Driver and Passenger Accident Insurance

Road traffic accidents are, unfortunately, pretty frequent in the turbulent rhythm of life. For your employees to feel secure for themselves and their passengers while driving any company vehicles, we offer Driver and Passenger Accident Insurance along with the purchase of your Mandatory Third-party Liability Insurance or Comprehensive Insurance policy.

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Why to choose BTA Driver and Passenger Accident Insurance?

It is every driver’s duty to care for the safety of their passengers. Considering that road traffic accidents are pretty frequent and, unfortunately, involve not only vehicles, but also the driver or passengers, the Mandatory Third-Party Liability Insurance or Comprehensive Insurance Policy can be supplemented with insurance against accidents for the driver and the passenger seats in the vehicle.

Our advantages:

  • Various insurance coverage options.
  • You may insure your preferred number of passenger seats.
  • BTA is the only insurance company in Latvia which, in addition to the road traffic accident insurance policies for drivers and passengers, includes a compensation for study fees for children in case death of the bread-winner occurs.
  • When purchasing Driver and Passenger Accident Insurance, the employer is entitled to tax benefits.

 

What tax relief can the company receive?

By acquiring staff health insurance, pursuant to the regulatory enactments of the Republic of Latvia, the company can receive the following tax relief:

  • the corporate income tax is not imposed on the insurance premium, which means the company can reduce its taxable revenue by the insurance premium payments;
  • the insurance premium payment is not subject to personal income tax, if the insurance premium does not exceed 10% of the gross annual salary of the insured and does not exceed EUR 426.86;

Insurance premiums are not included in the mandatory social insurance contribution object, if the insurance premium does not exceed 10% of the gross annual salary of the insured and does not exceed EUR 426.86.

Insurable Risks

   
Death
If death of the driver or a passenger occurs as result of a road traffic accident, we shall pay 100 % of the insurance amount. 
Disablement
If disablement of the driver or a passenger occurs as result of a road traffic accident, we shall pay up to 100 % of the insurance amount.  
Injuries
We shall pay an indemnity for the injuries (one or several bone fractures, ligament ruptures, strains, internal organ damage, brain concussion) suffered by the driver or any passengers as result of a road traffic accident.
Treatment Expenses
We shall indemnify the expenses for the medical procedures performed and prescribed by the attending doctor in association with out-patient or in-patient treatment. Only the expenses for the medical services received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia will be indemnified. 
Medications and Bandages
We shall indemnify the expenses for the medications and bandages prescribed by the attending doctor and purchased from the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia or pharmacies located in the territory of the Republic of Latvia.
Study Allowance for Children*
If death of the driver or a passenger occurs as result of an accident or within one year thereof, we shall indemnify the higher educational institution tuition fees for one biological or adopted child (below 24 years of age) of the driver as well as each passenger. The tuition fees will be indemnified only until the child reaches the age of 24 years. 


* Exclusively at BTA!

What are the territory and the validity period of the policy?

The territory in which the Driver and Passenger Accident Policy is valid in corresponds to that specified in the Mandatory Third-Party Liability Insurance or Comprehensive Insurance policy.  

However, please note that leisure or business trips to other countries additionally require Travel Insurance. In case you suffer an injury in a road traffic accident abroad, the Driver and Passenger Accident Insurance will allow you to receive a compensation depending on the severity of the injury, but the expenses for the medical assistance received in a foreign country will be indemnified only if you have purchased a Travel Insurance policy. The Driver and Passenger Accident Insurance coverage includes only medical services received in the territory of the Republic of Latvia.

When travelling outside Latvia in a vehicle registered in Latvia, please find out if you additionally require the Green Card! 

Policy purchase options

The Driver and Passenger Accident Policy can be purchased together with the Mandatory Third-Party Liability Insurance or Comprehensive Insurance policy, using one of the below options:

  • if you fill in the application form available on BTA website, an expert of BTA’s will contact you to find out the required details and prepare the insurance proposal, and send it to your e-mail address;
  • by calling BTA Customer Support Service on 26 12 12 12. During the call, it is also be possible to pay for the policy immediately;
  • you may visit a BTA Customer Service Centre in person; 
  • by contacting a BTA agent, insurance broker.

Where can I find more information?

If you wish to receive additional information about the Accident Insurance or its purchase, please contact BTA Customer Support by calling 26 12 12 12 or using any other means of communication you find most convenient for you. For other communication options, please click “Contacts”. 

Insurance Terms and Conditions

  PDF E-doc*
Terms and Conditions of Driver and Passenger Accident Insurance    
Terms and Conditions No 8a (in latvian)
(version valid for policies issued from 04.12.2012)
    + Annex No. 1 to Terms and Conditions No. 8a
      “Consequences of Accidents when the Insured is Entitled to Compensation of Medical Expenses”
 
General insurance terms and conditions    
Terms and Conditions No 3
(version valid for policies issued from 13.12.2011)
Terms and Conditions No 2
(version valid for policies issued from 07.06.2011)

 


* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).