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Frontier Insurance Contract

In the member states of the European Economic Area, the driver of a vehicle must insure his civil liability when travelling by a car not registered in a member state of the European Economic Area. In these cases Frontier Insurance Contracts are signed. The Frontier Insurance Contract, the same as MTPL policy, compensates for the losses of other people, for example, the drivers of other vehicles, cyclists, pedestrians, passengers and their property caused by the driver guilty of the accident.

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What is the Frontier Insurance Contract?

The Frontier Insurance Contract is an insurance agreement that is signed for a vehicle registered in a country that is not a member state of the European Economic Area if its drive cannot present a vehicle owner’s MTPL contract valid in the territory of Latvia.

The Frontier Insurance Contract is a type of Compulsory Civil Liability Insurance of Owners of Motor Vehicles that provides the same compensation of losses as MTPL Standard Agreement.

Who is eligible to receive Frontier Insurance Contract compensation?

Within the Frontier Insurance Contract, 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 are compensated within the Frontier Insurance Contract?

Losses under the Green Card are compensated according to the “Compulsory Civil Liability Insurance of Owners of Motor Vehicles Law

Under the Green Card the same losses are compensated as under Standard MTPL Agreement:

  • Material losses of a third party due to a road traffic accident
  • Intangible losses of a third party due to a traffic accident
  • Damage to the property, including the vehicle, of a third party due to a road a traffic accident

What is the period of validity for the Frontier Insurance Contract?

The Frontier Insurance Contract can be signed for a time period starting from one to 12 months.

Ways of purchasing the Frontier Insurance Contract

The Frontier Insurance Contract can be purchased in the following ways:

  • by filling out the application form on the website of BTA, you can find out the price of the policy, but to receive the Frontier Insurance Contract you will have to visit the nearest BTA Customer Service Centre;
  • by calling the BTA Customer Support Service at 26 12 12 12 you can find out the price of the policy but to receive the Frontier Insurance Contract you will have to visit the nearest BTA Customer Service Centre;
  • by visiting BTA Customer Service Centre in person;
  • by contacting BTA agents, insurance brokers.

What to do in case of an accident?

If someone is injured in the traffic accident, act as follows:

  1. To the extent possible, give first aid to the injured person, but immediately contact the State Emergency Medical Service by calling 113 or 03;
  2. Call the traffic police at 110 or 02;
  3. For the clarification of the circumstances of a traffic accident photos can be useful as well so, if possible, take photos of the vehicles right after the accident, without changing their location, and, if possible, record the contacts of the eyewitnesses.
  4. If you have BTA MTPL policy, regardless of whether you are guilty of the caused traffic accident or not, immediately contact the BTA Customer Support Service at 26 12 12 12 to inform about the traffic accident and receive instructions for further actions;
  5. If you have BTA MTPL policy, Green Card or Frontier contract and you have suffered losses because of another participant of the traffic, then to file the insurance claim you must contact the insurance company that has issued MTPL policy to the owner of the vehicle who has caused the traffic accident. The responsible insurer can be identified using the registration number of the vehicle in the section “Find responsible insurer” on the webpage of Motor Insurers’ Bureau of Latvia;
  6. If you have suffered losses in a traffic accident caused by a vehicle owner that has BTA MTPL policy, Green Card or Frontier contract, file the insurance claim as soon as possible.

If nobody is injured in the traffic accident, act as follows

  1. if only two vehicles are involved in the accident, and both drivers can come to an agreement on the circumstances of the traffic accident, no damage has been done to third party’s property and the vehicles do not have such damage that forbids to drive them, fill out the coordinated accident statement. You will find more information on the completion of the coordinated accident statement as well as a short video here. You must keep a copy of the completed coordinated accident statement so that you could submit it to the insurer. The party at fault has to submit the coordinated accident statement to his insurer within 10 days;
  2. For the clarification of the circumstances of a traffic accident photos can be useful as well so, if possible, take photos of the vehicles right after the accident, without changing their location, and, if possible, record the contacts of the eyewitnesses. Later you will attach the photos to the coordinated accident statement, when filing the insurance claim.
  3. If there are conditions that do not allow to fill out the coordinated accident statement, call the traffic police at 110 or 02.
  4. If you have BTA MTPL policy, Green Card or Frontier contract, regardless of whether you are guilty of the caused traffic accident or not, immediately contact the BTA Customer Support Service at 26 12 12 12 to inform about the traffic accident and receive instructions for further actions;
  5. If you have BTA MTPL policy, Green Card or Frontier contract and you have suffered losses because of another participant of the traffic, then to file the insurance claim you must contact the insurance company that has issued MTPL policy to the owner of the vehicle who has caused the traffic accident.
  6. If you have suffered losses in a traffic accident caused by a vehicle owner that has BTA MTPL policy, Green Card or Frontier contract, file the insurance claim as soon as possible.

If the traffic accident has taken place abroad, in any of the Green Card system member state that is not a member state of the European Economic Area, the people involved in the traffic accident have to report the accident to the traffic police and the country’s Green Card bureau. The addresses and phone numbers of the Green Card Bureaus of the member states of the Green Card system are indicated on the other side of the Green Card policy form. If the responsibility of the vehicle owner who has caused the traffic accident is insured by an European Economic Area insurance company, the losses are compensated by its authorized representative in the Republic of Latvia or, if such does not exist, by the Motor Insurers’ Bureau of Latvia.

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