🚗 Auto Insurance (TPVCA)

Everything You Need to Know About TPVCA—Compulsory Auto Insurance in Lithuania

For many drivers, car insurance is a formality that must be taken care of before they start driving. However, in reality, TPVCA insurance (compulsory motor vehicle liability insurance) is much more than just a certificate.

This is a legally required safeguard for you and others, which can mean the difference between financial disaster and a sense of peace of mind after an accident. In Lithuania, as elsewhere, you are not permitted to drive on public roads without valid TPVCA insurance.

This insurance is designed to cover damages to other people—both to their property and their health—in the event of a traffic accident where you are at fault. The best part is that these days you can purchase insurance online in just a few minutes and be covered immediately.

What does mandatory insurance cover?

The most important thing is to know exactly what TPVCA covers. This insurance applies if you cause a traffic accident and, through your fault, damage is caused to another road user. This can cover a wide range of situations, from damage to another car to damage to a pole, a traffic sign, or even a building. In addition, TPVCA also covers personal injury if a driver, passenger, or pedestrian is injured and requires medical care or rehabilitation; the costs incurred are covered by the at-fault party’s mandatory insurance.

Another important aspect that not everyone considers is that the TPVCA also covers legal expenses related to compensation for damages if, following an incident, you need to defend yourself or resolve matters in court. In short, this is coverage that includes not only property damage but also personal injury.

What is not covered by TPVCA, and how does it differ from KASKO?

Although TPVCA is essential for every driver, it is important to understand that this insurance does not cover your own vehicle. If you damage your own vehicle in an accident, TPVCA will not compensate you for the damage. Similarly, if your car is damaged due to natural causes, vandalism, or fire, TPVCA will not help. Separate insurance is required for such cases.

Comprehensive auto insurance (KASKO) covers your vehicle against various risks, even if there is no at-fault party or the damage occurred through no fault of your own. Third-Party Liability Insurance (TPVCA) and Comprehensive Auto Insurance (KASKO) are not interchangeable but complement each other. TPVCA covers others, while KASKO covers you. Therefore, if you want comprehensive protection, it’s worth having both.

How can I find out the price of TPVCA, and what factors determine it?

The cost of TPVCA often comes as a surprise, as some drivers pay just a few dozen euros a year, while others pay several hundred. Why is that? Because the insurance premium is calculated on an individual basis. The main criteria are your age and driving history, as well as whether or not you’ve been involved in traffic accidents. The longer you drive without causing any damage, the better your reputation in the eyes of insurance companies, and consequently, the lower your premium.

Your place of residence, car model, engine displacement, and area of use are also important factors. So is the selected insurance period. That’s why it’s best not to guess—just check the actual price based on your information.

What information do I need to provide to get insurance?

To purchase TPVCA Insurance, you won’t need to go to the office or send a mountain of documents. All you need is the car’s license plate number, and if the car isn’t registered yet—the VIN and technical specifications (model, year of manufacture, etc.). You’ll also need to provide your personal identification number, or if the car belongs to a company, the company’s registration number. Finally, you’ll specify the insurance period—usually 12 months, but you can also choose shorter options—6, 3, or even 1 month, if needed.

How can I get insurance online quickly?

While buying insurance used to mean a visit to an office or long phone calls, today it’s simple. Through the Draudykle.lt platform, you can purchase mandatory auto insurance in less than 5 minutes. You enter your information, the system automatically displays offers from different insurance companies, and you choose the one that suits you best.

You can choose based on price, insurance terms, or a brand you trust. After payment, the insurance policy is sent to you immediately by email—it’s valid right away, so you don’t have to go anywhere or wait. This is the perfect solution for those who value their time and want to take care of everything conveniently without leaving home.

What should I do if my policy has expired?

The TPVCA is valid only until the date specified in the contract. Once this period expires, your car is immediately prohibited from being driven on public roads. Even if it is just one day without insurance, this constitutes a violation subject to administrative penalties. Therefore, it is important to monitor the policy’s expiration date and renew it in a timely manner.

People often wait for the insurer to send a quote by email, but that isn’t always the best option. Such a quote may be more expensive than those from competitors, so it’s worth comparing prices again—especially if your insurance risk has improved over the past year. Through Draudykle.lt, you can not only quickly find the best quote, but also avoid overpaying just because you’re a loyal customer.

Frequently Asked Questions About TPVCA Insurance

What is TPVCA insurance, and why is it necessary?

TPVCA is compulsory civil liability insurance for vehicle owners, required for all participants in public traffic. It ensures that damages to other people or their property are compensated in the event of a traffic accident if you are at fault.

What exactly does TPVCA insurance cover?

TPVCA covers damages caused to others: damage to vehicles, buildings, and road infrastructure, as well as medical expenses for injured road users. It may also cover legal costs related to the compensation for damages.

Does TPVCA insurance cover my car?

No, TPVCA does not cover damage to your car or motorcycle. If you want to protect your vehicle, you should choose Comprehensive Auto Insurance, which covers losses regardless of fault.

What factors determine the price of TPVCA?

The cost of insurance depends on the driver’s age, the number of insurance claims, place of residence, vehicle model, engine displacement, area of use, and the insurance period. The price can vary by a factor of several for each individual.

What do you need to have in order to purchase TPVCA insurance online?

You will need your personal identification number (or company identification number, if the vehicle is registered in the company's name), the license plate number or VIN, and the vehicle's technical specifications if a license plate number has not yet been assigned. You’ll also need to know the desired insurance period.

Is it possible to purchase a TPVCA for a period shorter than 12 months?

Yes, you can choose TPVCA coverage for 6, 3, or even 1 month, especially if the car is used on a seasonal basis or if you need temporary coverage (e.g., pending registration or for the duration of a rental).

What happens if the TPVCA has expired?

Once your policy expires, your car is no longer permitted to be on the road. Even a single day without insurance constitutes a violation that may result in a fine. Therefore, it is very important to renew your insurance on time.

Is it worth accepting an automatic renewal offer from an insurance company?

Not always. Insurers often offer more expensive renewals than their competitors. Therefore, before renewing your policy, it’s worth checking new offers through a comparison platform—you could save up to thirty percent.

Is TPVCA insurance valid abroad?

Yes, but only in countries where the Green Card is valid. For drivers from Lithuania, these will most often be countries in the European Union and the Schengen Area.