BTA
BTA is a motor third-party liability insurance for the LT market with online purchase and 24/7 assistance.
Direct payment
BTA pays repair partners directly for vehicle repairs; if the policyholder does not wish to use a repair partner, the indemnity is transferred to the bank account specified by the claimant.
Geographic scope
LT
Visose Europos ekonominės erdvės valstybėse ir Šveicarijos Konfederacijoje; su žaliosios kortelės išplėtimu – ir kitose žaliosios kortelės sistemos šalyse.
Unique selling points
- Roadside assistance (technical help, fuel delivery, car transport, taxi up to 60 km, car storage) is included at no extra cost in the base MTPL product with unlimited events in Lithuania.
- Coverage is automatically valid across all EEA countries and Switzerland, with a Green Card extension available on request for additional non-EEA countries.
- 24/7 claims and assistance helpline (+370 5 2600 600) for immediate roadside help and claims registration at any time of day or night.
- BTA belongs to Vienna Insurance Group, one of Europe's largest and most financially stable insurance groups, ensuring long-term reliability.
- Online policy issuance in minutes via bta.lt, with optional bundling of MTPL and CASCO for a combined discount.
Coverage limits
Bodily injury liability
Covered
Maximum insurer liability per traffic accident for bodily injury to third parties, regardless of the number of victims, within the territory of the Republic of Lithuania.
Property damage liability
Covered
Maximum insurer liability per traffic accident for property damage to third parties within the territory of the Republic of Lithuania.
Legal defence
Not offered
Legal defence cover is not mentioned in the BTA MTPL standard contract or IPID documents as an included or optional benefit under this product.
Green Card international coverage
Covered
Both standard and border MTPL contracts provide coverage in all EEA member states and Switzerland. Upon policyholder request, a Green Card can be issued extending coverage to other Green Card system member states.
Roadside assistance
Covered
Included in the base MTPL product: technical assistance on the road (free labour, customer pays for materials), fuel delivery (free delivery, customer pays for fuel), car transportation to nearest service centre or preferred location, taxi service for driver and passengers up to 60 km (only if car transportation service is also used), car storage up to 14 days (limit 100 EUR in Lithuania; only if car transportation service is also used), and accident declaration assistance. Number of events in Lithuania is not limited.
Driver accident insurance
Optional
Driver accident insurance is available as an optional paid add-on to the MTPL product, covering the driver against accident risks. It is not included in the base MTPL contract.
Passenger accident insurance
Optional
Passenger accident insurance is available as an optional paid add-on to the MTPL product, covering passengers against accident risks including death and disability. It is not included in the base MTPL contract.
Key conditions
territorial_scope
Coverage is valid in all EEA member states and Switzerland. Upon policyholder request, a Green Card can be issued extending coverage to other Green Card system member states. Damages caused in other EEA states or Switzerland are paid according to the limits specified in the Lithuanian MTPL Law if these are higher than local limits.
green_card_rules
The standard MTPL contract automatically covers all EEA countries and Switzerland. A Green Card extending coverage to additional non-EEA Green Card system countries can be issued at the policyholder's request based on the existing standard contract. The Green Card is valid and provides coverage in the countries listed on it.
driver_restrictions
The insurer has the right to recover paid indemnity amounts from the at-fault driver in cases such as: driving under the influence, fleeing the scene of the accident, intentional damage, driving without a valid licence for the appropriate vehicle category, failure to timely notify the insurer of the accident, or material breach of contract conditions.
claim_notification_deadline
The insured must report the traffic accident to the insurance company within 3 working days from the date of the accident. Police must be notified immediately in cases required by Road Traffic Rules. Any received claim or court action for compensation must be reported to the insurer within 5 working days.
bonus_malus_rules
The MTPL premium in Lithuania is regulated by law and takes into account the driver's and co-drivers' age, driving experience, vehicle engine power, registration location, and claims history (bonus-malus system). A claims-free year may result in a premium discount upon renewal; a claim may result in a premium surcharge.
Where to buy
Policy specifics
Roadside assistance services
Included services such as fuel delivery, car transportation, taxi service, car storage, and accident declaration assistance
Green card international coverage
Insurance coverage valid in European Economic Area and Switzerland, with optional Green Card extension to other countries
Claim reporting deadline
Insured must report traffic accident to insurance company within 3 business days and to police when required by road traffic rules
Standard contract duration
Regular contracts are concluded for 12 months; border/short-term contracts available for 15-90 days
Contract cancellation by policyholder
Insured person may terminate contract with written notice to insurance company at least 15 days before intended termination date; refund of premium less administrative costs