ADB Compensa Vienna Insurance Group
Compensa
Compensa is a motor third-party liability insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
For injured third parties, Compensa settles the compensation directly with the claimant; for services covered under the optional roadside-assistance add-on, costs are settled by transfer to a bank account or through Compensa's partner repair/service providers.
Geographic scope
European Economic Area and Switzerland, extendable worldwide via Green Card
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 other Green Card system countries outside the EU (e.g. Belarus, Russia).
Unique selling points
- 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.
- An optional legal-assistance rider (6 EUR/year) gives policyholders phone or email access to legal consultations on accident claims and evidence gathering.
Coverage limits
Bodily Injury Liability
Not established from the insurer's documents
Maximum insurer liability per accident in Lithuania for personal injury/death to third parties, regardless of the number of victims, is 5,210,000 EUR; different statutory sums apply for accidents in other Green Card or EEA/Swiss states.
Property Damage Liability
Not established from the insurer's documents
Maximum insurer liability per accident in Lithuania for damage to third-party property, regardless of the number of victims, is 1,050,000 EUR.
Legal Assistance
Optional
Optional legal-assistance rider available when concluding an annual MTPL contract for a car or motorcycle; provides telephone or email legal consultation on matters such as assessing property damage, gathering evidence, and filing claims, for an additional premium of 6 EUR per year.
Green Card
Not established from the insurer's documents
Upon the policyholder's request, when issued alongside a standard MTPL contract, a Green Card extends insurance protection to Green Card system countries outside the EEA/Switzerland listed on the card.
Roadside Assistance
Optional
Optional add-on (extra premium) available for M1/N1 vehicles up to 3.5t with an annual MTPL contract, provided 24/7 in Lithuania. Offered in two variants: 'Extended roadside assistance' (towing, jump-start, fuel delivery, tyre change, emergency door opening/spare key delivery, driver/passenger transport up to 50km, vehicle storage up to 14 days, EV towing/charging up to 2x per term) and 'Roadside assistance plus' (all of the above plus a replacement car up to 7 days after an accident, a one-time 1-hour psychologist consultation after an injury accident, and a one-time small trailer rental).
Driver Personal Accident
Not established from the insurer's documents
MTPL does not compensate the at-fault person who caused the damage, their own vehicle, or property in it; the product covers civil liability towards third parties only, not the policyholder/driver's own injuries.
Passenger Accident (as Third Party)
Not established from the insurer's documents
Passengers in the insured (at-fault) vehicle are treated as third parties and their injuries are compensated under the bodily injury liability limit (shared aggregate of 5,210,000 EUR per accident), not as a separate standalone sum insured.
Key conditions
Territorial scope
Coverage under a standard/border MTPL contract applies throughout the EEA and Switzerland; a Green Card, issued on request, extends coverage to other Green Card system states outside the EU.
Green card rules
A Green Card is issued at the policyholder's request alongside a standard MTPL contract and grants coverage in the specific non-EEA/Swiss Green Card system countries it lists (e.g. Belarus, Russia).
Driver restrictions
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 did not hold a driving licence of the appropriate category, was intoxicated, fled the scene, or acted with intent or gross negligence.
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 reviewed sources do not detail a specific bonus-malus discount/surcharge table for this product; the annual MTPL premium is stated on the policy schedule at the time of purchase.
Where to buy
Policy specifics
Legal Assistance
Optional legal assistance service covering legal consultation costs for matters related to traffic accidents and civil liability claims
SourceClaim Settlement Procedure
Claims must be reported within 3 business days of accident; can be reported via phone (19111 or +370 5 249 1911), online at www.compensa.lt, or through electronic accident declaration form
SourceGeographic Coverage Territory
Standard MTPL coverage applies in all EU countries and Switzerland; Green Card certification available for coverage in additional countries beyond EU (including Belarus, Russia, etc.)
Source