Gjensidige Motor third-party liability (Mtpl Standard)

Flexible policy terms from 1 to 12 months, including a monthly subscription option.

Standard roadside assistance (Pagalba kelyje) is included free of charge with a 12-month MTPL policy.

24/7 online purchasing and claims reporting via the self-service portal and e-declaration system.

Optional driver and passenger accident cover can be added to protect against injury, disability or death from a road accident.

Driver restrictions

The policy is concluded in the name of the vehicle owner; if the vehicle is leased, the lessee may conclude the contract in their own name.

Claim notification deadline

The policyholder must register the accident with the insurer within 3 business days and report any claim or lawsuit within 5 business days; the police must be notified immediately where the traffic rules require it. If the at-fault driver does not notify the insurer in time, the insurer may recover the indemnity paid (or part of it) from them.

Section: Draudiko sumokėtų išmokų grąžinimas

Draudikas turi teisę iš atsakingo už žalos padarymą asmens susigrąžinti žalos atlyginimui išmokėtas sumas ar jų dalį, kai žalą padaręs asmuo: !Vairavo apsvaigęs arba vengė blaivumo ar apsvaigimo patikrinimo ! Pasišalino iš eismo įvykio vietos !Vairavo techniškai netvarkingą transporto priemonę, kai eismo įvykis įvyko dėl šios priežasties ! Žalą padarė tyčia !Vairavo neturėdamas tinkamos kategorijos teisės vairuoti ! Laiku nevykdė pareigos pateikti informaciją draudikui

Bonus-malus rules

The premium depends on the vehicle's age, engine power, driver experience and other risk factors; only accidents where the policyholder was found at fault affect future pricing, so disciplined drivers get the cheapest premiums.

Territorial scope

The standard contract is valid in all EU/EEA countries and Switzerland, as well as Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, the United Kingdom, Liechtenstein, Monaco, San Marino, Serbia and the Vatican; an optional Green Card extends cover to the other Green Card system countries listed (and not struck out) on the card.