Motor Third Party Liability Insurance (MTPL)

This type of insurance is compulsory for every owner of a motor vehicle who participates in road traffic within the EU and EEA (Iceland).

Motor Third Party Liability Insurance is the civil liability of the owner or legal user of a land vehicle for damage caused to a third party in a traffic accident.

You can supplement your MTPL policy with additional services such as reimbursement with your own insurer, driver accident insurance, roadside assistance, windscreen insurance, or reimbursement even in case if you are one of the guilty parties.

Insurance coverage area: usually Europe, but you can narrow it down to the Baltic area.

Validity term: 1, 3, 6, 9 or 12 months.

Check your MTPL insurance on the official website of the Latvian Motor Insurers’ Bureau (LTAB).

If you need extra security for your vehicle protecting you against the risks of theft, total loss and damage, we recommend purchasing a CASCO policy.

Attention! Penalty for driving without OCTA insurance:

Moped driver: EUR 30-55;

Driver of another vehicle: EUR 85-120;

Owner (driver, holder) of a truck (over 12 tonnes) or bus (over 12 tonnes), whether private individual or legal entity: EUR 400-700;

Owner (driver, holder) of another vehicle, private individual or legal entity: EUR 350-650;

Commercial enterprise (merchant), if the vehicle is put up for sale, whether private individual or legal entity: EUR 350-650.

Click here for more information about the Latvian MTPL Law

GREEN CARD (INTERNATIONAL INSURANCE CONTRACT)

Green Card is your protection in Green Card countries for damage caused to a third party as a result of a traffic accident that was your fault.

This insurance contract is arranged for a vehicle registered in Latvia and participating in road traffic in a country that is a member of the Green Card system: Albania, Belarus, Bosnia and Herzegovina, Iran, Israel, Moldova, Montenegro, Morocco, North Macedonia, Russia, Tunisia, Turkey and Ukraine.

Validity term: 15 days, or 1-12 months.

Legal entities can benefit from our MPTL and Green Card fleet quotations: all fleet units will be insured with one partner for a fixed period and a better total unit premium.