ERGO
ERGO is a motor third-party liability insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
For online-purchased policies, payment is made by bank transfer to ERGO account at the time of purchase in a single payment. In other distribution channels, payment is made up to the policy effective date in a single payment or in installments as specified in the policy, by bank transfer or cash.
Geographic scope
LV
EEZ valstīs, Šveices Konfederācijā, Andorā, Serbijā, Bosnijā un Hercegovinā, Lielbritānijas un Ziemeļīrijas Apvienotajā Karalistē. DubultOCTA – tikai Latvijā, Lietuvā, Igaunijā.
Unique selling points
- Free driver accident insurance (up to 2000 EUR) automatically included for all qualifying vehicles when policy is purchased for 6 months or more — no extra premium required.
- DubultOCTA add-on lets you claim directly from ERGO after an accident caused by another driver, bypassing the at-fault party's insurer entirely.
- 24/7 customer support helpline (+371 22585500) and around-the-clock roadside assistance available as an optional add-on.
- Online policy issuance in minutes with instant electronic delivery — no need to visit a branch or carry a paper policy within Latvia.
- Loyalty discount program provides percentage discounts across OCTA, CASCO, travel, accident and property insurance products for returning clients.
Coverage limits
Bodily injury liability
Covered
Covers damages caused to other persons' health and non-material harm in a road traffic accident caused by the insured vehicle, regardless of the number of injured persons.
Property damage liability
Covered
Covers damages caused to other persons' property (including vehicles) in a road traffic accident caused by the insured vehicle, regardless of the number of third parties.
Legal defence
Not offered
Legal defence coverage is not mentioned or included in the ERGO OCTA standard policy. The policy covers third-party liability only.
Green Card (International Motor Insurance Certificate)
Covered
The base OCTA policy is valid in EEA countries, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, and the United Kingdom. An International Green Card extension is available free of charge on request for travel to countries outside this zone (Ukraine, Macedonia, Montenegro, Tunisia, Turkey, Albania, Israel, Iran, Morocco, Moldova).
Technical roadside assistance
Optional
Optional add-on (available as 'DubultOCTA plus Tehniskā palīdzība') providing 24/7 roadside assistance for vehicles up to 3500 kg on public roads: specialist callout, on-site repairs up to 30 minutes, damage assessment, towing, passenger transport. Liability limit 500 EUR. Available in Latvia, Lithuania, Estonia, and a wide list of European countries.
Driver accident insurance (free)
Conditional
Free driver accident insurance included for all vehicle types (except electric scooters, motorcycles and trailers) when purchasing an OCTA policy for at least 6 months. Covers death, disability and injuries resulting from a road traffic accident caused by the insured driver. Sum insured depends on policy duration: 1000 EUR – 2000 EUR.
Passenger accident insurance
Not offered
Separate passenger accident insurance is not included or offered as part of the ERGO OCTA standard policy. The driver accident cover under this policy applies only to the driver at fault, not passengers.
Key conditions
territorial_scope
The base OCTA coverage is valid in EEA countries, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, and the United Kingdom and Northern Ireland. DubultOCTA risk is valid only in Latvia, Lithuania and Estonia. Roadside assistance (Tehniskā palīdzība) is valid in Latvia, Lithuania, Estonia and a broad list of European countries. An International Green Card is available for travel to countries outside the standard coverage zone.
green_card_rules
The standard OCTA policy includes a Green Card valid in EEA, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, and the UK. For travel to countries outside this zone (Ukraine, Macedonia, Montenegro, Tunisia, Turkey, Albania, Israel, Iran, Morocco, Moldova), a separate International Green Card extension must be requested from ERGO free of charge. The original Green Card document must be carried when travelling abroad.
driver_restrictions
The insurance contract is concluded with respect to the vehicle registered or registerable in the Republic of Latvia. Any person lawfully driving the vehicle is covered. No named driver restriction applies under the standard OCTA policy.
claim_notification_deadline
No later than 10 days from the moment of the road traffic accident: (1) notify the insurer about the accident; (2) submit the completed Agreed Statement of Facts form to the insurer if the accident was documented using this form. When abroad, the laws of the country where the accident occurred must be observed when documenting the accident.
bonus_malus_rules
The Bonus-Malus (BM) risk class is assigned to the vehicle owner or keeper by the Latvian Motor Insurers Bureau (LTAB) based on insurance history (number of insured days and at-fault accidents) over the last 11 years. The system has 17 classes: classes 1–5 are malus (higher risk), class 6 is the starting class for new policyholders, and classes 7–17 are bonus (lower risk, for claim-free drivers). From August 2024, the BM system is being replaced by a centralized insurance history system. Insurance history certificates from other EU/EEA member states are taken into account.
Documents
ERGO OCTA Produkta Informācijas Dokuments (IPID) 2025-11
ipid
OCTA standartlīgums – Apdrošināšanas produkta informācijas dokuments (ERGO Standard Contract IPID)
ipid
Sauszemes transportlīdzekļu īpašnieku civiltiesiskās atbildības obligātā apdrošināšana – Apdrošināšanas produkta informācijas dokuments (jaunākā versija)
ipid
Policy specifics
Free driver accident insurance
When purchasing annual OCTA policy for vehicles (excluding electric scooters, trailers, and motorcycles) for 6+ months duration, free driver accident insurance is included
DubultOCTA optional coverage
Optional bundled product combining OCTA and CASCO principles in single policy, allowing injured party to claim directly from ERGO instead of at-fault driver's insurer
Technical roadside assistance
Optional additional coverage providing specialist callout, on-site repairs up to 30 minutes, damage assessment, vehicle and passenger transport for annual policies
Territorial coverage scope
OCTA basic coverage valid in European Economic Area countries, Switzerland, Andorra, Serbia, Bosnia and Herzegovina, UK and Northern Ireland. DubultOCTA limited to Latvia, Lithuania, Estonia
Bonus-Malus rating system
Vehicle owner risk classification system affecting premium calculation, managed by Latvian Motor Insurers Bureau (LTAB), considers insurance history across EU/EEA member states
Policy duration options
OCTA policies available for 1, 3, 6, 9, or 12-month terms. For policies purchased via agents or branches, annual policies can be paid in monthly installments at the same total cost; online purchases require a single upfront payment.