The core of MTPL is set out in law: it compensates damage caused to others. Full driving protection, though, is made up of layers – here's the map: what MTPL gives you, what the add-ons give you, and which risks call for a different tool. No premium figures, just content.
Details: what it covers and what it doesn't · what MTPL is.
Details: MTPL vs. casco · recourse.
The content varies by insurer – which is why it's worth comparing them item by item.
The categories are for guidance only: the range and content of add-ons vary by insurer and change from time to time – the exact scope is always set by the specific offer and terms.
| Situation | Who/what pays? | The detailed article |
|---|---|---|
| You cause a bump: the other car is damaged | Your MTPL cover compensates the injured party | Reporting as the at-fault driver |
| You cause a bump: your own car is damaged | Your own casco (if you have it) – not MTPL | MTPL vs. casco |
| Someone hits you (not at fault) | The at-fault driver's MTPL – or your own casco | Claiming as the injured party |
| The at-fault driver drove off / is uninsured | The Compensation Account – under the rules | The Compensation Account |
| Accident abroad | MTPL is valid across the EEA; a Green Card may be needed | MTPL abroad |
| A passenger is injured | The at-fault driver's MTPL – the passenger is the injured party | Personal injury |
| Causing an accident while drunk | The injured party is compensated – recoverable from the at-fault driver | Recourse, factually |
| Storm, hail, wildlife – damage to your own car | Casco territory – MTPL doesn't compensate it | Common misconceptions |
The table is for guidance only and doesn't replace reading the terms – the quick guide to reading the terms helps with that.
The full picture of driving and family protection is made up of several sites together. For damage to your own vehicle – collision, theft, natural-disaster damage, wildlife – casco is what you need: casco.biz; the mirror article on the MTPL–casco boundary reads from both sides. MTPL for company vehicle fleets is a separate field: flotta.biz. The cost of traffic-related legal disputes – regulatory-offence and damages cases – is covered by legal expenses insurance: jogvedelem.biz. The driver's and family's own cover for personal injury is accident insurance: baleset.biz. And the full insurance portfolio for businesses comes together on the vallalkozas.biz hub.
With an independent broker, insurers compete for you – not the other way round. My advice is free of charge.