Pending review

If Motor third-party liability (Mtpl Standard)

Underwritten by If P&C Insurance AS · Lithuania

motor third-party liability insurance from If for the Lithuania market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2019-01Sources

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Key facts

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€6.5M

Legal defence costs

Not established from the reviewed documents

Not addressed as a specific benefit for this product in the reviewed If MTPL documents.

Optional

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.

Clause 6 straipsnio 6 dalisPage 10

Section: 6 straipsnis. Draudimo sutarties sudarymas

Asmeniui, kuris kreipiasi dėl draudimo sutarties sudarymo, pageidaujant, kad jam pagal sudarytą ar sudaromą įprastinę draudimo sutartį būtų suteikiama draudimo apsauga žaliosios kortelės sistemai priklausančiose užsienio valstybėse, draudikas įprastinėje draudimo sutartyje nustatytomis sąlygomis draudėjui papildomai išduoda žaliąją kortelę. […] Jeigu žaliojoje kortelėje nurodoma, kad ji galioja tik Europos Sąjungos valstybėse narėse ir Šveicarijos Konfederacijoje, tokia žalioji kortelė draudėjui išduodama neatlygintinai. […] Žalioji kortelė galioja ir suteikia draudimo apsaugą joje nurodytose ir neišbrauktose užsienio valstybėse pagal tų valstybių teisės aktus.

Optional

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.

Section: Draudimas internetu

Jei esate įvykio kaltininkas ir automobiliu saugiai tęsti kelionės nebegalima, transportuosime automobilį iki 100 km atstumu. Paslauga teikiama iki 3,5 t. bendrosios masės automobiliams Lietuvoje.

Optional

Driver accident insurance

€3K

Pays up to 3,000 EUR for the driver's bodily injury, disability or death in a road accident; the accident must be registered with the police.

Section: Privalomasis draudimas > Papildomos draudimo apsaugos

Vairuotojo draudimas ... Mokama vairuotojui patyrus kūno sužalojimų, neįgalumo bei mirties atvejais. Maksimali draudimo išmoka – 3 000 Eur.

Passenger accident insurance

No limit stated

Passenger accident cover is not offered as an add-on to If MTPL; the If online purchase flow's add-on list includes only driver accident cover, not a separate passenger accident option.

Section: Privalomasis draudimas > Papildomos draudimo apsaugos

Transportavimas po įvykio Nemokamai Pagalba kelyje Vairuotojo draudimas Draudimas nuo eismo įvykio, kai kyla ir civilinė atsakomybė Draudimas nuo susidūrimo su gyvūnais kelyje Pakaitinis automobilis Automobilio draudimas nuo vagystės

Key conditions

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.

Territorial scope

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.

Documents

MTPL Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Standard MTPL Contract Terms (opens in a new tab)

Terms & conditions · PDF

Compulsory MTPL Insurance Law (opens in a new tab)

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

Source

Section: Privalomasis automobilio draudimas > Ar privalomasis automobilio draudimas galioja užsienyje?

TPVCA draudimas galioja Europos ekonominės erdvės valstybėse ir žaliosios kortelės sistemos šalyse.

Mandatory insurance requirement

Compulsory MTPL insurance is mandatory for all vehicle owners and operators whose vehicles participate in traffic in Lithuania

Source

Section: Privalomasis automobilio draudimas > Kam yra privalomas TPVCA draudimas?

Privalomąjį transporto priemonės valdytojo civilinės atsakomybės (TPVCA) draudimą turi įsigyti visi motorinių transporto priemonių savininkai ar valdytojai , kurių transporto priemonės dalyvauja eisme Lietuvoje.

Standard 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

Source

Section: Privalomasis automobilio draudimas > Pasienio draudimas (TPVCA) užsienio piliečiams

Su savo automobiliu į Lietuvą atvykę užsienio piliečiai gali sudaryti transporto privalomojo draudimo sutartis nuo 15 d. iki 90 d. laikotarpiui.

Optional 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

Section: Privalomasis automobilio draudimas > Kodėl verta rinktis „If“ privalomąjį automobilio draudimą > Galite pasirinkti papildomų apsaugų

Galite įsigyti kitų papildomų apsaugų, tokių kaip pagalba kelyje, vairuotojo draudimas, pakaitinis automobilis, draudimas nuo vagystės ir kitos. Jas galite užsisakyti perkant draudimą arba vėliau.

Sources

If Motor third-party liability

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