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.
• Travel expenses incurred due to a visit to a medical treatment or rehabilitation facility,
• Tuition fee and other professional education-related reasonable expenses.

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.

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, as well as in the Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina, Great Britain and Northern Ireland.

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.

When traveling to Albania, Belarus, Israel, Iran, Morocco, Moldova, Northern Macedonia, 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.

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

A border insurance contract is required for a vehicle registered in countries outside the European Economic Area and the Swiss Confederation (e.g. Russia, Belarus, the USA, etc.) and whose driver cannot produce an MTPL contract valid in the territory of the Republic of Latvia.

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

The following risks are included in an accident insurance contract:

• Injuries - compensation for injuries as a result of a road accident;
• Disability and Personal Injury - benefits for disability or permanent disfigurement as a result of a road accident;
• Death - compensation for loss of life as a result of a road accident.

• 24 h advice in case of accident
• Advice on completing the Agreed Statement
• Starting the engine with the starting leads
• Fuel delivery
• Replacing a wheel with a spare
• Repairs permitted by the conditions of the road
• Technical assistance abroad
• Transport (evacuation)
• Taxi service (within 30 km)

If the vehicle cannot be repaired after an accident, a replacement vehicle is provided until the damage to the insured vehicle that prevents it from participating in road traffic is repaired.