Akcine draudimo bendrove Gjensidige
Gjensidige
Gjensidige is a motor third-party liability insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
No. Lithuania's TPVCA (MTPL) system operates on a fault-based/third-party settlement basis, not direct payment. Gjensidige's TPVCA covers damages the policyholder causes to third parties; claims for damage the policyholder suffers must be pursued against the at-fault driver's insurer, not paid directly by the policyholder's own insurer. As one source explains, under this model the injured party contacts the at-fault driver's insurance company for compensation.
Geographic scope
European Union, European Economic Area (EEA) member states and Switzerland
The standard contract is valid in EU/EEA countries and Switzerland; an optional Green Card extends cover to additional Green Card system countries outside the EEA.
Unique selling points
- Online MTPL policies can be activated in as little as 30 minutes after purchase.
- 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.
Coverage limits
Bodily Injury Liability
€6,450,000
If you are at fault in a road accident, we compensate injured parties up to 6,450,000 EUR for damage to health/life, including non-pecuniary damage.
Property Damage Liability
€1,300,000
If you are at fault in a road accident, we compensate injured parties up to 1,300,000 EUR for property damage.
Green Card (International Insurance Certificate)
Optional
Optional extension allowing coverage in countries outside the EEA/Switzerland system, issued upon policyholder request.
Roadside Assistance (Pagalba kelyje)
Conditional
Standard roadside assistance is provided free of charge when a 12-month MTPL policy is purchased; a wider assistance package can be purchased as a paid add-on.
Driver Accident Insurance
Optional
No limit stated
Optional supplementary accident cover for the driver (death/disability from a road accident) can be added to the mandatory MTPL contract; specific sum insured not stated in reviewed sources.
Passenger Accident Insurance
Optional
No limit stated
Optional accident cover for passengers (vehicle with up to 7 seats, no commercial passenger transport) can be added alongside the driver cover; specific sum insured not stated in reviewed sources.
Key conditions
Territorial scope
The standard contract provides automatic cover in EU/EEA countries and Switzerland; a Green Card is required for cover in additional Green Card system countries.
Green card rules
The Green Card extends the standard MTPL cover to countries outside the EEA/Switzerland that belong to the Green Card system, at the policyholder's request.
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 notify the insurer of an accident within 3 business days; failure to notify in time may affect claim processing, and in certain circumstances the police must also be notified per traffic rules.
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.
Policy specifics
Green Card (International Insurance Certificate)
Optional extension allowing coverage in countries outside the EEA/Switzerland system
SourceSource no longer reachableDriver and Passenger Insurance (optional)
Optional supplementary coverage for driver and passenger accident protection
SourceSource no longer reachableClaims Notification Deadline
Policyholder must notify insurer within 3 business days of accident occurrence
SourceSource no longer reachablePolicy Term Flexibility
Policyholder can choose coverage period from 1 to 12 months; can also select subscription with monthly installments
SourceSource no longer reachableGeographic Coverage Scope
Standard contract valid in EU, EEA countries and Switzerland; optional Green Card extends to additional countries
SourceSource no longer reachableSources
- https://www.gjensidge.lt/privalomasis-draudimasSource no longer reachable
- https://www.gjensidige.lt/privalomasis-draudimas