Car insurance

Car insurance is the most important financial protection for your vehicle on the road. While every car owner must have valid compulsory Third Party Liability Insurance (MTPL), protection against losses often does not end there. It is important to understand what the different types of insurance are and when it is worth considering additional services, such as CASCO or roadside assistance.

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Main types of car insurance: what is the difference between compulsory and CASCO?

Compulsory Motor third party liability insurance (MTPL) is insurance that compensates for damage caused to another person or their car during a traffic accident if you are at fault. This insurance is mandatory by law for all owners of cars participating in road traffic.

CASCO insurance is a voluntary insurance that covers damage to your own car regardless of what caused the incident: it could be a traffic accident, natural disaster, vandalism or even theft. CASCO is especially relevant for newer or higher-value cars.

Roadside assistance is an additional service that can be useful for both MTPL and CASCO. It provides the opportunity to receive assistance at the scene of an accident: transportation, minor repairs, fuel delivery or even a replacement car if the accident occurred on the road. Some insurance companies include it for free – it is necessary to check.

The price is influenced by the driver's age and experience.

Insurance companies assess risk – the lower the chance of causing an accident, the cheaper the insurance. Young drivers under 25 and those with little driving experience often pay higher insurance premiums. Meanwhile, experienced drivers with a good driving history can expect lower prices or loyalty discounts. If you are not the only one driving the car, by properly selecting the age of the youngest driver and the minimum experience of the other driver, you will not only be able to safely entrust your car to your son or daughter, but you can also save on insurance premiums.

Insurance duration and renewal

Most often, insurance contracts are concluded for a period of 12 months, but some insurance companies allow you to choose shorter terms – for example, 1, 3 or 6 months. This may be relevant for seasonal use or other specific needs.

The insurance contract can be extended 30 days before the end of the current contract.

It is important to remember: it is always worth checking and comparing insurance offers before the contract expires. Even if the previous insurance contract was suitable, the price and conditions can change significantly over the course of a year.

Important documents

Traffic accident declaration form

Law on Compulsory Motor Third Party Liability Insurance

Standard terms and conditions for compulsory insurance against civil liability in respect of the use of motor vehicles

Ergo MTPL insurance product information document

Gjensidige MTPL insurance product information document

Lietuvos draudimas MTPL insurance product information document

Balcia MTPL insurance product information document

BTA MTPL insurance product information document

Compensa MTPL insurance product information document

F.A.Q.

Purchasing insurance on the “Man ramu” Insurance platform is easy, but we understand that you may still have various questions.

Is it possible to have compulsory and CASCO insurance with different insurance companies?

Yes, these are separate types of insurance, concluded as separate contracts. However, we recommend having both insurances with one company – this makes it easier to handle claims, complex discounts can be applied, and roadside assistance will work more efficiently.

Do I need to provide photos of the car for CASCO insurance?

Yes, most often, a CASCO insurance contract becomes fully effective only after submitting photos of the car (before or shortly after conclusion). If the photos are not submitted on time, the insurer may apply an additional deductible of up to EUR 300, even if the policy specifies a lower amount.

What is a deductible and how is it applied in the event of a claim?

A deductible is an agreed amount that the person who has suffered damage must cover themselves. For example, if your CASCO policy specifies a deductible of EUR 200 and the damage amounts to EUR 1,000, the insurance company will compensate EUR 800. In some cases (e.g. theft, natural disaster), a separate, percentage or higher deductible may apply – this is specified in the policy.

Does the insurance company pay damages in all cases?

No. The insurance benefit may not be paid or may be paid only partially if:

The vehicle was driven by a person who did not have a driving license;
The driver was drunk or intoxicated;
The car was technically unsound or did not comply with the requirements of road traffic regulations;
Insurance terms and conditions have been violated (e.g., no photos were provided, no premium was paid).

What documents are required to take out car insurance?

Most often needed:

Car registration certificate (technical passport) data;
Personal identification document;
Driver’s license data (when determining driving experience);
In the case of comprehensive insurance – photographs of the car.

Does the price of insurance change depending on the driver's age and experience?

Yes. Younger drivers (under 25) and those with less than 2 years of driving experience often have higher premiums. The longer the experience and better the driving history, the better the prices.

How long is a car insurance contract valid for?

Typically, an insurance contract is concluded for a period of 12 months, but some companies offer shorter terms (e.g. 1, 3 or 6 months). Shorter periods are useful for seasonal or infrequently used cars.

Do I have to wait for my insurance to expire before I can renew it or change company?

No. The insurance contract can be terminated earlier, but usually a termination fee is applied or part of the premium is not refunded. It is recommended to compare offers in time before the expiration date and conclude a new contract without interruption.

When is it worth choosing additional roadside assistance insurance?

This service is useful for everyone, especially if:

You often travel long distances,
you are using an older or less reliable car,
you do not have a separate Road assistance service.

Assistance may include transportation, on-site repairs, tire replacement, fuel delivery, or even a replacement car.
It is necessary to carefully read and compare the terms and conditions of Roadside Assistance, as insurance companies apply different service packages.

What to do in the event of a traffic accident?

First of all, take care of your safety, call for help if necessary. Then:

Take photos of the scene and damage;
Fill out a traffic accident declaration;
Report the incident to your insurance company as soon as possible (online or by phone).

Timely and accurate data will help to settle the claim faster.

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