{"id":10229,"date":"2026-09-17T20:19:51","date_gmt":"2026-09-17T17:19:51","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/carriers-civil-liability-cmr-insurance\/"},"modified":"2026-09-24T21:55:58","modified_gmt":"2026-09-24T18:55:58","slug":"carriers-civil-liability-cmr-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/carriers-civil-liability-cmr-insurance\/","title":{"rendered":"Carrier&#8217;s civil liability (CMR) insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10229\" class=\"elementor elementor-10229 elementor-9650\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-307c1c94 e-con-full e-flex e-con e-parent\" data-id=\"307c1c94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c0ae959 e-flex e-con-boxed e-con e-child\" data-id=\"c0ae959\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e8a630a elementor-widget elementor-widget-heading\" data-id=\"6e8a630a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Carrier's civil liability (CMR) insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34411b62 elementor-widget elementor-widget-text-editor\" data-id=\"34411b62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CMR insurance indemnifies the customer against loss, damage or late delivery of your cargo due to the fault of the carrier. The protection is valid for international transports according to the CMR convention and for transports in Lithuania according to the Road Transport Code. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51d91887 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"51d91887\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/cmr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f16e65a elementor-widget elementor-widget-template\" data-id=\"2f16e65a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5694\" class=\"elementor elementor-5694\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f36dbab mr-trust-insurer-logos mr-trust-insurer-logos--compact elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f36dbab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-34b3e910\" data-id=\"34b3e910\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e680bf6 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"3e680bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_3e680bf6 {\n  display: grid;\n}\n#uc_logo_grid_elementor_3e680bf6 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_3e680bf6 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_3e680bf6\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/balcia-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bta-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" title=\"BTA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" alt=\"BTA logo\" width=\"150\" height=\"150\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/compensa-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" title=\"Compensa\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" alt=\"Compensa-logo\" width=\"142\" height=\"38\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/ergo-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bunda-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" title=\"BUNDA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" alt=\"Baltic Underwriting Agency\" width=\"201\" height=\"66\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/lietuvos-draudimas\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" title=\"LD\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" alt=\"LietuvosDraudimas-logo\" width=\"100\" height=\"59\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe027b2 e-con-full e-flex e-con e-parent\" data-id=\"fe027b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-37aa4256 e-flex e-con-boxed e-con e-child\" data-id=\"37aa4256\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de6d275 elementor-widget elementor-widget-heading\" data-id=\"de6d275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is this insurance relevant for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b5b99e elementor-widget elementor-widget-text-editor\" data-id=\"46b5b99e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CMR insurance is not mandatory in Lithuania \u2014 the requirement from the Road Transport Code was abolished in 2002. However, in practice, it is required by the customers and forwarders themselves: a copy of a valid insurance certificate is often a necessary condition for receiving an order. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27976963 e-con-full e-flex e-con e-child\" data-id=\"27976963\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7cd7d035 e-con-full e-flex e-con e-child\" data-id=\"7cd7d035\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bda87ac elementor-widget elementor-widget-heading\" data-id=\"2bda87ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Relevant if your company<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5000cfb9 elementor-widget elementor-widget-text-editor\" data-id=\"5000cfb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>carries out international transport operations in accordance with the CMR Convention<\/li><li>transports cargo within the territory of Lithuania<\/li><li>performs cabotage operations in other countries<\/li><li>works with freight-finding portals or freight forwarding companies<\/li><li>uses its own or a leased vehicle fleet<\/li><li>sometimes acts as a second or subsequent carrier<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fcd52ae e-con-full e-flex e-con e-child\" data-id=\"6fcd52ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd0be05 elementor-widget elementor-widget-heading\" data-id=\"7cd0be05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Probably not relevant if<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cdd2136 elementor-widget elementor-widget-text-editor\" data-id=\"6cdd2136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>you carry out only freight forwarding activities without owning your own transport \u2014 in that case, freight forwarder&#8217;s civil liability insurance is required<\/li><li>You are the cargo owner, not the carrier \u2014 cargo insurance is relevant to you.<\/li><li>you transport only your company&#8217;s own cargo for your own needs, without a contract of carriage for remuneration<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c077f20 e-con-full e-flex e-con e-parent\" data-id=\"7c077f20\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3f4126e8 e-flex e-con-boxed e-con e-child\" data-id=\"3f4126e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12ff2164 elementor-widget elementor-widget-heading\" data-id=\"12ff2164\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does CMR insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36522384 elementor-widget elementor-widget-text-editor\" data-id=\"36522384\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The insurance covers losses for which you, as the carrier, are liable: loss of or damage to the cargo and failure to meet delivery deadlines. Costs associated with cargo salvage and legal defense are also covered. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b70e448 e-con-full e-flex e-con e-child\" data-id=\"6b70e448\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-23a02fc3 e-con-full e-flex e-con e-child\" data-id=\"23a02fc3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67174843 elementor-widget elementor-widget-heading\" data-id=\"67174843\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Standard protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e95f207 elementor-widget elementor-widget-text-editor\" data-id=\"3e95f207\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Damage to, destruction of, or loss of cargo during carriage<\/li><li>Financial losses incurred by the sender or recipient due to the improper performance of the contract of carriage.<\/li><li>Breach of delivery deadline<\/li><li>Damage to third parties caused by transported cargo<\/li><li>Cargo salvage, forced destruction and removal costs<\/li><li>Legal defense and damage assessment costs<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bf09c4 e-con-full e-flex e-con e-child\" data-id=\"4bf09c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d80c6fe elementor-widget elementor-widget-heading\" data-id=\"d80c6fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Expanded separately<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-595d659e elementor-widget elementor-widget-text-editor\" data-id=\"595d659e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Gross Negligence<\/li><li>Cabotage with an increased limit \u2014 up to 40 SDR per kilogram<\/li><li>Entrusted property \u2014 containers, trailers, semi-trailers, refrigerators<\/li><li>Freight forwarding activities<\/li><li>Drivers&#8217; personal belongings and clothing<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7752b18d e-con-full e-flex e-con e-parent\" data-id=\"7752b18d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5ebf9ab8 e-flex e-con-boxed e-con e-child\" data-id=\"5ebf9ab8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-412a5b1 elementor-widget elementor-widget-heading\" data-id=\"412a5b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why does CMR insurance not always cover the full extent of the damage?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-780ca3a6 elementor-widget elementor-widget-text-editor\" data-id=\"780ca3a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is the most important thing to understand about this product. Two limits apply. First, the payout is made only when the carrier is liable for the damage. Second, even if the carrier is at fault, compensation is limited based on the cargo&#8217;s weight, not its value.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65a6bbad e-con-full e-flex e-con e-child\" data-id=\"65a6bbad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7517e59e elementor-widget elementor-widget-text-editor\" data-id=\"7517e59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>8.33 SDR per kilogram\u2014what this means in practice.<\/strong> Article 23 of the CMR Convention limits compensation to 8.33 units of account per kilogram of gross weight missing. With the SDR exchange rate hovering around \u20ac1.20, this amounts to approximately \u20ac10 per kilogram. <\/p><p>Example: A shipment of electronics weighing 400 kg and valued at \u20ac30,000. In the event of a total loss of the cargo, compensation under the convention would amount to approximately \u20ac4,000. The remainder is borne by the cargo owner.  <\/p><p>The same logic applies to pharmaceuticals, cosmetics, spare parts, and branded clothing\u2014to all lightweight, high-value cargo. For heavy, low-value goods (such as construction materials or grain), this limit rarely becomes an issue. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1824ce1 e-con-full e-flex e-con e-child\" data-id=\"1824ce1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1a62e339 e-con-full e-flex e-con e-child\" data-id=\"1a62e339\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd05830 elementor-widget elementor-widget-heading\" data-id=\"7dd05830\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Not included in the coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69baec80 elementor-widget elementor-widget-text-editor\" data-id=\"69baec80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Fines, late payment interest, and contractual penalties<\/li><li>Lost income<\/li><li>Failure by the customer to pay for the carriage<\/li><li>Transporting by vehicle without a valid licence card<\/li><li>Transportation by a technically unserviceable vehicle<\/li><li>Gross negligence without a separate supplement<\/li><li>Extended liability based on a declaration of value without a separate agreement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46c4c08f e-con-full e-flex e-con e-child\" data-id=\"46c4c08f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67d7c1f elementor-widget elementor-widget-heading\" data-id=\"67d7c1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Covered by separate products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63461e36 elementor-widget elementor-widget-text-editor\" data-id=\"63461e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Cargo value exceeding the liability limit \u2192 cargo insurance<\/li><li>Damage where the carrier is not at fault \u2192 cargo insurance<\/li><li>Damage to your vehicles \u2192 corporate vehicle insurance<\/li><li>Harm to the driver&#8217;s health \u2192 employer&#8217;s civil liability<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c88ad9 elementor-widget elementor-widget-text-editor\" data-id=\"25c88ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Therefore, carriers transporting high-value cargo often offer the client separate cargo insurance\u2014or purchase it themselves and include it in the transportation cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70417472 e-con-full e-flex e-con e-parent\" data-id=\"70417472\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2b91805a e-flex e-con-boxed e-con e-child\" data-id=\"2b91805a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7caf5b elementor-widget elementor-widget-heading\" data-id=\"5d7caf5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What determines the cost of CMR insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb07059 elementor-widget elementor-widget-text-editor\" data-id=\"7eb07059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a rough estimate, the average CMR insurance premium in Lithuania is around \u20ac360 per vehicle per year. However, actual rates can vary significantly between companies, so the exact price is determined only after assessing the specific details of your operations. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f885de2 elementor-widget elementor-widget-text-editor\" data-id=\"2f885de2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Size and type of the vehicle fleet.<\/strong> Tractor units, semi-trailers, and refrigerated trailers are valued differently.<\/li><li><strong>Route geography.<\/strong> Transport operations within and outside the EU are treated differently; some routes may be restricted.<\/li><li><strong>Types of transported cargo.<\/strong> Excise goods, electronics, pharmaceuticals, and tobacco products are subject to the strictest scrutiny.<\/li><li><strong>Drivers&#8217; age and experience.<\/strong> Distribution by seniority and change over the past 12 months is assessed.<\/li><li><strong>Control systems.<\/strong> GPS tracking, tachograph analysis, and the monitoring of driving discipline improve conditions.<\/li><li><strong>Claims history.<\/strong> Vertinami paskutiniai penkeri metai \u2014 tiek \u012fvyki\u0173 skai\u010dius, tiek sumos.<\/li><li><strong>Type of contract.<\/strong> Working through freight-finding portals is considered riskier than long-term contracts with manufacturing or trading companies.<\/li><li><strong>In-house service facility and terminal.<\/strong> Demonstrates more mature risk management.<\/li><li><strong>Selected limits and deductible.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-536f240e e-con-full e-flex e-con e-parent\" data-id=\"536f240e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3c2814a1 e-flex e-con-boxed e-con e-child\" data-id=\"3c2814a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5d0be1 elementor-widget elementor-widget-heading\" data-id=\"5c5d0be1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to decide before taking out insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65c671f3 elementor-widget elementor-widget-text-editor\" data-id=\"65c671f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A CMR policy combines several separate limits. The actual value of the coverage depends on these limits and the chosen extensions. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7acb9f elementor-widget elementor-widget-text-editor\" data-id=\"2f7acb9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Liability for the transported cargo.<\/strong> The principal limit usually starts at \u20ac300,000.<\/li><li><strong>Extension of gross negligence.<\/strong> In practice, this is the most important endorsement\u2014without it, some actual events remain uninsured.<\/li><li><strong>Expansion of cabotage.<\/strong> Required if you carry out cabotage operations in countries with a higher national limit.<\/li><li><strong>Damage to third parties.<\/strong> A separate limit, usually around \u20ac50,000.<\/li><li><strong>Entrusted property.<\/strong> Containers and semi-trailers transferred to you for temporary use \u2014 about \u20ac25,000.<\/li><li><strong>Legal expenses.<\/strong> Usually around \u20ac2,000.<\/li><li><strong>Activity as a second carrier.<\/strong> If such a situation arises, it must be declared.<\/li><li><strong>Deduction.<\/strong> A higher one lowers the premium, but you will cover minor claims yourself.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ac96783 e-con-full e-flex e-con e-child\" data-id=\"7ac96783\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42fc9dc5 elementor-widget elementor-widget-text-editor\" data-id=\"42fc9dc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Compare the terms, not just the price.<\/strong> Unlike motor third-party liability insurance, legislation does not prescribe standard terms for CMR insurance. Consequently, insurance products differ not only in price but also in substance\u2014regarding the list of excluded events, conditions that trigger a reduction in the payout if breached, and the scope of risk assumed. The cheapest offer may be the cheapest precisely because of what it omits.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f7572b4 e-con-full e-flex e-con e-parent\" data-id=\"7f7572b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6ff74f79 e-flex e-con-boxed e-con e-child\" data-id=\"6ff74f79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-667a326e elementor-widget elementor-widget-heading\" data-id=\"667a326e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What you will need to fill out the questionnaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733b33a2 elementor-widget elementor-widget-text-editor\" data-id=\"733b33a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We will retrieve the company name, address, and NACE code from the Centre of Registers\u2014you simply need to enter the company code. It is useful to have the following ready in advance: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bb83757 elementor-widget elementor-widget-text-editor\" data-id=\"6bb83757\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>List of vehicles \u2014 make, license plate number, year of manufacture, load capacity<\/li><li>Percentage distribution of transported cargo types<\/li><li>Percentage distribution of routes<\/li><li>Number of drivers by driving experience and age group, and changes over a 12-month period.<\/li><li>Control systems used \u2014 tracking equipment, tachographs.<\/li><li>Breakdown of contract types: portals, one-off and long-term freight forwarding contracts, and contracts with manufacturing or trading companies.<\/li><li>CMR claims over the past five years \u2014 amounts, number of incidents, and time periods.<\/li><li>Existing insurers \u2014 MTPL, Casco, and CMR<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a8dd4b elementor-widget elementor-widget-text-editor\" data-id=\"33a8dd4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The questionnaire takes about 10\u201312 minutes to complete, as data regarding the vehicle fleet and distribution is entered into tables. Fields that are unclear can be left blank\u2014the broker will clarify them. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26b83e8d elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"26b83e8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/cmr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e1d571f e-con-full e-flex e-con e-parent\" data-id=\"2e1d571f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6011f77e e-flex e-con-boxed e-con e-child\" data-id=\"6011f77e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-346634e2 elementor-widget elementor-widget-heading\" data-id=\"346634e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3a05c6 elementor-widget elementor-widget-n-accordion\" data-id=\"7d3a05c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2100\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is CMR insurance mandatory? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2100\" class=\"elementor-element elementor-element-541f18b6 e-con-full e-flex e-con e-child\" data-id=\"541f18b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d604cc elementor-widget elementor-widget-text-editor\" data-id=\"8d604cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">No. The requirement under the Road Transport Code was abolished in 2002, making this a voluntary type of insurance. However, in practice, clients and freight forwarders themselves require a copy of a valid insurance certificate\u2014without it, you often simply will not get the order.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2101\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2101\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the difference between CMR insurance and cargo insurance? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2101\" class=\"elementor-element elementor-element-5336fb86 e-con-full e-flex e-con e-child\" data-id=\"5336fb86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62af6b9d elementor-widget elementor-widget-text-editor\" data-id=\"62af6b9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">CMR insurance covers your liability as a carrier: a payout is made only when the carrier is liable for the damage, and it does not exceed the limit established by the convention. Cargo insurance covers the cargo itself for the benefit of its owner\u2014the actual value is compensated regardless of who is at fault. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2102\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2102\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What does 8.33 SDR per kilogram mean? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2102\" class=\"elementor-element elementor-element-634910d3 e-con-full e-flex e-con e-child\" data-id=\"634910d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c453b8 elementor-widget elementor-widget-text-editor\" data-id=\"24c453b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Article 23 of the CMR Convention limits compensation to 8.33 units of account per kilogram of gross weight missing. The SDR exchange rate is determined by the International Monetary Fund; with the rate hovering around \u20ac1.20, the limit amounts to approximately \u20ac10 per kilogram. Gross weight is calculated inclusive of packaging.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2103\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2103\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the ban apply to cabotage operations? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2103\" class=\"elementor-element elementor-element-226b12fe e-con-full e-flex e-con e-child\" data-id=\"226b12fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4f483f elementor-widget elementor-widget-text-editor\" data-id=\"2b4f483f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes, but the limit is important. In some countries\u2014such as Germany, France, and Belgium\u2014the national liability limit is 40 SDR per kilogram, almost five times higher than under the convention. A standard policy may limit liability to 8.33 SDR, so a separate extension is required.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2104\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2104\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is gross negligence and why is it important? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2104\" class=\"elementor-element elementor-element-2d63819b e-con-full e-flex e-con e-child\" data-id=\"2d63819b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a3af11b elementor-widget elementor-widget-text-editor\" data-id=\"1a3af11b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">This is a condition on the basis of which insurers usually refuse to pay a benefit. It is not included in standard coverage, but many insurers offer Gross Negligence coverage for an additional premium. This is one of the most important questions when comparing offers.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2105\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2105\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the coverage apply when I act as a second carrier? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2105\" class=\"elementor-element elementor-element-235e36dc e-con-full e-flex e-con e-child\" data-id=\"235e36dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb3cbed elementor-widget elementor-widget-text-editor\" data-id=\"2bb3cbed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Not automatically. If you take over loads from another carrier or engage sub-carriers yourself, you must indicate this in the questionnaire. Some insurers restrict this activity or assess it separately.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2106\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2106\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does CMR insurance cover freight forwarding activities? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2106\" class=\"elementor-element elementor-element-36aedd1 e-con-full e-flex e-con e-child\" data-id=\"36aedd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62f2bc38 elementor-widget elementor-widget-text-editor\" data-id=\"62f2bc38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Not by default\u2014freight forwarder&#8217;s liability is a separate type of insurance. If you carry out both transport and freight forwarding activities, the coverage can be combined, but this must be clearly stated in the policy. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2107\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2107\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Within what timeframe must the incident be reported? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2107\" class=\"elementor-element elementor-element-5ecea9d8 e-con-full e-flex e-con e-child\" data-id=\"5ecea9d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69a7b527 elementor-widget elementor-widget-text-editor\" data-id=\"69a7b527\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Deadlines vary by insurer, but typically the incident must be reported in writing within a few working days of becoming aware of it. You can find the exact deadline in your policy terms and conditions; missing it may result in a reduced payout or a refusal to pay the claim. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is CMR insurance mandatory?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The requirement under the Road Transport Code was abolished in 2002, making this a voluntary type of insurance. However, in practice, clients and freight forwarders themselves require a copy of a valid insurance certificate\\u2014without it, you often simply will not get the order.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between CMR insurance and cargo insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CMR insurance covers your liability as a carrier: a payout is made only when the carrier is liable for the damage, and it does not exceed the limit established by the convention. Cargo insurance covers the cargo itself for the benefit of its owner\\u2014the actual value is compensated regardless of who is at fault.\"}},{\"@type\":\"Question\",\"name\":\"What does 8.33 SDR per kilogram mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Article 23 of the CMR Convention limits compensation to 8.33 units of account per kilogram of gross weight missing. The SDR exchange rate is determined by the International Monetary Fund; with the rate hovering around \\u20ac1.20, the limit amounts to approximately \\u20ac10 per kilogram. Gross weight is calculated inclusive of packaging.\"}},{\"@type\":\"Question\",\"name\":\"Does the ban apply to cabotage operations?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but the limit is important. In some countries\\u2014such as Germany, France, and Belgium\\u2014the national liability limit is 40 SDR per kilogram, almost five times higher than under the convention. A standard policy may limit liability to 8.33 SDR, so a separate extension is required.\"}},{\"@type\":\"Question\",\"name\":\"What is gross negligence and why is it important?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is a condition on the basis of which insurers usually refuse to pay a benefit. It is not included in standard coverage, but many insurers offer Gross Negligence coverage for an additional premium. This is one of the most important questions when comparing offers.\"}},{\"@type\":\"Question\",\"name\":\"Does the coverage apply when I act as a second carrier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not automatically. If you take over loads from another carrier or engage sub-carriers yourself, you must indicate this in the questionnaire. Some insurers restrict this activity or assess it separately.\"}},{\"@type\":\"Question\",\"name\":\"Does CMR insurance cover freight forwarding activities?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not by default\\u2014freight forwarder&#8217;s liability is a separate type of insurance. If you carry out both transport and freight forwarding activities, the coverage can be combined, but this must be clearly stated in the policy.\"}},{\"@type\":\"Question\",\"name\":\"Within what timeframe must the incident be reported?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Deadlines vary by insurer, but typically the incident must be reported in writing within a few working days of becoming aware of it. You can find the exact deadline in your policy terms and conditions; missing it may result in a reduced payout or a refusal to pay the claim.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c47cd9c e-con-full e-flex e-con e-parent\" data-id=\"4c47cd9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-72a580b0 e-flex e-con-boxed e-con e-child\" data-id=\"72a580b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61ef2c65 elementor-widget elementor-widget-heading\" data-id=\"61ef2c65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related insurance products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5453a3c2 elementor-widget elementor-widget-text-editor\" data-id=\"5453a3c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CMR covers your liability within the limits established by the convention. These products cover what falls outside its scope. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a63f2 e-con-full e-flex e-con e-child\" data-id=\"3a63f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25bb4425 e-con-full e-flex e-con e-child\" data-id=\"25bb4425\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8562113 elementor-widget elementor-widget-heading\" data-id=\"8562113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cargo insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7c6d7d elementor-widget elementor-widget-text-editor\" data-id=\"e7c6d7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Compensates for the actual value of the cargo, regardless of fault.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e542224 e-con-full e-flex e-con e-child\" data-id=\"7e542224\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15e78c76 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"15e78c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/annual-cargo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46e4f69 e-con-full e-flex e-con e-child\" data-id=\"46e4f69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5381cba7 elementor-widget elementor-widget-heading\" data-id=\"5381cba7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Corporate vehicle insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75e9859b elementor-widget elementor-widget-text-editor\" data-id=\"75e9859b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Comprehensive (KASKO) and civil liability coverage for your tractor units and semi-trailers.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f3c248e e-con-full e-flex e-con e-child\" data-id=\"4f3c248e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70e8e251 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"70e8e251\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/motor-insurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66c1fb8f e-con-full e-flex e-con e-child\" data-id=\"66c1fb8f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d1368f6 elementor-widget elementor-widget-heading\" data-id=\"3d1368f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employer's civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-467d7dcb elementor-widget elementor-widget-text-editor\" data-id=\"467d7dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Injury to the health of a driver or other employee in the event of an accident<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-530740f7 e-con-full e-flex e-con e-child\" data-id=\"530740f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1580d8aa elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1580d8aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/employees\/employer-liability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c03d6b1 e-con-full e-flex e-con e-parent\" data-id=\"7c03d6b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-451d1bb3 e-flex e-con-boxed e-con e-child\" data-id=\"451d1bb3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-520c653f elementor-widget elementor-widget-heading\" data-id=\"520c653f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insure carrier liability.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7a4a elementor-widget elementor-widget-text-editor\" data-id=\"3aa7a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fill out the questionnaire to receive offers from Lithuania\u2019s leading insurers and compare not only prices but also terms and conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5f38aa elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"f5f38aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/cmr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f8f338 elementor-widget elementor-widget-text-editor\" data-id=\"65f8f338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>We store and use your data solely for the purpose of preparing a proposal.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Carrier&#8217;s civil liability (CMR) insurance CMR insurance indemnifies the customer against loss, damage or late delivery of your cargo due to the fault of the carrier. The protection is valid for international transports according to the CMR convention and for transports in Lithuania according to the Road Transport Code. Fill out the questionnaire Who is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":10188,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10229","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Carrier&#039;s civil liability (CMR) insurance | Man ramu draudimo platforma<\/title>\n<meta name=\"description\" content=\"CMR insurance indemnifies the customer against loss, damage or late delivery of your cargo due to the fault of the carrier. 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