Motor Third Party Liability Insurance (MTPL)

Who requires

The Compulsory Civil Liability Insurance (MTPL) is required for all road vehicles that participate in the road traffic, including trailers and mopeds. The policy covers damage caused by the driver of the company vehicle to another vehicle or property, as well as material and non-pecuniary (moral) damages to another person.

What are the benefits?

Customer service centers throughout Latvia
Purchase insurance at Compensa customer service centers in Latvia
24/7 customer support
Call +371 67559999 to receive necessary information 24/7
Individual approach
We offer more favorable insurance terms to our loyal customers and tailor our solutions to individual needs
Convenient and quick purchase of MTLP online
You can quickly and conveniently purchase MTLP online by choosing the required term - 3, 6, 9 or 12 months

What are the benefits?

Learn more about Compensa MTLP

Losses covered by MTLP

If you have caused a road traffic accident, Compensa MTPL policy will cover the damages caused to the third-party property and losses caused to a person.


The insurance policy covers the following damage caused to property:

  • Damage of the vehicle (repair costs),
  • Total loss of the vehicle (if repairs are no longer technically possible and/or economically feasible),
  • Evacuation of the vehicle from the scene of the accident,
  • Damage to roads, structures, buildings and the environment.


The insurance policy covers the following damage caused to persons:

  • Transportation, stay, treatment and rehabilitation of the victim at a medical facility,
  • Medical care of the victim,
  • Purchase of medical products,
  • Home treatment and related costs,
  • Prosthetics, purchase of technical aids,
  • Non-pecuniary (moral) damage related to the physical injury, mutilation, death of a provider or dependent, disability.
  • Par ceļa izdevumiem, apmeklējot ārstniecības vai medicīniskās rehabilitācijas iestāde,
  • Par mācību maksu un citus ar profesionālās izglītības apguvi saistītus saprātīgus izdevumus.


Remember! If you have caused a road traffic accident, you will have to pay for the repair of your vehicle yourself. In such cases, the Compensa MOD policy would be useful.
Bonus - Malus

Bonus-Malus (BM) is the vehicle owner's insurance risk classification used as one of the parameters for calculating the insurance premium. The BM classes are recalculated once every calendar year - on 15 September, and it is centrally performed by the Latvian Motor Insurers’ Bureau (LTAB).


More about the BM system.

MTLP Standard Contract

When you purchase an MTLP policy for your vehicle, you will receive the MTLP standard contract policy valid in Latvia and all European Economic Area (EEA) member states, Switzerland, Andorra and Serbia.

Remember! When traveling abroad, you must bring a printout of the MTLP standard contract policy.

Learn more about the validity of MTLP contracts in different countries.

Green card

When traveling to Albania, Bosnia and Herzegovina, Belarus, Israel, Iran, Morocco, Macedonia, Montenegro, Russia, Tunisia, Turkey and Ukraine, you must obtain a Green Card, which you can purchase in person in all our branch offices and at our partners. The Green card is printed on a special form.


Learn more about the validity of MTLP contracts in different countries.

Border Insurance Contract

You require a border insurance contract, if your vehicle is registered outside the European Economic Area (for example, in Russia, Belarus, USA etc.) and the driver cannot present an MTLP contract that is valid in the Republic of Latvia.

Learn more about the validity of MTLP contracts in different countries.