Motor third-party liability

7 insurers with verified coverage data

Build a multi-insurer comparison

Comparison builder

Build a multi-insurer comparison

Select up to 4 insurers and compare them row by row. The matrix helps shortlist; each column still links to a full detail page.

Selected insurers 4/4

Add insurers to the matrix

Matrix full

18 of 19 rows shown

Feature / category	Balcia May 19, 2026 Open details	BALTA May 19, 2026 Open details	BTA May 19, 2026 Open details	Compensa May 19, 2026 Open details
Overview
Insurer	Balcia Insurance SE	Insurance Joint Stock Company BALTA	AAS BTA Baltic Insurance Company	Compensa Vienna Insurance Group ADB Latvia Branch / Compensa Life Vienna Insurance Group SE Latvia Branch
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
IPID	Not available	IPID	IPID	IPID
Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions	Terms & conditions 1 Terms & conditions 2 Terms & conditions 3 Terms & conditions 4	Not available
Coverage
Bodily injury liability	€6,450,000	€6,450,000	€5,210,000	€6,450,000
Property damage liability	€1,300,000	€1,300,000	€1,050,000	€1,300,000
Legal defence	Not offered	Not offered	Optional	Not offered
Green card	Covered	Optional	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) is issued free of charge upon request for travel to Albania, Iran, Israel, North Macedonia, Morocco, Moldova, Tunisia, Turkey, or Ukraine.	Covered
Passenger accident	Optional	Excluded	Optional	Optional
Key conditions
Territorial scope	The Balcia OCTA policy is valid in all EEA countries, Andorra, Bosnia and Herzegovina, Switzerland, Montenegro, Serbia, and the United Kingdom. A Green Card is required for travel to Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, and Ukraine. The optional 'Atlīdzība pie Balcia' direct settlement add-on is only valid for accidents occurring in Latvia, Estonia, or Lithuania.	The standard MTPL contract is valid in Latvia, EEA countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, United Kingdom of Great Britain and Northern Ireland, and Montenegro. For travel to Albania, Azerbaijan, Morocco, Moldova, Macedonia, Tunisia, Turkey, or Ukraine, a separate Green Card must be purchased. Outside Latvia, coverage limits are governed by the laws of the respective country.	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, North 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.	The standard OCTA policy is valid in Latvia and all EEA member states, the Swiss Confederation, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, and the United Kingdom of Great Britain and Northern Ireland. A printed copy of the policy must be carried when travelling abroad. A Green Card is required for travel to Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, or Ukraine.
Green card rules	The standard Balcia OCTA contract acts as a Green Card (International Motor Insurance Certificate) for all EEA countries, Andorra, Bosnia and Herzegovina, Switzerland, Montenegro, Serbia, and the United Kingdom; this document is issued free of charge. When travelling to countries outside this scope (e.g. Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, Ukraine), a coverage extension is required and a Green Card will be issued at no extra charge to evidence that extended cover. When travelling abroad, Balcia recommends carrying a printed version of the MTPL policy.	The Green Card is a separate international insurance contract concluded for vehicles registered in Latvia for travel in Green Card system member states not covered by the standard contract. It can be purchased in-person or remotely. The Green Card policy takes effect the day after payment. If purchased with a future start date, it takes effect at 00:00 on the stated start date. In case of an accident in a Green Card member state outside the EEA, the road police and that country's Green Card bureau must be notified.	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.	The Green Card is an International Motor Insurance Certificate issued free of charge with the OCTA policy. It is required when driving to or through countries outside the standard OCTA territorial scope that are members of the Green Card system: Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, and Ukraine. The policyholder must arrange the territorial extension in advance with Compensa before travel; no separate charge is made for the certificate itself.
Driver restrictions	The policy covers the vehicle owner, registered holder, or authorised user. The 'Atlīdzība pie Balcia' add-on is void if the driver is found at fault in the accident, if shared fault is established, if the driver was under the influence of alcohol, narcotics or psychotropic substances, or if the vehicle was used in any type of competition at the time of the accident.	No specific driver age or licence restrictions are stated in the BALTA OCTA product sources beyond standard regulatory requirements. The policy is tied to the registered vehicle owner or holder. Any driver of the insured vehicle is covered for third-party liability purposes under the standard OCTA law.	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.	The OCTA policy covers the civil liability of the registered vehicle owner or lawful holder for damages caused to third parties during road traffic. There are no named-driver restrictions under the Latvian MTPL law; the policy follows the vehicle. Recourse may be applied by the insurer if the accident was caused intentionally, under the influence of alcohol, or if the vehicle was used without authorisation.
Claim notification deadline	Upon occurrence of an MTPL insured event, the insured must act in accordance with statutory requirements and contact Balcia as soon as possible. For the 'Atlīdzība pie Balcia' add-on, no repairs should be made to the vehicle before Balcia's approval, as this could affect determination of the cause and extent of losses. Balcia will issue a claims decision within 5 (five) business days of receiving all required documents.	Upon occurrence of an insured event, the insurer must be notified as soon as possible. The agreed notification (saskaņotais paziņojums) must be submitted to the insurer within 10 days of the accident date. Claims can be reported 24/7 via the website, mobile app, or by phone at +371 67533375.	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.	The at-fault party must submit a completed coordinated accident statement and explanation of circumstances to Compensa within 10 calendar days of the accident, together with photos of the scene and vehicle damage. The injured party has up to 1 year to submit a compensation claim. Claims can be submitted via the Compensa portal or by email to atlidzibas@compensa.lv.
Bonus malus rules	Latvia's Bonus-Malus (BM) system has been transformed into a centralised insurance history data provision service as of August 1, 2024. Each insurer independently assesses policyholder risk based on insurance history provided by LTAB, which reflects the number of insurance days and claims for all vehicles owned or held by the person since May 2004. The BM system is no longer recalculated annually on September 15; instead, insurance history data is updated daily. Insurers use this data alongside other factors (penalty points, vehicle purpose, etc.) to determine the MTPL premium.	Latvia uses a centralised insurance history system (replacing the previous Bonus-Malus class system from 1 August 2024). Historically, 17 BM classes applied: classes 1-5 (high risk/malus surcharges), class 6 (base/neutral), classes 7-17 (low risk/bonus discounts). Class is recalculated annually on 15 September based on the last 11 years of insurance history. To advance a class, the vehicle must be insured for at least 275 days per year with no at-fault accidents. BALTA uses more than 40 individual risk factors in premium calculation. The insured history transfers between insurers; switching insurer does not reset the risk class.	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.	The Bonus-Malus (BM) system is centrally administered by the Latvian Motor Insurers' Bureau (LTAB) and recalculated once per calendar year on 15 September. There are 17 BM classes: classes 1–5 are high-risk (malus), class 6 is the neutral starting class assigned on first purchase, and classes 7–17 are low-risk (bonus). To advance one class, the vehicle must be insured for at least 275 days in the year with no at-fault accidents. The BM class is assigned to the vehicle owner/holder, not the vehicle itself.
Proof and next steps
Direct payment policy	Under the optional 'Atlīdzība pie Balcia' (Indemnity from Balcia) add-on, Balcia settles vehicle damage claims directly with the policyholder's own insurer instead of requiring the claimant to approach the at-fault party's insurer. Balcia will either pay repair costs directly to the repair shop or pay compensation in cash based on an expert assessment. This add-on is only valid for accidents in Latvia, Estonia, or Lithuania where the insured driver is not at fault.	Claims must be reported to the insurer as soon as possible after the insured event occurs, by submitting a claim in person or by calling +371 67533375. The agreed notification (saskaņotais paziņojums) must be submitted to the insurer within 10 days of the accident date. Claims can be submitted 24/7 via the website, mobile app, or by phone.	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.	Direct loss settlement (Tiešā zaudējumu regulēšana / TZR) is available as an optional add-on, allowing the injured party to submit a claim to their own insurer (Compensa) rather than to the at-fault party's insurer, when both vehicles are insured in the direct settlement system.
Last verified	May 19, 2026	May 19, 2026	May 19, 2026	May 19, 2026