Compulsory MTPL Insurance

Whom is
MTLP insurance for?

All motor vehicles registered or to be registered in Lithuania, including scooters, trailers, and semi-trailers—excluding rail vehicles—are required to have mandatory car insurance. Insuring these vehicles with this type of insurance is compulsory. The same applies to unregistered agricultural and forestry self-propelled machinery, loading equipment, and towed wheeled machinery.

Why it is useful to insure with us?

Roadside Assistance Plus

In addition, you can opt for the Roadside Assistance Plus insurance service. In this case, assistance is provided when you are unable to continue your planned journey due to any vehicle breakdown, traffic accident, or any unforeseen incident—such as running out of fuel, getting a flat tire, or being locked out of the vehicle. This service also includes the provision of a replacement vehicle that you can use for up to 7 days following an accident.

Extended Roadside Assistance

Additionally, you can opt for the Extended Roadside Assistance service. In this case, assistance is provided when you are unable to continue your planned journey due to any vehicle breakdown, traffic accident, or any unforeseen incident—such as running out of fuel, getting a flat tire, or being locked out of the vehicle.

Additional Insurance Services

We offer the option to insure your vehicle with Mini Kasko Plus or Collision with Wildlife insurance, as well as coverage for the driver and passengers against accidents during a traffic incident under favourable conditions.

Discounts

We offer additional discounts to loyal and responsible drivers

Why it is useful to insure with us?

What do we
cover with
MTPL insurance?

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Damage to the property of the victim

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Damage to the health of the victim

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Non-penuniary damage

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Damage that occurred later as result of a traffic accident

Roadside Assistance Plus in Lithuania

The service is provided for an additional fee of EUR 26 per year and is valid in the Republic of Lithuania.

Roadside assistance is provided when it is impossible to continue the planned trip due to any vehicle breakdown, traffic accident or any other unforeseen incident, such as running out of fuel, a damaged tire, or getting locked out of the vehicle. This service also includes a replacement car after a traffic accident that you can use for a period of up to 7 days, as well as other services.

	Lietuvoje	Užsienyje
NEW! Provision of a replacement car after a traffic accident for a period of up to 7 days If the vehicle had to be towed after the traffic accident, and once it was delivered to the repair shop and a written confirmation was received that the repair will take more than 1 working day, a lower-than-middle-class replacement car is provided within 24 hours. A replacement car is provided for a period of up to 7 days, but in any case no longer than until the end of the insured vehicle repair. The customer's request for a replacement car must be submitted no later than 5 days after the day of the traffic accident.
NEW! One-time one-hour counselling for the driver of the insured vehicle after a traffic accident in which the victim's health or life was impaired A one-time one-hour counselling session is provided to the driver of the insured vehicle after a traffic accident in which the victim's health or life was impaired. The service is provided by the service provider indicated by the Insurer's partner, and only upon presentation of a certificate of traffic accident issued by the police or other responsible authority.
NEW! Provision of a light car single-axle trailer with a carrying capacity of up to 500 kg for 1 day At the customer's request, a passenger car single-axle trailer with a carrying capacity of up to 500 kg is provided for 1 day once during the validity period of the contract. The trailer is provided under the terms of the service provider specified by the Insurer's partner.
NEW! Transporting an electric car to the nearest working charging station or charging the battery on site Transportation of an electric car to the nearest charging station or on-site battery charging is available no more than twice during the contract period, and only after the electric car has run out of charge.
Consultation via phone In the event of a traffic accident, we will provide professional advice by phone via the 19111 hotline. We will help you to fill in the accident declaration.
Towage We will tow your vehicle to the nearest car repair shop, storage place or your place of residence in Lithuania, when the accident has rendered the operation of the vehicle impossible or it will endanger normal driving, passenger safety or the vehicle itself. Note: The service applies only after a traffic accident, if the policyholder is found to be the culprit of the accident. Not valid in case of vehicle failure
Starting the engine If it is not possible to continue the trip, a technical assistance specialist arrives at your location and perform minor repairs. You will have to pay for the materials used during the repair.
Fuel supply If it is not possible to continue the trip, a technical assistance specialist will deliver fuel to your location. We deliver fuel free of charge, but the cost of the delivered fuel is covered by the customer.
Wheel replacement If it is not possible to continue the trip, a technical assistance specialist will arrive at your location you and replace the damaged tire of your vehicle (we will provide the service if you have a spare wheel).
Emergency unlocking of doors in the event of a lockout If it is not possible to continue the journey, a technical assistance specialist will unlock the vehicle door in an emergency or deliver you your spare keys.
Taxi service for the driver and/or passengers When the vehicle cannot continue the journey and is towed, and its repair is expected to take more than 1 working day, we will organize transportation of the driver and/or passengers to the intended destination (up to 50 km).
Car storage If the protection of your vehicle is required after a breakdown, incident or car accident, we will arrange its storage for a period of up to 14 days. This service is only available if the car has been towed.

Extended Roadside Assistance in Lithuania

The service is provided for a marginal fee 12 EUR for years and is valid in the Republic of Lithuania.

. Roadside assistance is provided when it is impossible to continue the planned travel due to a vehicle breakdown, an accident or any unforeseen incident, such as running out of fuel, damaged tires, or getting locked out of the car.

	Lietuvoje	Užsienyje
Consultation via phone In the event of a traffic accident, we will provide professional advice by phone via the 19111 hotline. We will help you to fill in the accident declaration.
Towing an electric vehicle to the nearest working charging station or charging the battery on site Towing of an electric car to the nearest charging station or on-site battery charging is available no more than twice during the contract period, and only after the electric car has run out of charge.
Towage We will tow your vehicle to the nearest repair shop, storage site or your place of residence in Lithuania, when a serious breakdown or traffic accident has rendered operation of the vehicle impossible or if it endangers normal driving, passenger safety or the vehicle itself.
Starting the engine If it is not possible to continue the trip, a technical assistance specialist arrives at your location perform minor repairs. You will have to pay for the materials used during the repair.
Fuel supply If it is not possible to continue the trip, a technical assistance specialist will deliver fuel to your location. We deliver fuel free of charge, but the cost of the delivered fuel is covered by the customer.
Wheel replacement If it is not possible to continue the trip, a technical assistance specialist arrives at your location and replaces the damaged tire of your vehicle (we will provide the service if you have a spare wheel).
Emergency unlocking in case of a lockout If it is not possible to continue the journey, a technical assistance specialist will unlock the vehicle door in an emergency or deliver you your spare keys.
Taxi service for the driver and/or passengers When the vehicle cannot continue the journey and is towed and its repair is expected to take more than 1 working day, we will organize transportation of the driver and/or passengers to the intended destination (up to 50 km).
Car storage If the protection of your vehicle is required after a breakdown, incident or car accident, we will arrange its storage for a period of up to 14 days. This service is only available if the car has been towed.

Insurance against Collision with a Wild Animal

The service is provided for an additional fee of EUR 25 per year and is valid in the Republic of Lithuania.

If a car covered by the mandatory vehicle owners' civil liability insurance is involved in a collision with a wild animal on Lithuanian roads (a traffic accident), we compensate the costs directly related to the relevant traffic accident:

	Lietuvoje	Užsienyje
Car repair costs incurred as a result of the traffic accident Car repair costs incurred as a result of the traffic accident, up to EUR 2,000, with an unconditional insurance deductible of EUR 100.
One-time towage of the car from the place of the accident Costs of one-time towage of the car from the location of the traffic accident (up to EUR 300).
The costs of public transport or taxi from the location of the accident for the driver or passenger. The costs of public transport or taxi from the location of the accident for the driver or passenger (up to EUR 100).
Car storage Car storage costs (up to EUR 100).
Rental of a replacement car while the car is being repaired Replacement car rental costs while the car is being repaired, if the car is repaired after the traffic accident (up to EUR 150).
Irreparable damage to the car after the accident If the car is irreparably damaged after the accident (i.e. when the repair costs exceed 75% of the car's market value), the Insurer pays a one-time compensation not exceeding the difference between the car's market value on the day of the accident and the value after the accident, at all times not exceeding EUR 2,000. In this case, the costs of renting a replacement car and the costs of rescuing the car at the location or towing it back to the road are not compensated.
Insurance coverage is valid only on the territory of the Republic of Lithuania Insurance coverage is valid only in the territory of the Republic of Lithuania.
Wild Animal Collision Agreement The insurance contract for the collision with a wild animal expires after the expiry of the compulsory insurance contract for the civil liability of vehicle owners, to which this contract is an appendix, if the owner of the car changes, if the full insurance amount is paid, or if the car is destroyed.
This contract is not subject to an incomplete insurance coverage This contract is not subject to an incomplete insurance coverage.
The police must be notified In the event of a traffic accident, the driver of the vehicle must report it to the police and stay at the scene of the traffic accident.

Mini Casco Plus

The service is provided for an additional fee of EUR 20 per year and is valid in the Republic of Lithuania.

If the passenger car insured is involved in a traffic accident in Lithuania, after which this car becomes unserviceable or poses a danger to other road users (the ‘Traffic Accident’), the Insurer shall indemnify the following costs directly related to the respective Traffic Accident:

	Lietuvoje	Užsienyje
One-time towage of the car from the place of the accident Costs of one-time towage of a car from the location of the Traffic Accident (up to EUR 300).
The costs of public transport or taxi from the location of the accident for the driver or passenger. The costs of public transport or taxi from the location of the accident for the driver or passenger (up to EUR 100).
Public transport costs for 90 days. from the date of the accident When the car is found to be irreparably damaged after the Traffic Accident (i.e. when the repair costs exceed 75% of the car's market value), the reasonable costs for public transport as incurred by insured for 90 days from the date of the Traffic Accident (up to EUR 100).
Car storage Car storage costs (up to EUR 100).
Car repair costs incurred as a result of the Traffic Accident Car repair costs incurred due to the Traffic Accident (up to EUR 1,500 EUR after deduction); In case of car repair, the unconditional deductible is EUR 150.
Rental of a replacement car while the car is being repaired Replacement car rental costs during the car repair period, if the car is repaired after the Traffic Accident (but not more than EUR 150).
Rescuing the car at the location of an accident or towing it back to the road Costs of rescuing a car at the location of an accident or towing it back to the road (up to EUR 150).
Irreparable damage to the car after the accident If the car is irreparably damaged after the accident (i.e. when the repair costs exceed 75% of the car's market value), the Insurer pays a one-time compensation not exceeding the difference between the car's market value on the day of the accident and the value after the accident, at all times not exceeding EUR 1,000. In this case, the costs of renting a replacement car and the costs of rescuing the car at the location or being towed back to the road are not compensated.
Irreparable damage to the car after a fire if the fire was not caused by the Traffic Accident In the event of a car fire, when the cost of repairing the car exceeds 75% of the market value of the car, and if the fire did not occur due to the Traffic Accident, the Insurer pays a one-time indemnity not exceeding the difference between the car's market value on the day of the accident and the value after the fire, at all times not exceeding EUR 1,000.
Towage in the case of a sudden and unexpected breakdown during the trip In the case of a sudden and unexpected breakdown of the car insured during the trip (i.e. a trip that has started but cannot be completed due to a breakdown), the Insurer compensates the car towage costs to the location specified by the insured, up to a maximum of EUR 50.
Failure to start due to a flat battery If the car does not start due to a flat battery, the Insurer shall compensate the costs for starting and/or towing the car to the car repair shop, up to a maximum of EUR 50.

Driver and Passenger Accident Insurance

The service is provided for an additional fee of EUR 3 per year and is valid in the Republic of Lithuania.

			Lietuvoje	Užsienyje
		Driver and passengers accident insurance The driver and passengers are jointly insured for 7,500 EUR in the event of death and 7,500 EUR in the event of invalidity. The sum insured per insured person is calculated by dividing the total sum insured by the number of seats installed in the vehicle. The insurance benefit is paid only if the accident occurred during the accident in which the insured car was involved.