ERGO Motor third-party liability (Mtpl Standard)
Underwritten by ERGO Insurance SE Lietuvos filialas · Lithuania
motor third-party liability insurance from ERGO for the Lithuania market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-03-14Sources
Unique selling points
Free Green Card issuance for travel outside the EU/EEA/Switzerland zone when taking out an annual MTPL policy.
Basic roadside assistance included free of charge with an annual MTPL policy, with an enhanced Lithuania+Europe option available for purchase.
Wide range of payment channels including bank transfer, the mano.ergo.lt self-service portal, ERGO branches, Maxima stores, Perlas terminals, Lietuvos paštas, Narvesen and Lietuvos spauda kiosks.
Convenient self-service portal (mano.ergo.lt) for managing and paying for the policy online.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Defence
No limit stated
Legal defence costs are not provided as a separate benefit under this MTPL policy.
Green Card International Coverage
Covered
For travel to countries outside the standard EU/EEA/Switzerland territory that belong to the Green Card system, a Green Card is issued upon the policyholder's request; if it is valid only in EU/EEA states, Switzerland and other states listed under the Compulsory Insurance Law, it must be issued free of charge.
Section: III SKYRIUS > Draudimo sutarties sudarymas
Jeigu žaliojoje kortelėje nurodyta, kad ji galioja tik Europos Sąjungos ir Europos ekonominės erdvės valstybėse, Šveicarijos Konfederacijoje ir kitose Privalomojo draudimo įstatymo 10 straipsnio 2 dalyje nurodytose valstybėse, tokia žalioji kortelė draudėjui privalo būti išduodama neatlygintinai.
Optional Roadside Assistance
Conditional
Additional technical support services (breakdown assistance, fuel delivery, wheel replacement, emergency unlocking, vehicle transport) in Lithuania and/or Europe; basic roadside assistance is provided free with an annual MTPL policy, while enhanced coverage can be purchased separately.
Section: Privalomasis automobilio draudimas vairuotojo atsakomybei apdrausti
Suteiksime skubią pagalbą kelyje Užtikrinsime, kad gautumėte visapusišką techninę pagalbą kelyje 24/7
Driver Personal Accident
Excluded
MTPL does not indemnify the person who caused the damage, the vehicle they used, or property in it; own-driver personal injury is excluded from this liability product.
Section: Kam netaikoma draudimo apsauga?
Pačiam žalą padariusiam asmeniui, jo naudojamai transporto priemonei ir joje esančiam turtui bei kitam tos transporto priemonės draudėjo ar savininko turtui.
Passenger Personal Accident
Excluded
MTPL provides no separate personal-accident benefit for passengers; injured passengers are indemnified as third parties under bodily injury liability, except passengers who voluntarily rode in a vehicle they knew was stolen, who are excluded.
Section: Ar yra kokių nors draudimo apsaugos apribojimų?
nukentėjusiems tretiesiems asmenims, kurie savo noru buvo žalą padariusioje transporto priemonėje ir žinojo, jog ta transporto priemonė vogta.
Key conditions
Driver restrictions
The policy does not impose age or driving-experience restrictions on drivers; it covers the civil liability of any person lawfully using the insured vehicle, and using or allowing use of a vehicle without a valid MTPL policy is prohibited.
SourceClause 5Page 1Section: II SKYRIUS > DRAUDIMO SUTARTIMI SUTEIKIAMA APSAUGA
Draudimo sutartimi apdraudžiama draudimo sutartyje ir (arba) transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo liudijime (polise) (toliau – draudimo liudijimas) nurodytą transporto priemonę naudojančių transporto priemonių valdytojų (toliau – apdraustųjų) civilinė atsakomybė už žalą, išskyrus Privalomojo draudimo įstatyme numatytas išimtis.
Claim notification deadline
The insured must notify the insurer within 3 working days of a traffic accident (not required if an electronic accident declaration was completed via www.draudimoivykiai.lt), and must notify the insurer within 5 working days of receiving any claim or lawsuit for damages.
Bonus-malus rules
The premium depends on the driver's claims record and experience; ERGO offers lower prices to claim-free drivers and prices novice drivers differently.
SourceSection: Dažniausiai užduodami klausimai apie automobilio draudimą > Pigiausias automobilio draudimas: nuo ko priklauso draudimo kaina vairuotojui?
Automobilio draudimo kaina priklauso nuo automobilio amžiaus, galingumo ir kitų faktorių. Taip pat kaina skaičiuojama skirtingai pradedantiesiems, neturintiems stažo ir patyrusiems vairuotojams. Pigiausias automobilio draudimas būna drausmingiems vairuotojams.
Territorial scope
Valid throughout the EU and EEA states plus Switzerland, Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, the United Kingdom, Liechtenstein, Monaco, San Marino, Serbia and Vatican; a Green Card extends cover to further listed countries.
Exclusions
War and Nuclear Exclusions
Not established from the insurer's documents
Claims arising from war actions, terrorist attacks, nuclear energy effects, or states of emergency are not covered by the MTPL insurance, regardless of fault.
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
už žalą, kilusią dėl karo veiksmų, dėl teroristinių išpuolių, esant branduolinės energijos poveikiui ar nepaprastajai padėčiai;
Documents
MTPL Insurance Product Information Document (ERGO) (opens in a new tab)
Product information sheet · PDF
MTPL Insurance Product Information Document (draudimas.lt copy) (opens in a new tab)
Product information sheet · PDF
Standard MTPL Contract Terms (Bank of Lithuania) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Green Card International Coverage
Compulsory MTPL insurance is valid throughout the Republic of Lithuania and abroad in the EEA states and Switzerland. For travel to countries outside the EEA, an additional Green Card is provided free of charge.
SourceSection: Dažniausiai užduodami klausimai apie automobilio draudimą > Ar šie automobilio draudimai galioja užsienyje?
Įprastinė privalomojo draudimo sutartis suteikia draudimo apsaugą ne tik Lietuvoje, bet ir kitose Europos ekonominės erdvės valstybėse bei Šveicarijoje
Damage to Third Party Property
Covers up to EUR 1,300,000 for damage to third parties' property (vehicles, buildings, etc.) caused by the insured vehicle in a traffic accident where the policyholder is at fault.
SourceBodily Injury to Third Parties
Covers up to EUR 6,450,000 for bodily injury and non-pecuniary damage to third parties caused by the insured vehicle in a traffic accident where the policyholder is at fault.
SourceOptional Roadside Assistance
Additional coverage offering technical support services including breakdown assistance, fuel delivery, wheel replacement, emergency door unlocking, and vehicle transportation within Lithuania and/or Europe depending on coverage tier selected.
SourceSection: Privalomasis automobilio draudimas vairuotojo atsakomybei apdrausti
Suteiksime skubią pagalbą kelyje Užtikrinsime, kad gautumėte visapusišką techninę pagalbą kelyje 24/7
Standard Contract Duration
A regular compulsory motor third party liability insurance contract is taken out for one year.
SourceSection: Dažniausiai užduodami klausimai apie automobilio draudimą > Kaip sužinoti automobilio draudimo galiojimo datą?
Įprastinė privalomojo transporto priemonių draudimo sutartis sudaroma metams.
Claims Notification Deadline
Not established from the insurer's documents
In case of a traffic accident, the insured must notify ERGO within 3 working days. Digital claims can be reported via www.draudimoivykiai.lt or by contacting the insurer directly.
SourceThird-party source, not the insurer's documentPage 1Section: Ar yra kokių nors draudimo apsaugos apribojimų?
draudikas turi teisę iš žalą padariusio asmens susigrąžinti žalos atlyginimui išmokėtas sumas ar jų dalį (pvz., kai šis vairavo apsvaigęs, pasišalino iš eismo įvykio vietos, žalos padarė tyčia, vairavo neturėdamas tinkamos kategorijos teisės vairuoti, laiku nevykdė pareigos pranešti apie eismo įvykį draudikui, buvo pažeistos esminės sutarties sąlygos).
Vehicle Owner Responsibility for Contract
The owner of the vehicle is responsible for concluding the compulsory MTPL insurance contract. If the vehicle is used under a leasing or hire purchase agreement, the person using it bears this responsibility.
SourceDriver Liability vs. Owner Liability
The policy covers liability of the person actually driving the vehicle at the time of the accident (legally responsible party), not just the vehicle owner. The insurer will compensate injured third parties based on fault determination in the accident.
SourceClause 5Page 1Section: II SKYRIUS > DRAUDIMO SUTARTIMI SUTEIKIAMA APSAUGA
Draudimo sutartimi apdraudžiama draudimo sutartyje ir (arba) transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo liudijime (polise) (toliau – draudimo liudijimas) nurodytą transporto priemonę naudojančių transporto priemonių valdytojų (toliau – apdraustųjų) civilinė atsakomybė už žalą, išskyrus Privalomojo draudimo įstatyme numatytas išimtis.
Sources
- ergo.lthttps://ergo.lt/files/web-public/2024-12/Ergo_DPID_LT_TP%20CA_2024.08.14.pdf#page=1(opens in a new tab)
- ergo.lthttps://ergo.lt/privatiems/automobilio-draudimas(opens in a new tab)
- draudimas.lthttps://www.draudimas.lt/draudimo-taisykles/ergo/mtpl/2026-02-01/ipid.pdf#page=1(opens in a new tab)
- ld.lthttps://www.ld.lt/sites/default/files/2024-07/Standartines-salygos.pdf#page=1(opens in a new tab)
- ld.lthttps://www.ld.lt/sites/default/files/2024-07/Standartines-salygos.pdf#page=4(opens in a new tab)
ERGO Motor third-party liability