Gjensidige
Gjensidige 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 injured third parties (not to the policyholder). The insurer pays compensation to third parties harmed in traffic accidents caused by the insured vehicle's operator. The insurer may recover paid amounts from the at-fault person in cases specified by the Compulsory Insurance Law.
Geographic scope
Baltic States
EU/EEA member states, Switzerland, Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, United Kingdom, Liechtenstein, Monaco, San Marino, Serbia, Vatican; additional Green Card system countries upon request
Unique selling points
- Online purchase available 24/7 with coverage activated in as little as 30 minutes.
- No deductible (franchise) is permitted under any circumstance, guaranteeing full claim payment to injured third parties.
- Green Card valid across EU/EEA and Switzerland is issued free of charge upon request, with optional extension to all Green Card system countries.
- Optional driver and passenger accident add-on provides 24/7 injury, disability and death cover during traffic accidents for vehicles with up to 7 seats.
- Optional roadside assistance add-on covers towing, jump-starting, tyre changes, fuel delivery and unlocking for MTPL-insured vehicles.
Coverage limits
Bodily injury liability
Covered
Coverage for personal injury, health damage, disability and death of third parties caused by the insured vehicle in a traffic accident. Maximum insured sum per accident regardless of the number of injured third parties.
Property damage liability
Covered
Coverage for damage to third-party property, road infrastructure, real estate and items in other vehicles caused by the insured vehicle in a traffic accident. Maximum insured sum per accident regardless of the number of injured third parties.
Legal defence
Not offered
Legal defence costs are not covered under this compulsory MTPL product. The policy covers civil liability to third parties only.
Green Card
Covered
The insurance certificate (policy) issued under the standard compulsory insurance contract is valid in all EU/EEA member states, Switzerland, Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, the United Kingdom, Liechtenstein, Monaco, San Marino, Serbia and Vatican. A Green Card covering only EU/EEA states and Switzerland must be issued free of charge upon request. For travel to other Green Card system countries, a Green Card is issued under the conditions set in the insurance contract.
Roadside assistance
Optional
Roadside assistance is available as an optional add-on service for vehicles insured under the compulsory MTPL policy. It covers additional costs due to technical breakdowns or damage during a trip, including towing to the nearest service centre, jump-starting, tyre changes, fuel delivery and unlocking.
Driver accident insurance
Optional
Accident insurance for the driver is available as an optional add-on (driver and passenger accident insurance). It covers bodily injury, disability or death of the driver caused during a traffic accident. Available for vehicles with up to 7 seats and not used for commercial passenger transport.
Passenger accident insurance
Optional
Accident insurance for passengers is available as an optional add-on (driver and passenger accident insurance). It covers bodily injury, disability or death of passengers caused during a traffic accident. Protection does not apply to motorcycle passengers. Available for vehicles with up to 7 seats and not used for commercial passenger transport.
Key conditions
territorial_scope
The standard compulsory insurance certificate is valid in all EU/EEA member states, Switzerland, Andorra, Bosnia and Herzegovina, Gibraltar, Montenegro, the United Kingdom, Liechtenstein, Monaco, San Marino, Serbia and Vatican. Damage caused in other Green Card system countries is compensated according to the minimum insured sums of those countries. Damage caused in another EEA state or Switzerland is paid according to Lithuanian statutory sums if these are higher. Citizenship, place of residence of vehicle operators and territory of vehicle use within EU/EEA/Switzerland may not be used as risk increase factors.
green_card_rules
If the policyholder wishes coverage in Green Card system countries under a standard compulsory insurance contract, the insurer issues a Green Card under the conditions set in the insurance contract. A Green Card valid only in EU/EEA states, Switzerland and other states listed in Article 10(2) of the Compulsory Insurance Law must be issued free of charge. The Green Card takes effect at 00:00 on the date indicated on it.
driver_restrictions
All operators (drivers) using the vehicle specified in the insurance contract or certificate are covered. There are no named-driver restrictions under Lithuanian compulsory MTPL. However, the insurer has the right of recovery against the at-fault driver in cases specified by law, such as driving under the influence, driving without a valid driving licence of the required category, fleeing the accident scene, or intentional damage.
claim_notification_deadline
The insured must register the traffic accident event within 3 working days via the insurer's website www.gjensidige.lt (or via the self-service portal) or by calling 1626. Additionally, within 5 working days the insured must notify the insurer of any received claim or court action for damages. At the accident scene, the accident declaration form must be completed, or where required by road traffic rules, the police must be notified immediately.
bonus_malus_rules
The insurance premium is calculated by the insurer taking into account the coverage provided and being proportional to the insurer's obligations under the contract. The insurer must individually assess circumstances indicated by the policyholder that are relevant to premium calculation. Driving discipline history (claims history) is a relevant factor in premium calculation. Upon request, the insurer must issue free of charge a certificate of claims history for at least the last 5 years of contractual relations within 15 days of receiving the written request.
Policy specifics
Third-party property liability
Coverage for damage to third-party property, road infrastructure, and other vehicles caused by the insured's vehicle
Third-party personal liability
Coverage for personal injury and health-related damages to third parties caused by traffic accidents involving the insured vehicle
No deductible permitted
The insurer has no right to set a deductible (franchise) in the insurance contract that would reduce the claim payment in the event of an insured event.
Claim notification period
Insured must notify the insurance company of a traffic accident within a specific timeframe
Green Card international coverage
Certificate confirming compulsory insurance coverage for travel abroad in Green Card system countries
Policy duration options
Insured can choose compulsory insurance contract duration from 1 to 12 months