MOD insurance

Who needs
MOD insurance?

MOD insurance is required for all vehicle users who want to avoid unexpected loss due to vehicle damage, robbery or theft. If you have Compensa MOD, you don’t need to worry about unexpected troubles, as we offers different insurance options tailored to your needs.

What are the benefits?

We indemnify for damage caused by a vehicle accident, theft or damage caused in a parking lot, collision with wild animals and in many other cases. With all-risk-insurance you will be protected from all of this and more!
Payment in installments
We offer our customers to pay the CASCO fee in several installments, for example, in 4 or 12 installments.
24-hour technical assistance and advice
Call +371 67558888 to arrange technical roadside assistance and receive advice.
Customer centers throughout Latvia
Purchase insurance policies at Compensa customer service centers in Latvia

What are the benefits?

Learn more about Compensa MOD

Significantly wider insurance coverage - Compensa all-risk-insurance

Compensa MOD is an All Risk MOD insurance, covering a wide range of risks, including:


  • Losses caused by damages resulting from a vehicle collision,
  • Losses caused to the vehicle by other persons,
  • Glass damage,
  • Tire and wheel damage,
  • Damage caused by falling objects and natural disasters,
  • Fire damage (including as a result of a short circuit),
  • Damage caused by animals,
  • Damage caused by flooded roads,
  • Losses caused by driving off public roads,
  • Vehicle theft or robbery,
  • Damage to the vehicle body, alloy wheels, tires, lights, windshield and mirrors during the repair, servicing, washing and/or cleaning of the vehicle at a specialized service provider,
  • Insurance is valid also on a ship or ferry, as well as during the transportation of the vehicle by another vehicle carried out by a company authorized to carry out transportation or vehicle haulage services in accordance with the applicable laws and regulations,
  • Damage or theft of the vehicle tires, in case it is not possible to obtain a tire that identical to the damaged or stolen tire, we will compensate the losses so as to ensure that two tires with the same tread pattern are mounted on a single axle of the vehicle.


In addition, you can choose specific risks, you wish to insure, for example, provision of a replacement vehicle, zero excess for glazing, protection against losses resulting from hydraulic shock and other risks.

Collision with a vehicle or animal without excess

Our customers may use a special advantage offered only by Compensa - even if an excess is provided for in the policy, you will be exempt from paying excess in case of a vehicle collision with another vehicle (even if you are responsible for the collision) or an animal.

Glazing insurance without excess

We will indemnify any losses resulting from the damage to the windshield, side or rear windows of the vehicle caused by a third party, temperature changes or objects (for example, stones) lifted from the road surface, without paying excess, even if the policy provides excess payments.

Replacement vehicle

In the event of damage or theft of the vehicle, we will make sure that you are provided with or compensated for a vehicle of an equivalent class from day one.

24-hour technical assistance

We will save your time in the search of a roadside technical assistance - we will take care of that by involving technical specialists who work quickly and skillfully:

  • Determination of vehicle defects,
  • Starting the engine with start wires,
  • Replacing the wheel with a vehicle’s spare wheel,
  • Delivery of fuel in case of sudden shortage,
  • Troubleshooting anti-theft equipment,
  • Opening of locked doors,
  • Automatic gearbox unlocking and other minor repairs,
  • Evacuation of the vehicle from the scene of the accident,
  • Transportation of the vehicle passengers from the scene of the accident.
Personal property insurance and sports equipment insurance

We will cover the losses associated with the theft of a laptop and/or tablet from the interior or luggage compartment of the vehicle, as well as the losses caused by theft of non-integrated navigation equipment, children’s car seats, baby carriers, active leisure equipment and/or the damage thereof in a road traffic accident.

Special repair conditions

If you select this risk, the vehicle repairs after an insured event will be carried out with new spare parts by such repair service providers in the Republic of Latvia who are entitled to perform repairs during the vehicle warranty period, including by your dealership.

Other additional risks
  • Driver and passenger accident insurance,
  • Zero excess for replacing registration documents and number plates,
  • New value insurance,
  • Hydraulic shock,
  • Key recovery in case of theft,
  • Risk of inadequate refueling.

Technical assistance on the road

Telephone consultation

Professional consultation by phone on what to do in case of vehicle damage or after an insured event.

Technical assistance on the road

Qualified specialist will arrive on the scene of the accident and repair any damages:

  • Detection of the defect,
  • Starting the engine with start wires,
  • Replacing the wheel with a vehicle’s spare wheel,
  • Delivery of fuel in case of sudden shortage,
  • Prevention of anti-theft equipment problems due to road conditions,
  • Opening of locked doors,
  • Automatic gearbox unlocking,
  • Other minor repairs, for example, replacing broken glass with film, prevention of cooling system leaks or refilling, defrosting of door locks, fixing bumpers, exhaust systems and other parts.
Vehicle evacuation

If due to technical reasons it is not possible to use the vehicle, the vehicle will be taken to the nearest repair shop. Outside the working hours of the repair shops - to the nearest guarded parking lot of this repair shop.

Transportation of the vehicle passengers

Transportation of the driver and passengers to a designated location within 30 km from the location where the vehicle was damaged.

Replacement of a damaged vehicle

If the vehicle cannot be repaired within one business day, we will provide a replacement vehicle for the period while the damage to the insured vehicle preventing it from participating in road traffic is repaired, but not exceeding 3 days.

Customer support and purchase of insurance policy
24/7 support phone
Customer service centers