Log in to the portal and open the section My Contracts. Under tab “Insurance and Services”, you will be able to choose the insurance product that is most suitable for you.

Insurance is mainly available to customers who have concluded an electricity contract. Therefore, please first conclude an electricity contract. After that, you will also be able to add insurance.

Certain insurance products can also be added if only a natural gas contract has been concluded. For example, this is possible with the products Payments Security and Heating Solutions Security.

Log in to the Elektrum portal and open the section My Contracts. You will find information about your insurance under “Insurance and Services”.

AS Latvenergo under the Elektrum trade mark acts as an ancillary insurance intermediary. This means that Elektrum distributes insurance products and receives compensation for doing so.

AS Latvenergo is registered in the lists of ancillary insurance intermediaries of AAS BALTA and ERGO Insurance SE Latvian branch.

For the products Energy Risks, SOS Kit and Home Security, the provider of the insurance service is AAS BALTA, registration number 40003049409, Skanstes iela 25, Riga, LV-1013, Riga, www.balta.en.

For the products Payments Security and Heating Solutions Security, the provider of the insurance service is ERGO Insurance SE Latvian branch, registration number 40103599913, Skanstes iela 50, Riga, LV1013, www.ergo.lv.

The insurance comes into force on the date you selected during its activation. You can check this date in the insurance certificate.

You can view the certificate on the Elektrum portal in the tab “Insurance and Services” under section My Contracts. Click “Show more” and then “Download Contract”.

The insurance will remain valid for as long as your electricity contract remains valid or until you cancel the insurance.

The method for submitting an insurance claim depends on your insurance product:

• For Energy Risks, SOS Kit and Home Security – call +371 67 533 375 at any time of day or night, or write to atlidzibas@balta.lv;
• For Payments Security – call +371 22 585 500 on working days from 8:00 to 18:00, or submit your claim via the ERGO Insurance SE Latvia branch self-service portal;[KL1] 
• For Heating Solutions Security – call +371 22 585 500.

The supervisory authority in regard to the insurer and the intermediary as to insurance distribution is Latvijas Banka, located at K. Valdemāra iela 2A, Rīga, LV-1050, Latvia.

Electrical appliance insurance is included in the products Energy Risks, SOS Kit and Home Security.

Your electrical appliances are insured against damage caused by unexpected electricity supply disruptions, such as:

• power surges in your home’s electrical network;
• power surges in the external electrical network, for example if a tree breaks a power line during a storm;
• electricity supply disruptions caused by an error made during repair work;
• malicious acts by people, for example damage to a transformer;
• natural disasters, such as floods, lightning strikes or strong winds.

Energy Risks insures electrical appliances against damage caused by electricity supply disruptions. It also provides the assistance of an electrician if an electrical installation fault suddenly occurs at your home.

SOS Kit includes Energy Risks insurance and additional assistance by specialists. You will be able to receive the assistance of a plumber, carpenter or locksmith.

Home Security includes the SOS Kit and additional protection in the event of a fire if it was caused by an electrical appliance or electrical installation.

In Latvia’s largest cities, such as Rīga and Liepāja, a specialist will arrive within two hours. In the rest of Latvia, a specialist will arrive within three hours.

The specialist will arrange different arrival time with you if they are unable to arrive within the specified time.

Yes, a specialist will come to you anywhere in Latvia. There is no distance limit for the assistance service.

Yes, you can submit another compensation claim within the specified compensation limit.

You can use the electrical appliance repair service up to two times a year.

You can use electrical installation repair assistance:

• Up to two times a year with the insurance Energy Risks;
• Up to four times a year with the insurance SOS Kit;
• Up to four times a year with the insurance Home Security.

Any complaints can be submitted through our customer service.

In your complaint, please indicate the following:

• If you are natural person – your name and surname;
• If you are a legal entity – its name and registration number;
• Your contact information for receiving a reply.

The insurer will provide a reply within 15 days of receiving the complaint.

If more time is required to prepare the reply, the insurer will inform you of the reason for the delay and indicate the date by which the reply will be provided.

Insurance Energy Risks is an insurance product developed specifically for our customers in cooperation with AAS BALTA.

It provides:

• Insurance of electrical appliances against damage caused by electricity supply disruptions;
• Assistance by an electrical specialist if a sudden and dangerous fault occurs in the electrical installation.

No, the call-out of an outside specialist is not covered under this service.

No, the electrician’s assistance does not include the installation of new cables during repairs.

Under insurance Energy Risks, SOS Kit and Home Security an electrician will rectify sudden and dangerous faults in the electrical installation, for example:

• a sparking or smoking socket;
• loss of electricity in one of the rooms in the home;
• overheated cables.

The insurance does not cover maintenance or alteration of the electrical installation, nor the replacement of worn wires and other parts of the electrical installation.

No, the insurance does not cover damage to light bulbs, lamps, fuses and measuring devices caused by electricity supply disruptions.

With the SOS Kit insurance, you can receive:

• An electrician’s assistance in the event of sudden damage to the electrical installation;
• A plumber’s assistance in the event of a liquid leak;
• A carpenter’s assistance if a window, roof or fence is damaged;
• A locksmith’s assistance if keys have been lost or a door or gate lock has been damaged.

Specialist assistance is available 24/7.

You can use specialist assistance up to four times a year.

No, it is not possible to use both services simultaneously.

Home Security is insurance that includes:

• Insurance for electrical appliances;
• The assistance of an electrician, plumber, carpenter and locksmith;
• Insurance for your home and belongings in it against fire caused by an electrical appliance or the electrical installation.

Home Securityinsurance is available to Elektrum customers who have a valid electricity contract.

With Home Security insurance you can receive compensation if the fire was caused by an electrical appliance or the electrical installation.

Insurance cover applies to:

• A residential house or flat;
• Belongings in the home;
• Outbuildings, utility rooms and belongings therein, to the extent provided for in the insurance terms and conditions.

No excess is applied to compensation for damage caused by fire.

The excess specified in the insurance terms and conditions applies to compensation for damage to electrical appliances.

With the Home Security insurance, you can receive compensation for the following:

• Damage to the house or flat;
• Damage to belongings inside the home;
• Damage to outbuildings, utility rooms and belongings therein;
• Temporary accommodation rental costs;
• Moving and return costs;
• Rescue and clean-up costs;
• Lost rental income;
• A one-off compensation payment if the responsible authority declares the property dangerous or unsafe and prohibits anyone from staying in it.

For the specific conditions and compensation limits, please see the insurance terms and conditions.

Payments Security is insurance that provides financial support if, due to health problems or unemployment, you have difficulty paying your electricity or natural gas bills.

Under the Payments Security insurance, you can receive financial support in the event of:

• Prolonged incapacity for work due to illness or an accident;
• Unemployment, if your employment has been terminated at the employer’s initiative.

The exact conditions and exclusions are set out in the insurance terms and conditions.

You can choose the amount of financial support:

• EUR 50/month;
• EUR 100/month.

You can receive financial support for up to 6 or 12 months, depending on the insurance cover selected.

The monthly fee depends on the selected amount of financial support and the payment period. More information is available here.

The Payments Security insurance is available to Elektrum customers with a valid electricity or natural gas contract.

Log in to the Elektrum portal and open the section My Contracts. Under the tab “Insurance and Services”, choose “Payments Security” insurance and the support option most suitable for you.

You can receive compensation for unemployment if you lose your job no earlier than 60 days after the insurance start date.

This means that the insurance does not cover unemployment occurring within the first 60 days of the insurance period.

You will start to receive financial support after a 30-day excess period.

This means that no compensation is paid during the first 30 days after the onset of your incapacity for work or unemployment. You can receive compensation for the subsequent period if your incapacity for work or unemployment continues for more than 30 days.

You can receive compensation for your incapacity that starts no earlier than 30 days after the insurance start date.

This means that the insurance does not cover incapacity for work occurring within the first 30 days of the insurance period.

No. The solar panel system automatically stops generating electricity if the power supply from the grid is interrupted. This is necessary for electrical safety.

The solar inverter converts the direct current generated by solar panels into the alternating current used in household. Because without an inverter it is impossible to use electricity produced by solar panels for consumption.

Please call 67726661 or email pakalpojumi@elektrum.lv.

Solar panels do not require regular maintenance, as rain removes dust effectively. If you wish, you can maintain and clean the panels using suitable cleaning tools and materials, but we do not recommend doing so.

We do not recommend removing snow from the panels yourself, as this may damage them and void the warranty. On sunny winter days, the snow will melt and slide off naturally because the panels are installed at an angle of at least 15 degrees and their cells absorb heat from the sun.