We offer special terms for CASCO insurance:

• A special price offer;
• Possibility to split insurance premium in 12 payments for free;
• The fee for the CASCO insurance policy is included in monthly leasing payment;
• Insurance is valid in Europe without an additional cost.

CASCO insurance will cover the unexpected costs incurred by your car:

• In cases of damage (road accidents, driving in a bump, scratches, collisions with objects, falling objects, damaged caused by other individuals, fires, natural disasters, damage caused by birds or animals);
• In cases of theft or robbery (theft or a robbery of the car or its parts, damaged caused to car from an attempted theft).

CASCO insurance provides comprehensive protection and allows you to feel safe on the road. Choose the most suitable insurance protection for your car – KASKO SILVER or KASKO GOLD.

Comparison of CASCO SILVER and CASCO GOLD

Insurance covers	CASCO SILVER	CASCO GOLD
Theft, robbery Expenses are covered in case of: Theft of a car, including cases when car keys and the car is stolen during a house robbery; Damage caused by unsuccessful theft.
Collisions and other accidents Expenses are covered in case of: Road accidents, driving in a bump or in water; Falling trees, branches or icicles; Hail damage to car glass and body; Animal scratches on car body or interior; Car service, car wash or ferries; Expenses are covered even if the person guilty is not known.
Collision with an animal or an object Expenses are covered in case of a collision with an animal or accidents that happen by trying to evade an animal.
Window damage No deductible when replacing windows at services of If Insurance partners. In other services – deductible 70 EUR; Expenses are covered in case of damage to windshield, side windows and rear windscreen; No limit to replacement of windows.
Vandalism Expenses are covered in case of damage caused by other individuals. For example: Damages to car body; Punctured tires; Stolen mirrors, headlights, etc.
Fire accidents Expenses are covered in case of: Fire; Short circuiting; Smoke and soot; Extinguishing the fire.
24-hour assistance 24/7 consultations and help on the road. For example, if you cannot continue driving because of an accident or any other reason; Tow truck service is provided; Expenses of a taxi after an accident are covered (50 EUR limit); Rental car in case the car cannot be repaired within 24 hours; Accommodation service if the accident has occurred in the territory of Europe and car cannot be repaired within 24 hours (300 EUR limit).
Additional equipment insurance Car accessories worth up to 2000 EUR are insured free of charge. For example, alloy wheels, child seat, bicycle holder, advertisement stickers, etc.
Totalling a car Market value of the car is covered in case it cannot be repaired after an accident. Market value – the sum for which you can purchase the car on the day of the accident.
Natural disasters Coverage of expenses caused by: Hail damage to car glass and body; Storms and floods; Lightning strikes.
Driver and passengers accident insurance After an accident the driver and passengers are: Compensated for medical expenses; Compensated in the event of disability, death or temporary incapacity for work; Provided with home adjustment if it is necessary.
Free replacement car Replacement car for the whole duration of car repair, starting: from the first day of the accident until the end of repair if the car cannot be driven or; if the car is stolen or totalled. Please note! Replacement car will be delivered to you without extra formalities. Types of replacement cars: Small class (A class) – Ford Fiesta, Skoda Fabia, Toyota Yaris, etc. Compact class (B class) – Ford Focus, Seat Leon, Nissan Pulsar, Opel Astra, Toyota Auris, Kia Ceed, etc.	Small class	Compact class
New value insurance In case of theft or totalling the car, an amount equal to the sum paid for the car purchase will be compensated. Please note! New value insurance service is available for cars not older than 2 years with mileage of up to 60 000 km, if the car was purchased by an authorized dealer in the EEA countries and has only been owned or held by the insured or authorized user of the vehicle since the first registration.
Key theft and fuel mixing Keys Expenses caused by losing keys or restoring remote are covered. Limit – 500 EUR. Fuel mixing Expenses caused by mixing fuel are covered. For example, if you fill your car with diesel instead of gasoline. Limit – 500 EUR.
Insurance of luggage Expenses caused by theft of luggage or damage caused to it from accidents are covered. For example, laptop stolen from the car. Limit – 1500 EUR.
Restoration of number plate Restoration of a damaged, lost or stolen number plate or technical passport. The first case of renewal is without deductible.

If you are using financing of SEB līzings and want to receive CASCO insurance offer from If P&C Insurance AS Latvijas filiāle, please contact our partner If Insurance by calling +371 67094088 or write to seb@if.lv.

Your advantages by choosing CASCO from If P&C Insurance AS Latvijas filiāle:

• Unlimited car replacement cover;
• If Insurance cover of If is valid even if your car is on a ferry, in an auto repair service, car wash or being transported;
• No refused or reduced indemnity because of driving over the speed limit, unless it is stated otherwise in CASCO agreement;
• CASCO is valid even if the accident was caused by unintentional violation of traffic rules, for example, running a red light or missing a stop sign;
• No reduced indemnity if your car is stolen and the keys have been stolen from your house (there is evidence of intrusion);
• Seasonal compliance of tires – CASCO is valid even if you have to use the spare wheel during winter;
• No refused or reduced indemnity after collision with an animal in a location where there are traffic signs about the possibility of animals on the road;
• Limit for the transportation of your car after an accident – 5000 EUR;
• We cover the expenses of water damage to engine. The limit is 6000 EUR;
• CASCO insurance covers expenses caused by theft of car keys or mixing fuel.

Before renewing CASCO insurance policy, please verify that it meets the following criteria:

• The sum insured is not less than the market or renewal value of Rental object;
• Insured risks: vehicle damage (road accidents, fires, natural disasters, etc.), robbery, illegal activities of third parties and death;
• SIA “SEB līzings” (registration number 50003334041) is indicated as the beneficiary of the Insurance indemnity, for which insurance indemnity is paid in the amount of unfulfilled leasing/credit obligations upon occurrence of the insured event;
• Deductible is set by you, but it cannot exceed 140 EUR basic deductible for damage and 20% of the insurance sum of Rental object in case of total loss, theft and robbery (vehicles with full weight up to 3500 kg).

Please send your CASCO insurance policy to or deliver it to any SEB branch.

In order to participate in traffic, owner of a car needs Motor Vehicle Owners' Compulsory Third Party Liability Insurance or MTPL.

MTPL insurance will protect the owner of the vehicle or its eligible user from unexpected costs and will compensate for the damage caused to the health, life and/or property of third parties as a result of a road accident. The MTPL insurance policy compensates the injured person for both material loss and non-material damage (moral damage) in accordance with the insurance limits specified in the MTPL Law.

If you are using financing of SEB līzings and want to receive MTPL insurance offer, please contact our partner If Insurance by calling +371 67094088 or write to seb@if.lv.

Special machinery is agricultural, construction, forest or industrial machinery with equipment, primarily used in specially designated areas, including outside of road traffic.

Insurance of special machinery will cover the unexpected costs incurred by machinery:

• Against all risks

or

• Named perils – fire related risks, natural disasters related risks, water damage related risks, 3rd party damage and accidents.

If you are using financing of SEB līzings and would like to receive a Special machinery insurance offer from IF P&C Insurance AS Latvijas filiāle, please contact If support team by calling +371 67094088 or writing to .

Before renewing Special machinery insurance policy, please verify that it meets the following criteria:

• The sum insured is not less than the market or renewal value of Rental object;
• Insured risks: fire, natural disaster damage, water related damage, 3rd party damage and accidents;
• SIA “SEB līzings” (registration number 50003334041) is indicated as the beneficiary of the Insurance indemnity, for which insurance indemnity is paid in the amount of unfulfilled leasing/credit obligations upon occurrence of the insured event;
• Deductible is set by you, but it cannot exceed 350 EUR basic deductible for damage and 20% of the insurance sum of Rental object in case of total loss, theft and robbery.

Please send your Special machinery insurance policy to or deliver it to any SEB branch.