Car insurance
Choose the type of protection your car needs – compulsory insurance or Casco. Compare offers and get insured online.
Main types of car insurance: what is the difference between compulsory and CASCO?
Compulsory MTPL insurance
Compulsory motor third party liability insurance (MTPL) is insurance that compensates for damage caused to another person or their car during a traffic accident if you are at fault. This insurance is mandatory by law for all owners of cars participating in road traffic.
Casco insurance
CASCO insurance is a voluntary car insurance that covers damage to your own car regardless of what caused the incident: it could be a traffic accident, natural disaster, vandalism or even theft. CASCO is especially relevant for newer or higher-value cars.
Roadside assistance
Roadside assistance is an additional service that can be beneficial whether you have compulsory motor third-party liability insurance or comprehensive (CASCO) coverage. It provides access to on-site assistance—such as towing, minor repairs, fuel delivery, or even a replacement vehicle—in the event of an incident on the road. Some insurance companies include this service at no extra cost, so it is worth checking.
The price is influenced by the driver's age and experience.
Insurance companies assess risk – the lower the chance of causing an accident, the cheaper the car insurance. Young drivers under 25 and those with little driving experience often pay higher insurance premiums. Meanwhile, experienced drivers with a good driving history can expect lower prices or loyalty discounts. If you are not the only one driving the car, by properly selecting the age of the youngest driver and the minimum experience of the other driver, you will not only be able to safely entrust your car to your son or daughter, but you can also save on part of the insurance premium.
Insurance duration and renewal
Most often, insurance contracts are concluded for a period of 12 months, but some insurance companies allow you to choose shorter terms – for example, 1, 3 or 6 months. This may be relevant for seasonal use or other specific needs.
The insurance contract can be extended 30 days before the end of the current contract.
It is important to remember: it is always worth checking and comparing insurance offers before the contract expires. Even if the previous insurance contract was suitable, the price and conditions can change significantly over the course of a year.
Frequently Asked Questions
Is it possible to have compulsory and CASCO car insurance with different insurance companies?
Ar automobilio KASKO draudimui reikia pateikti automobilio nuotraukas?
What is a deductible and how is it applied in the event of a claim?
Does the insurance company pay damages in all cases?
No. The insurance benefit may not be paid or may be paid only partially if:
- The vehicle was driven by a person who did not have a driving license;
- The driver was drunk or intoxicated;
- The car was technically unsound or did not comply with the requirements of road traffic regulations;
- Insurance terms and conditions have been violated (e.g., no photos were provided, no premium was paid).
What documents are required to take out car insurance?
- Car registration certificate (technical passport) data;
- Personal identification document;
- Driver’s license data (when determining driving experience);
- In the case of comprehensive insurance – photographs of the car.
What to do in the event of a traffic accident?
- Take photos of the scene and damage;
- Fill out a traffic accident declaration;
- Report the incident to your insurance company as soon as possible (online or by phone).
Timely and accurate data will help to settle the claim faster.
Choose the type of car insurance you need.