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!
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:
More detailed information on the rights to receive MTPL compensation is available on the website of Motor Insurers’ Bureau of Latvia (LTAB).
Within the MTPL policy losses are compensated according to the “Compulsory Civil Liability Insurance of Owners of Motor Vehicles Law”
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.
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.
The price of MTPL policy is determined taking into account various criteria, including:
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 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.
BTA MTPL policy can be purchased in the following ways:
If someone is injured in the traffic accident, act as follows:
If nobody is injured in the traffic accident, act as follows
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.
Download BTA mobile app!
Download BTA mobile app on your smartphone, and you will always have our contacts. In case of an accident, our app will help you to contact both emergency services and us, so we could inform you about further actions. The BTA mobile app on your smartphone is a convenient way to send us photos from the place of accident if our specialist asks for them.
Compulsory Civil Liability Insurance of Owners of Motor Vehicles Law
(in force from 01.05.2004.)