A peaceful state of mind while driving – fewer unexpected situations when compulsory Motor Third Party Liability (MTPL) insurance covers the driver's civil liability.
The insurance will cover the cost in case the following is damaged/ injured during the accident caused by the driver:
• Driver of the damaged car and passengers in your or another car;
• Another person's car;
• Property and extra equipment in the damaged car during the accident;
• Other objects, such as traffic lights, traffic signs, fences, etc.
When we receive a payment approval notice from the bank, we will immediately send you the following insurance documents by email: insurance policy, insurance agreement and accident declaration (if you have chosen a green card, we will send it by mail).
1.1. All the visitors of this website (hereinafter – the Users) shall comply with the rules for use of this website (hereinafter – the Rules). By confirming on the website that they have familiarised with the Rules and agree with them, the Users undertake to comply with these Rules and assume liability for non-compliance therewith.
1.2. The Rules have been drawn up pursuant to the legal acts in force in the Republic of Lithuania.
1.3. The website is intended for calculation of the amount of the insurance premium of the compulsory motor third party liability insurance (hereinafter – the MTPL), payment of the calculated insurance premium, conclusion of the MTPL contract and provision of other related services.
1.4. The Users shall be obliged to use this website only for the lawful purposes and only in a manner that is not prejudicial to the rights and/or lawful interests of Lietuvos draudimas AB or the third persons, or restricts their possibilities to use this website.
1.5. If any of the provisions of the Rules is deemed null and void, it shall not affect the validity of other provisions of the Rules.
2.1. In order to find out the estimated amount of the insurance premium for the MTPL contract and conclude such contract, the User shall indicate on this website the required information, including the personal data (own personal ID number, as the owner of the vehicle or, in cases prescribed by the Republic of Lithuania Law on MTPL, the personal ID number of the vehicle holder, vehicle's licence plate number, etc.). As specified in paragraph 3.6 of the Rules, certain information (including personal data) mandatory in order to provide the aforesaid services may be provided by Regitra state enterprise.
2.2. Please be informed that pursuant to the requirements of the Republic of Lithuania Law on Insurance and other legal acts, for the purposes of conclusion and implementation of the contract, the Insurer or its authorised third persons shall have the right to process the data you provide and/or contact the state registers, banks, law enforcement authorities, insurance companies and other third persons who possess the required information, asking them to provide the data required for examination of the request for conclusion of the contract with consideration of the events that occurred during the contract period and determining the amounts of premiums.
2.3. Prior to conclusion of the MTPL contract, the User shall be obliged to familiarise with and state his/her agreement with the insurance terms and conditions – the standard MTPL contract terms and conditions and MTPL contract. The valid standard MTPL contract terms and conditions, the MTPL contract and updated version of the Republic of Lithuania Law on MTPL shall be also published on the website of Lietuvos draudimas AB at http://www.ld.lt/privalomasis.
2.4. the MTPL contract shall be concluded as of the moment of payment of the insurance premium for the MTPL contract by the User in the amount calculated and indicated on the website of Lietuvos draudimas AB. The MTPL contract shall come into force as of the date indicated in the insurance policy.
2.5. The payment for the MTPL contract concluded via this website shall be made by using the e-banking services of one of the banks indicated on the website. Lietuvos draudimas AB shall not be held responsible for the quality of e-banking services provided by these banks.
2.6. Upon conclusion of the MTPL contract, Lietuvos draudimas AB shall transfer the following insurance documents to the User:
2.6.1. the insurance policy, insurance contract and traffic accident declaration shall be sent by Lietuvos draudimas AB to the User by electronic mail to the e-mail address indicated on this website. If the User who, concluded the MTPL contract, indicates faulty e-mail address or due to other reasons is unable to receive the insurance policy and other insurance documents, these documents can be printed out by logging in to Savas LD self-service website of Lietuvos draudimas AB or by contacting Lietuvos draudimas AB by phone by calling 1828 or e-mail at firstname.lastname@example.org.
2.6.2. Upon request of the User, Lietuvos draudimas AB shall send the green card (international motor insurance policy) to the User by regular mail to the registration address indicated in on this website. The User can pick up the green card at any customer service department of Lietuvos draudimas AB.
2.7. The Users shall act honestly and lawfully when using this website. Provision of false information (including personal data) or other processing thereof, and use of e-banking data of others shall be forbidden; such actions shall be subject to liability as prescribed in the legal acts.
2.8. The User shall be obliged to provide accurate and correct information on this website. Failure to comply or improper compliance with this obligation shall result in application of liability prescribed by the Republic of Lithuania Law on MTPL and other legal acts (e.g., if during conclusion of the MTPL contract, the information required therefor is concealed or not provided, the insurer shall have the right to demand the policyholder to return part of the benefits provided for the damages incurred by the aggrieved third person(-s) during the insured event).
2.9. It shall be forbidden to use this website via the programmes sending automatic inquiries to the website.
3.1. Lietuvos draudimas AB shall have the right to process personal data, inter alia, for the purposes of conclusion and performance of non-life insurance contract, as well as direct marketing.
3.2. When processing personal data, Lietuvos draudimas AB shall act in accordance with the requirements for processing of personal data set forth in the General Data Protection Regulation and other legal acts.
3.3. The User wishing to use the services provided by this website must specify his/her personal data: own personal ID number, as the owner of the vehicle or, in cases prescribed by the Republic of Lithuania Law on MTPL, the personal ID number of the vehicle holder, vehicle's licence plate number and contact details (registration address, mobile phone number and e-mail address).
3.4. By providing personal data on this website, the User hereby confirms that he/she has the right to provide such data and accept decisions related to such processing, i.e. that he/she is the subject of the personal data provided and accepts full liability for the damages that could be incurred by Lietuvos draudimas AB and/or the third persons in relation to unlawful provision of personal data and/or other processing.
3.5. By indicating the required personal data and other information on this website, the User shall be considered to have provided his/her consent to Lietuvos draudimas AB for processing of this information in the scope necessary for provision of services on this website and administration of the MTPL insurance contracts concluded, as well as the consent for presentation of the calculated amount of insurance premium for the MTPL contract to the User as an offer to conclude such contract.
3.6. Certain data of the vehicles (type, make, model, year of manufacture, engine capacity, tonnage, power, VIN number, etc.) and personal data on its owner or, in the cases provided for in the Republic of Lithuania Law on MTPL, the holder (driving licence, driving experience, history of driving offences) shall be mandatory in order to duly provide the services indicated on this website, which, in addition, can be provided by Regitra state enterprise.
3.7. Lietuvos draudimas AB shall process the User's personal data required for the conclusion and performance of the MTPL contract in accordance with the established terms: if no damages have been registered during the validity period of the insurance contract – 15 years as of the date of expiration of the contract; if damages have been registered during validity of the insurance contract – 25 years of the date of payment of the last benefit or as of the date of debt repayment in the event of recourse (whichever comes last).
3.8. By continuing with the purchase, you confirm that we can use the data (name, surname, phone number and/or e-mail address) you provide seeking to offer assistance to you while you conclude the insurance contract online, if the conclusion process is not completed.
3.9. Remember, you shall have the right:
3.9.1. To familiarise with the personal data processed, request to correct and delete your personal data or terminate the processing actions with your personal data (if the data are processed in prejudice to the provisions of the laws), to refuse to allow processing of your personal data and request transfer of your personal data to another data controller.
3.9.2. In the event of questions regarding the data processed by Lietuvos draudimas AB, send an e-mail to email@example.com. You shall also have the right to lodge a claim regarding the data protection issues to the State Data Protection Inspectorate.
3.10. Lietuvos draudimas AB shall be obliged not to disclose and transfer the User's personal data to the third persons, except in cases, where it is necessary for the purposes of provision of the services offered by this website and/or mandatory under the requirements of the legal acts in force.
3.11. By processing personal data for the purposes indicated in this section of the Rules, Lietuvos draudimas AB shall implement due organisational and technical measures intended for protection of personal data against accidental or unlawful destruction, modification, disclosure or any other unlawful processing.
4.1. All intellectual property rights related to this website are held by Lietuvos draudimas AB. Any reproduction, dissemination, storage or other use of this website's content or part thereof without consent of Lietuvos draudimas AB shall be forbidden and subject to liability prescribed by the legal acts.
5.1. If the User of Lietuvos draudimas AB fail to duly fulfil their duties provided for in the present Rules, they shall be obliged to compensate all the damages incurred by Lietuvos draudimas AB and/or third persons in relation thereto.
5.2. All the disputes arising in relation to use of this website shall by settled by negotiations between the User and Lietuvos draudimas AB. If the parties fail to resolve the dispute in this manner, it shall be settled in the procedure set forth in the legal acts of the Republic of Lithuania.
5.3. The present Rules shall be effective for an indefinite period. Lietuvos draudimas AB shall have the right to unilaterally modify the provisions of the Rules.
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