Extracted from source documents

Gjensidige Motor third-party liability (Octa Standartligums)

Underwritten by ADB "Gjensidige" Latvijas filiāle · Latvia

motor third-party liability insurance from Gjensidige for the Latvia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-07-01Sources

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Key facts

Gjensidige

Unique selling points

15% online discount when purchasing OCTA (and travel insurance) directly through the Gjensidige website.

Free driver accident insurance up to EUR 2,000 is included when OCTA is purchased for at least 6 months.

24/7 customer support hotline is available for policyholders reporting accidents or claims.

Optional DubultOCTA bundle lets a policyholder claim full compensation from their own insurer even in shared-fault accidents, subject only to a EUR 140 deductible.

Flexible policy terms of 1, 3, 6, 9 or 12 months, with a proportionally better premium for longer terms.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€6.5M

Legal defence costs

No limit stated

Not mentioned as a benefit in the reviewed OCTA IPID documents; legal expense cover is not part of the standard MTPL contract in Latvia.

Optional

Green Card (international insurance certificate)

Optional

Optional international extension for Latvian-registered vehicles to obtain liability cover when travelling to Green Card system member countries outside the standard territorial scope (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine); valid from 15 days up to 12 months.

Excluded

Roadside assistance

Excluded

Roadside assistance ("Autohelp24") is offered by Gjensidige only as an add-on risk under a CASCO policy, not under the standard OCTA (MTPL) contract.

Source no longer reachable

Conditional

Driver accident insurance (complimentary add-on)

€2K

Purchasing OCTA for a vehicle (excluding e-scooters, trailers and motorcycles) for a term of at least 6 months entitles the policyholder to free driver accident insurance with a limit of up to EUR 2,000.

Passenger accident insurance

No limit stated

Not mentioned as a benefit of the standard OCTA product in the reviewed sources.

Key conditions

Driver restrictions

The insurer may bring a recourse (regress) claim against the driver if they operated the vehicle under the influence of alcohol, narcotic or other intoxicating substances, without a licence valid for the vehicle category, fled the scene of the accident or evaded a sobriety test, or failed to provide the insurer with the requested information about the accident.

Claim notification deadline

The insurer must be notified of the accident no later than 10 days from the moment it occurred, and a completed accident statement form must be submitted within the same period if one was used.

Bonus-malus rules

Latvia operates a unified national bonus-malus system with 17 classes: classes 1-5 are malus (higher-risk, surcharge) classes assigned to drivers who caused accidents, class 6 is the starting class for a new policyholder, and classes 7-17 are bonus (lower-risk, discount) classes for drivers with a claims-free history.

Territorial scope

Valid in all European Economic Area countries, as well as the Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina, the United Kingdom of Great Britain and Northern Ireland, and Montenegro.

Documents

OCTA Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

OCTA standard contract IPID (2025 edition) (opens in a new tab)

Product information sheet · PDF

OCTA standard contract IPID (2024.02 edition, superseded) (opens in a new tab)

Product information sheet · PDF

OCTA border insurance contract IPID (opens in a new tab)

Policy specifics

Compensation for damages caused to person

MTPL covers damages caused to a person in a traffic accident, with statutory limits of up to 6,450,000 euros per accident in Latvia

Source

Compensation for damages caused to property

MTPL covers property damages including vehicle damage, total loss, and damage to other property/infrastructure, with statutory limits of up to 1,300,000 euros per accident in Latvia

Source

Territorial coverage - EEA and beyond

Standard MTPL policy is valid throughout European Economic Area countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, UK and Northern Ireland

Source

Green Card (International Certificate) coverage

Optional international extension for vehicles registered in Latvia to obtain coverage when traveling in Green Card system member countries including Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine

Source

Mandatory insurance requirement

MTPL is compulsory for all motorized land vehicles (including trailers, mopeds, electric scooters) registered or participating in road traffic in Latvia

Source

Third-party liability coverage only

MTPL covers liability for damages caused to third parties; does not cover the policyholder's own vehicle damage or losses incurred by the at-fault driver

Source

Vehicle registration requirement

MTPL policy must be issued for vehicles that are registered, registerable, or will be registered in Latvia with relevant authorities (Road Traffic Safety Directorate or State Agency for Technical Surveillance)

Source

Claims procedure and notification requirements

Claims must be submitted within defined timeframes (typically 10 calendar days for coordinated accident statements); coordinated statement possible if only two vehicles involved with minor damage; injury cases require police notification; Gjensidige accepts claims 24/7 via online portal

Source

Sources

Gjensidige Motor third-party liability

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