Compensa
Compensa is a motor third-party liability insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
EEA + Green Card countries
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. Green Card required for Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, and Ukraine.
Unique selling points
- Policy can be purchased online in minutes with flexible terms of 1, 3, 6, 9, or 12 months, including a 30-day option.
- 24/7 helpline (8888 or +371 67558888) provides roadside assistance anywhere in Latvia and abroad.
- Loyal customers receive more favourable insurance terms and pricing, rewarding long-term relationships.
- Compensa is part of Vienna Insurance Group, one of the largest insurance groups in Central and Eastern Europe, providing financial stability and broad claims-paying capacity.
- Optional Zelta OCTA (Golden MTPL) upgrade combines mandatory OCTA with select CASCO risks in a single policy at significantly lower cost than full CASCO.
Coverage limits
Bodily injury liability
Covered
Compensation for damages caused to a person (injuries, medical treatment, rehabilitation, disability, disfigurement, death, and non-pecuniary/moral damages) up to EUR 6,450,000 regardless of the number of injured persons, as set by the Latvian MTPL Law.
Property damage liability
Covered
Compensation for damages caused to third-party property (vehicles, roads, buildings, structures, environment) up to EUR 1,300,000 regardless of the number of third parties, as set by the Latvian MTPL Law.
Legal defence
Not offered
Legal defence costs are not covered under the standard Compensa OCTA policy. No legal defence add-on is listed in the official Compensa OCTA product documentation.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card (International Motor Insurance Certificate) is issued free of charge together with the OCTA policy and is valid in all countries covered by the standard policy territory. For travel to 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 an extension in advance through Compensa customer service centres; no separate fee is charged for the certificate itself.
Roadside assistance
Optional
24/7 roadside assistance is available as an optional add-on to the standard OCTA policy. Helpline: 8888 (in Latvia) or +371 67558888 (abroad). Vehicle evacuation, towing from accident scene, and passenger transportation services are included in the add-on.
Driver accident insurance
Optional
Optional accident insurance for the vehicle driver (and passengers) covering injuries, disability, disfigurement, and death resulting from a road traffic accident. Available as an add-on to the standard OCTA policy under terms O-NGA 20/1.
Passenger accident insurance
Optional
Optional accident insurance for passengers of the insured vehicle, covering injuries, disability, disfigurement, and death resulting from a road traffic accident. Available as an add-on under the same terms as driver accident insurance (O-NGA 20/1).
Key conditions
territorial_scope
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 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 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
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
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.
Where to buy
Documents
Policy specifics
Territorial scope
MTPL standard policy valid in Latvia and all EEA countries, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, and UK
Additional injury coverage
Optional additional coverage for injuries, disability, disfigurement and death resulting from road traffic accidents
Replacement vehicle
Provision of replacement vehicle during repair period if insured vehicle cannot be used after accident
Claim notification period
At-fault party must submit coordinated accident statement within 10 calendar days; injured party within 1 year
Coordinated accident statement
Formal document completed at accident scene by both drivers to record circumstances; required for claims processing
Accident scene procedure
For accidents with injuries, property damage to third parties, or vehicle immobility - State Police must be called; coordinated statement only for minor property damage between two vehicles
Green Card requirement
International insurance agreement required when driving to Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia, or Ukraine