Lietuvos draudimas, AB
Lietuvos draudimas
Lietuvos draudimas is a motor third-party liability insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
At the injured third party's request, the insurer transfers the indemnity directly to the repair company chosen by the injured party, no later than one working day after the repair is completed and a payment document is submitted.
Geographic scope
European Union and European Economic Area member states and the Swiss Confederation
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.
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
Bodily injury liability
€6,450,000
Compensation for personal injury to third parties, including non-pecuniary damage, up to EUR 6,450,000 per accident in Lithuania, irrespective of the number of injured parties.
Property damage liability
€1,300,000
Compensation for damage to third-party property up to EUR 1,300,000 per accident in Lithuania, irrespective of the number of injured parties.
Legal defence cost cover
No limit stated
No provided source mentions a separate legal defence/legal expenses cover for this compulsory MTPL product.
Green Card - international coverage
Covered
Insurance protection is automatically valid in all EU/EEA states and Switzerland; a Green Card is additionally issued, free of charge for EU/EEA/Switzerland, so the policyholder can drive in other Green Card system countries.
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), towing after breakdown/accident (unlimited number of events, 25% discount on the provider's price list), and taxi from the accident scene up to EUR 50. Response times: 60 minutes in cities, 90 minutes on highways, 180 minutes on other roads.
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.
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.
Key conditions
Territorial scope
Coverage is valid throughout the EU, EEA states and Switzerland for a single premium for the whole policy period; for other Green Card system countries, an additional Green Card is issued.
Green card rules
A Green Card is issued on the policyholder's request; if it is valid only in EU/EEA states and Switzerland it is issued free of charge, otherwise standard terms may apply.
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
Not specified in the reviewed policy documents.
Documents
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)
SourceStandard contract duration
Regular compulsory insurance contract is concluded for 12 months (border insurance from 15 to 90 days)
SourceClaims 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
SourceVehicle 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
SourceCash settlement option
If policyholder chooses cash settlement, 50% of damages are calculated and paid within 5 business days; alternatively, repair can be arranged through partner network
SourcePolicy termination rights
Policyholder may terminate contract by providing written notice to insurer at least 15 days before intended termination date; premium for remaining period is refunded
Source