Professional technical help on the road is provided to owners of the KASKO policies of the Seesam KASKO.
The technical assistance service may be contacted by phone No. +371 67 567 492. The service provides urgent consultation or, if necessary, arrives to the customer whose car needs an immediate assistance on the road.
The offer applies to both natural and legal person-owned passenger and goods vehicles with a gross weight not exceeding 3.5 tons.
Owners of “Standard KASKO” policies issued by the Seesam may receive the said services free of charge.
Vehicle substitution with a rental car during the repair period
If in the result of a KASKO accident the insured vehicle is incapable to participate in the road traffic and must be repaired, Seesam
Payment of towing costs
If after a KASKO accident it is necessary to use towing services, Seesam shall bear these costs. The amount of the costs is set to be 5 % of the vehicle insurance amount, however, not more than LVL 200 for one event. If this service has been used several times during one insurance period, the same conditions shall apply without any additional restrictions – this service may be used repeated times.
Compensation of loss in the result of damage caused to the vehicle by a weight that has fallen onto the vehicle, or if the vehicle has fallen into a hole
Seesam shall compensate loss caused to the vehicle by a weight (such as an icicle) that has fallen onto it. Similarly, the Company shall compensate loss caused to vehicle in the result of falling into a hole, such as broken tire, bent wheel, damaged painting.
Vehicle driver and passenger accident insurance in amount of
If a traffic accident has resulted in injury of the vehicle driver and/or passengers, Seesam
For new cars, coverage of new vehicle value is included in the insurance contract without additional charge in the year of purchase of the vehicle
New vehicle value is an amount of money required for purchase of a new vehicle of the same brand and model and having equivalent equipment.
If in the KASKO policy there is a note „New vehicle value insured”, Seesam shall, in the case of a theft or full destruction of the vehicle, cover costs of purchase of a similar, completely new vehicle, not taking into consideration the actual depreciation of the vehicle or the market price thereof prior to the theft or destruction.
Insurance of additional equipment
The Standard KASKO insurance offer of the Seesam includes possibility to insure also additional equipment that is not included in the standard equipment provided by the manufacturer, such as communication systems, audio equipment, extra lights, flashing lights, alloy wheels, front metal bumper, roof rack, promotional stickers and other ancillary installations and accessories.
Maximum insurance amount of additional equipment is 20% of the value of the vehicle.
Possibility to extend the policy validity territory to the CIS countries
Standard KASKO policies of Seesam are valid in the territory of Europe (Latvia, Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Finland, Iceland, Italy, Great Britain, Lithuania, Liechtenstein, Luxembourg, Macedonia, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia and Montenegro, Slovakia, Slovenia, Spain, Switzerland, Hungary, Germany, Vatican, Sweden).
Additionally, upon request of the customer, it is possible to extend the policy validity territory to the CIS countries (
Deductible for the windshield is 0%, if it is replaced by our collaboration partners.
Deductible is 0%, if the owner of the KASKO policy has not caused the traffic accident and if the person who caused the traffic accident has been identified
Seesam
Deductible applied after the first insured event is 0%.
In a number of cases the Seesam
Additional conditions to apply the deductible of 0 %:
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if the customer has insured his/her vehicle in the JSIC Seesam
Latvia in two years and has not submitted any KASKO insurance claim during this period; -
if the MTPL Bonus-Malus class of the customer is 15 or higher.
This offer is not valid for cases when the vehicle is completely destroyed or stolen.
Possibility to reduce the policy price if the vehicle user’s age is specified
If the vehicle will be driven by a person who is at least 30 years old, then, specifying precise age of the driver in the insurance contract, the KASKO policy price may be reduced by up to 20%.
If payment for the policy is made by a single payment, you get a 10% discount
Accidents may be reported online
Customers have the opportunity to save their time and resources and complete an insurance claim form on the website of the Seesam here.
Repair estimate up to 1
If the customer has submitted all the necessary documents and if the repair estimate does not exceed 1
Indemnity is paid within five working days following the decision date
If the customer has reported an insured event and agreed the insurance indemnity amount with the Seesam, the Seesam shall pay the indemnity within five working days after the decision date.
The insurance indemnity amount is not limited also in cases when the police has not been called to the accident place
The Traffic Regulations contain provisions specifying, in which cases a traffic accident must be reported to the police and in which cases it is not necessary to inform the police.
Cases when the police should not be called to the accident place:
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if the only damage to the vehicle is a damage to windshield or headlights, and if this damage has been caused by a stone or another item lifted from the carriageway by another vehicle;
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if the accident is insignificant and if after that an Agreed Statement has been filled in;
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if only one vehicle has got damage in the result of the accident, if no person is injured, if no damage to property of third parties is caused, and if the damages caused to the vehicle are not so serious that would prohibit further participation of the damaged vehicle in the road traffic.
Seesam does not limit the amount of indemnity to be paid out, regardless of the severity of the damage to the vehicle, also in cases where a traffic accident should not be reported to the police.
KASKO insurance conditions advantageous to customers
Seesam
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Crossing an intersection at an unpermitted light signal or signal shown by traffic constable;
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Driving contrary to the specified traffic direction;
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Overtaking in an unpermitted place;
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Non-observance of the requirements of the traffic sign "STOP”;
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The driver has ignored the ban of talking on the phone when the vehicle was in motion;
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Aggressive driving (in the meaning of the Latvian Administrative Violations Code).
No requirement to keep the insured vehicle in a guarded parking lot at night time
Seesam does not specify any restrictions as to the location and time of parking of the vehicle.
Cover of a number of additional risks may be included in the KASKO insurance contract of the Seesam.
Accident insurance of vehicle driver and passengers
Seesam covers costs of the vehicle driver and/or passengers, if the accident has resulted in an injury, trauma, disability or death.
Insurance of new vehicle value
Seesam covers costs of purchase of a similar new vehicle if the insured vehicle is destroyed or stolen.