A guide to buying car insurance online and a clear comparison: what TPVCAD covers, what KASKO adds, and what factors to consider—the car's value, age, and risks.
• 2025-11-06
Most drivers in Lithuania are well aware that compulsory third party liability insurance is essential to participate in public traffic.TPVCA. But the question often arises: is this insurance enough for all life situations, or is it worth taking out CASCO insurance as an additional cover? The answer depends on the type, value, age, frequency of use and, of course, your personal attitude to risk and comfort.
TPVCA (Third Party Vehicle Liability Insurance) is compulsory for everyone who participates in public traffic, whether they are cars, motorcycles, scooters or even ATVs. This insurance protects third parties against damage caused by you: if you are at fault in an accident, the TPVCA will cover the damages caused to others, from repairs to medical treatment or loss of mobility. However, it is worth bearing in mind that it does not fully cover damage to your own vehicle, so for example for motorcyclists, who are often exposed to higher risks, it becomes relevant tomotorcycle CASCO insurance.
CASCO is a voluntary car insurance that protects your property against a wide range of risks, including accidents (even if you are at fault), vandalism, theft, fire, natural disasters, accidental damage, collision with an animal or even lightning.
This means that even in the most unexpected situations, such as your motorcycle being damaged by a careless passer-by or a tree branch falling on your car, you can rest assured that you will be compensated and will not have to pay for the repairs yourself.
When you have a new, expensive or leased car or motorbike.
The cost of repairing a higher-value vehicle often exceeds several thousand euros, so even one small incident can become a financial burden.
When the vehicle is used frequently.
Daily commuting, regular parking in open parking lots or in big cities increases the risk - that's where CASCO insurance helps you feel more at ease.
When you live in an area with a higher risk of theft or vandalism.
Big cities or open parking lots increase the chances of your vehicle being hit.
When you have a more stolen car.
If you drive a BMW, Lexus or Porsche, CASCO is even more worth considering. These cars are often in the crosshairs of thieves because of their value, marketability and lower level of protection.
When your vehicle is older or of lower value.
If the value of the car or motorbike is already low, CASCO can cost as much or more than the potential damage.
When the vehicle is used very rarely.
For example, if your motorcycle is only used a few times a season, it might be worth taking the risk without additional protection.
When you are prepared to cover potential losses yourself.
If you have a reserve and are financially prepared for the unexpected, compulsory insurance can be a good option.
Yes, CASCO can cover not only cars, but also motorcycles, scooters, even some special ATVs and commercial vehicles. However, each type is subject to different conditions - for example, motorcycle CASCO is often more expensive due to the higher risk involved, as these vehicles are more vulnerable and are more likely to be damaged even when stationary.
The best way to choose the right insurance -compare offers. Using insurance comparison platforms such asDraudykle.lt, you can see TPVCA and CASCO offers from several different insurance companies in one place in minutes. This not only saves you money, but also allows you to choose the most suitable one in terms of terms and conditions, not just price.
1. Can I have only CASCO without TPVCA?
No. The TPVCA is compulsory for everyone who participates in public traffic. CASCO - additional protection.
2. Does CASCO always cover theft?
If you have not breached the terms of the Casco contract. You haven't left your car keys, car documents. In this case, the insurance has to cover the loss.
3. How much does CASCO insurance cost?
Prices vary widely and depend on the value of the car or other vehicle, age, location, driving experience and other factors, so it is best tocalculate and find out.
4. Can I take out a CASCO for the summer only or for a few months?
Some companies offer shorter periods, especially for motorcycles or seasonal vehicles.
5. Can I choose my own garage if I have CASCO?
Yes, some plans give you the freedom to choose the location of the repair, others work with a network of partners.
6. What if I have an accident and only have a TPVCA?
The TPVCA will cover damage to other people's cars, but you will have to pay for the repairs to your car or motorbike yourself.
7. Is it worth taking out motorcycle CASCO insurance?
Yes, if it's expensive, new or used every day. Motorcycles are often damaged even when stationary - so protection is worth considering.
