MTPL policy

MTPL will protect you from the costs of accidental damage to another vehicle, a third party, or their property in a road accident in all countries of the European Economic Area.

We offer a 2-year warranty on all repairs and take 100% responsibility.
Biggest selection of car repair shops: BALTA’s partners include more than 200 car repair contractors. See partner car repair services.
Submit your claims quickly and easily via the app, on the website, or by calling 67533375.

Additional coverage for more peace of mind

Compensation with your insurer

This additional service enables a much simpler process for claim submission. Once the paperwork is completed at the place of the event, the claim can be submitted to BALTA instead of the insurer of the party at fault, as was previously the case. BALTA will pay the compensation or repair the vehicle and settle all formalities with the insurer that issued the MTPL policy to the party at fault. The insurance coverage includes accidents occurring within the territory of Latvia.

BALTA will ensure the quality of your vehicle’s repairs and the appropriate amount of repair costs.
Accident insurance

Accident insurance will provide you and your family with the security you need to avoid financial losses in the event of an accident. If you buy accident insurance together with an MTPL policy and you use a road vehicle, BALTA will cover your medical expenses and offer compensation in the event of disability or death resulting from a road traffic accident not covered under the civil liability law.

24-hour roadside assistance

We will assist you if your car has a problem on the road, be it a flat tyre, using incorrect fuel, a minor incident, or any other similar event. Just call us and our support team will come to your rescue!
Theft insurance

If you buy this additional cover for your MTPL insurance policy, you will also get compensation if your car is stolen or hijacked. The sum insured for theft is the actual value of the vehicle at the time of the accident, up to a maximum of 7000 euros. The deductible for theft is 10% of the insured amount, but not less than 70 euros.

MTPL insurance proceeds limits

Damage to movable property: 1.05 million euros
Damage to persons: 5.21 million euros

If you cause an accident without a valid MTPL policy, you will have to pay for all the damage yourself, so keep track of the expiry date of your MTPL policy using the app or the Latvian Motor Insurer’s Bureau (LTAB) website.

Submitting a claim

We will make sure that the victim receives the best service and that the handling and award of the claim is quick and simple.

If only the vehicle is damaged in the incident, quickly and easily submit your claim on website, in the app, or by calling 67533375.

If a person is injured or property or the environment is damaged in the incident, submit your claim by filling out the appropriate form and sending it to [email protected], or by calling 67533375.

Follow the progress of your submitted claim by logging in to balta.lv or checking the My BALTA section of the app.

Frequently asked questions about MTPL insurance

When does an MTPL policy take effect?

The MTPL insurance policy takes effect once purchased, i.e., it is paid for, or at 00:00 on the date specified as the date, on which the policy takes effect.

How do I get insurance proceeds after a road accident?

If your vehicle has been in a road traffic accident caused by a third party and your MTPL insurance policy has the ‘Compensation with your insurer’ additional risk, you can report the accident to BALTA by calling 67533375.

More detailed information about claim submission and receiving compensation is provided in the Compulsory Civil Liability Insurance of Owners of Motor Vehicles Law (MTPL Law).

Is there a risk of not getting compensation if I fill in the European Accident Statement form incompletely or incorrectly?

If your vehicle has been involved in an accident, you will always receive compensation from the MTPL insurer of the party at fault. However, an incorrectly filled-in European Accident Statement may delay the payment of the insurance proceeds. If you have any questions, we recommend that you contact BALTA’s specialists or call the police. Remember that the European Accident Statement procedure applies to accidents involving two vehicles with no casualties and no damage to the property of third parties.

We have simplified this process by allowing you to claim the accident with BALTA if you have the ‘Compensation with your insurer’ additional risk included in your MTPL insurance policy.

Can I call BALTA for advice on completing the European Accident Statement at the place of the accident?

Yes, you can call the BALTA claims centre at 67533375 to get assistance filling in the European Accident Statement.

Do I need to keep the original MTPL policy with me?

Within the territory of the Republic of Latvia, having an MTPL policy in paper format is not compulsory, as an electronic record of the existence of the MTPL policy is stored in the database of the Latvian Motor Insurers’ Bureau, and the existence of the MTPL policy is checked electronically by the Traffic Police, Road Traffic Safety Directorate, and other agencies. When travelling abroad, you must take a printout of your MTPL policy with you, as the traffic police in other countries do not have access to the Latvian MTPL policy register.

A printout of the MTPL policy that we issued and legally certified (sealed and signed by a company representative) is considered an original copy of the BALTA MTPL policy.

In what countries is the BALTA MTPL policy valid?

The MTPL policy is valid in Latvia and in the other countries of the European Economic Area: Lithuania, Estonia, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Liechtenstein, Iceland, Norway, as well as Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, the United Kingdom of Great Britain and Northern Ireland, and Andorra.

If you want to go to Albania, Azerbaijan, Morocco, Moldova, Macedonia, Tunisia, Turkey, or Ukraine, you must buy a Green Card.

When buying an MTPL policy, do I have to separately specify the area covered by the policy?

No, the standard MTPL contract is valid in Latvia, the countries of the European Economic Area, and Switzerland

What is the compensation limit of an MTPL policy?

If an insured event occurs, the third-party liability insurer of the owner of the vehicle at fault covers the damage to the injured parties up to the following limits of liability:

for damage to movable property: up to 1,050,000 euros, regardless of the number of third parties;
for damage to persons: up to 5,210,000 euros, regardless of the number of third parties.

Does BALTA cover expenses related to medical treatment, injuries, etc. of persons injured in a road traffic accident if the additional ‘Compensation with your insurer’ risk is purchased?

No, compensation for personal injuries sustained in a road accident must still be claimed via the insurer of the party at fault.

Can I claim compensation from BALTA for damage to the movable property in the vehicle caused in a traffic accident?

Yes, with BALTA, you can also claim expenses related to the victim’s movable property if they were in the victim’s vehicle at the time of the accident

Will it take longer for the insurance proceeds to be paid if the claim is filed with BALTA instead of the insurer of the party who caused the accident?

It’s exactly the opposite! It will be much easier, faster and simpler. Also, about 80% of registered MTPL claim submissions are done via phone or e-mail.

If both the vehicle is damaged and its occupants are injured in the road accident, and claims need to be submitted to different insurers, won’t this increase the time it takes for the insurance proceeds to be paid?

The BALTA MTPL ‘Compensation with your insurer’ claims procedure provides for only one situation in which the victim of a single road accident has to submit a claim to two insurers: if the victim has losses due to personal injury caused to another person. To get compensation for personal damage, the victim has to contact the insurer of the party at fault, but the compensation for vehicle and property damage is handled and paid by BALTA.

What must I do if a road accident happens?

You can submit your claim 24 hours a day using website or our app, or call 67533375.

Will I get compensation if I am at fault for the accident?

Only the injured party can receive compensation in an MTPL claim. If a driver has caused the accident, they must use their MOD (motor own damage) insurance policy.