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Complex Leasing with Insurance Service: A Convenient and Smart Solution

By purchasing property through Šiaulių Bankas leasing, residents and businesses can now use leasing with insurance service. In this case insurance premiums do not increase throughout the total insurance period and are paid together with the leasing instalments.

In the case of purchasing a car, heavy vehicle, agricultural machine or other insurable property through Šiaulių Bankas leasing, customers need not to take care of the insurance. The bank, in cooperation with the insurance company ERGO Insurance SE Lithuanian branch and insurance broker BALTO LINK, provides leasing with insurance services.

“Leasing with insurance is a comprehensive, convenient and useful to customers. After entering into the leasing contract, they are immediately offered an adequate insurance for the purchased property, so the customers buying through leasing do not need to look for an insurance company in order to insure the assets under eligible conditions. In addition, leasing and insurance documents are quickly and easily filled in the property acquisition place or in Šiaulių Bankas”, says Deputy Chief Executive Officer of Šiaulių bankas, Head of Business Development Division Daiva Šorienė.

The assets acquired through leasing can be insured for the whole period of the leasing contract: from 1 to 5 years, so there is no need to take care of the insurance for this period. The total insurance premium is split into parts, which are included in the lease payments under the payment schedule, i.e. on the set dates they are periodically paid by the client or debited from his/her account together with the leasing instalments.

According to D. Šorienė, customers benefit from the fact that insurance premiums are fixed for the whole period of the leasing contract and, in view of rising prices in the market, they do not increase. The insurance benefit payment to the client in the case of insured events does not have influence on the insurance premium amount. During the first couple of weeks after this comprehensive service was launched, it was chosen by a large part of Šiaulių Bankas customers purchasing the property through leasing.

The property purchased through leasing is insured by Šiaulių Bankas, these services are not charged extra. The insured property is applied the standard insurance conditions of Šiaulių bankas’ partner insurance company ERGO Insurance SE Lithuanian branch.

Please note that, with Šiaulių Bankas's authorization and on behalf of the bank, property insurance contracts are administered and their compliance with the requirements is monitored by BALTO LINK UADBB.

For more information on leasing and insurance, see Šiaulių Bankas's website, under Leasing Services. Contact phone 1813 (when calling from abroad +370 37301337).