MTPL insurance

We will reimburse a person who has insured their vehicle with BTA, as well as for damages caused in a road traffic accident, medical expenses of third parties (other vehicle owners, cyclists, pedestrians) and damages caused to third parties' property.

Factors such as your insurance history in Latvia, as well as in other Member States of the European Union and the European Economic Area, are taken into account when calculating the price of an MTPL policy if you have informed BTA, provided BTA with the relevant certificate or uploaded it on the LTAB website. The insurance history certificate is taken into account regardless of the Member State in which it was issued and regardless of the nationality or previous residence of the owner or authorised user of the vehicle in the EU or EEA.

In the event of a traffic accident, the police must be called in the following cases:

• if more than two vehicles are involved in the accident;
• if people or animals are affected;
• if the circumstances of the accident cannot be agreed;
• if it is not clear or cannot be agreed which driver is at fault;
• damage to third party property;
• if the vehicle has suffered damage that makes it unfit to use the road.

If you are at fault in an accident, MTPL will not cover the damage to your vehicle. MTPL only provides protection to third parties who suffer from an accident caused by your vehicle.

If you are the victim and the person responsible is known, the MTPL of the at-fault party will cover the damage to you and your vehicle.

If you are a BTA customer and you caused the accident, submit the completed Agreed Statement to BTA as soon as possible, but no later than one year from the date of the accident, by filing an MTPL claim on My BTA website. If you have any questions, please contact us via our 24-hour information line +371 26121212.

If the accident was caused by another person, contact the insurer of the at-fault party by filing a third-party liability claim.

You can now also fill in the Agreed Statement electronically using the LTAB MTPL mobile app.

MTPL insurance is valid in the countries of the European Economic Area, the Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina and the United Kingdom of Great Britain and Northern Ireland.

Take a printout of your MTPL policy with you when you drive abroad, as traffic police in other countries do not have access to the Latvian MTPL policy register and will not be able to check whether you have an MTPL policy.

If you plan to drive to Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey or Ukraine, you will need to buy an international insurance contract or Green Card. You can buy it by calling BTA Customer Service on +371 26 12 12 12, by filling in the contact form or by visiting our Customer Service Centres.

You can subscribe for third-party liability insurance - monthly payments are made automatically using your linked payment card at the time of purchase. This makes it easier to pay for your MTPL insurance every month, without having to think about paying the bill every month.

What is the term of an MTPL subscription?

The MTPL subscription is open-ended. So, you don't have to think about buying new MTPL insurance every year.

Will the monthly payment be the same all the time?

We ensure that the monthly payment remains the same for at least 12 months after the purchase of the MTPL insurance subscription. If the monthly subscription fee changes after 12 months, we will inform you in good time and your customers can choose whether to continue or cancel their MTPL subscription.

How can I buy MTPL insurance with a subscription?

Enter the car number and the registration number or personal identification number of the owner in the MTPL calculator, read and accept the "Privacy Policy". Click "Get a quote". In the second insurance step, activate the "Monthly subscription" option.

How do you know if your MTPL insurance is active?

All information about the purchased MTPL subscription and insurance will be available on the My BTA customer portal.

How can I cancel my MTPL subscription?

The subscription to the MTPL insurance can be terminated on the BTA portal or by calling the BTA Customer Service at +371 26 12 12 12. The insurance subscription is automatically terminated simultaneously with the termination of the MTPL insurance contract (policy) in the cases provided for in Article 10 of the Law on Compulsory Third Part Liability Insurance of Owners of Motor Vehicles.

Is the MTPL insurance immediately terminated when I cancel my subscription?

Upon cancellation of the subscription for MTPL insurance, the insured vehicle will be insured until the end of the insurance period specified in the MTPL insurance contract (policy), unless one of the cases provided for in Section 10 of the Law on Compulsory Third Party Liability Insurance of Owners of Motor Vehicles has occurred.

Does the cover change if a subscription is chosen?

If you choose to insure your vehicle on a subscription basis, your car is insured on the same terms as if you had chosen to insure your vehicle for a fixed period.

Can I subscribe to insurance if I have several vehicles?

Yes, of course! You will need to create a separate subscription for each of your vehicles.

MTPL insurance is compulsory insurance that covers the damage you can cause to others in road traffic. CASCO is a voluntary insurance that protects your vehicle against theft, damage or total loss.