Compare MTPL prices

Standard MTPL policies are the same for all insurers and they all perform the function required by law, which is also the most important, so most drivers choose the cheapest policy without much worry about what is included in it. The MTPL calculator calculates the MTPL price of a car for five different terms - 1, 3, 6, 9 and 12 months - in a few seconds. To obtain the policy price, all you have to do is enter the vehicle registration number (eg AA1234) and the registration certificate number (usually starting with the letters "AF", eg AF1234567).

On this page we update weekly information on MTPL prices from all Latvian insurers, so you can quickly choose the cheapest policy for your car. Insurers often hold promotions and sometimes "silently" offer discounts for the purchase of policies online, and we publish all this on this page once a week. When buying a policy on the website of each insurer, you will be able to enter a discount or promotion code, so on this page you will always find current, valid share codes so that you can buy MTPL insurance cheaper.

Execution and purchase of the policy on the Internet usually takes only a few minutes, so you can compare and purchase MTPL insurance for your car at any time of the day. The buyer can choose the policy start date, term and receive a printout of the new policy in e-mail immediately after payment.

Compulsory motor third party liability insurance. It is mandatory for all vehicles involved in road traffic. With MTPL, but at your own risk, in cases when you have caused damage to another person's vehicle, property or health. With the MTPL policy, your liability limit for damages caused to a person is up to 5,210,000 EUR and for property 1,050,000 EUR. This means that within these limits, you will not have to pay from your own pocket for the damage you have done to others.

MTPL does not cover losses incurred:

• For your vehicle and your health after a road accident or off-road accident (scratched bumper in the parking lot, broken glass, punctured tire and the like)
• During competitions or training.

You can purchase this type of insurance for a term of 1, 3, 6, 9, 12 months or until the end date of the technical inspection. In order to participate in road traffic, MTPL insurance must be mandatory. Read more in our section What's MTPL.

In order to buy a MTPL policy at a discount, it is necessary to purchase it online, because almost all Latvian insurers offer additional discounts if the policy is purchased online. Typically, discounts for online purchases range from -3% to -15%. Insurers tend to change these online discounts frequently, so we compare them every week.

In addition to insurers' discounts, the law stipulates that a 40% discount can be received for groups 1 and 2 disabled people. Group 3 disabled people can receive a discount if the person's mobility is limited. Farmers, fishermen, agricultural workers and agricultural entrepreneurs can receive a 30% discount. Discounts are usually not cumulated, but if you have a disability certificate or are from one of the above industries, then your purchase will be subject to the highest possible discount 30% or 40% respectively.

We have a section on our website Discounts, which we update every week with information on current promotions and discounts from all Latvian insurers. Not all promotions or short-term discounts are published in the media, so often clients are not even aware of the possibilities to buy a policy cheaper at the moment.

Whether your new MTPL policy is valid, as well as the policy entry into force and end date can be seen in the printout of your policy or in the e-mail sent by your insurer. If for some reason you have not received a printout or e-mail or cannot find it, then at any time you can view information about your car's MTPL policy in the LTAB website section Check MTPL. To view the information, you only need to know the car registration number or chassis number, when entering the system will immediately show the status of your MTPL policy - you will find out with which insurer it was purchased, when it was purchased, when it expires, as well as in which countries the policy is valid.

If the end of your insurance term is no later than within the next 30 days, then you can use the MTPL calculator to calculate the price of the new policy in time. If the term expires later than 30 or 35 days (depending on the policy issuer's terms), then you will not be able to calculate the price of a new policy yet.

MTPL protects your civil liability, which ensures that you do not have to cover the losses you have caused to a third party as a result of an accident from your own pocket. CASCO insurance does not perform such a function. If you have CASCO and there is no MTPL at that moment, then the third party may have to pay the losses caused by the accident. In addition, you will be penalized for the fact that your vehicle has been involved in traffic without MTPL insurance.

As we already know, MTPL is mandatory. This is to ensure that the victim always has their money and does not have to repair the car from their own pocket if someone has damaged it in a traffic accident. CASCO performs a completely different function and it does not include or replace MTPL insurance, but you will learn more about it by reading our article What's insured with CASCO.

Remember that MTPL, or Compulsory Civil Vehicle Insurance is mandatory for every vehicle participating in road traffic (cars and trucks, motorcycles, scooters and also trailers).

We cannot please you with a straight answer, because there is no single formula according to which your car insurance premium (price) would be calculated. It is for this reason that the price of a policy may differ for each of the insurers. One clear, important factor in the MTPL price is your Bonus Malus class. We explained this in full detail in our blog post What's Bonus Malus class.

In addition to the BM class, the following parameters can also be factors influencing the MTPL price:

• Type of vehicle you own (light, heavy, tractor, motorcycle)
• Purpose of use of the vehicle (taxi, official or security car)
• Age of the authorized user, owner of the vehicle
• Drivers' experience
• Declared place of residence
• History of claims paid in the previous insurance period.

There are definitely other factors that insurers take into account when calculating the MTPL price and they may differ for each insurer. Only a specialist of the particular insurance company can tell you exactly, because such information is not public. To learn about each of the influencing factors in a little more detail, read the article How MTPL premium is calculated.

A green card is an internationally valid insurance contract that certifies that your car has valid compulsory liability insurance when you are abroad. It is required for road traffic (traveling through or just crossing the country) in Albania, Azerbaijan, Bosnia and Herzegovina, Iran, Israel, Russia, Macedonia, Montenegro, Morocco, Moldova, Albania, Belarus, Tunisia, Turkey and Ukraine.

The green card can be valid for a period of 15 to 365 days (choose this depending on the duration of your trip). If you do not plan to go to or through any of the above countries, then you do not need a Green Card. Your standard MTPL will be valid in Latvia, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Iceland, Italy, Cyprus, Great Britain, Lithuania, Luxembourg, Malta, Montenegro, the Netherlands , Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Finland, Spain, Switzerland, Hungary, Germany, Sweden.