MOD (Motor Own Damage) insurance
MOD protects against losses in unpredictable situations like road traffic accidents, theft of a car or from the car, as well as damage caused by natural disasters.
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We offer a 2-year warranty on all repairs of the car and assume 100% responsibility.
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The widest choice of car service centres – more than 200 car repair companies are BALTA partners.
Select the insurance cover that suits you best
| Insurance coverage | Silver MOD | Gold MOD | Platinum MOD |
|---|---|---|---|
| Collision with an animal | |||
| Collision with an animal | |||
| Natural disasters | |||
| Natural disasters | |||
| Falling objects (stones, chestnuts, etc.) | |||
| Falling objects (stones, chestnuts, etc.) | |||
| Car theft | |||
| Car theft | |||
| Theft of car parts (mirrors, headlights, etc.) | |||
| Theft of car parts (mirrors, headlights, etc.) | |||
| Collision with another vehicle | |||
| Collision with another vehicle | Additional | ||
| Collision with an obstacle, pedestrian | |||
| Collision with an obstacle, pedestrian | |||
| Driving off the road | |||
| Driving off the road | |||
| Fire, explosion | |||
| Fire, explosion | |||
| Any sudden and unexpected damage (All Risk Coverage) | |||
| Any sudden and unexpected damage (All Risk Coverage) | |||
Extra coverage options for peace of mind
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Car replacement
Car replacement option, if you have purchased the appropriate BALTA MOD policy coverage:
- rental car – from BALTA partners, according to the limit of the number of days of use of the replacement car specified in the policy. The rental car will be delivered or picked up at a place of your convenience;
- taxi services – within the limit of the number of days of replacement car use indicated in the policy, without exceeding EUR 20 per day;
- shared vehicles (cars, bikes, electric scooters) – within the limit of the number of days of replacement car use indicated in the policy, without exceeding EUR 20 per day.
Book a rental car by calling 67533375.
For taxi services or shared vehicle use within the limit, submit your claim on the website, in the app, or by calling 67533375.
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Accident insurance
If you choose the extra coverage "Accident insurance", then – in the most serious accidents, where not only the car but also its driver or passengers are injured, BALTA will pay indemnity for:
- temporary work incapacity or the period of time during which the injured person will be unable to carry out their work duties;
- medical expenses, for instance, outpatient or inpatient therapy, as well as medicines prescribed by the physician;
- injuries or health problems directly caused by the accident;
- disability, if the impairment caused by the accident is permanent;
- the death of the injured person.
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24-hour roadside assistance
The options offered by the Roadside Assistance service, if your car has been damaged in an accident or cannot continue on the road because of a defect:
- telephone advice, including help with completing the European Accident Statement;
- on-site technical assistance, for instance, replacement of a wheel or opening of jammed doors;
- towing to a service station, if help cannot be provided on site;
- a taxi service to take the driver or passengers to their destination;
- hotel expenses, if the accident has occurred outside Latvia.
Apply for the "Roadside assistance" service on the website, in the app, or by calling 67533375.
Submitting a claim
BALTA offers a comprehensive MOD insurance coverage and a competent and fast procedure for handling your claims. Our claims team will make sure that the affected vehicle is back in working order as soon as possible.
- In 50% of cases, the decision regarding the repairs of a car is made within 1 day
- The widest choice of car service centres – more than 200 car repair companies are BALTA partners.
Submit your claims quickly and easily via the app, on the balta.lv, or by calling 67533375.
Follow the progress of the case for your claim by logging in to balta.lv or the "My BALTA" section of the app.
What do I do after an incident?
- Make sure you and other people in the vehicle are safe!
- Prevent the damage from getting worse!
- Inform the authorities in charge:
• State Police – if your vehicle has been stolen or stolen from, or if a third party has damaged it intentionally or unintentionally.
• Municipal Police – if the damage to the vehicle has been caused by falling objects due to the negligence of a third party, e.g., snow or ice falling from the roof of a building.
• State Fire and Rescue Service – if the damage to the vehicle has been caused by fire or explosion.
• Traffic Police – if the accident has caused injury to persons, damage to the property of a third party or damage to a vehicle that prevents or prohibits it from being used in traffic. - Report the accident to BALTA and claim the insurance proceeds within 3 working days.
Frequently asked questions
Yes, the payment of the premium can be split into 2, 4, 6, or 12 instalments.
For most cars, the factory-installed anti-theft devices should suffice for a contract. Owners of more expensive cars, which are particularly popular with thieves, may be asked to install an additional security system.
- If no one was injured or killed in the traffic accident.
- If there was no damage to the property of a third party.
- If only two vehicles were involved in the accident.
- If the vehicles did not suffer damage that prevents or prohibits them from continuing their trips.
- If the drivers agree on all the key circumstances of the accident.
BALTA does not make it mandatory to report an accident to the police if this is not required by the Road Traffic Regulations.
- If the accident involves one vehicle and no third party or property of a third party is damaged.
- If the vehicle has been damaged by an object picked up from the road, such as a stone, the driver can leave the scene.
Practical and reliable information about keeping your family, health, home, car, and other valuables safe at BALTA Safety Academy!