Frequently asked questions

MTPL, or Mandatory Third-Party Liability Insurance, is compulsory for all motorized vehicles participating in road traffic. This means that if you are the owner of a car, electric car, or motorcycle, you need it.

The primary purpose of MTPL insurance is to protect other road traffic participants. For example, if you happen to cause a road traffic accident, MTPL insurance will cover the damages to other people or their property. This means that in cases where you damage someone else's car or cause harm to a person's health, MTPL will help cover these losses. However, if your own car is also damaged in an accident you caused, MTPL will not cover these costs — in that case, Balcia comprehensive (CASCO) insurance will come in handy.

An MTPL policy is required for all car owners in Latvia who wish to participate in road traffic. It ensures that in the event of a road traffic accident, the damages you have caused to other people, their property, or health will be covered. By purchasing MTPL, you insure your liability, not your car. On the other hand, CASCO is voluntary land vehicle insurance that will protect your car from unexpected expenses in the event of damage, robbery, or theft. With CASCO insurance, an unexpected dent on the side, a hole in a tire, or a stone hitting your windshield will be just a minor hiccup in life, without threatening your budget!

You have several options. The first and most convenient is to purchase and pay for your MTPL policy in the Balcia mobile app. To calculate the MTPL policy price, you will need to enter the following data:

• vehicle registration certificate number;
• personal details or registration number, or vehicle technical passport number.

In just a few seconds, our MTPL calculator will offer the best price specifically for you! The second option is to purchase an MTPL insurance policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase an MTPL policy from our cooperation partners.

Yes and no! After you receive the best MTPL policy price, you will be able to choose — to pay immediately or split it into several payments. We offer a payment subscription, dividing the payment into up to 12 separate installments, with no additional charge for this. Meanwhile, you can choose the MTPL insurance period for one, three, six, nine, or twelve months! Regardless of the chosen period and the number of payments, the price will remain the same and will not affect the policy coverage in any way.

When traveling abroad with your car, we recommend taking a printed version of your MTPL policy with you, just to be safe. Although MTPL is available and visible electronically, in some countries you may still be required to present it in paper format. Before hitting the road, don't forget about CASCO insurance either, which includes both roadside assistance by dispatching a local mechanic, and compensation for losses in case of any technical problems or an accident.

The easiest way to keep track of your MTPL policy term is through our mobile app in the "Policies" section, where you will see all your active and inactive insurance policies. The app will also show you how long your MTPL policy is still valid. If you purchased your policy on the website or through our consultant, you will find the policy term in the contract. If you are still unsure, feel free to call 82222, and our team will help you understand your policy terms! You can also check your MTPL policy on the LTAB (Motor Insurers' Bureau of Latvia) website.

If you have caused a road traffic accident, stay calm and follow these steps:

1. Assess the situation! If there are injured persons or any other significant damage to vehicles or property, immediately call the emergency services at 112 and explain what happened and where. Try to speak clearly, providing accurate information that will help the emergency services respond as quickly and precisely as possible. The emergency service representative will also explain what actions to take while you wait for help.
2. While waiting for help, note down the contact information of any eyewitnesses and photograph the accident scene and the resulting damage, which will be useful for further processing of the insurance claim!
3. Contact us by calling 82222 so that we are informed about the case and can help with advice on the next steps!

If no person has been injured and no significant damage to property has been caused, and only two vehicles are involved (yours and the other person's), then there is no need for emergency services involvement, but you must fill out a Joint Accident Statement together with the other party involved.

If only two cars are involved in the accident, no evacuation is needed, there are no injured persons, and no third party's property has been damaged, you can fill out a Joint Accident Statement together with the other party involved. It can be completed either in paper form (if you or the other person has a printed copy on hand) or digitally, using the LTAB MTPL app. To fill out the statement in the mobile app, both parties involved need to download it.

With us, it's easier than finding your car keys in your bag! You can choose the most suitable option for you:

• The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select the relevant policy, indicate whether you are the at-fault or the injured party, and submit your claim!
• On the Balcia website, you can file a claim by going to the "Claims" section — select the MTPL product and fill out the form!
• You can also file a claim by calling our amazing customer service specialists at 82222.
• Contact your insurance broker, who will help initiate and handle the insurance claims process!

To file a claim through the app or website, you need to fill in information about the accident — date, time, address, as well as indicate the type of incident and the parties involved! When filing a claim, you also need to briefly describe the circumstances of the accident, which you can do either in writing or by recording a voice message (app only).

In the event of an insurance incident, call +371 20682222 at any time of the day or night. Our specialists will help assess the situation and provide guidance on further actions so that you can get back on the road as soon as possible! But remember — if there are injured persons in the accident, emergency medical assistance must be called immediately!

MTPL insurance covers risks related to damages that you or someone else, while driving your vehicle, have caused to another person's car, property, or health. For example, if you have accidentally damaged someone else's car or caused a situation in which someone sustains injuries, MTPL will compensate the damages to the third party on your behalf. This way, with MTPL you can feel safe knowing that in unplanned situations, which can happen to any of us, you can rely on us and not worry about a hole in your finances!

Yes, when purchasing MTPL insurance from Balcia, you can also choose additional risk coverage, which can prove very useful in various unexpected situations. In addition to the mandatory third-party liability protection, you can include such extra services as accident insurance (protecting yourself from expenses if you sustain an injury in an accident) and roadside assistance (immediate help from a local mechanic in the event of technical problems or a breakdown). You can also choose the "claim with your own insurer" option, which is important if you want to handle all matters related to an MTPL road traffic accident directly with us, regardless of whether you are the at-fault or the injured party in the accident.

MTPL is valid in all European Economic Area countries, providing protection in situations where you cause an accident and inflict harm to a third party's health, car, or property. Regardless of your planned destination, MTPL is a legally mandated protection that guarantees that the injured party will receive compensation for damages.

CASCO insurance is voluntary land vehicle insurance designed to protect your car from unexpected expenses in the event of damage, robbery, or theft. With CASCO insurance, an unexpected dent on the side, a collision with an animal, a hole in a tire, damage caused in a road traffic accident, or a stone hitting your windshield will be just a minor hiccup in life, without threatening your budget! On the other hand, MTPL (Mandatory Third-Party Liability Vehicle Insurance) is required for all car owners in Latvia and other EU countries who wish to participate in road traffic. It ensures that in the event of a road traffic accident, the damages you have caused to other people, their property, or health will be covered. By purchasing MTPL, you insure your liability, not your car.

You have several options. The first and most convenient way to purchase and pay for a policy is through the Balcia mobile app. To calculate the price, you will need to enter the vehicle registration number, personal identification number or technical passport number, as well as indicate what security systems the car is equipped with (for example, an alarm system). In just a few seconds, you will receive the best price offer specifically for you! The second option is to purchase a CASCO policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase a Balcia CASCO insurance policy from our cooperation partners.

Jā un nē! Pēc tam, kad būsi saņēmis labāko cenas piedāvājumu, varēsi izvēlēties - veikt apmaksu uzreiz vai to sadalīt vairākos maksājumos. Piedāvājam maksājumu sadalīt līdz pat 12 atsevišķiem maksājumiem, par to neprasot papildu samaksu. Savukārt KASKO polises periodu vari izvēlēties uz vienu, trīs, sešiem, deviņiem vai divpadsmit mēnešiem! Neatkarīgi no izvēlētā maksājumu skaita cena nemainīsies un nekādi neietekmēs polises segumu.

To purchase a Balcia CASCO insurance policy with theft risk included, your car must meet certain security standards so that we can provide you with the best and most comprehensive protection. Here are some of the most typical security elements (our customer consultants will help determine the most suitable security system for your specific car):

• at least two ignition keys;
• sound and light alarm system;
• hidden switch;
• radio tracking system "Sherlog";
• radio tracking system "Sportguard";
• additionally installed immobilizer.

You will find out more information about security requirements when calculating your CASCO policy price!

However, if your car is not equipped with any of the mentioned or other security systems, but the system requires it, you can still purchase a Balcia CASCO policy with damage and destruction coverage. Vehicle theft or robbery risk will be included once the car is equipped in accordance with our security requirements and you have informed us about it by phone at 82222 or by email at balcia@balcia.lv

Yes, you can influence the price of your CASCO policy! The policy price (we call it the "premium") is formed from many different factors, including your driving style, experience, and penalty points received (if any), as well as the vehicle's year of manufacture and make. The more sensibly you drive, the more favorably you will pay for CASCO insurance.

To provide our clients with the most personalized price possible, we use artificial intelligence. While a standard price calculation involves the analysis of fewer than 50 different parameters, with the help of artificial intelligence we can analyze up to 800 different parameters, which allows us to determine the risk level and, accordingly, the insurance price much more precisely. In our calculations, we use three main sources: state-managed demographic, geographic, and potential violation-related information; freely available public data on location and road traffic intensity; as well as commercial data from service providers.

A deductible is a portion of the insured sum or the amount of loss, expressed in monetary terms or as a percentage, which is paid by the policy owner — that is, you — as a result of an insurance event. We will cover the remaining amount!

Our policy includes various accident situations without a deductible. For example, a collision with an animal (for light vehicles up to 3.5t) without a deductible, as well as a 0% deductible for keys and the first insurance event involving a cracked glass. You will see the deductible amount or percentage for different types of risks in your insurance policy. It is also important to remember that a deductible is not applied if the road traffic accident was caused by a third party. In such cases, the damage caused to your car is compensated under the at-fault party's MTPL policy

The easiest way to keep track of your CASCO policy's validity term is through our mobile app in the "Policies" section, where you will see all your active and inactive insurance policies. If you purchased your policy on the website or through our consultant, you will find the policy term in the contract. If you are still unsure, feel free to call 82222, and our team will help you! If you purchased your policy through one of our cooperation partners, feel free to contact them!

Yes, you can purchase CASCO insurance also for a car that doesn't belong to you and is registered in another person's name! For example, if you want to insure a car used by a family member or a friend. The main thing is that it is in proper technical condition and meets our security requirements. It is certainly a good and practical gift that any driver will appreciate!

Yes, Balcia CASCO insurance will be valid if someone else is driving your car. However, before handing over your vehicle's keys to someone else, make sure that the driver has a valid driving license. Also keep in mind that in the event of an insurance claim, the compensation amount may also be affected by the driver's experience. For example, if when purchasing the policy you indicated that your driving experience is more than two years, but you let a driver with less experience drive the vehicle, we will take this fact into account when evaluating the claim.

We understand that life throws different scenarios your way and there may come a time when a CASCO policy is no longer needed. You can cancel the policy very simply — using our mobile app, website, by calling 82222, or by contacting our cooperation partners. If you have already paid for the policy in advance, we will return the remaining amount. Moreover, there will be no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer a CASCO insurance policy with the fewest exclusions on the market, providing all-risk coverage: vehicle damage, theft and robbery, total loss, loss of keys, glass breakage, free replacement car, driver and passenger accident coverage, collision with an animal, roadside technical assistance, and many more! Here are some of the benefits most appreciated by our existing clients:

• The most convenient repair service: after an accident, we will take your car to the most convenient and nearest repair shop for you. Even if it's on the other side of Latvia!
• Technical troubles: if your vehicle breaks down on the road, we provide fast, round-the-clock roadside assistance — both in Latvia and throughout Europe. While your car is being repaired, you can receive a replacement car. Yes, including a modern Tesla, if you selected an electric car as your replacement vehicle option when purchasing the policy.
• Electric vehicle risks also covered: if you drive an electric car and an accident occurs, we will provide you with another electrically chargeable vehicle on the spot. And if your battery unexpectedly runs out while on the road, we will help transport your car to the nearest charging station.
• Personal belongings insurance: the policy coverage also includes personal belongings insurance up to 2,000 euros.
• Tire coverage: if one tire is damaged in an accident, we will also replace the other one on the same axle, and tires and rims left in storage will also be insured.

Yes, our CASCO insurance will cover losses caused by the aforementioned incidents. Moreover, we pride ourselves on having one of the fastest response times on the market in cases of natural disasters. For example, the heavy rains and storms in the summer of 2024 brought our clients many various concerns related to fallen trees on their cars or flooded garages. Our roadside technical assistance also proved very useful during the storms. Within the first 24 hours, we had already processed the claims received from our clients regarding their losses, and clients received prompt payouts or other necessary assistance to get back on the road as quickly as possible!

Yes, our CASCO will cover losses caused to your vehicle's accessories! The limit specified in the policy for accessory losses is up to 2,000 euros. Vehicle accessories include: tires, audio system, roof rack, exhaust system, navigation device, car protective covers, various sensors, and other accessories that enhance the functionality or comfort of your car.

You will be able to determine and choose the policy's territorial coverage yourself! The advantage of our CASCO policy is the option to choose one of the insurance territories listed below:

Latvia: you and your car will be insured only within the territory of Latvia.

Europe: you and your car will be insured in such European countries as Latvia, Lithuania, Estonia, Albania, Austria, Andorra, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Italy, Ireland, Iceland, United Kingdom of Great Britain and Northern Ireland, Liechtenstein, Luxembourg, Malta, Montenegro, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Spain, Finland, Slovakia, Slovenia, Serbia, San Marino, Switzerland, Hungary, Germany, Vatican, North Macedonia, Sweden.

Europe and CIS countries: you and your car will be insured in the territories of the Commonwealth of Independent States — Armenia, Azerbaijan, Belarus, Georgia, Russia, Moldova, Ukraine.

With us, it's easier than finding your car keys in your bag! You can choose the most suitable option for you:

• The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select your CASCO policy and submit your claim!
• On the Balcia website, you can file a claim by going to the "Claims" section — select the product and fill out the form!
• You can file a claim by calling our amazing customer service specialists at 82222.
• Contact your insurance broker, who will help initiate and handle the insurance claims process!

To file a claim through the app or website, you will need to fill in information about the accident — date, time, address, as well as indicate the type of incident. When filing a claim, you will also need to briefly describe the circumstances of the accident, which you can do either in writing or by recording a voice message (app only).

If you have chosen a CASCO policy that includes protection outside of Latvia, then in the event of an accident, call our 24-hour phone number +371 20682222 at any time. Our specialists will help assess the situation and provide roadside technical assistance so that you can get back on the road as soon as possible! If emergency medical assistance is needed after the accident, call for it immediately and contact us as soon as possible!

Don't forget that before setting off on a longer journey with your car, it is advisable to take care of its safety, technical condition, and equipment. Before a longer trip, we recommend taking your car to a service center for maintenance and to assess whether the vehicle is ready for the additional load. It is advisable to have in the trunk a one-liter container of engine oil, antifreeze or other cooling fluid suitable for your car, as well as tools such as a screwdriver and pliers, which are usually included in the car's standard kit and can sometimes help carry out a small repair right on the spot.

To ensure everything goes smoothly, we recommend filing a claim immediately after the insurance event. This will help us start reviewing the case sooner and ensure that all necessary steps are taken without delays. After we have received all the necessary information about the accident and the required documents, you will receive the claim payment within five business days!

Of course! The Balcia CASCO insurance policy provides a replacement vehicle while your car is being repaired after an accident. We can offer it from the very first day you file an insurance claim, and the vehicle rental can last up to 30 calendar days. Depending on your policy limits, you will be able to choose the type of car — ranging from compact class to premium. Furthermore, if at the time of purchasing the policy you indicated that you would like the option to receive an electric car as a replacement vehicle, you will be able to ride around in a modern Tesla! However, if you prefer a different solution, for example, choosing to rent a car yourself, know that we will also cover these costs within the policy limit.

If you are one of those riders whose life is lifted to new heights of excitement by a motorcycle, then you are in the right place. We understand that a motorcycle is not just a means of transportation for you — it gives new meaning to your personality and is a symbol of your freedom. We understand your needs, which is why Moto CASCO is not just insurance — we are your trusted partner in every adventure, curve, and turn. Whatever your road may be — from city streets to country roads — we adapt to match your fearless spirit and passion for exploring the world on the back of a motorcycle.

It is like CASCO for your car, the only difference being the object of insurance — in this case, it is a motorcycle!

You have several options. The first and most convenient way to purchase and pay for a policy is through the Balcia mobile app. To calculate the price, you need to enter the motorcycle's registration number, personal identification number, or technical passport number. In just a few seconds, you will receive the best price offer specifically for you! The second option is to purchase a Moto CASCO policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase a Balcia Moto CASCO insurance policy from our cooperation partners — insurance brokers.

Yes and no! After you have received the best price offer, you can choose — to pay immediately or split it into several payments. We offer to divide the payment into up to 12 separate installments, with no additional charge for this. Meanwhile, you can choose the Moto CASCO policy period for one, three, six, nine, or twelve months! Regardless of the chosen number of payments, the price remains the same and does not affect the policy coverage in any way.

Yes, you can purchase a Balcia Moto CASCO policy just for the motorcycle season! We offer complete freedom — choose the insurance period that best suits your needs. There is no need to pay for the entire year if you only use your motorcycle during the active season.

Yes, it is possible to purchase a Moto CASCO insurance policy even if you don't have your own garage. Moreover, did you know that you can also buy the policy even if you don't own a motorcycle? You can gift Moto CASCO insurance to relatives, friends, or another loved one.

To purchase Balcia Moto CASCO, your motorcycle needs to be equipped with an alarm system and, of course, keys! These are the main security requirements — no additional conditions needed to provide you with full protection!

The easiest way to keep track of your Moto CASCO policy is through our mobile app in the "Policies" section, where you will see all your active and inactive insurance policies. If you purchased your policy on the website or through our consultant, you can find the policy term in the contract. If you are still unsure, feel free to call 82222, and our team will help you understand your policy terms! If you purchased your policy through an insurance broker, feel free to contact them!

We understand that life throws different scenarios your way and there may come a time when a Moto CASCO policy is no longer needed. You can cancel the policy very simply — using our mobile app, website, by calling 82222, or by contacting your insurance broker. If you have already paid for the policy in advance, we will refund the remaining amount or transfer it to another Balcia policy. Moreover, there are no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer a Moto CASCO policy with the fewest exclusions on the market, providing all-risk coverage:

• motorcycle damage, theft and robbery, damage caused by animals, personal belongings damage or theft, equipment damage, loss of keys, free replacement motorcycle, round-the-clock roadside assistance, and many more! Here are some of the benefits most appreciated by our existing clients:
• Protected even in an unguarded parking spot: the insurance is valid even if you park your motorcycle in an unguarded parking area at night!
• Replacement vehicle: while your motorcycle is in the service shop, you can replace it with even an Energica electric motorcycle.
• Subscribe for the period you want: you can purchase Moto CASCO for a period of your choice and split it into 12 payments.
• Equipment and accessories included: your motorcycle gear and accessories are included in the coverage.
• No additional conditions: no additional security measures are required, other than an alarm system and keys. However, if your motorcycle is equipped with a lean angle sensor, you will need to indicate this when purchasing the policy.
• Roadside assistance: motorcycle assistance is included in the price — tow truck, roadside technical assistance, fuel delivery if you happen to run out of fuel, and other features to keep the adventures going!

If problems happen to occur on the road — in Latvia or abroad (if you have included territory outside Latvia in your policy), Balcia's round-the-clock roadside assistance will take care of the following troubles:

• Can't start your motorcycle? We'll rush to help so you can get back on the road as soon as possible!
• Punctured tire? We'll help inflate and replace the tire!
• Run out of fuel? We'll deliver up to 10 liters so you can make it to the nearest gas station!
• Motorcycle needs to be pulled out or rescued? We'll organize the work to help you as quickly as possible!
• Repair or parking? We'll deliver the motorcycle to a repair shop or the nearest guarded parking area, and also cover parking costs for up to five days!
• Need overnight accommodation or other transportation? If the motorcycle is not rideable, we'll provide a hotel or help you get to your destination.

Every motorcycle trip can be more peaceful knowing that Balcia's assistance is just an arm's reach away.

Yes, the Balcia Moto CASCO policy also includes motorcycle gear and equipment. The policy covers damage not only to your motorcycle but also to such items as a helmet, protective suit, and other equipment that is essential for your safety and comfort. We also take into account special motorcycle equipment if it is part of the motorcycle's configuration. Ride with confidence, knowing that your gear is just as well protected as you and your motorcycle!

You will be able to determine and choose that yourself! We offer a choice of one of the insurance territories listed below:

Latvia: you and your motorcycle will be insured only within the territory of Latvia.

Europe: you and your motorcycle will be insured in such European countries as Latvia, Lithuania, Estonia, Albania, Austria, Andorra, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Italy, Ireland, Iceland, United Kingdom of Great Britain and Northern Ireland, Liechtenstein, Luxembourg, Malta, Montenegro, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Spain, Finland, Slovakia, Slovenia, Serbia, San Marino, Switzerland, Hungary, Germany, Vatican, North Macedonia, Sweden.

Europe and CIS countries: you and your motorcycle will be insured in the territories of the Commonwealth of Independent States — Armenia, Azerbaijan, Belarus, Georgia, Russia, Moldova, Ukraine.

Yes, the Balcia Moto CASCO policy offers a free replacement vehicle if your motorcycle is being repaired after an accident. As a replacement motorcycle, we offer modern Energica electric motorcycles, which will allow you to continue your daily rides during the repair period. Moreover, it is also a great opportunity to try out what it's like to travel in a more environmentally friendly way and enjoy the benefits of an electric motorcycle.

With us, it's easier than easy! You can choose the most suitable option for you:

• The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select your Moto CASCO policy and submit your claim!
• On the Balcia website, you can file a claim by going to the "Claims" section — select the product and fill out the form!
• You can also file a claim by calling our amazing customer service specialists at 82222.
• Contact your insurance broker, who will help initiate and handle the insurance claims process!

To file a claim through the app or website, you need to fill in information about the accident — date, time, address. When filing a claim, you also need to briefly describe the circumstances of the accident, which you can do either in writing or by recording a voice message (app only).

If you have chosen a Moto CASCO policy that includes protection outside of Latvia, then in the event of an accident, call +371 20 68 2222 at any time of the day or night. Our specialists will help assess the situation and provide roadside assistance so that you can get back on the road as soon as possible! If emergency medical assistance is needed after the accident, call for it immediately and notify us about it as soon as possible!

To ensure everything goes smoothly, we recommend filing a claim immediately after the accident. This will help us start reviewing the case sooner and ensure that all necessary steps are taken without delays. After we have received all the necessary information about the accident and the required documents, you will receive the claim payment within five business days!

We are proud to offer travel insurance with the fewest exclusions on the market, providing extensive risk coverage: trip cancellation or interruption, lost or delayed luggage, illness before or during the trip (including Covid-19), medical expenses and accidents, damage caused to third parties, and many more.

The EHIC, or European Health Insurance Card, is a useful travel companion, yet it does not replace what insurance provides. The EHIC card will take care of the basics, for example, if during a trip you or your travel companion need emergency medical assistance in European Union countries, as well as in Norway, Iceland, Liechtenstein, or Switzerland. However, if you plan to travel outside the EU, the EHIC card will not work, including in such popular destinations as Turkey and Egypt.

Travel insurance, on the other hand, serves as your personal safety net that covers not only medical treatment costs but also other unpleasant situations, such as canceled or delayed flights, lost luggage or other personal belongings, including documents, etc. The perfect combo when traveling around EU countries is the EHIC card and Balcia travel insurance — this will allow you to enjoy your trip without unnecessarily worrying about potential complications and unplanned expenses!

Yes, it covers expenses in situations where a flight is delayed or you miss a connecting flight. This means — if while on your way to the flight, some technical troubles with transport arise or you have been a victim of an unlawful act, we will cover the costs for ticket changes or the purchase of a new economy class ticket. Furthermore, if due to the aforementioned reasons you miss a transit flight, but the next flight is only available the next day or later, we will cover hotel expenses up to 100 euros per night for a period of up to three nights. Although we are on the same wavelength with the adventurous ones, when planning a trip, we recommend leaving enough time between connecting flights (at least two hours). If the layover is less than two hours, you take the risk yourself!

If during your trip your luggage is delayed, lost, or damaged, we are by your side to help resolve the unpleasant situation as quickly as possible.

If your luggage has been delayed for more than two hours, we will cover the costs needed to purchase essential items. If your luggage is damaged, we will help cover its repair, based on documents confirming the repair expenses. And in the worst-case scenario — if the luggage is lost completely, we will cover the costs for purchasing new or similar luggage! Just keep in mind — in order to receive compensation for damage or loss, you must report the incident to the carrier or law enforcement authorities within 24 hours and follow their instructions.

Remember — always take your most valuable belongings with you in your carry-on luggage and keep them in a safe place during the trip, for example, in the hotel safe!

Great that you're planning to enjoy your vacation to the fullest, letting us take care of the rest! To purchase Balcia travel insurance, you have several options. The first and most convenient is to purchase and pay for the policy in the Balcia mobile app. To calculate the price, you will need to provide information about your upcoming adventure — travel period, territory, number of travelers, as well as planned activities. In just a few seconds, you will receive the best price offer specifically for you, and you will be able to choose between three options — L (the cheapest, but not always the most suitable choice), XL (the most frequently chosen package among our clients), or the best of the best — XXL (a full range of risks with the highest limits).

The second option is to purchase a travel insurance policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase a Balcia travel insurance policy from our cooperation partners.

To enjoy all the benefits of the travel insurance policy, we recommend purchasing it as soon as possible, but you can also buy it the day before your trip! If you only remember about travel insurance when you are already at the airport, you can still manage to buy our insurance, just keep in mind that it will only take effect the following day.

It is important to note that in the case of sudden illness or health complications affecting you, your relative, or another person due to whom it is necessary to cancel the trip, the expenses will only be covered if the insurance has been in your pocket at least three days before the planned trip.

The short answer is "no." You do not need to print your travel insurance policy, as long as the policy is easily accessible on your phone, for example, in the Balcia mobile app or email. However, if you feel more secure with a paper version, keep it close at hand with your other documents, rather than hiding it deep in your suitcase or in the glove compartment of a rental car. In cases where medical assistance is needed, one of the first questions will be precisely about whether you have travel insurance. Additionally, we recommend saving our 24-hour assistance number +371 20 68 2222 in your phone in advance — this will give you peace of mind if you need advice on how to act in unexpected situations!

Yes, when purchasing the policy, you need to indicate the type of trip — whether it is tourism, a business trip, a study trip, or physical work. This information will help us tailor the insurance coverage to suit your trip. However, we do not ask for more detailed information about your plans, so you can safely enjoy your trip knowing that the necessary protection is in place, regardless of where you are going and what experiences you plan to have.

The policies differ by their purpose and included risks. Travel insurance is your safety cushion for everything that can go wrong during a trip, from medical assistance abroad to lost luggage and missed flights. On the other hand, accident insurance is like an everyday "backup plan" that protects you from unexpected expenses related to accidents and injuries at any time and anywhere in the world.

If during your trip you have encountered an emergency and you or your travel companions need medical assistance, contact our specialists by phone at +371 20 68 2222 to receive advice on what to do next. However, if the situation is critical and emergency medical help is needed, call for medical assistance and contact the Balcia 24-hour assistance center at the earliest opportunity! Remember to keep all payment confirmation documents for treatment or stay at a medical facility!

With us, it's easier than finding your suitcase on the luggage carousel at the airport! You can choose the most suitable option for you:

• The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select your travel insurance policy and submit your claim!
• On the Balcia website, you can file a claim by going to the "Claims" section — select the product and fill out the form!
• You can also call our amazing customer service specialists at 82222 (from Latvia) or +371 20 68 2222 (from abroad).
• Contact your insurance broker, who will help initiate and handle the insurance claims process!

To file a claim through the app or website, you need to fill in information about the incident — date, time, country, as well as describe the circumstances of the event and attach payment confirmation documents.

We are glad that you want to protect the most important thing — your sense of home! To purchase Balcia Home insurance, you have several options. The first and most convenient is to purchase and pay for the policy in the Balcia mobile app. To calculate the price, you will need to provide information about your property — whether it is an apartment or a house, when the building was constructed or last had a major renovation, the type and area of the dwelling, as well as indicate whether the property has any additional insurable objects, for example, a garage. You will have the opportunity to choose the amount for which to insure your movable property, or household contents, and your liability for damage caused to others (third-party liability insurance). In just a few seconds, you will receive the best price offer, and you will be able to choose between three options — L (a good choice for minimal requirements), XL (an excellent choice for high requirements), or the best of the best — XXL (a comfort-level choice with maximum coverage!).

The second option is to purchase a policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. Balcia property insurance is also available from our cooperation partners.

Yes and no! After you receive the best price offer for your home, you will be able to choose — to pay immediately or split it into several payments. We offer to divide the payment into up to 12 separate installments per year, with no additional charge for this. You will also be able to choose the property insurance period yourself. Regardless of the period and number of payments you choose, the price will remain the same and will not affect the policy coverage in any way.

Yes, you can insure a home that you have rented out to others, if it is a long-term rental and it is supported by a rental agreement! This will help ensure peace of mind and confidence that the property is protected from various unexpected events. Balcia property insurance also includes third-party liability insurance, which will come in handy in situations where tenants accidentally cause damage to neighbors, for example, by flooding their apartment. However, if you rent out the property on a short-term basis, for example, through platforms such as Airbnb, a different type of insurance will be needed — commercial property insurance. To find out more, contact our knowledgeable specialists by phone at 82222, and we will find the most suitable solution for your specific situation!

Movable or portable property includes all your personal belongings that make your everyday life more comfortable — furniture, electronics, clothing, household appliances, jewelry, and other valuable items. We will take care of your beloved belongings both at home and outside of it — including when traveling. For example, regardless of whether you are at a local park or abroad, and your computer gets stolen or a stroller gets damaged, we will cover the resulting losses.

And that's not all — property insurance also takes care of your guests' belongings! If your friend's or relative's property is damaged, we will compensate the unexpected expenses up to 3,000 euros. Furthermore, if you have rented out your insured home to someone else, we will cover losses resulting from the tenants' unlawful actions. Just make sure that you have signed a rental agreement with the tenant and have reported the losses to the police!

The maximum property insurance policy term we can offer is one year. However, you can rest assured — after the year is up, you will be able to renew the contract, and we will make sure to offer you the most favorable solution even after the term expires! When the time comes to renew the contract, we will ensure a quick and simple process for your peace of mind!

Of course! Property insurance is designed exactly for that — we are there precisely when you need it most! On our end, there is just one condition — the renovation or construction work being carried out must not require a building permit in accordance with the regulatory acts of the Republic of Latvia. This means that when carrying out minor restoration or improvement work, you can rest assured that property insurance will continue to be in effect and protect your wallet from potential and unforeseen expenses! However, if you are planning larger-scale construction or reconstruction that requires a building permit, contact us by phone at 82222, and we will see how we can help!

No, written consent from the other co-owner is not required — you can go ahead and insure your property yourself, ensuring property protection and peace of mind for yourself and other residents of the home!

The easiest way to keep track of your property insurance policy term is through our mobile app in the "Policies" section, where you will see all your active and inactive policies. If you purchased your policy on the website or through our consultant, you will find the policy term in the contract. Still have doubts? Feel free to call 82222, and our team will help!

We understand that life throws different scenarios your way and there may come a time when home insurance is no longer needed. You can cancel the policy very simply — using our mobile app, website, by calling 82222, or by contacting our cooperation partners. If you have already paid for the policy in advance, we will return the remaining amount. Moreover, there will be no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer Home insurance with the fewest exclusions on the market, providing all-risk coverage: rescue and cleaning costs, temporary housing rental expenses, utility cost increases, damage caused by rain and melting snow, movable property, electrical risks, third-party liability, and many more.

Here are some of the benefits most appreciated by our existing clients:

• 24/7 emergency assistance for your home — round-the-clock phone consultations and support from our knowledgeable specialists are available to you — locksmiths, plumbers, electricians, carpenters, as well as rescue and cleaning teams. We will also take care of fire safety and security alarm repairs, as well as remove fallen trees after a storm.
• Your favorite belongings are also safe — if you choose to insure movable property outside your home address, your phone, computer, bicycle, stroller, and all other important items will also be insured — with coverage valid worldwide!
• Trip cancellation protection — if an emergency happens at home before you have even left for vacation, we will compensate the trip cancellation expenses so you can take care of what matters most.
• Peace at home, balance in life — if worries about your home have seriously thrown you off track, we will provide psychotherapist consultations.
• Interior designer assistance — after an incident, we will send you a professional interior designer to help restore the premises and perhaps inspire new, cozy accents!
• Temporary accommodation — you won't be left without a roof during repairs! Within the policy limit, we will cover your expenses for temporary housing rental.
• Third-party liability insurance: yes, our policy also includes third-party liability risks!

Of course, we are here to protect you and your home in cases of storms and heavy rains as well. Moreover, we pride ourselves on having one of the fastest response times on the market in cases of natural disasters. For example, the heavy rains and storms in the summer of 2024 brought our clients many various concerns, mainly related to fallen trees and their branches that had fallen on buildings, fences, and cars, or flooded homes, garages, and gardens. Within the first 24 hours, we had already processed all the claims received from our clients regarding their losses, and clients received prompt payouts or other necessary assistance to restore their home and its surroundings to order as quickly as possible. Third-party liability insurance will also come in handy here if a natural disaster results in damage to a neighbor!

If an auxiliary building, such as a garage, outbuilding, cellar, or sauna, is located on your property grounds, you can include it in the property insurance policy. When purchasing home insurance, you will be able to add additional insurable objects — make sure you have marked all the necessary ones before purchasing the policy. If you have any doubts, we encourage you to consult with our specialists by phone at 82222 to make sure that the auxiliary buildings on your property grounds are protected!

Yes, one of the advantages of our insurance policy is the option to insure your summer or garden house. Just keep in mind that property insurance is only valid for inhabited buildings. This means that someone lives there at least nine months per year. It is important that no commercial activity is carried out on the property. If you decide to turn your summer house into a production facility, you will need a completely different type of insurance. However, situations can vary, so feel free to call our customer consultants at 82222, who will find the most suitable solution for you!

First, you might ask — what is a deductible? A deductible is a portion of the insured sum or the amount of loss, expressed in monetary terms or as a percentage, which is paid by the policy owner — that is, you — when an insurance event occurs. We will cover the remaining amount!

With us, it's easier than finding your house keys in your bag! You can choose the most suitable option for you:

• The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select your Home policy and submit your claim!
• On the Balcia website, you can file a claim by going to the "Claims" section — select the product and fill out the form!
• You can also file a claim by calling our amazing customer service specialists at 82222.
• Contact your insurance broker, who will help initiate and handle the insurance claims process!

To file a claim through the app or website, you will need to fill in information about the incident — date, time, address, as well as indicate the type of event. When filing a claim, you will also need to briefly describe the circumstances of the incident, which you can do either in writing or by recording a voice message (app only).

To ensure everything goes smoothly, we recommend filing a claim immediately after the incident. This will help us start reviewing the case sooner and ensure that all necessary steps are taken without delays. After we have received all the necessary information about the incident and the required documents, you will receive the claim payment within five business days!

Balcia City Combo is one policy for all your rides and family members! It is a modern insurance inspired by constant movement that protects you and your rides in your daily life! Bicycle, scooter, roller skates, snowboard, skis, or even a sled — regardless of the season and your chosen ride — our Balcia City Combo combines them all to keep your and your family's daily rhythm uninterrupted! Moreover, we know that sometimes we ourselves are the ones causing the trouble, which is why City Combo also includes third-party liability insurance, covering compensation for damage caused to others.

To purchase Balcia City Combo insurance, you have several options. The first and most convenient is to purchase and pay for the policy in the Balcia mobile app. In just a few seconds, you will receive the best price offer specifically for you, and you will be able to choose between three options — L (a good choice for minimal requirements), XL (an excellent choice for high requirements), or the best of the best — XXL (a comfort-level choice with maximum coverage).

The second option is to purchase a City Combo insurance policy on the Balcia website, where the process is similar to that in the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase the policy from our cooperation partners.

Yes, who doesn't enjoy feeling the wind tickling their cheeks from time to time? We are all for a responsible riding culture, so we encourage you to choose a riding speed that complies with the national road traffic regulations. Any accident that occurs within the permitted speed limits becomes our concern! As the saying goes — take care of yourself, and Balcia will take care of you!

No, to purchase Balcia City Combo insurance, you do not need to register your bicycle. However, registering your bicycle with the CSDD (Road Traffic Safety Directorate) will provide it with an additional layer of security! This will help identify the bicycle in cases of theft, if and when it is found!

We understand that life throws different scenarios your way and there may come a time when ride insurance is no longer needed. You can cancel the policy very simply — using our mobile app, website, or by calling 82222. If you have already paid for the policy in advance, we will refund the remaining amount or transfer it to another Balcia policy. Moreover, there will be no hidden costs for canceling the policy! Simple and transparent!

We are proud to have developed insurance that is not limited to just bicycle insurance, but includes many different micromobility rides in our policy. Regardless of whether you get around daily by bike, scooter, skateboard, roller skates, or longboard, Balcia City Combo insurance provides protection for all the mentioned modes of transportation. Moreover, in winter, City Combo automatically transforms into Winter Combo, which includes skis, snowboard, and yes — even sleds and snow tubes, in case you can get to school or work faster by sliding down a hill

Balcia City Combo includes four main risk groups — accidents, ride damage, ride theft, and damage caused to third parties.

Here are some of the benefits most appreciated by our existing clients:

One policy for the whole family: with a City Combo policy, you, your loved ones, and your rides will all be protected.

Your ride, you, and liability: our insurance includes risks for your ride or rides, as well as for injuries sustained by you or your family members, or damage caused to another person.

Competitions and training: feel free to participate in competitions or training sessions with your ride — with Balcia City Combo you will be insured! However, if you participate in professional competitions with your ride, contact our specialists by phone at 82222 to receive advice on the most suitable insurance for professional sports!

Valid 24/7: Move around safely in all seasons, at any time of the day or night!

Theft: the policy coverage also includes ride theft, even if you have left it outside a shop and the ride gets stolen. Just remember — before leaving your ride in a public place, lock it or use another security system!

Yes, with a Balcia City Combo policy, both you and your family, including children, will be protected! By family members or relatives, we mean: your spouse or the person with whom you share a household, your children and grandchildren, as well as their spouses or partners with whom they live in the same household, as well as your parents, grandparents, brothers, and sisters!

Yes, we have also thought about third-party liability insurance. This means — if you or your family member, while riding any type of ride that does not require mandatory registration, accidentally causes damage to a third party's property, health, or life. The third-party liability risk also includes litigation and rescue expenses related to a third party's claim against you or your family member.

Yes, Balcia City Combo includes coverage for your ride even if your children or other family members get into an accident while using it. Even if the little racer has experienced their first big challenge on the road, know that our insurance will cover the resulting losses — both for the ride and the little one's health. However, we are keeping our fingers crossed that your and your family's outings are incident-free!

Yes, with Balcia City Combo you can feel safe, even riding on Latvian roads! Our policy includes compensation for damage to your ride in situations where you didn't notice a pothole or couldn't avoid it! Moreover, we will also cover the resulting losses if you are involved in a collision with any other obstacle. However, a friendly reminder — when riding your vehicle, keep your eyes and ears open, and your phone — leave it in your pocket!

Yes, Balcia City Combo also covers such incidents! If a family member accidentally crashes into a tree or "experiments" with new tricks, the insurance will cover the ride's damage. Because how can you go without a few little mishaps? The most important thing is that everyone returns home safe and sound! And after the repair, the ride will be as good as new!

Yes, if you happen to ride over a rock or a sharp object, and as a result the tire is punctured or otherwise damaged, Balcia City Combo will cover the tire replacement or other repair costs! And very soon you will be able to safely get back on the road and keep moving!

Yes, because Balcia City Combo insurance is like a safety cushion — soft, reliable, and always by your side! So even if your super trick on a scooter doesn't go as smoothly as you had planned, Balcia will take care of you! There are moments in life when you have to fall in order to get back up — and we will help you get moving again!

Yes, if you have accidentally hit a person or animal, Balcia City Combo insurance covers the resulting losses. We understand that life is full of unpredictable turns, and a spotted cat can cross the road at the most unexpected moment! You can rest assured, in such cases we compensate both the damage caused to the person or animal's owner, as well as the expenses that may arise in connection with legal claims. Life goes on, and we are with you!

Yes, if your ride has suffered from a thieving touch, Balcia City Combo rushes to help! If a theft occurs with clear signs of break-in, for example, by breaking down doors, report the theft to the police and to us immediately! A reminder — keep your ride safe, so if it's a stairwell, make sure to use locks or other security solutions! And if you keep your vehicles at home, make sure the doors are locked!

Balcia Junior insurance is accident insurance for children. Gold medals and bright victories encourage kids to dive into the world of sports, but we know very well that behind it all stands hard work. Training on a Friday evening when friends are heading to the movies, competitions on a Sunday morning when others get to sleep in, finally reaching first place in the rankings... and then — a sudden injury. Yes, it's part of sports. But with Balcia Junior accident insurance, your child will be protected regardless of whether they dance folk dances or play hockey! Our statistics show that most of the time children actually get injured outside of training, during free time, but even in those moments you can count on us — in case of an accident, we'll protect your wallet!

You have three options. The first and most convenient is to purchase and pay for the accident policy in the Balcia mobile app. To calculate the price, you need to specify the number of children to be insured. A few seconds, and you'll receive the best price offer just for you! Plus, you can choose between three options — L (a good choice for minimal requirements), XL (an excellent choice for high requirements), or the very best — XXL (a comfort-level choice with maximum coverage).

Balcia Junior accident insurance is designed for children up to 17 years of age (inclusive). Once the child reaches 18 years of age and is officially considered an adult, it's time to move to the next level! We recommend purchasing an accident insurance policy for adults.

Of course! We understand how important it is for the whole family to feel safe, so Balcia Junior insurance is designed to make parents' daily lives as easy as possible. With a single insurance policy, you can cover your entire family – up to six children – regardless of whether they are kindergarteners or school-age children. Balcia Junior is a simple and reassuring solution – one policy that is easy and convenient to manage! And you can have peace of mind every day, knowing that we are there for you in case of unexpected expenses!

Yes and no! After you have received the best price offer, you can choose – pay in full right away or split it into several payments. We offer to divide the payment into up to 12 separate installments, with no additional charge. You can also choose the policy period for any duration, starting from one to 12 months. Regardless of the chosen period and the number of payments, the price remains the same and does not affect the policy coverage in any way.

Yes, that is one of the great features offered by Balcia Junior insurance – your child is insured both in everyday life and during sports activities, competitions, and camps worldwide, 24/7! Moreover, we have no restrictions – we insure all of your child's choices! If an unexpected incident occurs even before heading to, for example, a competition tournament or camp, we will compensate the resulting losses – both the participation fee and the amount already spent on travel expenses (for example, flight tickets to a camp outside Latvia).

The easiest way to keep track of your Junior policy is through our mobile app in the "Policies" section, where you can see all your active and inactive insurance policies. If you purchased the policy on our website or through our consultant, you will find the policy term in the contract. If you are still unsure, feel free to call 82222, and our team will help you understand your policy terms!

We understand that life brings different scenarios, and there may come a time when the children have grown up and the policy is no longer needed. You can cancel the policy very easily – using our mobile app, website, by calling 82222, or by contacting your insurance broker. If you have already paid for the policy in advance, we will refund the remaining amount. Moreover, there will be no hidden costs for canceling the insurance program! Simple and transparent!

We are proud to offer a Junior accident insurance policy with the fewest exclusions on the market, providing broad risk coverage: injuries sustained during competitions, training sessions, camps, or in everyday life, financial losses from canceling a child's camp due to injury, accidental harm caused to others, bone fractures and injuries, as well as many others.

Here are some of the benefits that our existing customers appreciate the most:

• Tick-borne encephalitis and Lyme disease: we pay compensation if your child has contracted tick-borne encephalitis or Lyme disease. Yes, even in cases where the child has not been vaccinated!
• Medical expenses for up to 30 months: we cover medical expenses and hospital daily allowance throughout the entire recovery process, including during rehabilitation and critical illness periods.
• Camp cancellation worldwide: if participation in a planned camp or tournament anywhere in the world has to be canceled due to injury, we cover both the camp, tournament, or competition participation fee and travel expenses.
• Family joy: to restore balance and zest for life after an injury, we gift you quality time spent together as a family or another treat for the child – a cinema visit, a new toy, or anything else for a faster recovery!

Of course, Balcia Junior insurance provides security not only in Latvia but also anywhere else in the world. Regardless of whether the children are going to sports training, participating in camps, or enjoying family trips, Balcia's safety cushion will always be there for them and for you as a parent. Moreover, the insurance is active around the clock, no matter which corner of the world they are in – even if an accident happens far from home. The world is their playground, and Junior ensures carefree yet responsible adventures!

Yes, that is one of the great features offered by Balcia Junior insurance – your child is insured everywhere and at all times around the world! This means that if your junior gets injured while abroad, for example, at a competition or camp, contact us immediately at +371 20 68 2222 so we can help and provide guidance on the next steps. However, if the situation is serious, first call emergency medical services, and once the child is safe, call us!

Yes, Balcia Junior insurance also includes civil liability insurance, which protects parents from financial trouble if the child accidentally happens to cause harm to another child, their health, or their property. Together with us, you have also insured your child's liability towards others!

If an accident has occurred, for example, if a child has suffered an injury or broken a bone, it is important to immediately, but no later than within 24 hours, seek medical attention from a qualified doctor and follow the doctor’s instructions. If you need advice on what to do next, contact our specialists by phone at 82222 or, if the accident occurred abroad, by phone at +371 20 68 2222. In critical cases, call an ambulance and contact the Balcia 24-hour assistance center as soon as possible. Remember to keep all documents confirming your medical expenses!

With us, it's easier than convincing a kid to go to bed on time! You can choose the most suitable option for you:

The fastest and most convenient way to file a claim is through our mobile app by pressing the + sign. Then select the Junior policy and submit your claim! On the Balcia website, you can file a claim by going to the "Claims" section - choose the product and fill out the form! You can also call our amazing customer service specialists at phone number 82222. To file a claim via the app or website, you need to fill in information about the incident - date, time, address, as well as mark the type of event. When filing a claim, you also need to briefly describe the circumstances of the incident, which you can do either in writing or by recording a voice message (APP only).

Balcia Accident Insurance policy is a general and voluntary insurance that provides financial support in cases of unforeseen injuries, illnesses, or death in everyday life or while engaging in sports activities. Anyone can find themselves in a situation where an unfortunate step on a slippery sidewalk or an accidental fall can lead to unpleasant incidents. Although you cannot predict when something like that will happen, Balcia Accident Insurance will allow you to be confident that the recovery process will be simple and won't overburden your budget. The coverage works worldwide, so you can be at ease both at home and while traveling.

Yes, your employer can insure you with Balcia Accident Insurance. It is even highly recommended if your work involves a risk of physical injury. On the other hand, if you work in dangerous professions, you may need Balcia Extreme Accident Insurance, which will provide the necessary additional protection!

Of course, Balcia Accident Insurance is valid not only in Latvia but also anywhere in the world. Regardless of where you go in your daily activities, Balcia's safety cushion will always be with you! Moreover, the insurance operates around the clock, no matter which corner of the world you are in! The world is worth exploring, and Balcia takes care of carefree yet responsible activities!

We understand that life throws various scenarios your way and there may come a time when the Accident Insurance policy is no longer needed. You can cancel the policy very simply - by using our mobile app, website, calling phone number 82222, or contacting your insurance broker. If you have already paid for the policy in advance, we will refund the remaining amount. Moreover, there will be no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer an accident insurance policy with the fewest exclusions on the market, providing broad risk coverage: various injuries in everyday life and during sports activities, critical illness risk, temporary disability, disability and death risks, civil liability insurance, and others.

Here are some of the benefits that our existing clients appreciate the most:

• Disability risk: if the injury is severe, we pay compensation so that you can receive quality healthcare.
• Daily allowance: the coverage includes a daily allowance for up to 180 days while you are being treated and unable to fulfill your paid work duties.
• Medical expenses for 30 months: we reimburse medical expenses throughout the entire recovery process, including the rehabilitation period.
• Camp cancellation: if participation in a planned camp or tournament has to be canceled due to an injury, we reimburse camp, tournament, and competition participation fees, as well as travel expenses worldwide.
• Civil liability: your liability is included if during an accident you have accidentally caused damage to another person, their health, or property.
• Tick-borne encephalitis and Lyme disease cases: we pay compensation in cases of tick-borne encephalitis and Lyme disease. Even if you have not been vaccinated!
• Family joy: to restore balance and zest for life after an injury, we gift you quality time spent with family or another pleasure - a cinema visit, new sneakers, or anything else for a faster recovery!

Injuries include burns, concussions, fractures of ligaments, tendons, soft tissues, bones, damage to internal organs, damage caused by sharp objects, which occurred as a result of an accident. You can find a full list of injuries and other damages in the Balcia Accident Insurance Terms and Conditions document. Don't be afraid - we have made sure that the terms of our products are free from clever phrases and redundant words - short, specific and simple! We talk to our customers in a humane way!

A critical illness is a life-threatening, previously undiagnosed disease, such as cancer, heart attack, or stroke. In such difficult moments, Balcia pays out a one-time insurance benefit that you can use at your own discretion. It can be used for medical expenses and rehabilitation, home adaptation, or even learning new skills if life requires you to retrain and adapt to new circumstances. This benefit is designed to ease your daily life and provide a sense of security, allowing you to focus on what matters most – your recovery and well-being!

Yes, Balcia Accident Insurance covers risks related to sports activities, ensuring your protection both in everyday life and while enjoying your favorite sports. Whether you choose running, cycling, or any other hobby, you can be confident that your wallet is protected in case of unexpected injuries. However, if you engage in professional sports or participate in extreme activities such as mountaineering or motocross, we recommend choosing Balcia Extreme Insurance, which is specifically tailored for such high-risk sports. If you're unsure which insurance is the most suitable for your lifestyle, contact our customer service specialists by phone at 82222!

Yes, our Accident Insurance also covers your liability! If you accidentally or through negligence cause harm to another person, their health, or their property, Balcia has you covered by compensating the third party's losses! That's exactly why it's called accident insurance – for those moments when things don't go quite as planned! But with Balcia, both you and those around you can live with peace of mind.

Yes, Balcia Accident Insurance also covers tick-borne diseases, including Lyme disease. During the warm season in Latvia, ticks are indeed found in nearly every meadow and forest trail, but that shouldn't be a reason to stay at home! So feel free to head out into nature, even if you haven't been vaccinated! Just be cautious and remember all the safety measures to avoid these unexpected visitors from nature!

Yes, Balcia Accident Insurance also includes psychological support after traumatic events. We understand that after unpleasant life challenges, it is important not only to recover physically but also emotionally. That is exactly why we support accessible specialist consultations for both you and your closest ones for up to 90 days after an accident. We cover the costs of psychological, social, and medical consultations so that you can focus on your recovery and feel the necessary support during the most difficult moments.

If an accident has occurred, for example, you have sustained an injury at home or during sports activities, it is important to seek qualified medical attention immediately, but no later than within 24 hours, and to follow the doctor's instructions. If you need advice on what to do next, contact our specialists by phone at 82222 or, if the incident occurred abroad, by phone at +371 20 68 2222. In critical cases, call an ambulance and contact the Balcia 24-hour assistance center as soon as possible. Remember to keep all documents confirming your treatment expenses!

If you happen to sustain an injury, the compensation amount is calculated quite simply. Each injury has a defined specific percentage. The compensation is calculated by multiplying your insured sum by this percentage. The full list of injuries and their corresponding percentages can be found in the Balcia Accident Insurance product terms and conditions document. But don't be intimidated – we have made sure that our product terms are free of clever phrases and unnecessary wording – short, specific, and simple! We communicate with our clients in a human way!

Balcia Extreme is accident insurance for the bravest ones! If movement, thrill, and new challenges are your everyday driving force, welcome to the Balcia Extreme club! No protective gear will be 100% safe, and no adventure will be without risk, even if very minimal. Balcia Extreme sports and various leisure activity insurance provides you with a safety cushion in case of a wide variety of injuries, disability, and even death, as well as pays a daily allowance for each day spent in the hospital.

Balcia Extreme Insurance is a unique type of insurance for those who engage in extreme sports and activities, such as mountaineering, car racing, snowboarding, and others that involve high speed or high risk. Yes, Extreme Insurance also covers dangerous professions associated with a very high degree of risk, such as service in the armed forces, work at great heights, and others.

On the other hand, Balcia Accident Insurance is a general insurance that covers injuries, illnesses, or death cases that occur in unforeseen situations in everyday life, regardless of whether they are related to sports activities or not. It is a suitable choice if you do not engage in high-risk activities on a daily basis.

You have three options. The first and most convenient is to purchase and pay for the policy in the Balcia mobile app. To calculate the price, you need to specify the number of insured persons. A few seconds, and you'll receive the best price offer just for you! Moreover, you can choose between three options — L (a good choice for minimal requirements), XL (an excellent choice for high requirements), or the very best — XXL (a comfort-level choice with maximum coverage).

The second option is to purchase the Extreme policy on the Balcia website, where the process is similar to the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. Or purchase it from our cooperation partners.

Yes and no! After you have received the best price offer, you can choose – to pay in full right away or split it into several payments. We offer to split the payment into up to 12 separate installments, without charging any additional fee for it. The recommended policy period is one year, but it is also possible to purchase it for half a year. Regardless of the chosen number of payments, the price does not change and does not affect the policy coverage in any way.

The most convenient way to keep track of your Extreme policy is in our mobile app under the "Policies" section, where you will see all your active and inactive insurance policies. If you purchased the policy on the website or through our consultant, you will find the policy term in the contract. If you're still unsure, feel free to call 82222, and our team will help you understand your policy terms!

If an accident has occurred, for example, you have sustained an injury during extreme activities, it is important to seek qualified medical attention immediately, but no later than within 24 hours, and to follow the doctor's instructions. If you need advice on what to do next, contact our specialists by phone at 82222 or, if the incident occurred abroad, by phone at +371 20 68 2222. In critical cases, call an ambulance and contact the Balcia 24-hour assistance center as soon as possible. Remember to keep all documents confirming your treatment expenses!

We understand that life brings different scenarios and there may come a time when the policy is no longer needed. You can cancel the policy quite simply – using our mobile app, website, by calling 82222, or by contacting your insurance broker. If you have already paid for the policy in advance, we will refund the remaining amount. Moreover, there will be no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer an Extreme Accident Insurance policy with the fewest exclusions on the market, providing broad risk coverage: injuries sustained during extreme sports activities or while working a dangerous job, medical expenses and hospital allowance, as well as disability and death case risks.

Here are some of the benefits that our existing clients appreciate the most:

• Extreme sports activities: we pay compensation for injuries sustained while engaging in extreme sports or working a dangerous job.
• Broad injury coverage: from a sprained ankle and a lacerated wound to animal bites, broken bones, and even tick-borne encephalitis! Hospital daily allowance: we pay compensation for each day spent in the hospital due to an injury sustained.
• Safety in training and tournaments: we cover expenses for injuries sustained during professional sports training and tournaments worldwide.

Of course, Balcia Extreme Insurance provides security both in Latvia and anywhere else in the world. Regardless of whether you go on extreme adventures in Latvia or abroad, we will always be by your side! Moreover, the insurance operates around the clock, no matter which corner of the world you are in!

Of course! Balcia Extreme Insurance is also valid during professional sports training and competitions, offering security worldwide 24/7. This means you can be confident in your Balcia safety cushion at any time and place, regardless of whether you are participating in amateur sports competitions or training at a professional level. Extreme Insurance also applies to professional athletes whose primary occupation is the specific extreme sport. Balcia Extreme Insurance is a perfect choice for anyone who engages in extreme sports both at a hobby and professional level!

Imagine not having to worry about accidents that can happen to you or any of your family members. A child accidentally breaks a vase in a store, or a water pipe bursts in your home and floods the neighbors. There are many such examples, because life truly is full of surprises!

With Balcia Civil Liability Insurance, you will be protected from lengthy discussions with the involved parties, because we compensate the resulting damages! Simply put – we insure your liability towards other persons, their health, and property!

We offer two types of Civil Liability Insurance:

Private person civil liability: insurance for you and your family member, covering incidents involving harm to another person's health or property as a result of accidental everyday activities, such as caring for family, studying, doing sports, entertaining, or hosting guests.

Real estate owner civil liability: insurance for you or a family member who manages the household, such as yard, sidewalk, roof, stairway, or other maintenance, cleaning, and routine repair work. Importantly, this type applies only to work on properties that do not require a building permit.

Choose the one that suits you best and leave the worries to us! If you wish, you can purchase a combo of both policies!

You have several options. The first and most convenient way to purchase and pay for the policy is through the Balcia mobile app. To calculate the price, you need to choose the insured sum, deductible, policy period, and specify the number of insured persons. Then choose which of the two civil liability insurance types you need (you can also choose a combo!), and within a few seconds, you'll receive the best price offer just for you! The second option is to purchase the Civil Liability Insurance policy on the Balcia website, where the process is similar to the app. The third is to contact our knowledgeable customer service specialists by phone at 82222 or by email at balcia@balcia.lv. You can also purchase the Balcia Civil Liability Insurance policy from our cooperation partners – insurance brokers.

Yes and no! After you have received the best price offer, you can choose – to pay in full right away or split it into several payments. We offer to split the payment into up to 12 separate installments, without charging any additional fee for it. Regardless of the chosen number of payments, the price does not change and does not affect the policy coverage in any way.

A deductible is a portion of the insured sum or the loss amount, expressed in monetary terms or as a percentage, which is paid by the policy owner – that is, you – when an insurance event occurs. We cover the remaining amount!

MTPL, or Motor Third Party Liability Insurance, is mandatory for all motorized vehicles participating in road traffic. This means that if you are an owner of a car, electric car, or motorcycle, you need an MTPL policy. On the other hand, civil liability insurance is a voluntary insurance that includes protection against damages caused to third parties in everyday life or while performing household management tasks.

The most convenient way to keep track of your Civil Liability Insurance policy is in our mobile app under the "Policies" section, where you can see all your active and inactive insurance policies. If you purchased the policy on the website or through our consultant, you will find the policy term in the contract. If you're still unsure, feel free to call 82222, and our team will help you understand your policy terms!

We understand that life brings different scenarios and there may come a time when the policy is no longer needed. You can cancel the policy quite simply – using our mobile app, website, by calling 82222, or by contacting your insurance broker. If you have already paid for the policy in advance, we will refund the remaining amount or transfer it to another Balcia policy. Moreover, there are no hidden costs for canceling the policy! Simple and transparent!

We are proud to offer a Civil Liability Insurance policy with the fewest exclusions on the market, providing broad risk coverage: damages caused to third parties, everyday activities of you and your family members, holiday rental properties / car rental, damages caused by pets, and many others.

Here are some of the benefits that our existing clients appreciate the most:

• Real estate owner liability: if, while managing property or performing repair work, you accidentally cause damage to other people's property or health, we cover the losses.
• Damages caused by pets: your dog or cat accidentally damaged a neighbor's property? No worries – we compensate the resulting damages.
• Private person everyday liability: did you accidentally cause harm to someone else during active recreation or damage someone else's property? We will take care of those losses!
• Unmanned aerial vehicles (drones): if your drone accidentally causes harm to someone else or their property, our insurance covers the resulting damages.
• Vehicle rental: if, while renting a vehicle, you accidentally damaged it, Balcia will be your helper in this situation as well!

Yes, our Civil Liability Insurance policy includes all your family members who live in the same household. This means that if you live together with children, the policy also protects their liability. However, the liability of your grandparents, who live at a different address, is in their own hands! Or in yours, if you decide to give it to them as a practical and quite useful gift, because anything can happen in life!

Of course, Balcia Civil Liability Insurance provides security not only in Latvia but also elsewhere – depending on which territory you chose when purchasing the policy (Latvia, Europe, or Worldwide). Thus, regardless of whether you go on adventures in Latvia or abroad, we are always by your side! Moreover, the insurance operates around the clock, no matter which part of the world you are in!

Yes, because our four-legged (and not only!) friends are also our family members! Balcia Civil Liability Insurance also covers cases when your pet causes damage to a third party or their property. For example, if your dog accidentally damages a neighbor's fence or your cat wreaks havoc in a friend's garden, you can rest easy – the insurance will protect you from unnecessary expenses.

Yes, Balcia Civil Liability Insurance also covers these types of damages. If during your holidays you have a mishap with a rental car or accidentally cause damage to a hotel room, we will make sure you don't have to cover these expenses out of your own pocket! Together with you both in everyday life and on vacation!

With us, it's easier than easy! You can choose the most suitable solution for you:

• The fastest and most convenient way to file a claim is in our mobile app by pressing the + sign. Then select your civil liability insurance policy and submit the claim!
• On the Balcia website, you can file a claim by going to the "Claims" section – choose the product and fill out the form!
• You can also call our outstanding customer service specialists at phone number 82222.
• Contact your insurance broker, who will help initiate and handle the insurance claim process!

To file a claim via the app or website, you need to fill in information about the incident – date, time, address, as well as describe the circumstances of the event.