AAS BTA Baltic Insurance Company Lithuanian Branch
BTA
BTA is a motor third-party liability insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
Lithuania does not operate a direct settlement scheme for MTPL; a claim is paid by the insurer of the at-fault driver to the injured third party, not by the injured party's own insurer.
Geographic scope
European Economic Area and Switzerland (standard cover); additional Green Card countries on request
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.
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, one of the largest and most financially stable insurance groups in Europe.
- Customers can combine MTPL with voluntary CASCO cover to receive a combined discount.
Coverage limits
Bodily injury liability
Not established from the insurer's documents
Maximum insurer liability per traffic accident in Lithuania for personal injury to third parties, regardless of the number of victims, is EUR 6,450,000.
Property damage liability
Not established from the insurer's documents
Maximum insurer liability per traffic accident in Lithuania for property damage to third parties, regardless of the number of victims, is EUR 1,300,000.
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.
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.
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.
Passenger accident
Not established from the insurer's documents
Not specified as a distinct benefit in the provided IPID documents for this product.
Key conditions
Territorial scope
Standard and border MTPL contracts provide cover in all EEA states and Switzerland; a Green Card, issued at the policyholder's request, extends cover to additional Green Card system countries listed on the card.
Green card rules
A Green Card is issued at the policyholder's request under an existing or newly concluded standard contract, and provides coverage in the countries listed on the card.
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.
Where to buy
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 documentRoadside assistance (optional add-on)
Optional service including fuel delivery, vehicle towing, taxi service, and vehicle storage (up to 100 EUR limit in Lithuania)
SourceRoadside 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.
SourceGreen Card (international coverage)
International motor insurance certificate extending coverage to countries in the green card system beyond EU/EEA
SourceClaim notification period
Insured must notify insurer within 3 working days of traffic accident; police notification required when prescribed by road traffic regulations
SourceContract duration options
Standard contracts: 12 months; Border/temporary contracts: 15-90 days
SourceStatutory minimum compensation limits
Minimum coverage: EUR 5,000,000 for bodily injury (including non-pecuniary damage per person) and EUR 1,000,000 for property damage
Source