AAS BTA Baltic Insurance Company
BTA
BTA is a motor third-party liability insurance for the Latvia market with online purchase and 24/7 assistance.
Direct payment
Policyholders/claimants can choose how to receive settlement: vehicle repair at a BTA partner service, repair at a service of their own choice, or a cash payout equal to 70% of the calculated damages as required by the OCTA law.
Geographic scope
Latvia
Valid in all European Economic Area countries, plus Switzerland, Serbia, Andorra, Bosnia and Herzegovina, the United Kingdom, and Montenegro.
Unique selling points
- Fully online OCTA calculator lets customers get a quote and issue a policy instantly by entering the vehicle's registration number.
- OCTA monthly subscription option automatically charges a saved card each month and keeps the price fixed for at least 12 months.
- 24/7 client support and claims/roadside assistance phone line at +371 26 12 12 12.
- Claimants can choose between three settlement options: repair at a BTA partner service, repair at a service of their own choice, or a cash payout.
- Optional "indemnity from your own insurer" add-on lets policyholders claim compensation directly from BTA instead of from the at-fault driver's insurer.
Coverage limits
Bodily injury liability
Covered
Covers damages caused by the insured vehicle to third parties' health/life in a traffic accident occurring in Latvia, up to EUR 5,210,000 regardless of the number of victims.
Property damage liability
Covered
Covers damages caused by the insured vehicle to third parties' property, including their vehicles, in a traffic accident occurring in Latvia, up to EUR 1,050,000 regardless of the number of third parties.
Legal expenses assistance (OCTA Legal Assistance)
Optional
Optional add-on, sold only together with the OCTA contract, covering legal assistance and litigation/legal-service expenses for pursuing compensation after a traffic accident, up to a EUR 14,300 limit per insurance period.
Green Card (international motor insurance card)
Not offered
Not detailed as part of the standard OCTA contract in the reviewed policy documents; a Green Card / border insurance contract must be purchased separately for travel to countries outside the policy's standard territorial scope.
Roadside assistance (Palīdzība uz ceļa)
Optional
Optional add-on providing 24/7 phone consultation and roadside assistance (breakdown diagnostics, minor repairs, towing to the nearest service, up to 2 days of a replacement vehicle, and transport of up to 9 passengers up to 30 km). Outside Latvia, cumulative service costs for a single incident are capped at EUR 500.
Accident insurance for the driver
Optional
Optional add-on (Noteikumi Nr. 8A) covering death, disability, injury/trauma and medical expenses for the vehicle's tiesīgais lietotājs (driver) resulting from a road traffic accident; the specific sums insured for death, disability and trauma are set individually in the policy and are not fixed by the terms.
Accident insurance for passengers
Optional
Optional add-on (Noteikumi Nr. 8A) covering death, disability, injury/trauma and medical expenses for the vehicle's passengers resulting from a road traffic accident; the specific sums insured are set individually in the policy and are not fixed by the terms.
Key conditions
Territorial scope
The OCTA contract is valid throughout the European Economic Area, plus Switzerland, Serbia, Andorra, Bosnia and Herzegovina, the United Kingdom, and Montenegro.
Green card rules
The territorial scope applies automatically within the listed countries; a Green Card is required for driving in countries outside this scope (e.g. Albania, Iran, Israel, Morocco, Moldova, Tunisia, Turkey, Ukraine) and must be purchased separately from BTA.
Driver restrictions
The base OCTA liability cover applies regardless of the driver, as required by the mandatory OCTA law; specific driver-related exclusions (e.g. speeding over 40 km/h, alcohol/drug influence, driving without a valid licence) apply only to the optional driver/passenger accident insurance rider, not to the core third-party liability cover.
Claim notification deadline
The policyholder must notify BTA of a traffic accident no later than 10 days from the moment it occurred, and submit a completed coordinated accident report form if one was required.
Bonus-malus rules
Not specified in the reviewed BTA OCTA policy documents (T&Cs and IPIDs); no bonus-malus mechanics, discount tiers, or claims-history pricing rules are described in these sources.
Documents
OCTA Insurance Product Information Document
ipid
OCTA Insurance Product Information Document (alternate)
ipid
OCTA Indemnity from Your Own Insurer – Terms No. 19TZR.01
terms_and_conditions
OCTA Legal Assistance – Terms No. 19.J1
terms_and_conditions
Roadside Assistance Service – Terms No. 19.PAL1
terms_and_conditions
Driver and Passenger Accident Insurance – Terms No. 8A
terms_and_conditions
Policy specifics
Legal assistance for dispute resolution
Optional add-on providing legal assistance and covering legal expenses arising from traffic accidents
Indemnity from your insurer
Optional add-on providing indemnity coverage for damages caused by the insured vehicle, compensating the vehicle owner directly for their losses
Accident insurance for drivers and passengers
Optional add-on providing accident insurance coverage for vehicle drivers and passengers, including medical expenses and disability benefits
Territorial scope: European Economic Area (EEA)
OCTA policy is valid in all European Economic Area (EEA) countries plus Switzerland, Serbia, Andorra, Bosnia and Herzegovina, United Kingdom, and Montenegro
Policyholder obligation: Accident reporting within 10 days
Policyholder must notify insurer of traffic accident within 10 days and submit coordinated accident report form if applicable
Settlement method: Direct repair or cash payment
Policyholder can choose settlement method: repair at BTA partner service, repair at own choice of service, or cash payment (70% of calculated damages)
Coverage scope: Third-party liability only
OCTA covers damages caused to third parties (other road users, pedestrians, cyclists) in traffic accidents; does not cover damage to insured vehicle when policyholder is at fault