Comprehensive car insurance

Casco insurance

With Casco insurance, we offer the best insurance cover with the most choices, guaranteeing safety and convenience. Comprehensive insurance is a carefree solution without confusing restrictions.

The extensive insurance cover includes your pet, among other things.
Evaluate your risk and insurance premium and structure your insurance excess.
Fair, prompt and transparent claims handling
LHV roadside assistance 24/7

We value our customers’ loyalty and good risk behaviour. If you have insured your car with LHV Insurance for at least two consecutive years and have not had any loss events during this time, we will apply 50% smaller excess than indicated in your insurance contract to the next loss event.

Comprehensive car insurance packages

You can choose between three packages, one of which (Green Casco) is designed for electric and plug-in hybrid vehicles.

Packages	Super Casco	Mega Casco	Green Casco
All-risk insurance Insured event is unexpected and unforeseeable damage, disappearance or destruction of the vehicle, not including the exclusions listed in Terms and Conditions. Eg. traffic accident, went off road, reversing into a tree, collision with a wild animal, damage of the windshield, natural disaster, vandalism, theft, fire and so on.
Roadside assistance cover We provide first aid for cars and vans with a maximum permissible mass of up to 3,500 kg and motorcycles if, as a result of an unexpected and unforeseen event, it is impossible to use or continue driving the vehicle.
New value cover In the event of the destruction of a vehicle up to one year old, we will indemnify its purchase price based on the purchase document.	for an extra fee	1 year	1 year
Leasing value cover In the event of the total destruction of a vehicle up to five years old, we will indemnify the residual value of the vehicle according to the leasing contract in an amount of up to 50,000 euros.	for an extra fee	50,000 €	50,000 €
Leasing payment cover We will indemnify up to six months’ leasing payments in an amount of up to 3,000 euros.	for an extra fee	3,000 €	3,000 €
Trailer cover We will indemnify damage sustained by an O1 or O2 category trailer if the trailer was coupled to the insured vehicle at the time of the accident.	for an extra fee	1,500 €	1,500 €
Replacement vehicle cover We offer a replacement vehicle if the insured vehicle is not permitted to be used or it is objectively impossible to use in road traffic.	for an extra fee	30 days	30 days
Technical failure cover We will indemnify unexpected and unforeseen failure of the engine, engine cooling system, engine control electronics, transmission, transmission cooling system, transmission control electronics or brake and steering system of a vehicle up to seven years old if the vehicle has travelled up to 150,000 km.		150,000 km	150,000 km
Vehicle replacement cost In case of total destruction of the vehicle, we will indemnify its replacement or substitution costs by adding 5% to the insurance indemnity.		5 %	5 %
Pet cover We will indemnify for loss arising from the injury or death of up to two pets in the vehicle caused by a road accident.		2,000 €	2,000 €
Charging station cover We will indemnify costs related to damage, loss or destruction of the vehicle’s charging station.			2,000 €

Additional options	Choose an addition
Luggage insurance We will indemnify for loss caused by damage to or destruction of personal belongings (luggage) of the owner of the vehicle and passengers in the vehicle.
Passenger accident Permanent incapacity for work or death of up to five passengers in the vehicle caused directly by personal injury resulting from the insured event.

Calculate the price

Important information

The insured vehicle in normal use must not be used as a rental vehicle or a taxi; for car-sharing services; or as a training, emergency, courier or security patrol vehicle. If you want to provide such services with your vehicle, indicate the relevant use in the insurance contract.

Before signing the insurance contract, you must inform LHV Insurance of any damage to the vehicle and, when signing the contract, confirm that the vehicle has no damage that is not known to us.

As a minimum requirement, the vehicle must be fitted with an appropriate immobiliser and, in certain cases as requested by us, an additional anti-theft device (alarm or tracking device).

Inform LHV Insurance of any potential increase in the insured risk at the earliest opportunity. An increase in the insured risk is, for example, sale of the vehicle to a new owner, a change in the use of the vehicle, conversion or tuning of the vehicle, or loss of the vehicle keys.

Excess

Excess is the part of the loss agreed in the insurance contract that will not be indemnified by LHV. Excess can be defined as a percentage of the amount of loss or as a fixed amount – the higher the excess, the lower the insurance premium. The standard excess is 300 euros.

Assess your risk level and choose a higher excess to save on insurance premiums.

You can choose the following excess rates for Casco insurance.

	Minimum	Standard	Maximum
General excess	100 euros	300 euros	10 000 euros
Theft	100 euros	300 euros	50%
Windshield damage	0 euros	10%	General excess
Collision with an animal	0 euros	General excess	General excess
Total destruction	100 euros	300 euros	10 000 euros

Documents and additional information

Frequently asked question

Got any more questions

Request a reminder and we will make you a new offer before the end of the current insurance coverage.

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Ask for advice

Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee

Report a claim

Call us at 680 1122 or email us at kahjud@lhv.ee

Roadside assistance

To call roadside assistance, call 680 1122 any time, 24 hours a day

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