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CITY COMBO

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

Yes, Our Insurance covers such cases.

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

Our Insurance covers such losses.

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 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 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 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
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.
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, puthole or other object.

HOME

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.

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)."

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 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.

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

You can buy a policy for children under 14 years of age.

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.

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.

IS THE POLICY VALID FOR SPORT?

Yes, any sport played by the Insured is covered.

MTPL

WHAT DOES AN INCREASED RISK MEAN?

When concluding an insurance contract, You shall inform Us of the purpose of use of Your vehicle. If the vehicle is to be used for personal needs, this shall be a standard risk. The use of the vehicle for the following purposes shall be considered:

  • provision of taxi services;
  • transportation of passengers or cargo;
  • emergency vehicle;
  • short-term (up to 6 months) rent or rent with a driver;
  • transportation of high-risk cargo;
  • teaching to drive.

Please contact with Us by e-mail balcia@balcia.lv or by calling 82222, and We will provide You with all the necessary information.

WHAT IS COVEDED UNDER COMPULSORY MOTOR INSURANCE?

Civil liability of Yours and other persons who operate Your vehicle to third parties, i.e. if Your vehicle causes damage to the property, health, life of other persons or violates their legitimate interests otherwise, We shall indemnify this damage to this person on behalf of You.

DO I HAVE TO CARRY INSURANCE DOCUMENTS WITH ME?

If You travel in Latvia, You are not obliged to carry insurance documents with You, however, we recommend taking with you when going abroad.

WHAT IS A GREEN CARD AND HOW CAN I GET IT?

If You use an insured vehicle to travel abroad, You may be issued a Green Card, which confirms that the civil liability of drivers of Your vehicle has been insured and You do not have to purchase a separate compulsory motor insurance in each country you visit.

A Green Card shall be issued together with Your other insurance documents. When traveling abroad, do not forget to print it out –You can do it yourself on a white sheet of A4 paper since 1 July 2020, when new Green Card forms took effect.

DO I NEED TO NOTIFY THAT INSURER IN CASE OF A CHANGE OF THE VEHICLE OWNER?

In case of a change of the vehicle owner (e.g. having sold a car), You and the new owner shall notify Us immediately, no later than within 15 days from the date of transfer of the vehicle.

Please contact with Us by e-mail balcia@balcia.lv or by calling 82222, and We will provide You with all the necessary information.

WHO SHOULD PURCHASE THE COMPULSORY CIVIL VEHICLE INSURANCE?

If You have a vehicle registered or intended for registration in Latvia (regardless of whether it is a car, a motorcycle, a tractor, etc.) or You have entered into a leasing (or another similar) agreement on financing the purchase of a vehicle, You shall insure civil liability of Your own or other persons, who will operate Your vehicle.

ACCIDENT

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 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 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 IS COVERED BY ACCIDENT INSURANCE?

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

CAN I BE INSURED BY MY EMPLOYER?

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

HOW THE POLICY PRICE FORMS?

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

EXTREME

WHAT IS COVERED BY EXTRENE ACCIDENT INSURANCE?

Extreme accident insurance can be used to insure against unforeseen financial losses related to 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.

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.

IS THE POLICY VALID FOR SPORT?

Yes, any sport played by the Insured is covered.

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