Luminor Latvia review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Luminor Latvia is a broker, not an insurer: policies sit with an insurer while the Latvian branch of Luminor Bank arranges them. It suits households in Latvia that want auto, home, life, travel, income protection and gadget cover paid monthly, with property excess from €140.

Key facts

Best for
Latvian households that bank with Luminor and want personal lines paid monthly.
Insurance types
Auto, Home, Life, Travel, Income-protection, Gadget (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€140 (Source, checked September 26, 2026)
Cover limit
Travel medical expenses up to EUR 300,000 (Source, checked September 26, 2026)
Claims channels
Online form, Phone (Source, checked September 26, 2026)
Age range
Family insured with the cardholder: children and students up to 24, grandchildren up to 18 (inclusive) (Source, checked September 26, 2026)
Legal entity
Luminor Bank AS Latvian branch, reg. No 40203154352 (LEI 213800JD2L89GGG7LF07) (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
luminor.lv

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • Auto, home, life, travel, income protection and gadget sit with a single broker: auto, home and life.
  • Premiums can be paid monthly, since monthly is the payment model and monthly payments are available.
  • Support runs on phone, email and help centre and claims on online form and phone, so a phone call works on both sides.
  • Entered in the Insurance Agents Register of the Estonian Financial Supervisory Authority, with EE as the home market.

Cons

  • The excess on property insurance starts at €140, so smaller losses can be absorbed by the household.
  • As a broker, the insurer's terms sit behind the policy wording, so cover depends on the insurer rather than on the bank.
  • The age range on the family card caps children, students and grandchildren at different ages.
Luminor Latvia

Ready to try Luminor Latvia?

Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Households in Latvia that already bank with Luminor and want several personal lines from one contact point.
  • People who prefer instalments, since monthly is the payment model across the range.
  • Travellers who want a high medical ceiling, set at Travel medical expenses up to EUR 300,000.

Who should look elsewhere

  • Buyers after pet or motorcycle cover: Good Sam Insurance Agency lists auto, home and renters.
  • Shoppers wanting renters or landlord policies: Hiscox UK covers home, renters and landlord, which includes both.
  • Anyone after health or pet lines: Euroasia Insurance covers auto, home and travel, short of those.

How your money is protected

Luminor Latvia is a broker, so the policy sits with the insurer and Luminor arranges it for you. The Latvian branch of Luminor Bank is entered in the Insurance Agents Register run by the Estonian Financial Supervisory Authority, which is the supervision to check before you sign. No deposit or wallet sits with Luminor: premiums go to the insurer and any refund comes back through the policy.

How Luminor Latvia compares

Where Luminor Latvia is available

Available
Estonia, Latvia, Lithuania
Licence in Estonia
Finantsinspektsioon (Estonian Financial Supervisory Authority) Insurance Agents Register, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of insurance does Luminor Latvia offer?+

Luminor Latvia covers the main personal lines: auto, home and life. Auto, home, life, travel, income protection and gadget all run through the same Latvian branch, so a household can hold several policies and use a single contact point for renewals, changes and claims.

Is Luminor Latvia an insurer or a broker?+

Luminor Latvia is a broker, so the policy is underwritten by an insurer and Luminor arranges it. The Latvian branch of Luminor Bank is the legal entity behind that arrangement. Its pages therefore summarise the insurer's terms rather than set them.

Can I pay monthly rather than in a lump at renewal?+

Monthly payments are available and monthly is the payment model listed, so premiums leave the account in instalments across the year. That suits salaried households and spreads the cost of every personal line, including auto, home and life.

What is the excess on property insurance?+

The excess starts at €140 on property cover, and that amount stays with you when a claim settles. Smaller damage reports can therefore cost more to claim than the loss itself. Travel works differently, with medical cover set at Travel medical expenses up to EUR 300,000.

How much medical cover is included for travel?+

Travel policies are set at Travel medical expenses up to EUR 300,000, the ceiling for medical costs abroad. That is a limit on what the policy pays, not a promise that every bill inside it is reimbursed, so read the exclusions for pre-existing conditions before travelling.

How do I make a claim?+

Claims run on online form and phone: an online form or a phone call. The phone route suits urgent or large losses such as a water leak or a medical bill abroad, while the online form handles smaller items without a hold. Have the policy details and the incident date ready.

What help is available once I hold a policy?+

Support covers phone, email and help centre. A phone line handles urgent claims and policy changes, email suits documents and renewals, and the help centre answers routine questions in your own time. The Latvian branch of Luminor Bank is the entity behind that service.

Who supervises the broker?+

The register entry names the Insurance Agents Register of the Estonian Financial Supervisory Authority, and the home market for the business is recorded as EE. That supervisory detail is worth checking before cover starts, alongside the insurer's own authorisation in the policy wording.

Sources

  • luminor.lv/en/contacts checked September 26, 2026

    Backs: Legal entity, Support channels

    “Luminor Bank AS Latvian branch, Skanstes iela 12, LV-1013, Riga, Republic of Latvia, Registration number: 40203154352”

  • luminor.lv/en/private/insurance checked September 26, 2026

    Backs: Insurance types

    “Leasing Insurance ... MTPL, CASCO ... Home Insurance ... Life Insurance ... Loan Payment Insurance ... Travel Insurance ... Purchase Insurance”

  • luminor.lv/en/private/luminor-black checked September 26, 2026

    Backs: Age range

    “Family: children (minors and students up to the age of 24), grandchildren up to the age of 18 (inclusive), spouse or cohabiting partner (1+ year of joint household) travelling together with the...”

  • luminor.lv/en/private/real-estate-insurance checked September 26, 2026

    Backs: Claims channels, Provider type, Excess from, Headquarters, Pricing model, Monthly payments, Licences

    “In case of an insured event, fill in the claim notification online on AAS "BALTA" webpage or call via phone +371 67 533 375”

  • luminor.lv/en/private/travel-insurance checked September 26, 2026

    Backs: Cover limit

    “Medical expenses up to EUR 300 000”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Luminor Latvia

Luminor Latvia

Latvian households that bank with Luminor and want personal lines paid monthly.

8.9/10See alternatives

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