Compensa Motor third-party liability (Octa Standartligums)
Underwritten by Compensa Vienna Insurance Group ADB Latvijas filiāle · Latvia
motor third-party liability insurance from Compensa for the Latvia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-07-01Sources
Unique selling points
Flexible online purchase of OCTA for terms of 1, 3, 6, 9 or 12 months.
Discounts for loyal customers are available when purchasing an OCTA policy.
24/7 customer support hotline available for policyholders.
Optional Green Card agreement extends validity to non-EEA countries such as Turkey, Ukraine and Moldova.
Additional optional risks such as roadside assistance and driver accident cover can be added to the standard OCTA contract.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€5.2M
Legal defence costs
No limit stated
Compensa's standard OCTA does not include a separate legal defence costs cover.
Green Card international insurance agreement
Optional
A separately purchasable international agreement (Green Card) required for travel to non-EEA Green Card countries such as Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia or Ukraine; it is valid only in the countries listed on the policy.
Section: Vairāk par Compensa OCTA
Zaļā karte ir starptautisks apdrošināšanas līgums, kas tiek noslēgts attiecībā uz Latvijā reģistrētu transportlīdzekli, kurš piedalās ceļu satiksmē valstī, kura ir Zaļās kartes sistēmas dalībvalsts. To ir nepieciešams iegādāties, ja plāno ar auto doties uz Albāniju, Azerbaidžānu, Maroku, Moldovu, Tunisiju, Turciju, Ziemeļmaķedoniju vai Ukrainu vai šķērsot kādu no šīm valstīm.
Roadside assistance
Optional
Roadside assistance is offered as an additional optional risk alongside the OCTA standard contract, governed by separate insurance terms (HELP26); no monetary limit is specified.
Section: Vairāk par Compensa OCTA
Sauszemes transportlīdzekļu palīdzības uz ceļa apdrošināšanas noteikumi Nr. HELP26
Driver accident insurance
Optional
Driver accident insurance can be added to the OCTA standard contract as an additional risk under separate policy terms (O-NGA); no monetary limit is specified.
Section: Vairāk par Compensa OCTA
Sauszemes transportlīdzekļa lietotāja Nelaimes gadījumu apdrošināšanas noteikumi Nr. O-NGA 20/1. Spēkā no 01.09.2020.
Passenger accident insurance
No limit stated
There is no standalone passenger accident add-on to the OCTA standard contract; combined driver-and-passenger accident cover is offered only within the separately branded Zelta OCTA product.
Section: Dokumenti
Sauszemes transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšanas noteikumi Nr. VPNGA26
Key conditions
Driver restrictions
OCTA insures civil liability tied to the registered vehicle rather than a named driver, in line with Latvian compulsory MTPL law.
Claim notification deadline
For accidents in Latvia, the at-fault party must submit a completed accident statement and explanation within 10 calendar days; claims for accidents in Latvia may be filed within 1 year for property damage and 3 years for personal injury; for accidents abroad, the law of that country applies.
SourcePage 1Section: Vai ir kādi seguma ierobežojumi?
Ja ceļu satiksmes negadījums ir noticis Latvijas Republikā, tad pieprasīt atlīdzību var: 1 gada laikā no ceļu satiksmes negadījuma brīža – par mantai nodarīto zaudējumu; 3 gadu laikā no ceļu satiksmes negadījuma brīža – par veselībai nodarīto kaitējumu (tai skaitā nemantisko kaitējumu).
Bonus-malus rules
The premium takes into account the owner's/holder's insurance history, recorded by LTAB (Latvian Motor Insurers' Bureau); EU/EEA insurance-history certificates are also accepted regardless of which member state issued them.
SourceSection: Kā veidojas OCTA polises cena
Eiropas Savienības vai Eiropas Ekonomiskās zonas dalībvalstīs izsniegta apdrošināšanas vēstures izziņa tiek ņemta vērā neatkarīgi no tā, kurā dalībvalstī tā izdota un neatkarīgi no transportlīdzekļa īpašnieka/turētāja valstspiederības vai iepriekšējās dzīvesvietas dalībvalsts, ja tā tiek iesniegta Compensa vai lejupielādēta LTAB Apdrošināšanas vēstures dati.
Territorial scope
OCTA Standartlīgums is valid in European Economic Area countries, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, and the United Kingdom
Documents
OCTA Insurance Product Information Document (Standard Contract) (opens in a new tab)
Product information sheet · PDF
OCTA Insurance Product Information Document (earlier version) (opens in a new tab)
Product information sheet · PDF
Compensa OCTA Standard Contract terms (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Claims notification and documentation deadline
If you caused the accident, submit the completed accident statement and an explanation of the circumstances to Compensa within 10 calendar days.
SourceCoverage limits for accidents in Latvia
For accidents occurring in Latvia: up to 5,210,000 EUR for personal injury; up to 1,050,000 EUR for property damage
SourceSources
- letasoctas.lvhttps://letasoctas.lv/files/ap/COMPENSA_OCTA_standartligums.pdf#page=1(opens in a new tab)
- compensa.lvhttps://www.compensa.lv/octa-uznemumiem/(opens in a new tab)
- compensa.lvhttps://www.compensa.lv/octa/(opens in a new tab)
- compensa.lvhttps://www.compensa.lv/zelta-octa/(opens in a new tab)
Compensa Motor third-party liability