PRIVATE BUSINESS PRIVATE BANKING ABOUT THE BANK C REWARDS
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PRIVATE BANKING
ABOUT THE BANK
C REWARDS
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  1. Private customers
  2. For an active lifestyle

Insurances for an active lifestyle

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Services provided by Balcia Insurance SE, reg. no. 40003159840, legal address: Krišjāņa Valdemāra iela 63, Riga, tel. no. +371 2068 2222, email: balcia@balcia.lv.

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Simple insurance purchase

Buy insurance on the Citadele mobile app within a minute.

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Easy claims process

Submit claims in the Citadele mobile app.

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No additional fees

All costs included in the monthly fee.

Multi-trip travel insurance

If you are a frequent traveller, you may want to consider getting multi-trip travel insurance. This type of insurance covers you or/and your family for multiple trips within a year, even if you travel separately. You can enjoy peace of mind knowing that you are protected from financial losses in case of unforeseen events during your travels, such as:

  • Unexpected medical expenses, including COVID-19 related costs.
  • Delayed, damaged or lost luggage.
  • Flight delay or missed connection, trip cancellation, interruption or delay due to sudden illness or other reasons.
  • Flight delay or missed connection.
  • Cost of telephone calls to the insurer or emergency services.

Multi-trip travel insurance is valid for trips up to 90 days in duration. You are also covered for trips within Latvia, as long as you are more than 80 km away from your permanent residence and have booked accommodation for at least one night.

form-fill Multi-Trip Travel Insurance terms and conditions

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Insurance packages

Standard Premium
Individual 3.50 EUR/ month
Family 8.40 EUR/ month		 Individual 6.00 EUR/ month
Family 16.50 EUR/ month
Sports* yes yes
Extreme sports* - yes
Insured sum
Medical expense insurance 75 000 EUR 125 000 EUR
Emergency dental treatment or tooth damage 350 EUR 500 EUR
Medical aids 250 EUR 500 EUR
Luggage and personal property insurance 200 EUR 1000 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance - 500 EUR
Delayed luggage 100 EUR 400 EUR
Theft and robbery of cash 100 EUR 150 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 250 EUR 1000 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 10 000 EUR 20 000 EUR
Cost of telephone calls 250 EUR 500 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract - 1500 EUR
Third-party liability insurance 5000 EUR 10 000 EUR
Skiing insurance - 100 EUR
COVID-19 insurance

Medical expense insurance

 75 000 EUR 125 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 - 1000 EUR
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Standard
Individual 3.50 EUR/ month
Family 8.40 EUR/ month
Sports* yes
Extreme sports* -
Medical expense insurance 75 000 EUR
Emergency dental treatment or tooth damage 350 EUR
Medical aids 250 EUR
Luggage and personal property insurance 200 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance -
Delayed luggage 100 EUR
Theft and robbery of cash 100 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 250 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 10 000 EUR
Cost of telephone calls 250 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract -
Third-party liability insurance 5000 EUR
Skiing insurance -
COVID-19 insurance

Medical expense insurance

 75 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 -

Buy in app
Premium
Individual 6.00 EUR/ month
Family 16.50 EUR/ month
Sports* yes
Extreme sports* yes
Medical expense insurance 125 000 EUR
Emergency dental treatment or tooth damage 500 EUR
Medical aids 500 EUR
Luggage and personal property insurance 1000 EUR
Video, audio, photo, computer and similar equipment, electronics and their accessories, luggage and personal property insurance 500 EUR
Delayed luggage 400 EUR
Theft and robbery of cash 150 EUR
Trip cancellation, interruption, delay and missed trip connection insurance, flight delays insurance 1000 EUR
Compensation for new tickets at higher cost in the case of cancelled travel 50% of the ticket price difference, max. 200 EUR
Accident insurance (death, body injury) 20 000 EUR
Cost of telephone calls 500 EUR
CASCO insurance deductible coverage in accordance with vehicle rental contract 1500 EUR
Third-party liability insurance 10 000 EUR
Skiing insurance 100 EUR
COVID-19 insurance

Medical expense insurance

 125 000 EUR
COVID-19 insurance

Insurance against trip cancellation or interruption

 1000 EUR

Buy in app

* Insurance is not valid if you participate in competitions or sports as a professional athlete.

Extended warranty insurance

If you want to use household or electrical appliances for a longer period of time, you may need extended warranty insurance.

  • This insurance covers the repair costs of your products for one more year counting from the expiration date of manufacturer's warranty which is no longer than 2 years.
  • This way, you can avoid paying for expensive repairs or replacements and extend the life of your products. Plus, you can insure all the products you buy with your Citadele account during the purchasing period as indicated in your insurance T&C, not just one.
  • Insurance be valid as well for purchases which is bought in internet shop, 3 days before policy start day.

And the best part is, there are no deductibles.


form-fill Extended warranty insurance terms and conditions

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Insurance plans

Standard
2.75 EUR/ month		 Premium
5.20 EUR/ month
Insured amount 1000 EUR 5000 EUR
Buy in app Buy in app
Standard
2.75 EUR/ month
Insured amount 1000 EUR

Buy in app
Premium
5.20 EUR/ month
Insured amount 5000 EUR

Buy in app

Purchase insurance

The insurance covers losses occurring from damage or theft within 180 days of purchase. Important: the purchase must have been paid for from a Citadele account.

Insurance payouts will cover the cost of the purchase and serves as an additional guarantee if a purchase is:

  • partially damaged;
  • irreversably damaged;
  • stolen.

The insurance also includes price protection on, for example, electronics, mobile devices, everyday goods and home furnishings, and we will compensate the price difference if the store where you purchased the product reduces the price by more than €20 within 30 days of purchase.
Insurance be valid as well for purchases which is bought in internet shop, 3 days before policy start day.


form-fill Terms of purchase insurance

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Insurance plans

Standard
4.00 EUR / month		 Premium
7.00 EUR / month
Purchase theft, robbery or damage
(deductible 50 EUR, for electrical goods - 100 EUR)		 1000 EUR 5000 EUR
Price protection
(price difference must be at least 20 EUR)		 300 EUR 500 EUR
Buy in app Buy in app
Standard
4.00 EUR / month
Purchase theft, robbery or damage
(deductible 50 EUR, for electrical goods - 100 EUR)		 1000 EUR
Price protection
(price difference must be at least 20 EUR)		 300 EUR

Buy in app
Premium
7.00 EUR / month
Purchase theft, robbery or damage
(deductible 50 EUR, for electrical goods - 100 EUR)		 5000 EUR
Price protection
(price difference must be at least 20 EUR)		 500 EUR

Buy in app

City Combo

City Combo insures all types of scooters, segways, longboards, snowboards, bicycles and other unregistered alternative vehicles for use in Latvia all year round. Deductible not applied.

City Combo insurance payouts cover losses:

  • on your and your family's vehicles (both when moving and storing),
  • if you or your family member has an accident involving the insured vehicle,
  • if you are subject to civil liability (both when moving and doing everyday things).

Deductible not applied.


form-fill City Combo insurance terms

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Insurance plans

Standard
2.42 EUR / month		 Premium
3.25 EUR / month
Bicycle, scooter, etc.* 1000 EUR 2000 EUR
Collision 100 EUR 200 EUR
Accidents 1000 EUR 2000 EUR
Liability 1000 EUR 2000 EUR
Hospital allowance / daily 10 EUR 10 EUR
Buy in app Buy in app
Standard
2.42 EUR / month
Bicycle, scooter, etc.* 1000 EUR
Collision 100 EUR
Accidents 1000 EUR
Liability 1000 EUR
Hospital allowance / daily 10 EUR

Buy in app
Premium
3.25 EUR / month
Bicycle, scooter, etc.* 2000 EUR
Collision 200 EUR
Accidents 2000 EUR
Liability 2000 EUR
Hospital allowance / daily 10 EUR

Buy in app

* A mode of transport belonging to you or your family member which is not subject to compulsory registration.

Important

  • Purchase insurance if you are aged 18 or older.
  • Sign up for a year and cancel whenever you want. Insurance payments are taken automatically from your chosen account once per month.
  • You have the right to cancel your application within the first 14 days of applying. In this case, your insurance premium payment will be refunded.
  • Submit a claim through the Citadele app: More > Insurance > My insurance.
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How do I make a claim?

You can make a claim by filling in an application form in the Citadele app: More > Insurance > My insurance.

Do I have to register my bicycle to insure it?

You do not need to register your bicycle. 

What is price protection?

Balcia Insurance SE's purchase insurance policy covers the difference in price if the store where you purchased a product reduces the price by 20 EUR or more within 30 days of purchase.
The following cannot be take into account when calculating the price difference:

  • Gift cards, coupons, loyalty cards or employee bonus programmes;
  • Prices for service agreements, special financing or additional benefits (delivery, setup etc.);
  • Prices set if the seller becomes insolvent, goes into liquidation or is liquidated, the store is closed for reconstruction, or for prices set for cash purchases;
  • Special campaigns (such as Black Friday, end of the season etc.), sales;
  • Prices set for specific customer categories (club or association members, etc.). 

How do I make a claim if my bicycle is stolen or damaged? What documents do I need to make a claim?

If an incident occurs:

1. Contact the relevant authority to notify them of the incident (medical services, if there has been an accident; the police, if there has been a theft, robbery or traffic accident; the fire service, if there has been a fire; the emergency gas service, if there has been an explosion, etc.), take measures to avoid and reduce losses, ensure that the circumstances of the incident and any damaged objects are photographed or filmed, and contact Balcia Insurance SE as soon as possible.

2. If possible, submit the extent of damage to Balcia Insurance SE:

• If your property is damaged, an invoice/quote for potential repairs or replacement;

• In case of an injury, a statement from your doctor regarding your injury.

3. A decision on your claim will be made and sent to you no later than five (5) days from the time we recieve all the documents we need to determine the reasons, circumstances and effects of the incident and calculate the amount of compensation required.

Do I need purchase insurance if I have a product warranty?

Yes, preferrably, because it covers incidents not covered by the manufacturer's warranty. such as theft or damage caused by being dropped. 

How is compensation disbursed?

  • In case of damage to your property: losses can be compensated either with a transfer to your account, or by paying an invoice for repairs or the purchase of a new vehicle.
  • In case of injury: the amount of compensation will be calculated as set out in the description of specific risks.
  • Civil liability insurance: we will compensate the amount requested by the 3rd party who has incurred losses.

How soon can I receive compensation?

A decision on the disbursement of compensation will be made and sent to you no later than five (5) days from the time we have received all the documents necessary for determining the reasons, circumstances and consequences of the incident and calculating the amount of compensation. 

More questions
How do I make a claim?

You can make a claim by filling in an application form in the Citadele app: More > Insurance > My insurance.

Do I have to register my bicycle to insure it?

You do not need to register your bicycle. 

What is price protection?

Balcia Insurance SE's purchase insurance policy covers the difference in price if the store where you purchased a product reduces the price by 20 EUR or more within 30 days of purchase.
The following cannot be take into account when calculating the price difference:

  • Gift cards, coupons, loyalty cards or employee bonus programmes;
  • Prices for service agreements, special financing or additional benefits (delivery, setup etc.);
  • Prices set if the seller becomes insolvent, goes into liquidation or is liquidated, the store is closed for reconstruction, or for prices set for cash purchases;
  • Special campaigns (such as Black Friday, end of the season etc.), sales;
  • Prices set for specific customer categories (club or association members, etc.). 

How do I make a claim if my bicycle is stolen or damaged? What documents do I need to make a claim?

If an incident occurs:

1. Contact the relevant authority to notify them of the incident (medical services, if there has been an accident; the police, if there has been a theft, robbery or traffic accident; the fire service, if there has been a fire; the emergency gas service, if there has been an explosion, etc.), take measures to avoid and reduce losses, ensure that the circumstances of the incident and any damaged objects are photographed or filmed, and contact Balcia Insurance SE as soon as possible.

2. If possible, submit the extent of damage to Balcia Insurance SE:

• If your property is damaged, an invoice/quote for potential repairs or replacement;

• In case of an injury, a statement from your doctor regarding your injury.

3. A decision on your claim will be made and sent to you no later than five (5) days from the time we recieve all the documents we need to determine the reasons, circumstances and effects of the incident and calculate the amount of compensation required.

Do I need purchase insurance if I have a product warranty?

Yes, preferrably, because it covers incidents not covered by the manufacturer's warranty. such as theft or damage caused by being dropped. 

How is compensation disbursed?

  • In case of damage to your property: losses can be compensated either with a transfer to your account, or by paying an invoice for repairs or the purchase of a new vehicle.
  • In case of injury: the amount of compensation will be calculated as set out in the description of specific risks.
  • Civil liability insurance: we will compensate the amount requested by the 3rd party who has incurred losses.

How soon can I receive compensation?

A decision on the disbursement of compensation will be made and sent to you no later than five (5) days from the time we have received all the documents necessary for determining the reasons, circumstances and consequences of the incident and calculating the amount of compensation. 

More opportunities

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Accumulative life insurance

Use the opportunity to invest part of the paid insurance premiums and create savings, for example, for children's education. Apply and receive an annual income tax rebate of up to 20 %. Service provided by Citadele subsidiary AAS CBL LIfe.
Learn more
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3rd pension pillar savings

Set up a regular payment, save time and grow your pension savings without even trying. Service provided by Citadele subsidiary AS CBL Atklātais pensiju fonds.
Learn more
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Leasing

Financing of up to 90% for the purchase of a vehicle. Great terms even if you are not a Citadele customer. Apply and receive a reply within 2 hours.
Learn more