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https://www.citadele.lv/en/private/active-lifestyle
  1. Private customers
  2. For an active lifestyle

Insurances for an active lifestyle

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Buy in app Claim online

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.

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.


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.

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 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.

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. 

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.

Do I have to register my bicycle to insure it?

You do not need to register your bicycle. 

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.

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 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.

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. 

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.

Do I have to register my bicycle to insure it?

You do not need to register your bicycle. 

More opportunities

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