Comprehensive vehicle insurance

What is comprehensive vehicle insurance?

Comprehensive vehicle insurance comprises:

  1. Vehicle CASCO insurance.
  2. Personal accident involved in a traffic accident insurance.
  3. Roadside assistance insurance.
  4. Voluntary third party motor liability insurance.

What are the advantages of ERGO?

  • You receive full and reliable coverage;
  • In case of accident while traveling, ERGO undertakings across Europe will provide assistance to you.
  • ERGO LIETUVA renders extra service, which is particularly convenient for the policyholders – administration of insurance events twenty four hours per day. The customers of ERGO LIETUVA as well as the aggrieved parties can submit information about the insurance events and receive necessary help 24 hours per day by calling 1887.

What is eligible for the coverage?

Land vehicles, registered with the state register, except for the rail vehicles, can be covered with insurance.

What is the insured event?

In case of vehicle CASCO insurance, ERGO LIETUVA will make restitution for:

  • vehicle damage, caused by any mechanical force;
  • fire or explosion;
  • theft and breaking in.

Upon purchase of voluntary third party motor liability insurance, compensation will be paid for damage caused by you to the third party's health, property or vehicles, if such damage is in excess of amounts covered under compulsory third party motor liability insurance of vehicle owners and possessors. Compensation is due not only for property damage, but also for non-property damage (such as physical pain suffered, shock, impairment of communication abilities, etc.).

You and your passengers will be reimbursed for damage owing to the following misfortunes:

  • accidental death;
  • disability;
  • temporary disablement or bodily injuries.

What are the premium amounts?

  • Vehicle CASCO insurance: annual premiums will depend on the vehicle's make and model, value of the vehicle’s technical parameters, vehicle’s risk class, and insurance risk selected by you.
  • Personal accident involved in a traffic accident insurance: annual premiums for cars are 75 LTL and more depending on the sum insured. 
  • Roadside assistance insurance: premium is 55 LTL and more depending on the territory of insurance coverage and the sum insured. 
  • Voluntary third party motor insurance: annual premium amounts are based on the make of a vehicle and its engine piston displacement and vary from 15 LTL.

Where the coverage is effective?

  • Roadside assistance insurance is valid in Lithuania and many other European countries (see Vehicle CASCO insurance) 
  • Voluntary third party motor liability insurance is valid in Lithuania; 
  • Vehicle CASCO insurance and personal accident involved in a traffic accident insurance are valid in Europe.