MTPL policy for businesses

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 balta.lv, 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.