Balcia Insurance SE, Lithuanian Branch
Balcia
Balcia is a motor third-party liability insurance for the Lithuania market with online purchase and limited assistance availability.
Direct payment
Balcia's MTPL (TPVCAPD) product follows the general Lithuanian compulsory motor insurance framework: the compensation is paid to the injured third party, not to Balcia's own policyholder. Under this framework, the injured person may choose their own repair company, but that repair company must first submit the necessary documents, photos and a repair cost estimate to the insurer for approval before repairs begin, after which the claim is paid within 30 days of the claim being submitted. This structure indicates that once the estimate is approved, settlement can be arranged directly with the repair shop, while cash compensation directly to the injured party is used when repair is not chosen or for non-material (bodily/other) damages; Balcia's own published materials do not give a separate, product-specific direct-payment clause beyond this standard legal procedure.
Geographic scope
Lithuania, all European Economic Area countries and Switzerland; extendable to other Green Card countries
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.
Starting price
€4
Indicative — pricing assumptions not stated
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
Bodily Injury Liability
€5,210,000
The mandatory MTPL insurance sum for personal injury caused to third parties in a single traffic accident within Lithuania, regardless of the number of victims, is EUR 5,210,000.
Property Damage Liability
€1,050,000
The mandatory MTPL insurance sum for property damage caused to third parties in a single traffic accident within Lithuania is EUR 1,050,000.
Legal Defence Costs
No limit stated
No legal defence coverage is mentioned in the reviewed MTPL IPID documents.
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.
Roadside Assistance
—
Balcia publishes a separate 'Road assistance with MTPL' document on the MTPL product page, confirming a road-assistance service is offered alongside MTPL, but its inclusion status, cost, and coverage limits are not evidenced in the reviewed sources.
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.
Passenger Accident Coverage
No limit stated
No separate passenger accident sum is specified; injured passengers are compensated as third parties under the bodily injury liability limit.
Key conditions
Territorial scope
Coverage under both standard and border MTPL contracts applies in all EEA countries and Switzerland; at the policyholder's request, a Green Card can extend cover to other Green Card system countries.
Green card rules
A Green Card is issued at the policyholder's request when concluding or holding a standard MTPL contract; it is valid and provides cover in the countries listed on the card, with indemnity following those countries' statutory sums.
Driver restrictions
The reviewed sources do not specify any driver age, experience, or category restrictions for this MTPL product.
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; specific bonus-malus coefficients are not stated in the reviewed sources.
Where to buy
Policy specifics
Third Party Liability Coverage
Mandatory insurance covering damage to third parties caused by vehicle operator's negligence in traffic accidents; covers up to 5.21 million EUR for personal injury and 1.05 million EUR for property damage per incident
SourceTraffic Accident Reporting Obligation
Policyholder must report traffic accidents to police immediately if required by Road Traffic Regulations and notify the insurer within 3 business days in writing
SourceGeographic Coverage Area
MTPL insurance covers vehicle operators in Lithuania and throughout the European Economic Area (EU countries and Switzerland); coverage varies by country based on local insurance law requirements
SourceSource no longer reachable