Compensa
Compensa is a motor third-party liability insurance for the LT market with online purchase and limited assistance availability.
Direct payment
Compensa pays repair costs directly to authorised repair shops. Alternatively, if the claimant opts for a cash payout, the indemnity is transferred to their bank account. A replacement vehicle may also be arranged directly through Compensa.
Geographic scope
LT
Valid in all EU member states, the Swiss Confederation, and all Green Card system member states as indicated on the insurance certificate.
Starting from
€35
Unique selling points
- Optional wildlife collision protection add-on (EUR 20/year) compensates vehicle repair costs after collisions with wild animals on Lithuanian roads — a coverage typically excluded from standard MTPL.
- Legal assistance service available as an add-on to annual MTPL contracts for cars and motorcycles, providing phone or email consultations on traffic accident claims and rights — a new service not universally offered by competitors.
- Replacement vehicle provided for up to 7 days following a traffic accident as part of the roadside assistance add-on, giving customers practical mobility continuity after an accident.
- Additional loyalty discounts available to disciplined (claim-free) drivers and to policyholders who also hold a Compensa CASCO, accident, or home insurance policy.
- Online MTPL purchase available instantly at compensa.lt with an integrated price calculator, enabling fast quote and policy issuance without visiting a branch.
Coverage limits
Bodily Injury Liability
Covered
Covers compensation for personal injury (including non-pecuniary/moral damage) caused to third parties in a traffic accident, up to the statutory minimum of EUR 6,450,000 per event regardless of the number of injured parties.
Property Damage Liability
Covered
Covers compensation for damage to third-party property caused in a traffic accident, up to the statutory minimum of EUR 1,300,000 per event regardless of the number of injured parties.
Legal Assistance
Optional
Optional paid add-on available when concluding an annual MTPL contract for a passenger car or motorcycle. Covers legal consultation on traffic accident matters including damage assessment, evidence collection, and claims procedures. Consultations provided by phone or email.
Green Card / International Coverage
Covered
The Green Card is automatically included. The policy is valid in all countries listed on the insurance certificate, typically all EU member states and the Swiss Confederation, or additionally all Green Card system states. The territorial scope depends on the option selected in the contract.
Roadside Assistance
Optional
Optional add-on covering vehicle breakdown, fuel delivery, tyre change, lockout, and other roadside incidents. Includes provision of a replacement vehicle for up to 7 days following a traffic accident. Available in standard (EUR 12–25/year) and extended (EUR 26–35/year) variants. Valid in the Republic of Lithuania.
Driver Accident Insurance
Optional
Optional add-on covering the driver and passengers jointly with EUR 7,500 for death and EUR 7,500 for disability. The insured sum per person is calculated by dividing the total insured amount by the number of seats in the vehicle. Benefit is paid only if the accident occurred during a traffic accident involving the insured vehicle.
Passenger Accident Insurance
Optional
Covered jointly with the driver under the same optional accident add-on. Driver and passengers share a combined insured sum of EUR 7,500 for death and EUR 7,500 for disability, divided equally by the number of seats. Benefit is paid only if the accident occurred during a traffic accident involving the insured vehicle.
Key conditions
territorial_scope
The MTPL contract is valid in all countries listed on the insurance certificate. This is typically all EU member states and the Swiss Confederation, or all EU member states, the Swiss Confederation, and all Green Card system states. The Green Card is automatically included; its validity depends on the territorial option selected in the contract.
green_card_rules
The Green Card is automatically issued and is required when travelling to certain non-EU countries. For Green Card system countries outside the EU, the Green Card must be carried. The list of Green Card system member states is published by Compensa. Coverage limits and claims procedures may differ in non-EU territories.
driver_restrictions
The MTPL contract is concluded with the vehicle owner. The policyholder may also be a person using the vehicle under a leasing agreement. All lawful operators of the vehicle may drive it, but the minimum driving experience and age of potential drivers must be stated when concluding the contract. Insurance in another person's name is not permitted, except for leasing/hire-purchase arrangements.
claim_notification_deadline
The insured must notify the insurer of a traffic accident in which they are the at-fault party, as required by the Law of the Republic of Lithuania on Compulsory Insurance of Civil Liability of Vehicle Owners. If the insured party fails to fulfil its statutory obligations or fulfils them improperly, the insurer is entitled to reclaim up to 20% of the insurance benefit paid from the vehicle operator.
bonus_malus_rules
The MTPL premium depends on driving experience, vehicle type and power, insurance period, claims history, and other risk factors. Additional discounts are applied to loyal and disciplined (claim-free) drivers. An extra discount is also available if the policyholder or their spouse holds another valid voluntary insurance contract (accident, CASCO, or home/property insurance) with Compensa.
Where to buy
Documents
MTPL Documents Page – Compensa Lithuania (all policy documents listed here, valid from 2026-01-01)
other
Standard Conditions of the Compulsory Insurance Contract for Civil Liability of Vehicle Owners (valid from 2026-01-01)
terms_and_conditions
Compulsory Insurance of Civil Liability of Vehicle Owners – Information Document (valid from 2026-01-01)
ipid
Conditions of the Compulsory Insurance Contract for Roadside Assistance and Civil Liability of Vehicle Drivers (valid from 2026-01-01)
other
Legal Assistance Terms and Conditions (valid from 2026-01-01)
other
Rules for Determining Damage and Payment of Insurance Benefits in a Traffic Accident
other
Policy specifics
Legal Assistance
Optional service providing legal consultation on matters related to traffic accidents, damage assessment, evidence collection, and claims procedures to ensure protection of insured rights.
Wildlife Collision Protection
Optional coverage for costs related to traffic accidents involving collision with wild animals on Lithuanian roads, including vehicle repair and related incident expenses.
Vehicle Immobility Assistance
Optional coverage for costs when vehicle becomes unserviceable or poses danger to other road users after a traffic accident, including removal and safety-related expenses.
Mandatory Incident Notification
Insured must report traffic accident to insurer within 3 working days and provide notice of any damage claims within 5 working days. Failure to comply may result in claim reduction.
Risk Change Notification Obligation
Insured must immediately inform insurer of any changes affecting the insured risk, such as vehicle modifications, change of primary driver, or use pattern changes.
Territorial Coverage Scope
Mandatory insurance provides coverage within all EU countries and countries belonging to Green Card system (EEA countries, Switzerland, and other Green Card members). Territory varies by accident location and claim requirements.
Contract Duration Options
Annual contracts are standard (12 months), but insured may arrange shorter periods. Contract termination requires 15 days written notice. When new contract becomes effective, prior contract for same vehicle ceases.