BTA Motor third-party liability (Eca Paprastoji Draudimo Sutartis)
Underwritten by AAS "BTA Baltic Insurance Company", Lietuvos filialas · Lithuania
motor third-party liability insurance from BTA for the Lithuania market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2026-01-01Sources
Unique selling points
Roadside assistance (technical help, fuel delivery, vehicle transport) is bundled free of labour charge into the base MTPL policy with an unlimited number of events in Lithuania.
A 24/7 claims and assistance phone line lets policyholders report accidents and request roadside help at any time.
Policies can be issued online in a few minutes via bta.lt or the BTA self-service portal.
BTA is part of Vienna Insurance Group (VIG), a major Central and Eastern European insurance group.
Customers can combine MTPL with voluntary CASCO cover to receive a combined discount.
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
Not established from the insurer's documents
Not mentioned in the provided IPID documents for this product.
Green Card
Not established from the insurer's documents
At the policyholder's request, a Green Card can be issued alongside the standard contract, extending coverage to other countries in the Green Card system beyond the EEA and Switzerland.
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
€100
BTA's standard MTPL product page states technical roadside help, fuel delivery and vehicle transport to the nearest service (or requested location) are provided free of labour charge, with an unlimited number of events in Lithuania; vehicle storage is capped at EUR 100 in Lithuania.
Section: Dažniausiai užduodami klausimai
Įvykių skaičius Lietuvos Respublikos teritorijoje nėra ribojamas. ... Automobilio saugojimo paslaugai Lietuvoje nustatomas limitas iki 100 Eur.
Driver accident (injury to the at-fault driver)
Not established from the insurer's documents
The IPID explicitly excludes payment to the person who caused the damage themselves, for damage to the vehicle they used, and for property in it; personal accident cover for the driver is only available as a separate paid add-on outside the base MTPL contract.
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.
Passenger accident
Not established from the insurer's documents
No separate passenger benefit; passengers injured through the insured driver's fault are compensated as third parties within the EUR 6,450,000 personal injury sum.
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
The IPID does not set explicit driver-age or experience restrictions, but notes the insurer may recover paid compensation from the at-fault driver if they drove without a valid licence of the appropriate category, drove under the influence, fled the scene, caused damage intentionally, failed to notify the insurer in time, or breached essential contract terms.
Claim notification deadline
The insured must notify their insurance company within 3 working days of the date of the traffic accident, and must notify the police without delay in cases required by traffic regulations.
Bonus-malus rules
The provided policy documents do not specify bonus-malus (no-claims discount) rules for this product.
Territorial scope
Coverage under the standard MTPL contract is valid in all EEA states and Switzerland; for damage caused in another EEA state or Switzerland, the higher of the Lithuanian statutory sums or the local sums applies. A Green Card, issued at the policyholder's request, extends cover to other Green Card system countries.
Documents
Standard MTPL Contract - Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
Standard MTPL Contract (Luminor Leasing customers) - Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
Standard MTPL Contract - Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
Policy specifics
Third party civil liability
Not established from the insurer's documents
Compulsory coverage for civil liability arising from vehicle operation, including bodily injury and property damage to third parties
SourceThird-party source, not the insurer's documentPage 1Section: Kam taikoma draudimo apsauga?
Draudimo objektas - transporto priemonė naudojančių valdytojų civilinė atsakomybė dėl žalos padarymo tretiesiems asmenims.
Roadside assistance (included in base MTPL policy)
BTA's product page for the standard MTPL contract states technical roadside help, fuel delivery, and vehicle transport are provided at no labour charge with an unlimited number of events in Lithuania; storage is capped at EUR 100.
SourceSection: Dažniausiai užduodami klausimai
Remonto darbus atliekame nemokamai. Už minėtiems darbams panaudotas medžiagas sumoka klientas. Įvykių skaičius Lietuvos Respublikos teritorijoje nėra ribojamas.
Green Card (international coverage)
International motor insurance certificate extending coverage to countries in the green card system beyond EU/EEA
SourcePage 1Section: Kur man taikoma draudimo apsauga?
Žalioji kortelė galioja ir suteikia draudimo apsaugą žaliojoje korteleje nurodytose valstybėse.
Claim notification period
Insured must notify insurer within 3 working days of traffic accident; police notification required when prescribed by road traffic regulations
SourcePage 2Section: Kokios mano pareigos?
Per 3 darbo dienas nuo eismo įvykio dienos apie tai pranešti savo draudimo bendrovei.
Contract duration options
Standard contracts: 12 months; Border/temporary contracts: 15-90 days
SourcePage 2Section: Kada įsigalioja ir baigiasi draudimo apsauga?
Įprastinė draudimo sutartis sudaroma 12 mėnesių, o pasienio – nuo 15 iki 90 dienų laikotarpiams.
Statutory minimum compensation limits
Not established from the insurer's documents
Minimum cover per traffic accident: EUR 6,450,000 for personal injury (including non-pecuniary damage), and EUR 1,300,000 for property damage, regardless of the number of victims.
SourceThird-party source, not the insurer's documentPage 1Section: Kam taikoma draudimo apsauga?
6.450.000 eurų dėl žalos asmeniui; 1.300.000 eurų dėl žalos turtui.
Sources
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/tpvcapd-20240110.pdf#page=1(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KASKO/tpvcapd-20240110.pdf#page=2(opens in a new tab)
- bta.lthttps://www.bta.lt/privatiems/draudimas/transporto-draudimas/privalomasis-draudimas(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/bta/mtpl/2026-01-01/ipid.pdf#page=1(opens in a new tab)
BTA Motor third-party liability