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MTPL

When participating in road traffic, every owner of a vehicle needs Motor Vehicle Owners’ Compulsory Third Party Liability Insurance or MTPL. The MTPL policy compensates losses that have been created for other individuals, for example, drivers of other vehicles, cyclists, pedestrians, passengers and their property because of the vehicle owner who has caused the traffic accident.

If you use your car only in the Baltic States, buy MTPL policy for a much better price. Buying the BTA MTPL policy on the Internet saves time and money because we offer a discount! We provide individual approach to each customer – we will evaluate the cars of your company, offer good conditions, professional service and additional bonuses! You can also buy the MTPL policy for your company’s car on the Internet.

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Why choose BTA MTPL policy?

Our advantages:

  • We offer to purchase MTPL policy for a much better price if the car is used only in the territory of Latvia, Estonia and Lithuania. If a need arises to go outside the Baltic States, you will have to inform us beforehand.
  • To protect yourself and the employees of your company that use the company’s car from unnecessary worries on the road, we offer to purchase the service “Roadside Assistance” additionally to the MTPL policy for a symbolic payment.
  • We will protect your rights, help receive MTPL compensation from the insurer of the vehicle driver who caused the traffic accident, provide other types of legal assistance if together with the MTPL policy for a symbolic payment you purchase the service “MTPL Legal Assistance”. We are the only insurance company in Latvia that has a licence for legal expenses insurance which allows to offer BTA MTPL customers this service.
  • We offer to insure the driver’s and passengers’ seats against accidents additionally to the MTPL policy for a good price.

Who is eligible to receive MTPL compensation?

Within MTPL policy, a person that has been involved in a traffic accident and has not been found guilty of causing the accident is eligible to receive compensation. These individuals can be:

  • vehicle owners or drivers
  • passengers, even if at the time of the accident they were in the vehicle that caused the traffic accident
  • pedestrians and cyclists
  • individuals whose property has been damaged

More detailed information on the rights to receive MTPL compensation is available on the website of Motor Insurers’ Bureau of Latvia (LTAB).

What losses does MTPL policy compensate?

Within the MTPL policy losses are compensated according to the “Compulsory Civil Liability Insurance of Owners of Motor Vehicles Law

Insured risks:

  • Material losses of a third party caused during a traffic accident
  • Intangible losses of a third party caused during a traffic accident
  • Damage to the property of a third party caused during a traffic accident

What is the territory and period of validity of MTPL policy?

The territory of validity of MTPL policy depends on the agreement signed.

The MTPL Standard agreement is in force in the territory of the Republic of Latvia, European Economic Area (EEA), as well as in certain countries that are member states of the Green Card system but are not member states of EEA: Andorra, United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Iceland, Italy, Ireland, Cyprus, Lithuania, Liechtenstein, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Finland, Spain, Switzerland, Hungary, Germany and Sweden.

MTPL policy can be purchased with the validity period of 3 months, 6 months, 9 months or 12 months. A better MTPL policy price will be offered if you purchase the policy for 12 months.

What do you need to know before travelling abroad?

When travelling abroad, take the printout of MTPL policy with you because the Latvian MTPL policy register is not available for the traffic police of other countries, and they will not be able to ascertain the existence of your MTPL policy.

If you plan to go to Albania, Belarus, Bosnia and Herzegovina, Iran, Israel, Russia, Macedonia, Montenegro, Morocco, Moldova, Tunisia, Turkey or Ukraine, you will have to purchase the International Insurance Certificate or the Green Card. 

What affects the price of the MTPL policy?

The price of MTPL policy is determined taking into account various criteria, including:

  • Bonus-Malus class,
  • the purpose for which the vehicle is used and the operating conditions,
  • type of vehicle,
  • gross vehicle weight,
  • place of registration of the vehicle,
  • period of validity of the policy,
  • the number of insurable cars,
  • other information available to the insurers.

Bonus-Malus class is an important criteria that affects the price of your MTPL policy. Within the Bonus-Malus system information is gathered on every driver of a vehicle that buys MTPL policy, including the statistics of traffic accidents. The longer your driving track record and the more flawless driver you are, the higher your Bonus-Malus class is which allows to apply discounts for the MTPL policy.

More detailed information is available on the website of Motor Insurers’ Bureau of Latvia (LTAB). Find out which Bonus-Malus class is suitable for you.

MTPL system in Latvia

MTPL system in Latvia was introduced on 1997. Its aim is to provide the system of Third Part Liability Insurance for motor vehicle owners involved in traffic accidents in Latvia and member states of the Green Card. To ensure smoother operation of the system and implementation of the directives of the European Commission, the Motor Insurers’ Bureau of Latvia (LTAB) was created. It ensures the updating of changes in regulations in the responsible institutions of Third Part Liability Insurance for inland motor vehicle owners. LTAB is also the administrator of the MTPL Guarantee Fund that decides and accounts for the expenditure of funds in conformity with the legislation in force in Latvia, performs the functions of the Green Card Bureau of the Republic of Latvia, as well as the information centre, and is the member of the Council of Bureaux of the Green Card system.

More detailed information is available on the LTAB website.

Ways of purchasing the policy

BTA MTPL policy can be purchased in the following ways:

  • If you want to insure one vehicle of your company, the easiest way to purchase the MTPL policy is on the Internet [saite uz e-polisi]. Filling out the electronic form, within a few minutes you will be able to purchase OCTA policy as well as choose additional insurance services that are offered together with MTPL policy. Buying MTPL policy on the Internet is more profitable because you will get a 5% discount.
  • by filling out an application form on BTA website; a BTA specialist will contact you to find out detailed necessary information, prepare the insurance offer and send it to the e-mail address indicated by you;
  • by calling BTA Customer Support Service at 26 12 12 12. It is possible to pay for the insurance policy during the phone call;
  • by visiting BTA Customer Service Centre  in person;
  • by contacting BTA agents, insurance brokers.

How to receive additional information?

If you wish to receive additional information on MTPL  insurance or purchasing, contact BTA Customer Support service at 26 12 12 12 or by any other means of communication convenient for you. Other means of communication can be found at the section “Contacts” 

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