ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life)

Territorial scope

A policy issued under a regular contract is valid in all EU and EEA states plus Switzerland, Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, the United Kingdom, Liechtenstein, Monaco, San Marino, Serbia and Vatican; a border-insurance contract is valid in all EU and EEA states plus Switzerland.

Green card rules

At the policyholder's request, a Green Card can be additionally issued for travel to Green Card system countries outside the standard territory; if it is valid only in EU/EEA states, Switzerland and other explicitly listed states, it must be issued free of charge.

Driver restrictions

The reviewed sources do not state age or experience restrictions on drivers; the policy 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.

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 reviewed sources do not describe a bonus-malus (no-claims discount) system for this product.

Green Card International Coverage

Compulsory MTPL insurance is valid throughout the Republic of Lithuania and abroad in the European Union and Switzerland. For travel to countries outside the EEA, an additional Green Card is provided free of charge.

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.

Bodily 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.

Optional 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.

Standard Contract Duration

A regular compulsory motor third party liability insurance contract is taken out for one year. Minimum policy term is one month.

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.

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.

Driver 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.

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.