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Yes, you can certainly cancel a valid insurance policy and get a refund for the unused portion of the premium. However, the final refund amount depends on how you decide to handle the remaining balance: If you want the money refunded to your bank account: The insurance company will calculate the premium for the unused period and may deduct a policy administration fee from it (subject to the company’s rules). If you transfer the balance to another car: If you decide to use the unused amount to purchase another insurance policy with the same insurance company, an administrative fee is usually not charged. This allows you to keep the entire remaining portion of the premium. Important: The easiest way to cancel the policy is by selling the car, changing ownership, or submitting documents confirming the vehicle’s disposal. To begin the cancellation process, contact us by email at draudimas@draudykle.lt, and we’ll help you get everything sorted out as quickly as possible.

Yes, someone else can pay for your insurance policy. If you’re making the payment via direct bank transfer, it’s very important to include the order number you received by email along with your order confirmation in the payment description. This will help the system identify the payment more quickly and activate your insurance. If you use the quick payment links on our website, the payer should simply log in to their online banking account and confirm the generated payment.

Your insurance policy will be prepared and sent to the email address you provided as soon as we receive confirmation of payment: When paying online or by card: You will usually receive the documents in as little as 15 minutes, and no later than 1 business hour. Mail delivery: If you purchased mandatory auto insurance and selected physical delivery of the documents, we will send the policy via standard or certified mail to the address you provided. Tip: If you made a payment online but don’t see the documents in your inbox after an hour, be sure to check your “Spam” or “Promotions” folders.

Don't worry—mistakes happen, and we can correct them. If you notice that you entered incorrect information in the calculator, please let us know as soon as possible by emailing info@draudykle.lt. We will contact the insurance company to correct the information in your policy. If correcting the error results in an overpayment of your premium, we will refund the excess amount to your account upon your request. Most importantly, please notify us before the insurance coverage begins or as soon as you notice the error to avoid any issues regarding the policy’s validity in the event of a claim.

Yes, an insurance policy received by email and saved on your phone is a legally valid document. When traveling within Lithuania, you do not need to present a printed copy to law enforcement officers—it is sufficient to provide your vehicle’s license plate number, which they can use to verify your valid coverage in the database. However, we recommend keeping the policy on your phone (e.g., in your email or as a photo) so that you can quickly check its terms or expiration date if needed. Important: If you plan to travel outside the European Union (where a Green Card is required), some countries may still require you to have a printed copy of the document.

KASKO is a voluntary vehicle insurance policy that, unlike mandatory insurance, specifically protects your car, regardless of who caused the traffic accident. With CASCO insurance, you can expect compensation for damages in the following most common situations: Traffic accidents: Even if the accident was your fault. Acts of God: Damage caused by storms, hail, floods, fallen trees, or lightning. Theft and vandalism: Theft of the vehicle or its parts, as well as intentional damage caused by third parties. Other risks: Fire, explosion, or collisions with animals on the road. Additional benefits: Along with comprehensive auto insurance (KASKO) through the Draudykle.lt system, you often receive the following additional coverages: 24/7 roadside assistance, a replacement vehicle during repairs, and accident insurance for the driver and passengers.

The insurance premium is not fixed and is recalculated each year. The main reasons why the price may have changed (increased or decreased) are as follows: Driving history: If you were at fault in a traffic accident last year, this increases the financial risk to the insurance company, which directly raises the insurance premium. Conversely, if you drive responsibly, you can expect a better rate. Changes in your information: The price changes if you’ve purchased a different car, your place of registration has changed, or you’ve indicated that people with less driving experience will be driving the car. Market trends: Insurance premiums depend on the overall market situation: increases in average repair costs, parts prices, or a rise in the frequency of accidents in the country. Driver’s Age and Experience: Insurance companies assess risk differently for certain age groups, so even increased driving experience can open the door to new, more affordable offers. Tip: Since each company assesses risk according to its own methodology, the best way to avoid overpaying is to compare offers from all insurers every year using the calculator on Draudykle.lt.

You must specify the youngest driver and the driver with the least driving experience in order for your insurance coverage to be fully valid. Insurance companies assess risk and pricing based on the driver who poses the greatest risk. If a traffic accident is caused by a person who is younger or has less driving experience than specified in the policy: Financial Liability: The insurance company may exercise its right of “recourse.” This means that it will pay the damages to the victim but will later have the right to recover all or part of the amount from you (the car owner). Policy Invalidity: Some additional services (e.g., roadside assistance) may be restricted. Tip: If you plan to let a family member or friend with less driving experience drive your car at least once, be sure to specify that person’s age and experience in the calculator. This may slightly increase the cost of the policy, but it will protect you from thousands in losses in the event of an accident.