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Frequently asked questions

Frequently asked questions

Can I calculate MPTL price with disability or farmer discount?

If you want to buy MTPL policy with disability or farmer’s discount, please contact us and we will help you individually.
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Can I buy policy that will be valid from today?

If your insurance policy ended yesterday and today you need new, please contact us by calling and we will try to help you. Normally Smartins.lv orders will be serviced within a day. Insurance policy will be sent to you by e-mail that you provided.
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Can I order policy on weekends or national holidays?

Orders can be made 24 hours in a day, any day! The order will be processed the next business day. Standard Smartins.lv orders are processed within one business day (Order today - receive policy tomorrow)! If the policy is needed urgently, please contact us by phone (in the "Contacts") and we'll try to help you! Ordering travel insurance, take note that the ordering policy outside working hours, it may only be issued on the next business day, which is not the first day of travel.
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For what type of vehicles MTPL price Smartins.lv?

Smartins.lv MTPL price can be calculated for any road vehicle registered in CSDD - car, tractor, trailer, bus, trucks, motorcycles, quadricycles, heavy machinery.
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For what type of vehicles CASCO price Smartins.lv?

Smartins.lv CASCO price can be calculated for such vehicles - cars, tractors, buses, trucks, motorcycles. If you want to buy CASCO motorboat, a water motorcycle or any other vehicle, please contact us by phone (in the "Contacts") and we'll try to help you!
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Is the purchase of Smartins.lv MTPL policy cheaper than in the insurance company's office?

To purchase MTPL policy (or any other insurance policy) Smartins.lv, you only need a device with internet access. You can be anywhere in the home, at work, traveling or in the car sit in a traffic jam, you do not have to go to one or more insurance companies to clarify offer and / or purchase the policy! You will save your time and money by purchasing policy Smartins.lv! MTPL policy prices can vary daily, depending on the insurance company, so using Smartins.lv You can be assured of receiving the best deals every moment when calculating the price.
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Does MTLP policy must always be carried in the vehicle?

From 1st of June, 2008, MTPL policy don’t have to be carried in the vehicle while driving in the territory of Latvia’s Republic. The Police are able to check the validity of MTPL policies of the vehicle data (number plate) in their systems. For more details, see LTAB. Driving outside of Latvia’s Republic, MTPL policy have to be with you. Smartins.lv recommends to take MTPL policy always with you, because in the event of road accident and filling out the Road accident Report, you should include the insurance company and policy number. Traffic and the Police database tend to be delayed and they have the right to detain you for up to 3 hours, until then examine, whether you have really a valid MTPL policy!
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Where can I get the Road accident Report?

If you purchased MTPL policy in Smartins.lv and have chosen to receive it by mail, the Road accident Repot will be added to the Insurance Agreement. You can also visit any of our offices or the nearest insurance company and ask it there - it's free of charged.
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How will I know that my MTPL policy has started?

Smartins.lv employee will send the policy by e-mail, and it means your policy is valid. Broker will also notify you, if you have agreed about it.
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Can I get back the money about insurance, if I'm selling my vehicle?

Yes, if the validity of the policy period had no indemnity! In the case of selling vehicle, it is possible to receive part of the returnable premium. CASCO insurance policy can be terminated at any time by writing an application to the insurance company. MTPL policy can be terminated only, when the car owner has changed, car is removed from the Register or has total loss. To stop MTPL policy it is necessary to write application for the insurance company and submit the verification document - a certificate from the CSDD about the car removal from the register, the new copy of registration certificate, acceptance - delivery act. (For example, if the policy is concluded for a year, on 01.07., and the car is sold on 05.11., The part of returnable premium is calculated using the following formula = Annual premium / 365 * 238) from returnable premiums to the public the right to charge administrative costs to 25%. Returnable premium you can receive to a bank account or transferred to another policy, in the same insurance company. If the premium is transferred to another policy, usually an insurance company does not charge any administrative costs. If you need to stop any of the policies, please contact us by phone (in the "Contacts") and we will help you!
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How many days in advance (before the MTPL policy expiry date) I can buy the new MTPL policy?

MTPL policy can be purchased 30 days before its effective date. For example, you need MTPL policy from 5th of May, the MTPL policy can be purchased from 5th of April! Also CASCO insurance policy can be purchased 30 days in advance!
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What is Bonus-Malus class?

Bonus-Malus class is vehicle owner’s risk class that defines how big is the risk that this driver causes traffic accident which insurance company will have to cover for. Class name Bonus-Malus could be explained with Bonus – discount an insurer applies if class is 7-17, and Malus – additional payment insurer applies if class is 5-1. When registering a vehicle for the first time, 6 BM class is given, that means standard price – no discount and no additional payment. The same Bonus-Malus class is applied to the same vehicle group owned by the same person. Motor Insurers’ Bureau recalculates Bonus-Malus class once a year – in September. If you have caused any accident, your Bonus-Malus class could go down in September! More information on Bonus-Malus class is available on Motor Insurers’ Bureau webpage.
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What defines vehicle’s value in CASCO insurance?

In CASCO insurance, vehicle’s value is its market value at the moment of the conclusion of the policy. This means amount of money necessary to buy equal vehicle (equal mark, model, year, equipment). Smartins.lv defines CASCO price for vehicles according to vehicles’ value catalogue of Motor Insurers’ Bureau. This catalogue is used by insurance companies.
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What kinds of Motor Third Party Liability Insurance exist?

Standard policy (MTPL) is an insurance agreement for vehicle registered in the Republic of Latvia. Standard policy is valid in all European Economic Area (EEA) countries and in other countries which joined pact of May 30, 2002 between EEA member countries and national insurance bureaus of other associated countries. We recommend you to purchase this insurance line if you are not planning to go to Russia, Belarus, Ukraine, Moldova, Turkey and other countries which are not members of EEA. International insurance agreement (Green Card) is insurance agreement for a vehicle taking part in road traffic in country that is member of Green Card system. Green Card is valid ONLY in countries specified in the policy. We recommend you to purchase this insurance line if you are planning to go to Russia, Belarus, Ukraine, Moldova, Turkey and other countries which are not members of EEA. Border insurance agreement is insurance agreement for a vehicle registered outside EEA country if its driver cannot show Motor Third Party Liability Insurance policy valid in the Republic of Latvia. Border insurance agreement is valid only inside EEA territory. This insurance line will be needed for your friends and other visitors coming to Latvia from countries whose liability insurance is invalid in Latvia (e.g. CIS countries).
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In which countries MTLP is valid?

Standard policy (MTPL) is an insurance agreement for vehicle registered in the Republic of Latvia. Standard policy is valid in all European Economic Area (EEA) countries and in other countries which joined pact of May 30, 2002 between EEA member countries and national insurance bureaus of other associated countries. Border insurance agreement is insurance agreement for a vehicle registered outside EEA country if its driver cannot show Motor Third Party Liability Insurance policy valid in the Republic of Latvia. Border insurance agreement is valid only inside EEA territory. International insurance agreement (Green Card) is insurance agreement for a vehicle taking part in road traffic in country that is member of Green Card system. Green Card is valid ONLY in countries specified in the policy.

CountriesWhich insurance policy is valid?
AndorraStandard policy or green card
AustriaStandard policy or green card
BelgiumStandard policy or green card
BulgariaStandard policy or green card
Czech RepublicStandard policy or green card
DenmarkStandard policy or green card
FranceStandard policy or green card
GreeceStandard policy or green card
CroatiaStandard policy or green card
EstoniaStandard policy or green card
IrelandStandard policy or green card
IslandStandard policy or green card
ItalyStandard policy or green card
CyprusStandard policy or green card
LatviaStandard policy or green card
Great BritainStandard policy or green card
LithuaniaStandard policy or green card
LuxembourgStandard policy or green card
MaltaStandard policy or green card
The NetherlandsStandard policy or green card
NorwayStandard policy or green card
PolandStandard policy or green card
PortugalStandard policy or green card
RumaniaStandard policy or green card
SlovakiaStandard policy or green card
SloveniaStandard policy or green card
FinlandStandard policy or green card
SpainStandard policy or green card
Switzerland and Liechtenstein*Standard policy or green card
HungaryStandard policy or green card
GermanyStandard policy or green card
SwedenStandard policy or green card
AlbaniaOnly green card
BelarusOnly green card
Bosnia and HerzegovinaOnly green card
IranOnly green card
IsraelOnly green card
RussiaOnly green card
MacedoniaOnly green card
MoroccoOnly green card
MoldovaOnly green card
Serbia and Montenegro**Only green card
TunisiaOnly green card
TurkeyOnly green card
UkraineOnly green card

Green card is valid only in countries specified in the insurance policy (not crossed out)
* Not EEA country, but has entered into agreement
** Serbian bureau has undertaken obligation for Montenegro – Green card valid in Serbia is also valid in Montenegro

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When buying insurance policy through broker, is the price higher?

When you buy insurance policy at Smartins.lv, there is no additional payment applied. Insurance policy price always will be the same (or lower) as standard price of insurance company.
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Who is policyholder?

Policyholder is a legal entity or an individual that has concluded and insurance policy to its own or other person’s benefit, i.e. person who buys a policy and pays for it.
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Who is insured?

Insured is a legal entity or an individual fixed in the insurance policy that has an insurable interest and to the benefit of whom the insurance policy is concluded, i.e. person who will get insurance indemnification. When insured is not beneficiary, it should be specified in the policy.
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