Frequently asked
questions
CITY COMBO
Our Insurance covers such losses.
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.
Our Insurance covers traumas of the Insured person, who got injured while using the insured Vehicle.
Max speed is always according to state regulations with particular vehicle.
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.
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
Yes, Our Insurance covers such cases.
Yes, Our Insurance covers losses to Insured Vehicle
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
HOME
Yes, Property insurance cover is valid for the property that is left at the insurance place during Your vacation.
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.
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.
Insurance contract can be made for 1 year and then every year We will give contract renewall.
Yes, You can insure apartment or house if it is rented out.
You can insure all Property by Your self, don't need co-owner written consent.
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)."
Increased risk in Property insurance would be cases when Your property is uninhabited, build from wood, don't have fire or alarm systems.
JUNIOR
You can buy a policy for children up to 17 years of age.
Immediately contact the relevant authority:
- Medical services in the event of an accident or illness.
- The police in the event of theft, robbery, or a road traffic accident.
- The fire and rescue service in case of a fire or similar incident.
Contact us as soon as possible.
Yes, the policy is valid. Any sport is included in the policy coverage.
Junior accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
The insurance is valid worldwide.
Yes, any sport played by the Insured is covered.
These are expenses for improving the child’s well-being after an accident.
The policy can be purchased for a term of no less than 1 month.
MTPL
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.
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.
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.
If You travel in Latvia, You are not obliged to carry insurance documents with You, however, we recommend taking with you when going abroad.
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.
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.
ACCIDENT
A critical illness is a life-threatening condition, such as a heart attack, stroke, or malignant tumor. We pay the insurance benefit up to the sum insured.
Accident insurance can be used to insure against unforeseen financial losses related to medical expenses, injuries and bone fractures.
Yes, and it is highly recommended, especially if your job involves a risk of physical injury.
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.
Injuries resulting from an accident. May include - dental trauma, bone fractures, concussion, body burns and frostbite, eye and ear injuries, ligament and tendon ruptures.
Immediately contact the relevant authority:
- The medical authority in the event of an accident or illness.
- The police in the event of theft, robbery, or a road traffic accident.
- The fire and rescue service in case of a fire or similar accident.
Contact us as soon as possible.
Number of insured persons, age, selected insurance risks and their number, sum insured.
The insurance is valid worldwide.
EXTREME
Immediately contact the relevant authority:
- The medical authority in the event of an accident or illness.
- The police in the event of theft, robbery, or a road traffic accident.
- The fire and rescue service in case of a fire or similar accident.
Contact us as soon as possible.
The insurance is valid worldwide.
Any sport is included in the policy coverage.
The policy can be purchased for a term of no less than 6 months.
Extreme accident insurance can be used to insure against unforeseen financial losses related to injuries and bone fractures.
Travel
Immediately contact the relevant authority:
- The medical authority in the event of an accident or illness.
- The police respond in the event of theft, robbery, or a road traffic accident.
- The fire and rescue service in case of a fire or similar accident.
Contact us as soon as possible.
Yes, expenses for medication will be reimbursed up to 50 EUR.
European health insurance card entitles you only to emergency medical care. Other possible costs, such as transportation to a medical facility, baggage damage, theft of documents, etc., are not covered.