ERGO
ERGO is a motor third-party liability insurance for the LT market with online purchase and 24/7 assistance.
Direct payment
Claims are paid directly to the injured third party by the liable insurer. The insured (at-fault driver) does not receive payment; the insurer pays the victim directly and may recover amounts from the insured in cases of gross breach (e.g. drunk driving, no valid licence, fleeing the scene).
Geographic scope
LT
EEA and Switzerland under standard/border contracts; Green Card extends coverage to other Green Card system member states (excluding Russia and Belarus)
Unique selling points
- Free Green Card issued on request, extending coverage to all Green Card system countries (except Russia and Belarus) at no additional cost.
- Free standard roadside assistance (24/7 in Lithuania) included for private individuals with an annual MTPL policy for a passenger car.
- Lowest price guarantee when purchasing online at online.ergo.lt – the online price is the lowest available from ERGO.
- Optional accident insurance for driver (10,000 EUR) and each passenger (3,000 EUR) can be added directly to the MTPL contract.
- 24/7 claims and assistance hotline (tel. 1887), digital accident declaration via draudimoivykiai.lt, and full self-service policy management at mano.ergo.lt.
Coverage limits
Bodily injury liability
Covered
Covers civil liability for bodily injury (including non-pecuniary damage) caused to third parties in a road traffic accident. Statutory minimum per accident in Lithuania. The IPID states 5,000,000 EUR; the ERGO product page states up to 6,450,000 EUR (indexed amount per Government Resolution No. 1059 of 2018-10-24 effective 2019-01-01).
Property damage liability
Covered
Covers civil liability for property damage caused to third parties in a road traffic accident. Statutory minimum per accident in Lithuania. The IPID states 1,000,000 EUR; the ERGO product page states up to 1,300,000 EUR (indexed amount per Government Resolution No. 1059 of 2018-10-24 effective 2019-01-01).
Legal defence
Covered
Legal defence costs are not listed as a covered benefit under the ERGO MTPL product. MTPL covers third-party bodily injury and property damage only.
Green Card (international coverage)
Covered
Free Green Card issued on request for standard annual MTPL contracts, extending coverage to all Green Card system member states. Coverage does not apply in Russia and Belarus. Standard and border contracts automatically cover all EEA states and Switzerland without a Green Card.
Roadside assistance (Pagalba kelyje)
Optional
Roadside assistance (Pagalba kelyje) is available as a paid optional add-on to the MTPL contract. For private individuals purchasing an annual MTPL policy for a passenger car, a standard roadside assistance package for Lithuania is included free of charge. The service is available 24/7 and includes towing, fuel delivery, tyre change, vehicle storage, and other services listed in the Pagalba kelyje rules. Standard (free) package valid in Lithuania only; enhanced package available as a paid option.
Driver accident insurance
Optional
Optional personal accident coverage for the driver: 10,000 EUR insured sum covering death and disability risks. Available as a paid add-on to the MTPL contract. Valid in Lithuania only. Not available for high-risk activities (taxi, driving schools).
Passenger accident insurance
Optional
Optional personal accident coverage for each passenger: 3,000 EUR insured sum per person covering death and disability risks. Available as a paid add-on to the MTPL contract. Valid in Lithuania only.
Key conditions
territorial_scope
Both standard (įprastinė) and border (pasienio) MTPL contracts provide coverage in all EEA member states and Switzerland. On request, a Green Card is issued for standard annual contracts, extending coverage to other Green Card system member states (except Russia and Belarus, and states whose codes are crossed out in field 8 of the Green Card). Damage caused in other Green Card states is compensated according to those states' statutory limits; if the accident occurs in another EEA state or Switzerland, Lithuanian statutory limits apply if higher.
green_card_rules
A Green Card is issued free of charge at the policyholder's request based on a concluded or pending standard annual MTPL contract. The Green Card is valid and provides coverage in the countries listed on the card. It does not cover Russia and Belarus. Border contracts (15–90 days) cover EEA and Switzerland but do not generate a Green Card for third countries.
driver_restrictions
Any person using the insured vehicle with the owner's consent is covered as an insured party. The insurer has the right of recourse against the at-fault driver in cases such as: driving under the influence of alcohol or drugs, driving without a valid driving licence of the appropriate category, fleeing the accident scene, causing damage intentionally, failure to timely notify the insurer of the accident, or using the vehicle for taxi/ride-hailing services not declared in the policy.
claim_notification_deadline
The insured must notify their insurer within 3 business days of the traffic accident. Within 5 business days, the insured must notify the insurer of any received claim or lawsuit for damages. Notification to police is required in cases mandated by Road Traffic Rules. Electronic accident declaration can be filed at draudimoivykiai.lt or via the self-service portal mano.ergo.lt.
bonus_malus_rules
MTPL premiums in Lithuania are calculated individually, taking into account the driver's claims history and driving experience (bonus-malus system). Disciplined drivers with no claims receive lower premiums; drivers with claims history pay higher premiums. The insurer calculates the premium based on vehicle age, engine power, driver age, and driving experience. The policyholder is obliged to notify the insurer of any changes in driving experience or risk.
Policy specifics
Green Card international coverage
Standard MTPL contract includes free Green Card for international coverage in EU/EEA countries and Switzerland
Standard road assistance (free)
Free standard roadside assistance included with annual MTPL insurance contract
Optional accident insurance for driver and passengers
Optional coverage protecting driver (10,000 EUR) and passengers (3,000 EUR per person) against death and disability
Animal collision damage coverage
Optional coverage for vehicle repair costs after collision with wild animals on Lithuanian roads
Standard contract duration
Standard MTPL contracts are concluded for 12 months; shorter periods (1, 3, 6 months) available for motorcycles and trailers
No deductible (franchise) allowed
MTPL insurer cannot impose deductible or franchise on compulsory insurance claims
Claim notification requirements
Insured must notify insurer within 3 business days of traffic accident; report damage in writing within required timeframe
Policyholder information and honesty duty
Policyholder must provide correct information and documents required for contract conclusion; must notify of changes in driving experience or risk changes