Lietuvos draudimas Motor third-party liability (Tpvcapd)
Underwritten by AB "Lietuvos draudimas" · Lithuania
motor third-party liability insurance from Lietuvos draudimas for the Lithuania market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-03-14Sources
Unique selling points
Free 24/7 roadside assistance is bundled into the annual MTPL policy for private M1/N1 vehicle owners, at no extra cost.
Taxi from the accident scene is reimbursed up to EUR 50 when the vehicle is towed by the assistance provider.
Post-breakdown vehicle towing/transportation is offered at a 25% discount off the assistance provider's standard price list.
A single hotline (1828) handles both roadside-assistance calls and claims reporting, available 24/7.
The annual premium can be split into 2-12 instalments and managed via e-invoicing, the mobile app or the savasld.lt self-service portal.
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 cost cover
No limit stated
Legal defence costs are not offered as a separate benefit under this compulsory MTPL product.
Green Card - international coverage
Covered
Insurance protection is automatically valid in all EU/EEA states and Switzerland. For travel to other Green Card system countries, LD issues a Green Card on request; it is valid in the countries listed on it.
Section: KUR MAN TAIKOMA DRAUDIMO APSAUGA?
Suteikiama draudimo apsauga galioja visose Europos ekonominės erdvės valstybėse ir Šveicarijos Konfederacijoje. Norint vykti į kitas užsienio šalis, papildomai Jums išduosime žaliąją kortelę.
Free roadside assistance in Lithuania
Conditional
Free 24/7 roadside assistance is included for natural-person policyholders with an annual MTPL contract on M1/N1-class vehicles up to 3,500 kg. Covers phone consultation (unlimited), battery jump-start, wheel change, fuel delivery (10 l, fuel paid by driver), emergency door unlocking, help when stuck in snow/mud (each service max. twice per calendar month, no more than once per 7 days), free towing after a traffic accident, after mixing fuel or after a driver health emergency (once per event, unlimited number of events), towing after a breakdown or in other cases at a 25% discount on the provider's price list, and a taxi from the accident scene up to EUR 50. Response times: 60 minutes in cities, 90 minutes on highways, 180 minutes on other roads.
Section: 3. Techninės pagalbos paslaugos ir jų teikimo sąlygos
Techninės pagalbos paslauga teikiama, jei transporto priemonė apdrausta transporto priemonių valdytojų civilinės atsakomybės privalomuoju draudimu ir tenkinamos visos šios sąlygos: transporto priemonės bendroji masė neviršija 3 500 kg ir ji registruota kaip M1 arba N1 klasės automobilis; draudėjas yra fizinis asmuo; transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo metinė sutartis galioja.
At-fault driver's own accident/injury cover
Excluded
Base MTPL coverage does not apply to the person responsible for causing the damage, the vehicle they were using, or property in that vehicle or otherwise belonging to that policyholder/owner.
Section: KAM NETAIKOMA DRAUDIMO APSAUGA?
Pačiam žalą padariusiam asmeniui, jo naudojamai transporto priemonei ir joje esančiam turtui bei kitam tos transporto priemonės draudėjo arba savininko turtui.
Passenger injury cover (third-party)
Covered
Passengers travelling in the at-fault driver's car or in the other involved vehicle who are injured are covered as third parties; there is no separate sub-limit, compensation is paid out of the shared EUR 6,450,000 bodily-injury liability sum.
Section: KAM TAIKOMA DRAUDIMO APSAUGA?
kliento ir kitame automobilyje važiavę keleiviai,
Key conditions
Driver restrictions
No age or licence-category restriction is stated as excluding coverage under compulsory MTPL, but the premium calculation takes into account whether drivers are under 25 years old and/or have less than 2 years of driving experience.
Claim notification deadline
The policyholder/driver must notify their insurer in writing within 3 business days of a traffic accident, and within 5 business days of receiving a claim or a court action related to the accident.
Bonus-malus rules
Details of any bonus-malus (no-claims discount) scheme for this product are not published in the available documentation.
Territorial scope
Coverage is valid throughout the EU/EEA and Switzerland under a single premium; for travel to other Green Card system countries an additional Green Card is issued on request.
Documents
Standard Terms and Conditions of the Compulsory MTPL Insurance Contract (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Roadside Assistance Terms Attached to Compulsory MTPL Insurance (Ed. No. 4) (opens in a new tab)
Other document · PDF
Policy specifics
Bodily injury coverage limit
Mandatory coverage for personal injury including non-pecuniary damage up to EUR 6,450,000 per accident
SourceProperty damage coverage limit
Mandatory coverage for property damage up to EUR 1,300,000 per accident
SourceTechnical assistance on the road
Complimentary 24/7 roadside assistance included with annual compulsory insurance contract for vehicles up to 3,500 kg (M1 and N1 class)
SourceClause 3.2Page 1Section: 3. Techninės pagalbos paslaugos ir jų teikimo sąlygos
Techninės pagalbos paslauga teikiama, jei transporto priemonė apdrausta transporto priemonių valdytojų civilinės atsakomybės privalomuoju draudimu ir tenkinamos visos šios sąlygos: transporto priemonės bendroji masė neviršija 3 500 kg ir ji registruota kaip M1 arba N1 klasės automobilis; draudėjas yra fizinis asmuo; transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo metinė sutartis galioja.
Standard contract duration
Regular compulsory insurance contract is concluded for 12 months (border insurance from 15 to 90 days)
SourcePage 2Section: KADA ĮSIGALIOJA IR BAIGIASI DRAUDIMO APSAUGA?
Įprastinė privalomojo draudimo sutartis sudaroma 12-ai mėnesių (pasienio – nuo 15 iki 90 dienų) ir įsigalioja draudimo liudijime nurodytą dieną.
Claims notification timeframe
Policyholder must notify insurer in writing within 3 business days of the traffic accident; insurer must be informed of any received claim or court action within 5 business days
SourcePage 2Section: KOKIOS MANO PAREIGOS?
Atsitikus įvykiui, per 3 darbo dienas apie jį raštu pranešti... Per 5 darbo dienas raštu pranešti savo draudikui apie pateiktą pretenziją atlyginti žalą arba teisme pareikštą ieškinį dėl žalos atlyginimo, pateikti visus būtinus paaiškinimus ir turimą informaciją.
Vehicle eligibility for coverage
Compulsory insurance applies to all motor vehicles normally based in Lithuania and must be maintained as long as the vehicle is registered
SourceClause 4 straipsnisSection: Lietuvos Respublikos transporto priemonių valdytojų civilinės atsakomybės privalomojo draudimo įstatymas
Transporto priemonė, kurios įprastinė buvimo vieta yra Lietuvos Respublikos teritorijoje, privalo būti apdrausta transporto priemonių valdytojų civilinės atsakomybės privalomuoju draudimu bet kurioje draudimo įmonėje ar jos filiale, nurodytuose šio įstatymo 2 straipsnio 21 dalyje, tol, kol ši transporto priemonė yra įregistruota arba, jeigu transporto priemonė neregistruota arba yra neregistruotina transporto priemonė, – kol ji naudojama kaip transporto priemonė.
Policy termination rights
Policyholder may terminate the contract by notifying the insurer at least 15 days before the intended termination date; the premium for the remaining period is refunded minus administrative costs of concluding and administering the contract
SourcePage 2Section: KAIP GALIU NUTRAUKTI SUTARTĮ?
Jūs galite nutraukti draudimo sutartį įspėję „Lietuvos draudimą“ likus ne mažiau kaip 15-ai dienų iki planuojamos sutarties nutraukimo dienos. Šiuo atveju grąžinsime sumokėtą įmoką už likusį draudimo sutarties galiojimo laikotarpį, atskaitę sutarties sudarymo ir vykdymo administracines išlaidas.
Sources
- cab.lthttps://www.cab.lt/teises-aktas/lietuvos-respublikos-transporto-priemoniu-valdytoju-civilines-atsakomybes-privalomojo-draudimo-istatymas/(opens in a new tab)
- ld.lthttps://www.ld.lt/automobilio-draudimas(opens in a new tab)
- ld.lthttps://www.ld.lt/sites/default/files/2024-04/TPVCAPD_TP_salygos_2024_04.pdf#page=1(opens in a new tab)
- ld.lthttps://www.ld.lt/sites/default/files/2025-02/TPVCAP_draudimo_informacinis_dokumentas_2023_12.pdf#page=1(opens in a new tab)
- ld.lthttps://www.ld.lt/sites/default/files/2025-02/TPVCAP_draudimo_informacinis_dokumentas_2023_12.pdf#page=2(opens in a new tab)
Lietuvos draudimas Motor third-party liability