BTA
BTA is a motor third-party liability insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
Direct claims settlement at own insurer (TZR) is available as an optional add-on. When purchased, if the policyholder is an accident victim and the accident occurred in Latvia, BTA will handle claims settlement and payment directly, without the policyholder needing to contact the at-fault party's insurer.
Geographic scope
LV
Valid in EEA member states, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, and the United Kingdom. Green Card required for Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey, and Ukraine.
Unique selling points
- Subscription (abonements) option enables automatic monthly OCTA renewal with no manual repurchase required, available via BTA online or mobile app.
- Optional direct claims settlement (TZR) lets accident victims file claims with their own BTA insurer in Latvia, receiving a decision within 5 working days instead of dealing with the at-fault party's insurer.
- Bundled OCTA Jurists add-on provides up to EUR 14,300 in legal expense coverage per event, including criminal defence in Latvia, Lithuania, and Estonia.
- Roadside assistance add-on covers 24/7 vehicle breakdown help across 31 European countries, including towing, replacement vehicle for up to 2 days, and passenger transport up to 30 km.
- EU/EEA insurance history from any member state is fully recognised when calculating the premium, benefiting drivers relocating to Latvia regardless of nationality or previous residence.
Coverage limits
Bodily injury liability
Covered
Covers damages caused to third parties' health and life in a road traffic accident caused by the insured vehicle, up to EUR 5,210,000 regardless of the number of victims.
SourceProperty damage liability
Covered
Covers damages caused to third-party property (including vehicles) in a road traffic accident caused by the insured vehicle, up to EUR 1,050,000 regardless of the number of third parties affected.
SourceLegal defence (OCTA Jurists)
Optional
Optional add-on providing legal assistance and coverage of legal expenses (court costs and fees for legal services) up to EUR 14,300 per insurance period and per event for the vehicle owner, keeper, authorised driver, and passengers involved in a road traffic accident. Criminal defence coverage applies in Latvia, Lithuania, and Estonia. Administrative offence coverage applies in Latvia only, with the number of events proportional to policy term (1 per 3 months, up to 4 per 12 months).
SourceGreen Card (International Insurance Certificate)
Conditional
The standard OCTA policy is valid in EEA countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, and the United Kingdom without a separate Green Card. A Green Card (international insurance certificate) must be separately obtained for travel to Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey, or Ukraine.
SourceRoadside assistance (Palīdzība uz ceļa)
Optional
Optional add-on providing 24/7 roadside assistance for unforeseen vehicle breakdowns and sudden fuel depletion. Services include: phone consultation, specialist dispatch, fault diagnosis, jump-start, flat tyre replacement, fuel delivery, anti-theft device assistance, door unlocking, gearbox unblocking, roadside repairs, towing to nearest garage (or dealer service for vehicles under warranty), replacement vehicle for up to 2 working days, passenger transport up to 30 km, assistance with accident report forms (Riga area), and photography of accident scene (Latvia only). Outside Latvia, total service cost is capped at EUR 500 per incident.
SourceDriver and passenger accident insurance
Optional
Optional add-on covering medical treatment, medication, bandaging materials, and injury costs for the driver and passengers arising from a road traffic accident, as well as losses due to disability of the injured person.
SourcePassenger accident insurance
Optional
Included within the driver and passenger accident insurance optional add-on. Covers medical and injury costs for passengers arising from a road traffic accident.
SourceKey conditions
territorial_scope
The OCTA policy is valid in EEA member states, as well as Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, and the United Kingdom. For travel to Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey, or Ukraine, a separate international insurance certificate (Green Card) is required. Outside Latvia, coverage limits and compensable loss types are governed by the law of the country where the accident occurred.
green_card_rules
The standard BTA OCTA policy serves as proof of insurance in all Green Card system member states covered by the policy territorial scope. For countries not covered (Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey, Ukraine), a separate Green Card must be purchased by contacting BTA customer service at +371 26 12 12 12, via online form, or at a customer service centre. The Green Card (international insurance certificate) can be issued for periods of 15 days to 12 months.
driver_restrictions
No specific driver restrictions are stated in the OCTA policy itself; the policy covers any authorised user of the insured vehicle. Premium pricing takes into account the insurance history (bonus-malus) of the vehicle owner or registered keeper. The bonus-malus system applies uniformly to all OCTA insurers in Latvia via the LTAB central database; new policyholders start at neutral class 6. Insurance history from other EU/EEA member states is also recognised.
claim_notification_deadline
The policyholder must notify BTA of a road traffic accident no later than 10 days from the date of the accident. An agreed notice form (Saskaņotais paziņojums) must also be submitted to BTA within the same 10-day period if the accident was documented using such a form. Claims for property damage must be filed within 1 year of the accident; claims for personal injury (including non-material damage) within 3 years of the accident.
bonus_malus_rules
The bonus-malus (BM) system is administered centrally by the Latvian Motor Insurers' Bureau (LTAB) and applies uniformly to all OCTA insurers. As of 1 August 2024, the previous 17-class BM system was replaced by a centralised insurance history data service. Pricing is now based on the policyholder's insurance history (number of claim-free days and accident-causing events) since 1 May 2004. Insurance history from other EU/EEA member states is also considered. BTA also considers additional risk factors such as traffic penalty points and vehicle usage purpose when calculating the premium.
Documents
OCTA apdrošināšana – Apdrošināšanas produkta informācijas dokuments (IPID) – Standartlīgums
ipid
OCTA apdrošināšana – Apdrošināšanas produkta informācijas dokuments (IPID) – Sabiedrība BTA
ipid
Palīdzība uz ceļa apdrošināšanas noteikumi Nr. 19.PAL1
terms_and_conditions
OCTA juridiskā palīdzība apdrošināšanas noteikumi Nr. 19.J1
terms_and_conditions
OCTA atlīdzība pie sava apdrošinātāja noteikumi Nr. 19TZR.01
terms_and_conditions
OCTA apdrošināšanas abonēšanas noteikumi Nr. 19ABON.1
terms_and_conditions
Policy specifics
Direct loss settlement (TZR)
Optional coverage allowing policyholders to claim directly from their own insurer rather than from the at-fault party's insurer
Legal assistance
Optional additional coverage providing legal support and coverage of legal expenses for policyholders and passengers involved in traffic accidents
Monthly subscription (Abonements)
BTA offers OCTA insurance as a monthly subscription (abonements), under which successive 1-month OCTA policies are automatically concluded and premium is charged monthly to a linked payment card. The subscription can be cancelled by the policyholder at any time via the Mans BTA portal, the mobile app, or by calling +371 26 12 12 12. BTA may revise the premium after 12 consecutive months.
Territory of validity
OCTA coverage is valid in EEA countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, and United Kingdom
Policy period options
Policyholders can choose from flexible policy terms: 1, 3, 6, 9, or 12 months
Mandatory insurance
OCTA is compulsory insurance for all vehicles registered in Latvia; without valid policy, vehicle cannot be used on road
Insurance history consideration
Premium pricing considers insurance history in Latvia and other EU/EEA member states; bonus-malus system applies