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Pasirinkite transporto priemonę
Pasirinkite, ką norite apdrausti – automobilį, motociklą ar priekabą.
What is compulsory insurance?
Compulsory motor third-party liability insurance protects against financial consequences arising when the use of a vehicle causes damage to other persons. The insurance can cover damage to the injured party’s property, health, or life, as well as non-pecuniary damage in cases provided for by law.
It is important to know that compulsory insurance is not intended to cover damage to your own vehicle if you are responsible for the traffic accident. Casco insurance is designed for such protection.
Mandatory insurance must be maintained for as long as the vehicle is registered and subject to the insurance obligation.
What does the premium depend on?
The amount of the compulsory insurance premium depends on numerous factors and varies constantly. Key factors in calculating the premium include the vehicle type (e.g., passenger car, truck, motorcycle) and technical specifications such as power, weight, and fuel type.
The age and driving experience of the owner, manager or other drivers (younger and less experienced drivers tend to pay higher premiums), previous insurance history (for example, the frequency and size of claims), and the type of insurance they have had.
In addition, the place of registration is also important – in larger cities, such as Vilnius, Kaunas, Klaipėda, insurance premiums are usually higher.
Different insurers may assess the same risk factors differently; consequently, their offers for the same vehicle and driver can vary. Therefore, it is worth comparing prices and terms from several insurers rather than settling for the first offer you receive.
What is important to know about compulsory insurance
Insurance amount
The amount of compulsory insurance against civil liability of motor vehicle operators in respect of a single traffic accident in the Republic of Lithuania, irrespective of the number of third parties injured, is €6,450,000 in respect of damage to the person (including non-pecuniary damage) and €1,300,000 in respect of property damage.
If a traffic accident occurs in another European Union country, compensation for damages is paid in accordance with the insurance limits established by the laws of that country or the limits established in Lithuania, whichever are higher.
What is important to disclose to the insurer?
When concluding a compulsory insurance contract, it is important to provide the insurer with accurate information regarding the vehicle and other circumstances requested. If the insurer asks about the vehicle’s intended use, drivers, or other risk factors, the data should be provided accurately.
Insurance companies must be informed if your car will be used for any purpose other than personal use, such as commercial activities, paid transport services or transport of goods, rental services, driving lessons, transport of dangerous goods, security services, etc.
Some insurance companies require notification if the car is to be used in countries where traffic is going in the opposite direction (e.g. the UK). Please read your insurance contract carefully and contact us if the terms and conditions do not meet your needs or circumstances.
Assessment criteria and premium calculation methods may vary among different insurers. Consequently, different insurers may offer different prices or apply varying contract terms for similar vehicles. Standard compulsory motor third-party liability insurance terms stipulate that the policyholder must provide the insurer with the information necessary to conclude the contract, while the insurer itself calculates the insurance premium.
Insurance territory
A standard compulsory insurance policy concluded in Lithuania is valid not only in Lithuania. Insurance coverage applies in the countries of the European Economic Area and Switzerland, as well as—under international agreements—in certain other countries where coverage is recognized based on the vehicle’s registration number.
Typically, the insurance is valid without restrictions in these territories; however, the insurance policy may specify certain exceptions or additional conditions—for instance, regarding specific countries where coverage does not apply.
You can check the validity of compulsory insurance in a specific country in your insurance policy or “Green Card”.
"Green Card"
An international motor vehicle civil liability insurance certificate confirming that your vehicle is covered by compulsory insurance for travel outside Lithuania or the European Economic Area (EEA). Starting January 1, 2025, the use of the “Green Card” in countries within the “Green Card” system is recognized in electronic form (PDF format) as well. Drivers may present the “Green Card” document directly on their electronic device (e.g., a phone).
The “Green Card” is issued together with the compulsory motor third-party liability insurance policy. If you are traveling outside Lithuania with your vehicle, it is recommended to print out the “Green Card” and keep it in the car.
If you are travelling to countries outside the EEA, a “Green Card” is essential. If you do not have this document, you may be required to take out border insurance, which is often more expensive. If you have an accident abroad, the “Green Card” allows you to resolve insurance disputes more quickly, as it ensures that the insurance cover is valid.