This mandatory insurance protects third parties from damage or loss caused by the insured vehicle in the event of a traffic accident. It covers both material and non-material damage that the driver may cause to other road users, their property, or health.

MTPL insurance is required for all vehicles operating on public roads and is a legal prerequisite for their use. The coverage applies not only in Lithuania but also across all European union and European economic area countries, as well as in other nations participating in the green card system.

Comprehensive motor insurance (CASCO) is a voluntary coverage designed to protect company-owned vehicles against a wide range of operational risks. It covers damage resulting from traffic accidents, vandalism, theft, fire, natural disasters, or unlawful actions by third parties.

Additional services may include roadside assistance, replacement vehicle coverage, and claims management support.

Key benefits for businesses:

• Protection against major risks, including total loss and theft

• One policy for the entire vehicle fleet

• Faster vehicle recovery and return to operation

• Reduced business interruption risks following accidents

Mobile equipment insurance is a specialized voluntary coverage for self-propelled or towed machinery used in industries such as construction, agriculture, forestry, warehousing, and road maintenance.

The policy covers a wide range of machinery — including excavators, loaders, tractors, harvesters, dump trucks, cranes, and lifting equipment — against accidental damage, overturning, fire, explosions, vandalism, natural disasters, or theft.

Coverage applies both during regular operation and while the equipment is being transported or used under challenging conditions.