Casco insurance

Protection against the most expensive losses to your car. We explain what comprehensive insurance is, why you need it, and how it differs from compulsory insurance.

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What is comprehensive insurance?

Casco insurance (CASCO) is a voluntary vehicle insurance designed to cover damages to your car. Unlike mandatory Motor third party liability insurance (MTPL), which compensates for damages to other road users, casco insurance compensates for damages to your car – even if you are at fault.

Casco insurance may cover the following risks:

Traffic accidents, accidents (including cases of at-fault),
Theft or attempted theft,
Vandalism, intentional damage,
Natural phenomena (rain, hail, fire, falling trees)
Collision with animals
Other unforeseen events that caused damage or destruction of the car

Can any car be insured with comprehensive insurance?

No. Most insurers apply certain restrictions, such as:

Age restrictions – cars older than 10-15 years are often not insured

Make, model, modification – insurers do not insure certain models (powerful, sporty, special purpose, more frequently stolen) or impose special additional requirements (e.g. improved anti-theft system, or higher than standard deductible)

Purpose – transportation, driving lessons, rental, etc. may not be covered.

Origin – most insurers ask you to indicate if the car was imported from the US market. Failure to disclose this information may result in a reduction or denial of coverage.

What is important to know about the franchise (deductible)?

The deductible is the part of the damage that the insured person bears. It can be expressed as:

A specific monetary amount, for example €200 – this means that if the damage is €1,000, the insurance company will pay €800

Expressed as a percentage, for example, 10% of the damage amount – this means that if the damage amounts to €2,000, the insurer will compensate €1,800, and you will pay €200 yourself.

Some offers may apply a combined deductible, for example 5% but not less than €150.

The lower the deductible, the higher the insurance price. It is important to weigh up what risk is acceptable in your case.

Does comprehensive insurance cover any breakdown?

No. Casco insurance is not a guarantee for car repairs or maintenance. It does not cover:

Natural wear and tear or mechanical failures (e.g. engine, gearbox, brakes);

Electrical or electronic defects that occurred not due to an incident;

Consequences of improper operation;

Previous defects, if they have not been repaired;

Situations where the car was left unlocked or unsecured.

The insurance company may also refuse to pay the benefit or reduce it if the vehicle was technically unsound (when its operation is prohibited by law), the vehicle was driven by a drunk or intoxicated person, as well as if the driver did not have the right to drive this type of vehicle, and other cases. Therefore, it is necessary to carefully read the rules of transport insurance and follow them.

What does "Man Ramu" currently offer?

Currently, it is not yet possible to purchase comprehensive insurance online on the “Man Ramu” insurance platform, but if you want to compare possible offers by email,

Write to us – we will send you a personalized insurance offer.

When is it worth choosing comprehensive insurance?

Casco is especially valuable if:

Is your car newer or more expensive?

You drive it every day – city traffic poses more risks

You bought a car on installments or through leasing – comprehensive insurance is often required

You want peace of mind that even if a disaster occurs, the losses will not be a financial burden.

If you’re considering comprehensive insurance, start with information. Find out if your car qualifies for comprehensive insurance, what the limitations may be, and what protection you can get.

Casco insurance rules

Balcia vehicle insurance rules

BTA vehicle insurance rules

Compensa vehicle insurance rules

Ergo vehicle insurance rules

Gjensidige vehicle insurance rules

Lietuvos draudimas vehicle insurance rules

Casco insurance information documents

Balcia Motor Insurance Information Document

BTA Motor Insurance Information Document

Compensa Motor Insurance Information Document

Ergo Motor Insurance Information Document

Gjensidige Motor Insurance Information Document

Lietuvos draudimas Motor Insurance Information Document

F.A.Q.

Purchasing insurance on the “Man ramu” Insurance platform is easy, but we understand that you may still have various questions.

Are compulsory and comprehensive insurances concluded in one contract?

No. Compulsory Motor third party liability insurance (MTPL) and comprehensive insurance are two different contracts. The former is mandatory by law, while comprehensive insurance is voluntary. Some insurance companies allow them to be purchased together as a “package”, but legally they are still separate insurance products.

Is it necessary to take out compulsory and comprehensive insurance with the same insurance company?

No, this is not required. You can have compulsory insurance with one company and comprehensive insurance with another. However, if you take out both insurances with the same insurer, discounts and simpler claims administration are often available, as all information is in one system.

Do compulsory and comprehensive insurance have to start on the same day?

No. They can have different start dates. Compulsory insurance must be in force at all times if you use the car on the road. Casco insurance can be started at any time – for example, when you buy a new car or simply for additional protection.

If I have compulsory and comprehensive insurance, where is the roadside assistance service?

Some insurance companies provide a free minimum assistance package with compulsory insurance, but more extensive assistance (e.g. fuel delivery, replacement car) is usually included in the comprehensive insurance contract or offered as an additional supplement. It is worth checking the specific conditions.

What is a deductible in comprehensive insurance?

The deductible is the part of the damage that you pay yourself. It can be a fixed amount (e.g. €200) or a percentage (e.g. 10% of the damage amount). Some offers apply a combined deductible, for example 5% but not less than €150. The lower the deductible, the higher the insurance price.

Can comprehensive insurance be taken out for all cars?

No. Insurers often no longer insure cars older than 10-15 years.

Is comprehensive insurance valid abroad?

Yes, most comprehensive insurance contracts are valid not only in Lithuania, but also in other European countries. The exact territory of validity is indicated in the insurance certificate, so it is necessary to check this before traveling.

Does comprehensive insurance cover all car breakdowns?

No. Casco does not cover natural wear and tear, mechanical failures, electrical defects or the consequences of improper operation. Insurance protection applies only against specific events – accidents, theft, vandalism or natural disasters.