What is Golden MTPL for?

Golden MTPL provides full protection: it includes standard MTPL coverage and also covers damage to your vehicle if it’s at fault in an accident or collides with an animal. Available for passenger cars.

What are the benefits?


Dual coverage in a single policy
Golden MTPL combines compulsory insurance (MTPL) and selected voluntary motor vehicle insurance (KASKO) risks in a single policy.
Affordable price
Significantly lower premium compared to KASKO insurance, taking into account the option to select only the most essential risks from the KASKO product.
Option to insure older vehicles
Golden MTPL can be purchased not only for new vehicles but also for older models, which are typically not eligible for KASKO coverage.
Settle claims with your insurer
With Golden MTPL, you can claim compensation from your own insurer (Compensa), even if you are the injured party in an accident.

What are the benefits?

Golden MTPL – the smart way to save

How does a Golden MTPL policy calculate compensation to be paid to the at-fault or partially at-fault party in a road traffic accident?

The Golden MTPL policy provides that compensation is also paid to the insured person at fault in a road traffic accident to cover damages to their vehicle. This compensation is paid according to the Golden MTPL compensation table, which lists the insured parts and the amount (in euros) that can be received for each damaged item.

If the driver is partially at fault in the accident, compensation is paid proportionally to the degree of fault.

If the driver is not at fault in the accident, Golden MTPL functions as a standard MTPL policy, allowing compensation for damages either through repair costs or cash, in accordance with MTPL legislation.

Frequently Asked Questions

Lietuvoje Užsienyje
Which vehicles is Golden MTPL intended for? Which vehicles is Golden MTPL intended for?

Golden MTPL is available only for passenger cars.

What’s the difference between Golden MTPL and regular MTPL? What’s the difference between Golden MTPL and regular MTPL?

Golden MTPL guarantees compensation for damages even if the policyholder is at fault in a collision with another vehicle or if a collision with an animal occurs.

If a collision with an animal or another vehicle occurs (and the policyholder is at fault), compensation is paid according to the damage compensation table.

Is 24/7 roadside assistance included in the policy? Is 24/7 roadside assistance included in the policy?

24/7 assistance is available for an extra fee. For this option, please contact a Compensa sales representative or your insurance specialist.

Are there any deductibles with Golden MTPL? Are there any deductibles with Golden MTPL?

No deductibles apply to the Golden MTPL policy.

What to do in case of an insurance claim? What to do in case of an insurance claim?

Call the police or fill out the coordinated accident statement.
Take photos of the damaged areas.
Submit a claim at www.compensa.lv.
Receive the payment in your account.

How do we calculate your insurance payout? How do we calculate your insurance payout?

If you are the injured party, compensation is calculated according to the MTPL methodology.
If you are at fault or in case of a collision with an animal, compensation is calculated according to the damage compensation table.

How soon must a claim be reported? How soon must a claim be reported?

Report your insurance claim within 3 business days of the accident.

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