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Car Insurance

If you have bought or plan to buy a new or used car, we will take care of its insurance. In cooperation with If P&C Insurance AS Latvijas filiāle we offer special terms for CASCO and MTPL insurance.

We offer special terms for CASCO insurance policy:

  • A special price offer;
  • Possibility to split insurance premium in 12 payments for free, saving 5% of the insurance premium;
  • The fee for the CASCO insurance policy is included in monthly leasing payment;
  • Insurance is valid in Europe without an additional cost.

CASCO insurance will cover the unexpected costs incurred by your car:

  • In cases of damage (road accidents, driving in a bump, scratches, collisions with objects, falling objects, damaged caused by other individuals, fires, natural disasters, damage caused by birds or animals);
  • In cases of theft or robbery (theft or a robbery of the car or its parts, damaged caused to car from an attempted theft).

Comparison of SuperCASCO and SuperCASCO Plus

Insurance covers


SuperCASCO Plus

Collisions and other accidents

We cover expenses caused by:

  • Road accidents, driving in a bump or in water;
  • Falling trees, branches or icicles;
  • Car service, car wash or ferries;
  • We cover expenses even if the person guilty is not known.

Collision with an animal or an object

  • We cover expenses caused by a collision with an animal or accidents that happen by trying to evade an animal.

Window damage

  • No deductible when replacing windows at services of other partners. In other services – deductible 70 EUR;
  • We cover expenses from damage to windshield, side windows and rear windscreen;
  • No limit to replacement of windows. For example, if window is damaged 3 times, then you can replace it 3 times.


We cover expenses that arise from damaged caused by other individuals. For example:

  • Damages to car body;
  • Punctured tires;
  • Stolen mirrors, headlights, etc.

Fire accidents

We cover expenses caused by:

  • Fire;
  • Short circuiting;
  • Smoke and soot.

24-hour assistance

  • We provide 24/7 consultations and help on the road. For example, if you cannot continue driving because of an accident or any other reason;
  • We provide tow truck service;
  • We cover expenses of a taxi after an accident (up to 30 km).

Totalling a car

  • We cover the market value of the car if it cannot be repaired after an accident. Market value – the sum for which you can purchase the car on the day of the accident.

Natural disasters

We cover expenses caused by:

  • Hail;
  • Storms and floods;
  • Lightning strikes.

Driver and passengers accident insurance

After an accident the driver and passengers will be:

  • Compensated for medical expenses;
  • Compensated in the event of disability, death or temporary incapacity for work;
  • Provided with home adjustment if it is necessary.

Free replacement car

We provide replacement car:

  • From the first day of the accident until the end of repair if the car cannot be driven;
  • If the car is stolen or totalled.

Please note!
We will handle delivering the car to you without extra formalities.

Types of replacement cars:
Small class (A class) – Ford Fiesta, Skoda Fabia, Toyota Yaris, etc.
Compact class (B class) – Ford Focus, Seat Leon, Nissan Pulsar, Opel Astra, Toyota Auris, Kia Ceed, etc.

Small class


Compact class


New value insurance

In case of theft or totalling the car, we will compensate an amount equal to the sum paid for the car purchase.

Please note!
We offer this service for cars not older than 2 years with mileage of up to 60 000 km, if the car was purchased by an authorized dealer in the EEA countries and has only been owned or held by the insured or authorized user of the vehicle since the first registration.


Key theft or fuel mixing

We cover expenses caused by losing keys or restoring remote. Limit – 500 EUR.

Fuel mixing
We cover expenses caused by mixing fuel. For example, if you fill your car with diesel instead of gasoline. Limit – 500 EUR.



Insurance of luggage

We cover expenses caused by theft of luggage or damaged caused to it from accidents. For example, damage to bicycle that was fixed on the roof of the car, or laptop stolen from the car.

Limit – 1000 EUR.



Restoration of number plate



If you are using financing of SEB līzings and want to receive CASCO insurance offer from If P&C Insurance AS Latvijas filiāle, please contact If support team by calling +371 67094088 or write to seb@if.lv.

Your advantages by choosing CASCO from If P&C Insurance AS Latvijas filiāle:

  • Unlimited car replacement cover;
  • Insurance cover of If is valid even if your car is on a ferry, in an auto repair service, car wash or being transported;
  • No refused or reduced indemnity because of driving over the speed limit, unless it is stated otherwise in CASCO agreement;
  • CASCO is valid even if the accident was caused by unintentional violation of traffic rules, for example, running a red light or missing a stop sign;
  • No reduced indemnity if your car is stolen and the keys have been stolen from your house (there is evidence of intrusion);
  • Seasonal compliance of tires – CASCO is valid even if you have to use the spare wheel during winter;
  • No refused or reduced indemnity after collision with an animal in a location where there are traffic signs about the possibility of animals on the road;
  • No limit for the transportation of your car after an accident in Latvia. Abroad the limit is 700 EUR;
  • We cover the expenses of water damage to engine. The limit is 5000 EUR;
  • CASCO insurance covers expenses caused by theft of car keys or mixing fuel.

Before renewing CASCO insurance policy, please verify that it meets the following criteria:

  • The sum insured is not less than the market or renewal value of Rental object;
  • Insured risks: vehicle damage (road accidents, fires, natural disasters, etc.), robbery, illegal activities of third parties and death;
  • SIA “SEB līzings” (registration number 50003334041) is indicated as the beneficiary of the Insurance indemnity, for which insurance indemnity is paid in the amount of unfulfilled leasing/credit obligations upon occurrence of the insured event;
  • Deductible is set by you, but it cannot exceed 140 EUR basic deductible for damage and 20% of the insurance sum of Rental object in case of total loss, theft and robbery (vehicles with full weight up to 3500 kg).

Please send your CASCO insurance policy to or deliver it to any SEB branch.

In order to participate in traffic, owner of a car needs Motor Vehicle Owners' Compulsory Third Party Liability Insurance or MTPL.

MTPL insurance will protect the owner of the vehicle or its eligible user from unexpected costs and will compensate for the damage caused to the health, life and/or property of third parties as a result of a road accident. The MTPL insurance policy compensates the injured person for both material loss and non-material damage (moral damage) in accordance with the insurance limits specified in the MTPL Law.

If you are using financing of SEB līzings and want to receive MTPL insurance offer, please contact our Insurance IF P&C Insurance Latvijas filiāle by calling 67094088 or write to



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