If
If is a motor third-party liability insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
If the insured has purchased the optional 'Atlīdzība pie If' (OCTA+) add-on, claims for damages suffered in an accident caused by another EEA-registered driver can be submitted directly to If instead of the at-fault party's insurer. This direct settlement service is valid in the Baltic states only. Without this add-on, claims must be submitted to the at-fault party's insurer.
Geographic scope
EEA + Green Card countries
Valid in all EEA countries, Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina, United Kingdom of Great Britain and Northern Ireland, and Montenegro. For countries outside this area, a separate Green Card contract is required.
Unique selling points
- Purchase If OCTA online at mans.if.lv and save up to 10% compared to offline channels, with instant policy issuance and delivery by email.
- Optional 'Atlīdzība pie If' (OCTA+) add-on enables direct claim settlement with If after an accident caused by another EEA driver — no need to deal with the at-fault party's insurer.
- 24/7 customer support available at +371 67 338 333 and via the If Mobile Baltics app and Mans If online portal for claims submission and policy management.
- Comprehensive product range under one OCTA policy: standard contract, border insurance, and Green Card all available from If, covering all vehicle types including electric scooters from July 2025.
- If P&C Insurance AS is supervised by both Latvijas Banka and Estonian Finantsinspektsioon, providing dual regulatory oversight and financial stability backed by the Nordic If/Sampo Group.
Coverage limits
Bodily injury liability (third-party persons)
Covered
Covers compensation for damages caused to the health and life of third parties in a road traffic accident caused by the insured vehicle. The statutory maximum limit under Latvian OCTA law is 6,450,000 EUR regardless of the number of injured persons.
Property damage liability (third-party property)
Covered
Covers compensation for damages caused to property of third parties (including vehicles) in a road traffic accident. The statutory maximum limit under Latvian OCTA law is 1,300,000 EUR regardless of the number of third parties.
Legal defence costs
Not offered
Legal defence costs are not covered under the standard If OCTA Standartlīgums policy. The OCTA product covers third-party liability only; own legal defence is not included.
Green Card – International MTPL agreement
Covered
The Green Card (product Nr. 2025/01) is a separate optional insurance contract for Latvian-registered vehicles travelling to countries outside the EEA that are members of the Green Card system (e.g. Albania, Belarus, Iran, Morocco, Tunisia, Turkey, Ukraine). Valid for 15 days to 12 months. Must be purchased additionally; the standard OCTA Standartlīgums does not cover these countries.
Roadside assistance
Excluded
Roadside assistance is not included in the standard If OCTA Standartlīgums policy. It may be available as part of the optional OCTA+ add-on package or as a separate product.
Driver accident insurance
Excluded
Accident insurance for the driver of the insured vehicle is not included in the standard If OCTA Standartlīgums. OCTA covers third-party liability only and does not cover bodily injury to the at-fault driver.
Passenger accident coverage
Conditional
Passengers of third-party vehicles injured in an accident caused by the insured are covered as third parties under the standard OCTA bodily injury liability limit. Passengers of the at-fault insured vehicle are not automatically covered under standard OCTA; separate accident insurance would be required for them.
Key conditions
territorial_scope
The If OCTA Standartlīgums (Nr. 2025/01) is valid in all European Economic Area (EEA) member states, the Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina, the United Kingdom of Great Britain and Northern Ireland, and Montenegro. For countries outside the EEA or Green Card system, a separate Green Card contract (Nr. 2025/01) must be purchased. A printed copy of the policy must be carried when driving abroad, as traffic police in other countries do not have access to the Latvian MTPL registry.
green_card_rules
The Green Card (international MTPL agreement, Nr. 2025/01) is a separate product for travel to Green Card member countries not covered by the standard OCTA Standartlīgums. It is available for Latvian-registered vehicles and can be purchased for 15 days to 12 months by calling +371 67338333. The Green Card lists the specific countries in which it is valid on the policy document itself.
driver_restrictions
The standard OCTA Standartlīgums covers the civil liability of the vehicle owner and any driver operating the vehicle with the owner's permission. The policy is tied to the vehicle, not to a specific driver. However, the insurer retains a right of recourse (regress) against the at-fault driver in certain cases, including driving under the influence of alcohol or drugs, driving without a valid licence, or driving with deliberate intent.
claim_notification_deadline
The policyholder and insured must notify the insurer as soon as possible after a road traffic accident. Under the general T&C (TGTPL-20251, clause 3.1.4), the insurer must be notified without delay and no later than within 5 business days of becoming aware of circumstances that may significantly increase the probability of the insured risk or the potential extent of losses. Full claim documentation must be submitted within the timeframe specified in the product terms or as required by the insurer. The insurer renders a claims decision within 30 days of receiving all required documents (clause 11.1).
bonus_malus_rules
MTPL premium pricing takes into account the vehicle owner's Bonus-Malus (BM) classification, which is a risk classification system administered by LTAB (Latvian Motor Insurers' Bureau) based on the insurance history (claims submitted or not submitted over at least the last 5 years). BM classes are recalculated annually on 15 September by LTAB. A better driving history (no claims) results in a lower BM class and reduced premiums. If uses insurance history certificates issued by LTAB (Latvia) or other competent authorities (abroad) to determine pricing.
Where to buy
Policy specifics
Third-party liability coverage for motor vehicles
Mandatory insurance covering damages caused to third parties (vehicles, property, persons) in traffic accidents. Standard MTPL covers damage to third-party property and bodily injury.
Direct loss settlement (Atlīdzība pie If)
Optional additional coverage allowing injured parties to claim directly from their own insurer (IF) instead of the at-fault party's insurer, simplifying the claims process in Latvia.
Green Card - International MTPL agreement
International motor insurance agreement (Green Card) required for travel to countries outside EEA such as Albania, Belarus, Iran, Morocco, Tunisia, Turkey, Ukraine, etc. Available through IF.
Border insurance (Robežapdrošināšana)
Insurance contract for non-EEA registered vehicles crossing Latvia border. Required when vehicle is registered outside EEA and driver cannot present valid MTPL for Latvia territory.
Mandatory insurance requirement
MTPL is compulsory for all motorized vehicles participating in road traffic in Latvia. Policy must be in force before vehicle uses public roads. Fine penalties apply for driving without valid MTPL.
Territorial validity in EEA and associated countries
IF MTPL standard agreement is valid in all European Economic Area (EEA) countries, Swiss Confederation, Serbia, Andorra, Bosnia and Herzegovina, Montenegro, and United Kingdom. Valid as per Green Card system membership.
Automatic policy termination on vehicle ownership change
MTPL policy automatically terminates when vehicle ownership changes as confirmed by documents (trader invoice, acceptance certificate). New owner must purchase separate MTPL policy. Policy holder informed by notification.
Bonus-Malus classification system
MTPL premium is calculated considering driver's Bonus-Malus class - vehicle owner's insurance risk classification based on previous claims history. BM classes recalculated annually on September 15 by LTAB.