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).
1.2. The Terms have been prepared in accordance with the laws of the Republic of Lithuania.
1.3. On this website, you can calculate the amount of motor third party liability insurance (hereinafter - MTPL) agreement, pay the calculated insurance premium, make an MTPL agreement and receive other related services.
1.4. The Users must use this website only for lawful purposes without violating the rights and (or) legitimate interests of AB “Lietuvos draudimas”, third parties and without limiting their use of this website.
1.5. If any provision of the Terms is due to expire, it will not affect the validity of other provisions of the Terms.
2.1. In order to find out the amount of the calculated insurance premium for the MTPL agreement and make such an agreement, the User must provide the necessary information on this website, including personal data (his/her personal code as the owner’s of the vehicle or, in cases prescribed by the Law on MTPL of the Republic of Lithuania, personal code of the user of the vehicle, vehicle registration number, etc.). Referring to paragraph 3.7. to these Terms, particular information (including personal data) that is necessary to provide the service above is received from State Enterprise Regitra.
2.2. Before making an MTPL agreement, the User must read and tick on this website that he/she agrees with the insurance Terms - standard Terms and Conditions of an MTPL agreement. Valid Terms and Conditions of an MTPL agreement and current revision of the MTPL Law are constantly published on AB “Lietuvos draudimas” website www.ld.lt/privalomasis/.
2.3. Drivers' MTPL agreement is considered to be made from the moment when the User pays a premium for an MTPL agreement to AB “Lietuvos draudimas” which is calculated on this website. MTPL agreement enters into force on the date provided in the insurance agreement.
2.4. You can pay for the MTPL agreement made on this website by choosing one of the following e-banking services on the website. AB “Lietuvos draudimas” is not liable for the quality of the services offered by these e-banks.
2.5. After making an MTPL agreement, AB “Lietuvos draudimas” transfers insurance documents to the User in the following order:
2.5.1. AB “Lietuvos draudimas” sends the User the insurance policy, insurance agreement and accident declaration to the email specified on this website. If the User who made an MTPL agreement provides a false email or does not receive insurance policy and other insurance documents for other reasons, he/she may print these documents on AB “Lietuvos draudimas” self-service website Savas LD or contact AB “Lietuvos draudimas” by telephone 1828 or email at: firstname.lastname@example.org.
2.5.2. Upon the User's request, AB “Lietuvos draudimas” sends a green card (international motor insurance certificate) to the User to the registration address provided on this website. In addition, the User can take a green card in any AB “Lietuvos draudimas” customer service department.
2.6. The Users who are using this website have to be fair and lawful. Illegal transfer or handling of the information (including personal information), use of e-banking data is prohibited, and such actions subject to a statutory responsibility.
2.7. On this website, the User must provide accurate and correct information. Failure to comply with this obligation or complying with it improperly, the User is subject to the liability specified in the Law on MTPL and other legal acts of the Republic of Lithuania (e.g. If while making an MTPL agreement, information necessary to make an agreement is concealed or requested information is not provided, the insurer has the right to require the policyholder to repay a part of the benefit paid for the damage incurred during the insured event to the injured third party (s)).
2.8. It is prohibited to use this website via programmes sending automated queries to the website.
3.1. AB “Lietuvos draudimas” is registered in the State Personal Data Managers Register and has been granted with a status of a personal data manager. AB “Lietuvos draudimas” has the right to process personal data inter alia to make and execute non-life insurance agreements as well as conduct direct marketing.
3.2. While processing personal data, AB “Lietuvos draudimas” follows the requirements of personal data processing stipulated in the Law on Personal Data Protection of the Republic of Lithuania and other legal acts related to the protection of personal data.
3.3. The User willing to use the services provided by this website must provide the following personal data: his/her personal code as the owner’s of the vehicle or, in cases prescribed in the Law on MTPL of the Republic of Lithuania, of the user of the vehicle, vehicle license plate number and his/her contact details (registration address, mobile phone and email).
3.4. By submitting personal data on this website, the User confirms to have the right to submit such data and make decisions on their handling, i.e. that he/she is the object of the personal data provided and accepts full responsibility for the losses which may be incurred by AB “Lietuvos draudimas” and (or) third parties due to unauthorized provision of the personal data and (or) other handling.
3.5. By specifying necessary personal data and other information on this website, the User shall be deemed duly to give the consent to AB “Lietuvos draudimas” to handle this information to the extent it is necessary to provide services on this website and administer MTPL insurance agreements, and the consent to the AB “Lietuvos draudimas” to provide the User with calculated insurance premium for the MTPL insurance as an offer to make such an agreement.
3.6. Certain details of the vehicle (type, make, model, year of manufacture, engine capacity lower limit, tonnage, power, chassis number, etc.) and its owner or in cases provided in Law on MTPL of the manager (possession of the driving license, driving experience) are necessary to provide the services on this website. Moreover, these data are received from the State Enterprise Regitra. By submitting the required information on this website, the User shall be deemed duly to give his/her consent to AB “Lietuvos draudimas” to receive the personal data above from the State Enterprise Regitra and handle them.
3.7. By using this website, the User shall be deemed duly to give the consent to AB “Lietuvos draudimas” to handle the personal data specified on the website by AB “Lietuvos draudimas” for direct marketing purposes, including the cases when the amount of the insurance premium for the MTPL insurance agreement has been calculated on this website but the agreement has not been concluded. The Users may cancel this confirmation by contacting AB “Lietuvos draudimas” by telephone 1828 or email email@example.com.
3.8. AB “Lietuvos draudimas” shall not disclose the Users' personal data and not transfer them to third parties, except for the cases when it is done to provide services on this website and (or) it is required by the applicable legislation.
3.9. While processing personal data for the purposes referred to in this paragraph to the Terms, AB “Lietuvos draudimas” is implementing organizational and technical measures to protect personal data against accidental or unlawful destruction, alteration, disclosure or any other unlawful handling.
4.1. All intellectual property rights related to this website belong to AB “Lietuvos draudimas”. Any reproduction, distribution, storage or any other use of the content of this website or a part of it without AB “Lietuvos draudimas” permission is prohibited and subject to a statutory responsibility.
5.1. If the User or AB “Lietuvos draudimas” does not execute or executes the obligations referred to in these Terms inadequately, they must compensate all the losses to AB “Lietuvos draudimas” and (or) third parties incurred due to it.
5.2. All disputes arising out of the use of this website shall be settled by the User and AB “Lietuvos draudimas” by negotiations. If the dispute is not resolved in this way, then it shall be settled in accordance with the procedure provided in the law of the Republic of Lithuania.
5.3. These Terms are valid for an unlimited period. AB “Lietuvos draudimas” has the right to unilaterally change the provisions of the Rules at any time.
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