changes Sum insured theare could be situatation of underinsurance (insured less then real value) or overinsurace (insured more then real value)."
Increased risk in Property insurance would be cases when Your property is uninhabited, build from wood, don't have fire or alarm systems.
Yes, You can insure apartment or house if it is rented out.
JUNIOR
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
You can buy a policy for children up to 17 years of age.
We recommend buying the policy for a year, but you can also buy it for a shorter period.
Junior accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
Yes, any sport played by the Insured is covered.
MTPL
When concluding an insurance contract, You shall inform Us of the purpose of use of Your vehicle. If the vehicle is to be used for personal needs, this shall be a standard risk. The use of the vehicle for the following purposes shall be considered:
- provision of taxi services;
- transportation of passengers or cargo;
- emergency vehicle;
- short-term (up to 6 months) rent or rent with a driver;
- transportation of high-risk cargo;
- teaching to drive.
Please contact with Us by e-mail [email protected] or by calling 82222, and We will provide You with all the necessary information.
Civil liability of Yours and other persons who operate Your vehicle to third parties, i.e. if Your vehicle causes damage to the property, health, life of other persons or violates their legitimate interests otherwise, We shall indemnify this damage to this person on behalf of You.
If You travel in Latvia, You are not obliged to carry insurance documents with You, however, we recommend taking with you when going abroad.
If You use an insured vehicle to travel abroad, You may be issued a Green Card, which confirms that the civil liability of drivers of Your vehicle has been insured and You do not have to purchase a separate compulsory motor insurance in each country you visit.
A Green Card shall be issued together with Your other insurance documents. When traveling abroad, do not forget to print it out –You can do it yourself on a white sheet of A4 paper since 1 July 2020, when new Green Card forms took effect.
In case of a change of the vehicle owner (e.g. having sold a car), You and the new owner shall notify Us immediately, no later than within 15 days from the date of transfer of the vehicle.
Please contact with Us by e-mail [email protected] or by calling 82222, and We will provide You with all the necessary information.
If You have a vehicle registered or intended for registration in Latvia (regardless of whether it is a car, a motorcycle, a tractor, etc.) or You have entered into a leasing (or another similar) agreement on financing the purchase of a vehicle, You shall insure civil liability of Your own or other persons, who will operate Your vehicle.
ACCIDENT
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
Injuries are burns, concussions, damage to ligaments, tendons, soft tissues and internal organs as a result of an accident.
Critical illness is a life-threatening illness, such as an oncological illness, a heart attack, or a stroke. In these cases, a one-time insurance indemnity is paid, which you can use at your own discretion. It can be used for medical expenses, rehabilitation, home remodeling or, for example, retraining to adapt to a new life situation.
Accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
Yes, and it is highly recommended, especially if your job involves a risk of physical injury.
Number of insured persons, age, selected insurance risks and their number, sum insured.
EXTREME
Extreme accident insurance can be used to insure against unforeseen financial losses related to injuries and bone fractures.
In the event of an accident resulting in injury or bone fracture, seek medical advice immediately and follow the doctor's instructions as soon as possible, but no later than 24 hours after the accident.
We recommend buying the policy for a year, but you can also buy it for half a year.
Yes, any sport played by the Insured is covered.