Lietuvos draudimas
Lietuvos draudimas 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 by the insurer. No deductible (franchise) is permitted under Lithuanian MTPL law. If a cash payout is chosen, 50% of assessed damages are paid within 5 business days.
Geographic scope
LT
Visose Europos ekonominės erdvės valstybėse ir Šveicarijos Konfederacijoje; žalioji kortelė praplečia apsaugą į kitas žaliosios kortelės sistemos valstybes
Unique selling points
- Free 24/7 roadside assistance in Lithuania included at no extra cost with every annual MTPL contract for personal-use light vehicles (M1/N1 class, up to 3,500 kg).
- 50% of assessed claims paid within 5 business days when the cash payout option is selected, enabling faster financial recovery after an accident.
- Claims can be registered and tracked directly via the Lietuvos draudimas mobile app, enabling fully digital incident management.
- Optional roadside assistance plus package (26.40 EUR/year) provides a replacement vehicle for up to 5 days during repair and covers all of Europe, not just Lithuania.
- Optional driver and passenger accident insurance add-on available for 13.20 EUR/year, also covering pets travelling in the vehicle – a benefit not commonly offered by competitors.
Coverage limits
Bodily Injury Liability
Covered
Third-party bodily injury liability per traffic incident regardless of number of injured persons, including non-pecuniary (moral) damage, medical costs, lost income, funeral costs, loss of support, and occupational change costs.
Property Damage Liability
Covered
Third-party property damage liability per traffic incident regardless of number of injured parties, covering vehicle damage, environmental pollution, road signs, buildings, vegetation, and other property damage caused during the accident.
Legal Defence
Not offered
Legal defence is not included as standard in the MTPL product. It is not mentioned in the IPID or standard policy conditions as a covered benefit.
Green Card (International Insurance Certificate)
Covered
Standard MTPL coverage applies in all EEA states and Switzerland. For travel to other Green Card system countries, LD issues a Green Card upon request free of charge; the Green Card extends coverage to the countries listed on the card.
Free Roadside Assistance (Basic, Lithuania)
Covered
Free 24/7 basic roadside assistance in Lithuania for individual (physical person) clients with annual contracts, for M1 and N1 class light vehicles used for personal purposes with total mass not exceeding 3,500 kg. Services: towing after accident, taxi from incident scene, extraction from snow/mud, emergency door unlocking, battery jump-start, tyre change, fuel delivery, telephone consultation. Response time: 60 min in city, 90 min on motorway, 120 min on other roads.
Driver Accident Insurance
Excluded
The compulsory MTPL product does not cover the at-fault driver. The driver of the at-fault vehicle is explicitly excluded from indemnity under MTPL. Optional separate driver and passenger accident insurance is available as an add-on at 13.20 EUR/year.
Passenger Accident (as third-party victims)
Optional
Passengers in the at-fault vehicle are covered as injured third parties under MTPL bodily injury liability. They receive compensation from the insurer of the at-fault vehicle for injuries sustained. This is part of standard bodily injury liability; separate optional passenger/driver accident insurance is also available.
Key conditions
territorial_scope
Standard MTPL coverage is valid in all European Economic Area (EEA) member states and Switzerland. For travel to other Green Card system countries outside the EEA, LD issues a Green Card upon request. Damage caused in other Green Card system countries is compensated according to the insured amounts set in that country's legislation. If damage occurs in another EEA state or Switzerland and the Lithuanian statutory limits are higher, the Lithuanian limits apply.
green_card_rules
The Green Card is an international insurance certificate issued by LD upon the policyholder's request for travel outside the EEA. It is valid and provides coverage in the countries listed on the card. Standard EEA coverage does not require a Green Card. The Green Card system currently covers countries including Ukraine, Moldova, Turkey, Serbia, Bosnia-Herzegovina, Montenegro, and others listed under the international Green Card system.
driver_restrictions
No named driver restrictions apply to MTPL; all persons operating the insured vehicle with the owner's consent are covered. Policyholders may optionally indicate whether drivers under 25 years of age or with less than 2 years of driving experience will drive the vehicle, which may affect the premium. Recovery rights exist against the at-fault driver in cases of intoxication, driving without valid licence, fleeing the scene, intentional damage, or breach of material contract conditions.
claim_notification_deadline
In prescribed cases under Traffic Rules, the accident must be reported to police immediately. The policyholder must notify their own insurer in writing within 3 business days if at fault, or notify the at-fault party's insurer within 3 business days if injured. Full explanations and documentation must be submitted within 5 business days. Failure to comply may result in the insurer claiming recovery of up to 20% of benefits paid. Electronic accident declaration is available at draudimoivykiai.lt.
bonus_malus_rules
Lithuania uses a Bonus-Malus (BM) class system for MTPL pricing. New drivers start at class 3. Each claim-free year advances the driver one class upward (towards class 14), reducing the premium by up to approximately 50%. Each at-fault claim reduces the class. Each insurer applies its own actuarial methodology; individual BM classes and premium adjustments are set by each insurer based on driving history.
Where to buy
Documents
TPVCA IPID (2025-07-14 redakcija) – Lietuvos draudimas
ipid
TPVCAPD informacinis dokumentas (2023-12-23 redakcija) – Lietuvos draudimas
ipid
Standartinės TPVCA draudimo sutarties sąlygos – CAB (Lietuvos bankas)
terms_and_conditions
TPVCA IPID (2026-02-01 redakcija) – Lietuvos draudimas
ipid
Policy specifics
Free Roadside Assistance (Basic)
Free basic technical roadside assistance provided 24/7 for light vehicles (M1, N1 classes, max 3,500 kg) registered for personal use; available for annual contracts with physical persons
Roadside Assistance Plus (Optional)
Optional extended roadside assistance service including replacement vehicle for up to 5 days during repair; covers Europe as well as Lithuania
Driver and Passenger Accident Insurance (Optional)
Optional accident insurance for driver and passengers covering death and disability from road accidents; also covers pets traveling with the vehicle
Collision with Wildlife Coverage (Optional)
Optional coverage for vehicle repair costs resulting from collision with wild animals on marked wildlife risk roads; maximum payout up to 7,000 EUR per incident
Territorial Scope
Standard coverage applies in all European Economic Area (EEA) states and Switzerland; Green Card extends coverage to additional countries outside EEA
Standard Contract Duration
Standard compulsory insurance contracts are concluded for 12 months; border contracts available for 15-90 days
Coverage Limit - Personal Injury
Per single traffic incident regardless of number of injured third parties: up to 5,210,000 EUR for personal injury including non-pecuniary damage (medical expenses, burial costs, lost income, occupational change, loss of support)
Coverage Limit - Property Damage
Per single traffic incident regardless of number of injured parties: up to 1,300,000 EUR for property damage to third parties (vehicle damage, environmental pollution, road signs, buildings, vegetation damage during accident)
Insured Event Definition
Traffic accident (eismo įvykis) where insured vehicle operator incurs civil liability for damage to third parties during operation/use of vehicle; must occur during contract validity period
Eligible Claimants
Only third parties eligible for indemnity: passengers in at-fault vehicle, pedestrians, cyclists, other persons whose property damaged; driver of at-fault vehicle explicitly excluded from indemnity
Premium Payment Methods
Payment options: single lump sum or installments (2-12 times) via self-service portal (savasld.lt), e-banking with automatic payment setup, bank transfer, payment card at branch/postal service/Maxima
Claims Notification Requirements
Insured must report incident to police in prescribed cases per Traffic Rules; must report to own insurer if at fault or to at-fault party insurer if injured within 3 business days in writing; present full details and documentation within 5 business days
Policy Expiration Reminder
Insurer reminds policyholder minimum 15 days before contract expiration via SMS (to registered mobile number) or email regarding contract end and obligation to renew insurance before coverage lapses