MTPL insurance is required for participating in traffic
Insurance is provided by
- No requirement to indicate youngest driver and age in the policy.
- The deductible does not have to be covered if the accident happened in Latvia, the responsible person is known and had MTPL.
Choose level of CASCO protection
Silver
- Theft or robbery of the car
- Road and other accidents
- Collision with animal
- Windows damages
- Fire
- 24/7 help
- Full loss
- Vandalism
- Passengers' accidental insurance
- Cars optional equipment
- Natural disasters
Gold
- All covered risks in Silver package
- Theft of keys and fuel mixing
- Damage or theft of personal belongings
- Renewal of number plate
- Rental car
Platinum
- All covered risks in Gold package
- Leasing obligations and decrease market value
- Repair in dealer center also after guaranty end date
Motorcycle CASCO insurance
To make every ride safer, take care of your financial protection by choosing motorcycle insurance:
- MTPL – the mandatory third-party liability insurance that covers damages caused to third parties in a traffic accident.
- CASCO – voluntary insurance that covers damages to your motorcycle, including losses caused by natural disasters, damage to equipment, and theft. Coverage is valid even if your motorcycle is not kept in a locked garage.
Freedom starts with safety. With CASCO insurance, you can enjoy every ride with peace of mind, knowing you have a reliable partner even in unexpected situations.
Choose level of motorcycle CASCO protection
Silver
- Theft, robbery, vandalism
- Road and other accidents
- Collision with an animal or obstacles
- Fire damage
- Full loss
- Natural disasters
- New replacement value
- Insurance of additional equipment (up to 3000 EUR) 24/7 help
- Motorcyclist’s equipment
Gold
- All covered risks in Silver package
- Damage or theft of personal belongings
- Leasing obligations
- Decrease of market value
What to do in case of insured event. Essentials.
- Immediately inform relevant authorities (the police, the fire and rescue service or the manager of the house) about the event.
- Submit an application for indemnity 24/7 on the webpage if.lv or by calling If Insurance at +371 6733 8333.
- Never start repair without the consent of insurer.
Simple and easy steps to proceed
Need to have a consultation about insurance?
Contact support in an emergency case of if you would like to have a consultation about vehicle insurance 24/7 - via phone: +371 6733 8333.
Call +371 6709 4088 (9:00-18:00 working days) - customer support.
More about vehicle insurance
OCTA and KASKO insurance is provided by the If P&C Insurance AS Latvian branch*, represented by the insurance agent AS “SEB banka”.
CASCO related documents:
If CASCO Insurance Terms and Conditions TMH-2023 (PDF, LAT)
Annex A – Rental car and transport expenses TMH-A-20231 (PDF, LAT)
Annex B – Original Value (PDF, LAT)
Annex D – 24/7 Car-help TMH-D-20231 (PDF, LAT)
Annex E – Damage or Theft of Personal Belonging (PDF, LAT)
Annex G – Theft of Keys and Insurance of Unsuitable Gasoline (PDF, LAT)
Accident Insurance Terms and Conditions for Driver and Passengers No. 43.5 (PDF, LAT)
General Insurance Terms and Conditions (PDF)
CASCO Insurance Information Document 202304 (PDF, LAT)
CASCO insurance package cover comparison (PDF, LAT)
CASCO (bike) insurance package cover comparison (PDF, LAT)
Motorcycles CASCO Insurance Information Document 2025/01 (PDF, LAT)
Instruction for taking photos in cases when pictures are needed for CASCO application:
Photo instruction for cars (LAT)
Photo instruction for motorcycles (LAT)
Information about the SEB as a distributor of insurance products (PDF, LAT)
MTPL related documents:
Insurance product documents:
MTPL standard agreement (No. 2025/01) (PDF, LAT)
OCTA international insurance agreement (Green Card) (No. 2024/01) (PDF, LAT)
OCTA border insurance agreement (No. 2024/01) (PDF, LAT)
