Frequently

asked
questions

SEARCH for an ANSWER

CITY COMBO

IF MY CHILD OR RELATIVE RIDES WITH MY INSURED VEHICLE AND DAMAGES IT, IS IT COVERED BY MY INSURANCE?

Our Insurance covers such losses.

IF THE TIRE BROKE IN A STONE OR SOMETHING SHARP DURING THE RIDE, IS IT COVERED BY THE INSURANCE?

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

IF I BREAK OR DAMAGE MY VEHICLE BY RIDING IN A PIT ON A ROAD, IS IT COVERED BY THE INSURANCE?

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. 

IF MY KID, OR RELATIVE RIDES WITH MY INSURED VEHICLE AND GETS IN THE ACCIDENT, IS IT COVERED BY THE INSURANCE?

Yes, Our Insurance covers losses to Insured Vehicle

IF I FALL OFF THE VEHICLE, GET TRAUMA AND NEED TO BE HOSPITALIZED, IS IT COVERED BY MY CITY COMBO INSURANCE?

Our Insurance covers traumas of the Insured person, who got injured while using the insured Vehicle.

IF I DAMAGE SOMEONE’S PROPERTY WITH MY VEHICLE, IS IT COVERED BY THE INSURANCE?

Yes, Our Insurance covers such cases.

IF MY VEHICLE GETS STOLEN FROM MY YARD, STAIRCASE, HOUSE OR APARTMENT, IS IT COVERED BY THE INSURANCE?

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.
WHAT IS THE MAX SPEED I CAN RIDE MY VEHICLE TO MAKE SURE MY INSURANCE COVERS ANY DAMAGES OR ACCIDENTS?

Max speed is always according to state regulations with particular vehicle.

IF I HIT SOMEONE (PERSON OR ANIMAL) WITH MY VEHICLE, IS IT COVERED BY THE INSURANCE?

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

HOME

HOW CAN I DETERMINE THE VALUE OF MY APARTMENT/HOUSE?

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)."

DOES PROPERTY INSURANCE COVER APPLY WHEN I LEAVE HOME DURING MY VACATION?

Yes, Property insurance cover is valid for the property that is left at the insurance place during Your vacation.

IS PROPERTY INSURANCE COVER VALID DURING CONSTRUCTION AND HOUSING REPAIRS?

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.

WILL DEDUCTION BE APLIED FOR CIVIL LIABILITY CASES?

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.

IS IT POSSIBLE TO CONCLUDE AN INSURANCE CONTRACT FOR MORE THAN 1 YEAR? E.G. LOAN PERIOD?

Insurance contract can be made for 1 year and then every year We will give contract renewall.

IF I AM THE CO-OWNER OF THE PROPERTY, IS THE WRITTEN CONSENT OF THE OTHER CO-OWNER REQUIRED FOR A PROPERTY INSURANCE CONTRACT?

You can insure all Property by Your self, don't need co-owner written consent.

WHAT IS THE INCREASED RISK IN THE CASE OF PROPERTY INSURANCE?

Increased risk in Property insurance would be cases when Your property is  uninhabited, build from wood, don't have fire or alarm systems.

CAN I INSURE A RENTED APARTMENT?

Yes, You can insure apartment or house if it is rented out.

JUNIOR

WHAT IS COVERED BY JUNIOR ACCIDENT INSURANCE?

Junior accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.

CAN YOU PURCHASE A POLICY FOR A TERM LESS THAN ONE YEAR?

We recommend buying the policy for a year, but you can also buy it for a shorter period.

UP TO WHAT AGE CAN I PURCHASE A JUNIOR ACCIDENT POLICY?

Yes, any sport played by the Insured is covered.

WHAT TO DO IN THE EVENT OF AN 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.

IS THE POLICY VALID FOR SPORT?

Yes, any sport played by the Insured is covered.

ACCIDENT

WHAT IS A CRITICAL ILLNESS AND WHAT KIND OF REWARD CAN I GET?

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.

WHAT EXACTLY IS CONSIDERED INJURY?

Injuries are burns, concussions, damage to ligaments, tendons, soft tissues and internal organs as a result of an accident.

WHAT IS COVERED BY ACCIDENT INSURANCE?

Accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.

WHAT TO DO IN THE EVENT OF AN 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.

WHAT IS THE PRICE OF AN INSURANCE POLICY?

Number of insured persons, age, selected insurance risks and their number, sum insured.

CAN I BE INSURED BY MY EMPLOYER?

Yes, and it is highly recommended, especially if your job involves a risk of physical injury.

EXTREME

WHAT TO DO IN THE EVENT OF AN 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.

WHAT IS COVERED BY JEXTRENE ACCIDENT INSURANCE?

Extreme accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.

CAN YOU PURCHASE A POLICY FOR A TERM LESS THAN ONE YEAR?

We recommend buying the policy for a year, but you can also buy it for half a year.

WHAT TO DO IN THE EVENT OF AN 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.

IS THE POLICY VALID FOR SPORT?

Yes, any sport played by the Insured is covered.

still got

questions?

contact us now! We are here to help you!