Compensa Motor third-party liability (Tpvca Privalomasis Draudimas)

Optional 'Roadside assistance plus' tier provides a replacement car for up to 7 days after an accident, beyond what many standard MTPL policies include.

A one-time, one-hour psychologist consultation is offered to the insured driver after an accident causing injury to a third party.

Dedicated electric vehicle support: towing to the nearest charging point or on-site battery charging, available up to twice per contract term.

Roadside assistance operates 24/7, seven days a week, across Lithuania.

Driver restrictions

Not established from the insurer's documents

MTPL insures the vehicle rather than a named driver; however, the insurer may seek recourse from the person who caused the accident if that person drove without a licence of the appropriate category, was intoxicated, fled the scene, caused the damage intentionally, failed to report the accident in time, or breached essential contract terms.

Section: Ar yra kokių nors draudimo apsaugos apribojimų?

Yra aplinkybių, kuomet draudimo bendrovė turi teisę iš žalą padariusio asmens susigrąžinti žalos atlyginimui išmokėtas sumas ar jų dalį (pvz. kai šis vairavo apsvaigęs, pasišalino iš eismo įvykio vietos, žalą padarė tyčia, vairavo neturėdamas tinkamos kategorijos teisės vairuoti, laiku nevykdė pareigos pranešti apie eismo įvykį, buvo pažeistos esminės sutarties sąlygos)

Claim notification deadline

An accident must be reported to the police where required by traffic rules, and reported to Compensa within 3 business days via compensa.lt or by phone at 19111; any claim or lawsuit received from a third party must be reported to the insurer within 5 business days.

Bonus-malus rules

The premium reflects a discipline (no-claims) category based on the client's previous insurance and accident history; this discount carries over when the client changes vehicle. An additional discount applies if the client or their spouse holds another voluntary Compensa policy (accident, Kasko, or home insurance), and loyal, disciplined drivers receive further discounts.

Section: Dažniausiai užduodami klausimai > Kaip nustatoma drausmingumo kategorija?

Ji nustatoma atsižvelgiant į ankstesnę draudimo ir eismo įvykių istoriją. Galutinė TPVCA draudimo kaina priklauso ir nuo kitų individualių rizikos veiksnių.

Territorial scope

Coverage under a standard or border insurance contract applies in all European Economic Area states and the Swiss Confederation; a Green Card extends protection to the other Green Card system countries listed on the card.