If P&C Insurance AS (Lithuanian branch)
If
If is a motor third-party liability insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
The insurer pays the indemnity directly to the injured third party (or their estate) for bodily injury and property damage caused by the insured vehicle; the policyholder does not need to pay the victim first and seek reimbursement.
Geographic scope
Lithuania
Coverage is valid in all European Union and European Economic Area member states and in Switzerland; can be extended to other Green Card system countries by requesting a Green Card.
Unique selling points
- Free post-accident vehicle towing up to 100 km is included even without buying the paid roadside assistance add-on.
- Customers can get a 10% discount when buying MTPL online through If's calculator.
- A wide menu of optional add-ons (roadside assistance, driver accident, replacement car, theft cover up to 5,000 EUR, animal-collision cover up to 5,000 EUR) can be attached to the mandatory policy at purchase or later.
- The policy can be issued online in a matter of minutes without visiting an office.
- Claims can be photographed and submitted via the mobile app for a fast damage assessment and payout.
Coverage limits
Legal defence costs
Not established from the reviewed documents
Not addressed as a specific benefit for this product in the reviewed If MTPL documents.
Green Card extension
Optional
At the policyholder's request, a Green Card can be issued together with the standard MTPL contract, extending coverage to other Green Card system countries outside the EU/EEA/Switzerland; the Green Card is valid and provides cover in the countries listed on it.
Roadside assistance
Optional
Free post-accident vehicle towing (up to 100 km, for vehicles up to 3.5t, in Lithuania) is included when the policyholder is at fault; a broader 24/7 roadside assistance package (breakdowns, etc.) can be purchased as a paid add-on either at policy inception or later.
Driver accident insurance
Optional
Driver accident cover can be purchased as an optional add-on ('Vairuotojo draudimas') alongside the mandatory MTPL policy, either when buying the policy or afterwards.
Passenger accident insurance
Not established from the reviewed documents
Not found as a distinct add-on for this If MTPL product in the reviewed sources.
Key conditions
Territorial scope
Both regular and border-insurance MTPL contracts provide cover in all European Economic Area states and Switzerland; at the policyholder's request a Green Card extends validity to other Green Card system countries.
Green card rules
A Green Card can be issued together with a new or existing regular MTPL contract at the policyholder's request; it is valid and provides insurance cover only in the countries specified on the card itself.
Driver restrictions
MTPL insures the civil liability of whoever operates the insured vehicle; however, indemnity is not paid to a third party who voluntarily rode in the at-fault vehicle knowing it was stolen, and the insurer can seek recourse from a driver who was intoxicated, fled the scene, acted intentionally, lacked the appropriate driving licence category, or otherwise materially breached the contract.
Claim notification deadline
The policyholder must immediately notify the police where required by the traffic rules, must notify the insurer of the accident within 3 business days, and must notify the insurer within 5 business days of receiving any claim or lawsuit for damages.
Bonus-malus rules
Not detailed in the reviewed If documents; premium pricing generally reflects the driver's accident and insurance history per market practice, but no specific bonus-malus class table is provided in these sources.
Policy specifics
Coverage validity in EU/EEA and Green Card countries
MTPL insurance covers liability in European Union, European Economic Area countries and Switzerland; extends to other Green Card system countries with purchased Green Card
SourceMandatory insurance requirement
Compulsory MTPL insurance is mandatory for all vehicle owners and operators whose vehicles participate in traffic in Lithuania
SourceStandard contract term
Standard MTPL contracts are issued for 12-month periods; foreign citizens entering Lithuania with own vehicle may obtain temporary coverage for 15-90 days
SourceOptional additional coverages
IF allows customers to purchase optional coverages in addition to mandatory MTPL: roadside assistance (24/7), driver accident insurance, replacement vehicle, theft protection and others
Source