How to check the term of an MTPL policy
You can see whether your MTPL policy is valid, as well as the effective and end date of the policy in your policies in print or in the e-mail sent by your insurer. If for some reason the printout or e-mail is not complete or you can't find it, then you can get the current information about your (or any other) car's MTPL policy at any time view LTAB Web page in MTPL Test Tool.
To view the information, you only need to know the car's registration number or chassis number. By entering one or the other, the system will immediately show the status of your MTPL policy:
- You will find out from which insurer it was purchased
- When it is purchased
- When it will expire
- You will also find out in which countries the policy is valid.
It's no secret that with this same method you can find out from which insurer the policy was bought for any car you see on the street. It is intended for cases where someone has caused a traffic accident but does not know, does not remember or does not want to say what is his insurer. Or maybe the culprit left the scene, but you managed to record the car number. Then, with the MTPL check tool, you can find out the issuer of the specific car's compulsory civil law policy in order to contact them with them and tell how it happened.
The picture below shows how the MTPL policy is checked by selecting the vehicle's civil law insurance policy data by vehicle license plate. In the example, we used a random one number.
By license plate, the LTAB tool shows us the specific vehicle:
- Insuring companies that have issued an MTPL policy
- Make, model and national registration number of the vehicle (useful if the policy was selected by chassis number)
- Vehicle registration country
- Date and time of MTPL policy issuance
- Policy start and end dates
- A list of countries where the specific policy is valid.
It is also possible to view the territory of the specific MTPL policy, i.e. the list of countries where MTPL the policy is valid.
Standard MTPL, or in its legal term "standard contract" is valid in Latvia, Andorra, Austria, In Belgium, Bosnia-Herzegovina, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Iceland, in Italy, Cyprus, Great Britain, Lithuania, Luxembourg, Malta, Montenegro, the Netherlands, Norway, Poland, Portugal, In Romania, Serbia, Slovakia, Slovenia, Finland, Spain, Switzerland, Hungary, Germany and Sweden.
If the end of your insurance term is no later than within the next 30 days, then you can use MTPL comparison to find out where it will be more profitable to buy the new policy. If the end of the term is later than 30 or 35 days (depending on the rules of the policy issuer), then you will not be able to calculate the price of a new policy yet.
Of course, everyone already knows this, but we will remind you anyway
MTPL insurance policies timely the extension and establishment into the new period is Thine personal responsibility. Insurers tend to remind you when your policy is about to expire, but it's not mandatory and it's not guaranteed that the reminder will come or you won't miss it. If you won't be restored your policy, and you will be fined for it, then you will not be able to blame anyone else.
It is also worth remembering that the traffic police does not necessarily have to stop you in order to draw up a report for driving without compulsory civil insurance. Penalties for this offense may also apply without stopping the vehicle, which means that you will not know when the protocol is already on its way to you.
In Latvia, the existence of the MTPL policy for vehicles is automatically checked only by average speed radars, which started working on August 14, 2023.
But even before that, stationary and mobile radars also checked the mandatory ones the validity of the insurance, but only for those vehicles that were detected by the radar as speeding. In those in some cases, the car owner receives a fine both for exceeding the permitted speed and for participating in road traffic without valid MTPL policies.
What is the penalty for driving without MTPL
Penalty for driving without the mandatory civil vehicle insurance will be 350 EUR if it is detected by the radar. In contrast, if the police stop a vehicle without a valid MTPL policy, the fine may be less. It's important remember that the same vehicle, as well as the driver, can be fined several times for driving without MTPL times a day, regardless of how many times it has already been punished that same day or in previous days for the same offense.
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