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Buy OCTA online and receive your policy by email in minutes.
The OCTA calculator lets you quickly and easily compare offers from different insurers in one place. Simply enter your vehicle details, review the prices and choose the most suitable OCTA policy.
No more searching each insurer separately - everything is available in one place.
OCTA insurance is mandatory for every vehicle owner. If you cause an accident and damage is done to others or their property, the insurer will cover the losses, not you.
Without OCTA you cannot participate in road traffic - it protects you from major expenses and ensures the safety of others.
OCTA insurance covers the following types of damage as required by law:
The compensation limit for personal injury is up to €6,450,000, and for property up to €1,300,000.
However, OCTA does not cover damage to your own vehicle - for that you need KASKO insurance.
OCTA policy prices can vary significantly between insurers. By comparing offers, you can save both time and money.
Plus, you can choose not only the cheapest policy but also additional services such as OCTA plus.
A driver reversing out of a supermarket parking space failed to notice and clipped a passing car. The rear door and wing were damaged. The victim received an insurance payout - repair costs reached €5,000. The driver who caused the accident did not have to pay anything themselves, though their OCTA policy price may increase in the future.
During the Riga morning rush hour, a driver failed to maintain a safe distance, could not brake in time and rear-ended the car in front. Two vehicles were damaged in the collision: repairs for one cost €2,600, for the other - €750. OCTA insurance fully compensated all losses to the injured parties, and the at-fault driver did not have to pay anything. Total compensation - €3,350
At a red light, a driver did not notice another car starting to move in the adjacent lane and, turning left, crashed into its side. Both cars sustained significant body damage. The victim received an OCTA insurance payout - repair costs reached €2,100. The at-fault driver incurred no additional expenses.
A driver at a pedestrian crossing failed to brake in time and hit a pedestrian. The victim suffered a broken leg and other injuries, requiring surgery and extended rehabilitation. OCTA insurance fully covered all medical expenses and compensated lost wages during the recovery period. Total payout - €25,000
Fill in the application form with the required information
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e-OCTA, or the electronic OCTA policy, is the same OCTA in electronic form - with the same coverage and legal force as a paper policy. In Latvia, all OCTA policies have long been registered electronically, so in practice "e OCTA", "eOCTA" and "OCTA" mean one and the same policy.
You do not need to carry a paper printout: the police verify the policy in the register of the Motor Insurers' Bureau of Latvia (LTAB) by the car's registration number. When you buy eOCTA in our calculator, you receive the policy by email in PDF format; it takes effect on the date you choose.
To get e-OCTA you only need the car's registration number and the registration certificate number - the whole process takes a few minutes and happens entirely online.
You can check whether a vehicle has a valid OCTA policy on the LTAB website by entering the car's registration number.
OCTA covers losses caused to third parties in a road traffic accident - both to people's health and to property. The maximum compensation amounts are set by the OCTA law and are the same for all insurers:
| Type of loss | Compensation limit |
|---|---|
| Personal injury (health, life) | up to 6,450,000 EUR |
| Damage to property | up to 1,300,000 EUR |
This means the policy price does not affect the coverage - a cheaper OCTA policy provides exactly the same protection as a more expensive one.
An OCTA policy issued in Latvia is valid in all European Union and European Economic Area countries at no extra cost. For trips outside the EEA, check whether a Green Card is required - ask us about arranging one.
Insurers calculate the OCTA price differently for each car and driver: the same vehicle can cost significantly different amounts at different companies. That is why the only reliable way to find the cheapest OCTA is to compare offers from several insurers in one place - which is exactly what our OCTA calculator does, comparing Balta, BTA, Balcia, Compensa, ERGO and BAN prices.
Your price depends on the vehicle type, age and power, the place of registration, the owner's age and driving experience, and the bonus-malus class - the longer you drive without accidents, the lower the price. Choosing the right policy term and renewing on time also helps you save.
If you do not have the registration certificate at hand, use the OCTA calculator without the registration certificate.
If no one is injured and both drivers agree on the circumstances, fill in the agreed statement - there is no need to call the police. If there are injuries, disagreements or third-party property damage, call the police on 112.
Compensation is claimed by the injured party from the at-fault driver's OCTA insurer. How to correctly file a claim is described in a separate section. If the accident happened abroad, take photos of the scene, note down the other driver's and their insurer's details and contact us - we will help with the claims process.
OCTA is mandatory third-party liability insurance for land vehicle owners. It is required for all motorised vehicles participating in road traffic.
Enter the vehicle registration number and registration certificate number, and the OCTA calculator will show you offers from different insurers within seconds. Prices are calculated based on up-to-date insurer data, so you immediately see the actual OCTA price for your vehicle. After comparing, you can choose the best policy and purchase it online.
Yes. Once you have compared prices, you can immediately select the most suitable insurer and purchase your OCTA policy online. Payment is made securely, and after purchase the policy is sent to your email. This means you can complete the entire process in one place, without calls or visits to an office.
Yes, the OCTA calculator is completely free and available to everyone.
Yes, the calculator displays current insurer offers and prices are updated automatically. The final OCTA price may differ slightly if the entered data is adjusted (e.g. vehicle or driver information), but in most cases the displayed price matches what you will receive when purchasing the policy. That is why comparing in one place helps you quickly find the best deal.
No. e-OCTA is an electronic OCTA policy that works the same as regular OCTA and provides identical coverage. It is valid as soon as it is registered in the LTAB database, and the police check it electronically by the car\'s number - no paper printout is needed.
You can do this free of charge on the LTAB (Motor Insurers\' Bureau of Latvia) website by entering the car\'s registration number. If the policy has expired, you can get a new one in minutes in our OCTA calculator.
OCTA prices in Latvia start from approximately 50 to 60 EUR per year for a passenger car. The exact price depends on the vehicle type, engine capacity, driver's age, driving experience and registration location. For more powerful vehicles or drivers with limited experience, the OCTA policy price can be significantly higher. Comparing offers from multiple insurers helps find the most competitive price. The only reliable way to find the cheapest OCTA price is to compare offers from several insurers in one place.
Agento's OCTA calculator compares prices from leading Latvian insurers: Balta, BTA, Balcia, Compensa, ERGO and BAN. Comparison is free and takes just a few minutes. Choose the best offer and purchase your policy online. The policy will be sent to your email.
In addition to OCTA, you may also consider KASKO insurance, which protects your own vehicle, or OCTA Plus for extended coverage. If a traffic accident occurs, learn how to file a claim and complete an accident report. For trips abroad, consider travel insurance as well.
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