If Motor third-party liability (Octa Standartligums)

Direct Loss Regulation (DLR) - OCTA+ Atlīdzība pie If

Optional add-on allowing policyholders to claim from their own insurer (If) instead of the at-fault party's insurer for accidents in Latvia, Lithuania, and Estonia caused by EEA-registered vehicles

Green Card - International Insurance Agreement

Separate optional policy for travel to non-EEA countries (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine); coverage limits determined by legislation of country where accident occurs, not by If

Statutory compensation limits (mandatory)

MTPL law establishes mandatory minimum limits: 6,450,000 EUR for bodily injury regardless of number of victims; 1,300,000 EUR for property damage regardless of number of third parties

Direct Loss Regulation (DLR) - OCTA+ Atlīdzība pie If

Optional add-on (OCTA+ Atlīdzība pie If) allowing policyholders to claim from their own insurer instead of the at-fault party's insurer for accidents in Latvia, Lithuania and Estonia caused by EEA-registered vehicles; claims are settled directly by If without requiring a separate CASCO policy.

Section: Kāds ir šis apdrošināšanas veids?

OCTA+ Atlīdzība pie If ir sauszemes transportlīdzekļu apdrošināšanas produkts un pasargā no zaudējumiem

International Insurance Agreement (Green Card)

Separate optional policy for travel to countries outside the standard EEA coverage territory (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine); required for vehicles crossing into non-EEA countries.

Section: Vai ir kādi seguma ierobežojumi?

Zaļās kartes apdrošināšanu nevar iegādāties attiecībā uz šādām valstīm: Eiropas Ekonomiskās zonas valstis

Standard coverage territory (EEA+ countries)

OCTA Standard Contract covers European Economic Area countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, the United Kingdom and Northern Ireland, and Montenegro.

Section: Kur es esmu apdrošināts?

OCTA apdrošināšana ir spēkā Eiropas Ekonomiskās zonas valstīs, Šveices Konfederācijā, Serbijā, Andorā

Minimum compensation limits (statutory)

The OCTA law establishes mandatory minimum compensation limits applicable within Latvia: up to 6,450,000 EUR for damage to persons regardless of the number of injured; up to 1,300,000 EUR for property damage regardless of the number of third parties.

Section: Vai ir kādi seguma ierobežojumi?

līdz 6 450 000 EUR – personai nodarītie zaudējumi, neatkarīgi no cietušo personu skaita

Territorial coverage (EEA+ countries)

Standard OCTA is valid in: European Economic Area countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, United Kingdom and Northern Ireland, Montenegro; if accident occurs outside Latvia, liability limits of that country's legislation apply

Claims notification deadline

Insurer must be notified as soon as possible and no later than 10 days after accident date; coordinated statement or written notice if accident recorded by State Police

Section: Kādas ir manas saistības?

Nekavējoties, tiklīdz tas iespējams, bet ne vēlāk kā 10 dienu laikā no ceļu satiksmes negadījuma dienas iesniegt apdrošināšanas sabiedrībai aizpildītu saskaņoto paziņojumu vai rakstveidā informēt apdrošināšanas sabiedrību, ja ceļu satiksmes negadījuma apstākļus fiksējusi Valsts policija.

Early termination grounds before policy expiry

Policy may be terminated early if: vehicle stolen/robbed (police report); registration temporarily suspended (non-use); contract contains error; legal-entity owner liquidated; owner's name changed; other grounds per OCTA law

No coverage for insured's own vehicle damage

Standard OCTA does not cover damage to insured's own vehicle caused by accident where insured is at fault; separate KASKO insurance required for own-damage coverage

Standard claims procedure (third-party liability)

Under standard OCTA, the injured party claims compensation from the at-fault driver's insurer, not from their own; a completed coordinated statement must be submitted to the at-fault party's insurer; the claim is handled under that insurer's procedures.

Section: Kāds ir šis apdrošināšanas veids?

OCTA likumā noteiktos zaudējumus tev atlīdzinās If P&C Insurance AS Latvijas filiāle un tev nebūs jāvēršas pie vainīgās personas OCTA apdrošinātāja

Automatic termination conditions

The underlying OCTA contract terminates automatically without special notice when, among other events: the vehicle's owner changes; a transit number plate is issued; taxi number plates are issued; a commercial passenger-transport licence card is issued; the vehicle is written off; or the vehicle is registered in/out of Latvia from another EEA country or Switzerland.

Section: Kad sākas un beidzas segums?

transportlīdzeklim mainās īpašnieks; tiek izsniegta tranzīta numura karte; tiek izsniegtas taksometra numura zīmes

Insured persons under standard OCTA

Standard OCTA covers the vehicle owner, the registered vehicle holder (in leasing/financing), and any authorized driver; injured third parties (pedestrians, occupants of other vehicles, property owners) can claim damages from the at-fault vehicle's insurer.

Section: Kas tiek apdrošināts?

Apdrošināšanas objekts ir apdrošināšanas polisē norādītais sauszemes transportlīdzeklis