Balcia Motor third-party liability (Privalomasis Draudimas)
Underwritten by Balcia Insurance SE · Lithuania
motor third-party liability insurance from Balcia for the Lithuania market, with online purchase.
Last verified Aug 28, 2026Sources
Key facts
- Balcia
- Starting price: €4.49per monthAs published by the insurer — it does not say who the price is for
Unique selling points
Get a personalized MTPL price online in seconds via Balcia's calculator, with immediate purchase.
Entry-level MTPL pricing starting from just €4.49 per month.
A dedicated road-assistance service document is published alongside the MTPL product, offering optional roadside support beyond the mandatory liability cover.
Balcia publishes a clear claims-history certificate procedure so drivers can carry their no-claims record when switching insurers.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Green Card
Conditional
A Green Card (international insurance certificate) can be issued at the policyholder's request under a standard MTPL contract, extending liability coverage to other Green Card system countries outside the EEA/Switzerland; sums payable follow the statutory limits of the country where the accident occurred.
Section: Kur man taikoma draudimo apsauga?
Draudėjo pageidavimu, išduodant žaliąją kortelę pagal sudarytą ar sudaromą įprastinę draudimo sutartį, draudimo apsauga gali būti suteikta ir kitose žaliosios kortelės sistemai priklausančiose užsienio valstybėse.
Roadside Assistance
—
Balcia advertises 24/7 roadside assistance with its MTPL policy; the service terms are set out in the separate 'Road assistance with MTPL' document.
Section: Why Balcia is your best choice?
24/7 roadside assistance
Driver Accident Coverage
Excluded
MTPL liability insurance does not cover injuries to the at-fault driver themselves, their vehicle, or property in that vehicle — only third parties are compensated.
Section: Kam netaikoma draudimo apsauga?
Pačiam žalą padariusiam asmeniui, jo naudojamai transporto priemonei ir joje esančiam turtui bei kitam tos transporto priemonės draudėjo ar savininko turtui.
Key conditions
Driver restrictions
No driver age or experience restrictions apply to this compulsory cover.
Claim notification deadline
The policyholder must immediately notify the police of a traffic accident when required by Road Traffic Regulations, and notify Balcia within 3 business days by phone (19001, or +370 52 119 119 from abroad) or via the online e-claims form.
Bonus-malus rules
Balcia publishes a procedure for issuing and using claims-history certificates, which is the mechanism used in Lithuania to reflect a driver's claims history in premium calculation.
Territorial scope
Coverage under both standard and border insurance contracts applies throughout the EEA and Switzerland; a Green Card issued at the policyholder's request extends cover to other Green Card system countries, subject to those countries' own statutory sums.
Documents
Policy specifics
Third Party Liability Coverage
Mandatory insurance covering damage to third parties caused by the vehicle operator in traffic accidents; covers up to EUR 6.45 million for personal injury and EUR 1.3 million for property damage per accident
SourceSection: All necessary risks are covered
Damages to others in traffic accidents
Traffic Accident Reporting Obligation
Policyholder must report traffic accidents to police immediately if required by Road Traffic Regulations and notify Balcia within 3 business days by phone (19001) or via the online claim form
SourcePage 2Section: Kokios mano pareigos?
Apie eismo įvykį nedelsiant pranešti policijai Kelių eismo taisyklėse nurodytais atvejais; Per 3 darbo dienas nuo eismo įvykio dienos apie tai pranešti mums trumpuoju telefono numeriu 19001
Geographic Coverage Area
MTPL insurance covers vehicle operators in Lithuania and throughout the European Economic Area and Switzerland; within the EEA and Switzerland the higher of the local or Lithuanian statutory sums applies, while in other Green Card system countries the local statutory sums apply.
SourcePage 2Section: Kur man taikoma draudimo apsauga?
Tiek įprastine, tiek ir pasienio privalomojo draudimo sutartimi suteikiama draudimo apsauga galioja visose Europos ekonominės erdvės valstybėse bei Šveicarijos Konfederacijoje; Draudėjo pageidavimu, išduodant žaliąją kortelę pagal sudarytą ar sudaromą įprastinę draudimo sutartį, draudimo apsauga gali būti suteikta ir kitose žaliosios kortelės sistemai priklausančiose užsienio valstybėse.
Sources
- balcia.lthttps://www.balcia.lt/en/civil-liability(opens in a new tab)
- balcia.lthttps://www.balcia.lt/en/mtpl(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/OCTA/20_05_2021_Balcia%20MTPL_IPID_2020_LT_v2.pdf#page=1(opens in a new tab)
- balcia.lthttps://www.balcia.lt/uploads/OCTA/20_05_2021_Balcia%20MTPL_IPID_2020_LT_v2.pdf#page=2(opens in a new tab)
- cab.lthttps://www.cab.lt/en/worth-knowing-2/(opens in a new tab)
Balcia Motor third-party liability