{"id":2753,"date":"2025-04-30T13:14:34","date_gmt":"2025-04-30T10:14:34","guid":{"rendered":"https:\/\/manramu.lt\/balcia-insurance\/"},"modified":"2026-09-27T18:55:58","modified_gmt":"2026-09-27T15:55:58","slug":"balcia-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/balcia-insurance\/","title":{"rendered":"Balcia insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2753\" class=\"elementor elementor-2753 elementor-1884\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69ebfa60 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"69ebfa60\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21ed3e13\" data-id=\"21ed3e13\" data-element_type=\"column\" data-e-type=\"column\">\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-676d27f8 elementor-widget__width-auto elementor-absolute e-transform elementor-widget elementor-widget-image\" data-id=\"676d27f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-138,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one.png\" class=\"attachment-large size-large wp-image-4979\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one.png 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-300x286.png 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-24x24.png 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-36x34.png 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-48x46.png 48w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\t\t\t\t\t\t\t\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-154624f4 elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"154624f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one.png\" class=\"attachment-large size-large wp-image-4979\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one.png 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-300x286.png 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-24x24.png 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-36x34.png 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/bubble-one-48x46.png 48w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4b757475 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b757475\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7209292f\" data-id=\"7209292f\" data-element_type=\"column\" data-e-type=\"column\">\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-120f74d4 elementor-widget elementor-widget-heading\" data-id=\"120f74d4\" 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\">Balcia insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb6f24b elementor-widget elementor-widget-text-editor\" data-id=\"7cb6f24b\" 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>Balcia<\/strong> (Balcia Insurance SE Lithuanian Branch) is a digital insurance company with Latvian roots that has been operating in Lithuania since 2017. Through &#8220;Man ramu,&#8221; you can compare and purchase Balcia\u2019s compulsory, Casco, and travel insurance online. <\/p><p>In the event of damage, contact Balcia directly for changes or termination of the contract &#8211; contact details are below.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-93e78eb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93e78eb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-52677592\" data-id=\"52677592\" 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-3c8cd6df elementor-widget elementor-widget-image\" data-id=\"3c8cd6df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"102\" height=\"44\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Balcia-logo-1.svg\" class=\"attachment-large size-large wp-image-10655\" alt=\"\" \/>\t\t\t\t\t\t\t\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-29c12998 elementor-widget elementor-widget-heading\" data-id=\"29c12998\" 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<h5 class=\"elementor-heading-title elementor-size-default\">Balcia Insurance SE Lithuanian branch<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27307a6a elementor-widget elementor-widget-text-editor\" data-id=\"27307a6a\" 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=\"p-address\">Ukmerg\u0117s st.126, LT-08100, Vilnius<\/div><div class=\"p-phone\">Tel: <span style=\"color: #4e5f6e\">19001, +370 5 2 119 119<\/span><\/div><div class=\"p-email\">Email:<span style=\"color: #00a3b4\"><a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:info@balcia.lt\"> <span class=\"app-inline-link type--default\" tabindex=\"0\">info@balcia.lt<\/span><\/a><br \/><\/span> <\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\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<div class=\"elementor-element elementor-element-6ac8142 mr-grouped-content-card-grid e-flex e-con-boxed e-con e-parent\" data-id=\"6ac8142\" data-element_type=\"container\" data-e-type=\"container\" id=\"zalos\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-219a6f1d e-flex e-con-boxed e-con e-child\" data-id=\"219a6f1d\" 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-47833821 elementor-widget elementor-widget-heading\" data-id=\"47833821\" 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\">In the event of damage, contact Balcia directly.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ab42f2 elementor-widget elementor-widget-text-editor\" data-id=\"44ab42f2\" 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>Balcia registers, assesses, and settles claims. You can submit a claim report via the Balcia app or the <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/www.balcia.lt\">balcia.lt<\/a> website \u2013 no login is required. <\/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<div class=\"elementor-element elementor-element-1ee9e49d e-grid mr-content-subsection-grid e-con-boxed e-con e-child\" data-id=\"1ee9e49d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-37021ef3 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"37021ef3\" 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-780cf952 elementor-widget elementor-widget-heading\" data-id=\"780cf952\" 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\">Vehicle damage (compulsory and Casco)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f22afca elementor-widget elementor-widget-text-editor\" data-id=\"1f22afca\" 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>Submit a report via the app or website, select the type of vehicle damage, and upload photos. You can also call <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a> (from abroad: <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:+37052119119\">+370 5 211 9119<\/a>) or email <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:zalos@balcia.lt\">zalos@balcia.lt<\/a>. <\/p><p>Under Balcia Casco rules, an incident must be reported within 5 working days, and a theft within 1 working day.<\/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-7845dc88 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7845dc88\" 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:\/\/www.balcia.lt\">\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\">Report a claim<\/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<div class=\"elementor-element elementor-element-321ec56d e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"321ec56d\" 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-324541f7 elementor-widget elementor-widget-heading\" data-id=\"324541f7\" 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\">Travel-related damage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-679b84d3 elementor-widget elementor-widget-text-editor\" data-id=\"679b84d3\" 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>Report a travel incident by filling out the form at <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/www.balcia.lt\">balcia.lt<\/a>, calling <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a> (or <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:+37052119119\">+370 5 211 9119<\/a> from abroad), or emailing <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:zalos@balcia.lt\">zalos@balcia.lt<\/a>. <\/p><p>The contact details of the assistance partner are specified in your travel insurance policy.<\/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-356ff448 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"356ff448\" 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:\/\/www.balcia.lt\">\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\">Report travel damage<\/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<div class=\"elementor-element elementor-element-36e228e3 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"36e228e3\" 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-6fe42ee7 elementor-widget elementor-widget-heading\" data-id=\"6fe42ee7\" 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\">Amendment and Termination of the Agreement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5064514d elementor-widget elementor-widget-text-editor\" data-id=\"5064514d\" 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>You can modify the contract details or terminate the contract only through Balcia: <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:info@balcia.lt\">info@balcia.lt<\/a>, <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a>.<\/p><p>In the Balcia app, you will see all your policies, insurance terms, and premium payments.<\/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-2d25880c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2d25880c\" 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=\"mailto:info@balcia.lt\">\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\">Write to Balcia<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3aea10 e-flex e-con-boxed e-con e-child\" data-id=\"c3aea10\" 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-2c95ffa6 elementor-widget elementor-widget-text-editor\" data-id=\"2c95ffa6\" 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>&#8220;Man ramu&#8221; helps you compare and purchase a Balcia policy. If any issues arise regarding a policy purchased through &#8220;Man ramu,&#8221; please contact us. <\/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-20e5fb26 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"20e5fb26\" 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=\"mailto:info@manramu.lt?subject=Balcia%20polisas\">\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\">Write to \u201eMan ramu\u201c<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66664a48 mr-grouped-content-card-grid e-flex e-con-boxed e-con e-parent\" data-id=\"66664a48\" data-element_type=\"container\" data-e-type=\"container\" id=\"produktai\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c17aeb4 e-flex e-con-boxed e-con e-child\" data-id=\"6c17aeb4\" 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-c62e851 elementor-widget elementor-widget-heading\" data-id=\"c62e851\" 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\">Balcia Insurance via \"Man ramu\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59fda753 elementor-widget elementor-widget-text-editor\" data-id=\"59fda753\" 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>You can compare these Balcia insurance products with offers from other &#8220;Man ramu&#8221; partners and purchase them online.<\/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<div class=\"elementor-element elementor-element-419898e1 e-grid mr-content-subsection-grid e-con-boxed e-con e-child\" data-id=\"419898e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-379beca6 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"379beca6\" 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-4518f0e5 elementor-widget elementor-widget-heading\" data-id=\"4518f0e5\" 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\">Compulsory MTPL insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38006fd5 elementor-widget elementor-widget-text-editor\" data-id=\"38006fd5\" 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>Compare the price of Balcia compulsory insurance with other insurers and purchase a policy online.<\/p><p>The policy is valid throughout the EEA and Green Card countries. In more detail &#8211;<a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/en\/compulsory-mtpl-insurance\/\"> compulsory insurance.<\/a> <\/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-6a810bd2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6a810bd2\" 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:\/\/app.manramu.lt\/motor\/?lng=en\">\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\">Calculate the mandatory insurance<\/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<div class=\"elementor-element elementor-element-21dab34e e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"21dab34e\" 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-2153a57c elementor-widget elementor-widget-heading\" data-id=\"2153a57c\" 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\">Casco insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30235d8a elementor-widget elementor-widget-text-editor\" data-id=\"30235d8a\" 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>Balcia\u2019s Casco terms provide for a replacement vehicle for the entire duration of repairs in Lithuania, repairs at a service center of your choice, and a zero deductible in the event of a collision with an animal.<\/p><p>Read more \u2013 <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/en\/casco-insurance\/\">Casco insurance<\/a>.<\/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-8a2b9c5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8a2b9c5\" 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:\/\/app.manramu.lt\/casco\/?lng=en\">\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\">Calculate Casco insurance cost<\/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<div class=\"elementor-element elementor-element-df8a6f1 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"df8a6f1\" 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-4ef8e607 elementor-widget elementor-widget-heading\" data-id=\"4ef8e607\" 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\">Travel insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5a463f elementor-widget elementor-widget-text-editor\" data-id=\"1c5a463f\" 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>Medical expenses abroad are always included.<\/p><p>You can also add travel <strong>liability<\/strong>, personal accident, and baggage insurance. Read more under <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/en\/travel-insurance\/\">travel insurance<\/a>. <\/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-17a2b66a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"17a2b66a\" 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:\/\/app.manramu.lt\/travel\/?lng=en\">\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\">Calculate travel insurance<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70629088 mr-grouped-content-card-grid e-flex e-con-boxed e-con e-parent\" data-id=\"70629088\" data-element_type=\"container\" data-e-type=\"container\" id=\"kasko\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7c7cf4e e-flex e-con-boxed e-con e-child\" data-id=\"7c7cf4e\" 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-3e4966d elementor-widget elementor-widget-heading\" data-id=\"3e4966d\" 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\">Balcia Comprehensive Insurance: key terms and conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ca7594 elementor-widget elementor-widget-text-editor\" data-id=\"4ca7594\" 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>In accordance with Balcia vehicle insurance terms and conditions No. LT-002.05 (effective from 2026-05-01). You can find a comparison with other insurers on the <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/en\/casco-insurance\/\">Casco insurance<\/a> page.  <\/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<div class=\"elementor-element elementor-element-7058ed3 e-grid mr-content-subsection-grid e-con-boxed e-con e-child\" data-id=\"7058ed3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52566265 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"52566265\" 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-73c5601b elementor-widget elementor-widget-heading\" data-id=\"73c5601b\" 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\">When does the deduction not apply?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-157dbb63 elementor-widget elementor-widget-text-editor\" data-id=\"157dbb63\" 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>In the event of a collision with an animal, loss or theft of keys, paintless bodywork repair, or glass replacement at a Balcia-designated service center, as well as when the damage was caused by another person.<\/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-6efbb28e e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"6efbb28e\" 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-480462c8 elementor-widget elementor-widget-heading\" data-id=\"480462c8\" 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\">Repairs and replacement car<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e327aa9 elementor-widget elementor-widget-text-editor\" data-id=\"4e327aa9\" 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 vehicle can be repaired at a service center of your choice, including an authorized dealership. No depreciation is applied to parts for vehicles up to 5 years old. <\/p><p>Replacement vehicle \u2013 for the entire duration of repairs in Lithuania; up to 30 days if abroad or in the event of theft.<\/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-3b333db3 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"3b333db3\" 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-2daa4bcc elementor-widget elementor-widget-heading\" data-id=\"2daa4bcc\" 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\">Exceptional protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27a53aea elementor-widget elementor-widget-text-editor\" data-id=\"27a53aea\" 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>Tire and rim damage, hydrolock, fuel misfuelling, damage at a car wash or service center.<\/p><p>If the car&#8217;s market value is lower than the outstanding lease balance, the difference is also covered.<\/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<div class=\"elementor-element elementor-element-18986bd3 e-flex e-con-boxed e-con e-child\" data-id=\"18986bd3\" 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-394b85e elementor-widget elementor-widget-text-editor\" data-id=\"394b85e\" 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 exact terms depend on the selected option and are specified in the offer and the insurance certificate.<\/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-edbc264 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"edbc264\" 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:\/\/app.manramu.lt\/casco\/?lng=en\">\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\">Calculate Balcia Casco price<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f677fa3 mr-grouped-content-card-grid e-flex e-con-boxed e-con e-parent\" data-id=\"3f677fa3\" data-element_type=\"container\" data-e-type=\"container\" id=\"dokumentai\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51f2d7b4 e-flex e-con-boxed e-con e-child\" data-id=\"51f2d7b4\" 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-799595ae elementor-widget elementor-widget-heading\" data-id=\"799595ae\" 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\">Balcia insurance documents<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7aa9a72c elementor-widget elementor-widget-text-editor\" data-id=\"7aa9a72c\" 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>Balcia insurance terms and information documents, grouped by product. Please review the terms and policy conditions before concluding a contract. <\/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<div class=\"elementor-element elementor-element-df77900 e-grid mr-content-subsection-grid e-con-boxed e-con e-child\" data-id=\"df77900\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-71676ff7 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"71676ff7\" 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-ee7ad4f elementor-widget elementor-widget-heading\" data-id=\"ee7ad4f\" 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\">Compulsory MTPL insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6256dd81 elementor-widget elementor-widget-text-editor\" data-id=\"6256dd81\" 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 class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-MTPL-IPID-mtpl-ipid-lt-66f3be713a2f4.pdf\">Mandatory insurance information document<\/a><\/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-121599b5 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"121599b5\" 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-2cd494aa elementor-widget elementor-widget-heading\" data-id=\"2cd494aa\" 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\">Casco insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fe05c0e elementor-widget elementor-widget-text-editor\" data-id=\"1fe05c0e\" 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 class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/05\/Balcia-Casco-TC-LT-vehicle-casco-lt-lt-002-05-69f3c20089419.pdf\">Vehicle insurance rules no. LT-002.05 (from 05\/01\/2026) <\/a><\/p><p><a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/08\/Balcia-kasko-produkto-informacinis-dokumentas-lt-002-03-6718b8bb2fcf9.pdf\">Casco insurance information document<\/a><\/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-60adf3a2 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"60adf3a2\" 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-70f1c78d elementor-widget elementor-widget-heading\" data-id=\"70f1c78d\" 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\">Travel insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28536387 elementor-widget elementor-widget-text-editor\" data-id=\"28536387\" 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 class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-kelioniu-draudimo-taisykles-lt-003-03-20231006-lt-66f3edbf051dd.pdf\">Travel insurance terms and conditions<\/a><\/p><p><a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-blt-2023-1-travel-20231006-ipid-lt-66f3edb654d02.pdf\">Travel Insurance Information Document<\/a><\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29938b37 mr-grouped-content-card-grid e-flex e-con-boxed e-con e-parent\" data-id=\"29938b37\" data-element_type=\"container\" data-e-type=\"container\" id=\"apie\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2bf60944 e-flex e-con-boxed e-con e-child\" data-id=\"2bf60944\" 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-27645f86 elementor-widget elementor-widget-heading\" data-id=\"27645f86\" 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\">About Balcia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6498c8b7 elementor-widget elementor-widget-text-editor\" data-id=\"6498c8b7\" 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>Balcia operates in Lithuania through the Balcia Insurance SE Lithuanian branch. It is a digital insurance company with services focused on a mobile app and online policy purchasing. <\/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<div class=\"elementor-element elementor-element-36ad6d0b e-grid mr-content-subsection-grid e-con-boxed e-con e-child\" data-id=\"36ad6d0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4e425892 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"4e425892\" 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-611e89ce elementor-widget elementor-widget-heading\" data-id=\"611e89ce\" 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\">Company Details<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab19e44 elementor-widget elementor-widget-text-editor\" data-id=\"ab19e44\" 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>Balcia Insurance SE Lithuanian branch<\/p><p>Ukmerg\u0117s st. 126, LT-08100 Vilnius <\/p><p>Tel. <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a>, from abroad  <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:+37052119119\">+370 5 211 9119<\/a><\/p><p>Email: <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:info@balcia.lt\">info@balcia.lt<\/a> <\/p><p><a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/www.balcia.lt\">www.balcia.lt<\/a><\/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-2333da9 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"2333da9\" 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-11b43825 elementor-widget elementor-widget-heading\" data-id=\"11b43825\" 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\">Operations in Lithuania<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e64bc0 elementor-widget elementor-widget-text-editor\" data-id=\"45e64bc0\" 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 Lithuanian branch was established in 2017. Balcia offers compulsory insurance, Casco, home, travel, health, and other types of non-life insurance. <\/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-64ea1320 e-con-full mr-content-subsection-card e-flex e-con e-child\" data-id=\"64ea1320\" 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-44365ac2 elementor-widget elementor-widget-heading\" data-id=\"44365ac2\" 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\">Balcia app<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8c392f elementor-widget elementor-widget-text-editor\" data-id=\"4c8c392f\" 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>All policies are stored in the app, insurance terms and premiums are visible, claims can be registered, contracts can be purchased or canceled, and loyalty points can be collected.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ab0a193 mr-faq-group e-flex e-con-boxed e-con e-parent\" data-id=\"5ab0a193\" 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-14c205ac elementor-widget elementor-widget-heading\" data-id=\"14c205ac\" 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 about Balcia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5574d268 elementor-widget elementor-widget-text-editor\" data-id=\"5574d268\" 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\tInformation updated in September 2026. Exact terms are specified in the Balcia insurance rules and your policy terms.  \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-4373e7c elementor-widget elementor-widget-n-accordion\" data-id=\"4373e7c\" 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-7070\" 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-7070\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How do I report a claim to Balcia? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7070\" class=\"elementor-element elementor-element-1cab6551 e-con-full e-flex e-con e-child\" data-id=\"1cab6551\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f4381a6 elementor-widget elementor-widget-text-editor\" data-id=\"2f4381a6\" 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\"><p>Fill out a claim report in the Balcia app or on the <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"https:\/\/www.balcia.lt\">balcia.lt<\/a> website \u2013 no login is required. Select the type of claim, fill out the form, and submit photos. <\/p><p>You can also call <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a> (from abroad: <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:+37052119119\">+370 5 211 9119<\/a>) or write to <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:zalos@balcia.lt\">zalos@balcia.lt<\/a>.<\/p><\/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-7071\" 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-7071\" >\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 Balcia be notified of a Casco incident? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7071\" class=\"elementor-element elementor-element-640e7504 e-con-full e-flex e-con e-child\" data-id=\"640e7504\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69e88caf elementor-widget elementor-widget-text-editor\" data-id=\"69e88caf\" 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\"><p>Under Balcia Casco rules, this must be done within 5 working days, or within 1 working day in the event of theft. Theft, vandalism, or a traffic accident involving injuries must also be reported to the police. <\/p><\/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-7072\" 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-7072\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Do I need to provide photos of the car for Balcia Casco? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7072\" class=\"elementor-element elementor-element-eecdb1c e-con-full e-flex e-con e-child\" data-id=\"eecdb1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-775fa022 elementor-widget elementor-widget-text-editor\" data-id=\"775fa022\" 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\"><p>Yes, if Balcia requests them when the contract is being concluded. If the photos are not provided, a higher deductible may apply in the event of a loss. <\/p><\/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-7073\" 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-7073\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does Balcia Casco insurance allow for car repairs at an authorized dealership? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7073\" class=\"elementor-element elementor-element-1e47fa3 e-con-full e-flex e-con e-child\" data-id=\"1e47fa3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-577272b4 elementor-widget elementor-widget-text-editor\" data-id=\"577272b4\" 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\"><p>Yes. The Balcia Casco terms and conditions allow for the vehicle to be repaired at a repair shop of your choice, including an authorized dealership. In such cases, the payout may be limited to the insurer&#8217;s cost estimate.  <\/p><\/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-7074\" 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-7074\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does Balcia Casco calculate depreciation for parts? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7074\" class=\"elementor-element elementor-element-608db386 e-con-full e-flex e-con e-child\" data-id=\"608db386\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a0c0dd5 elementor-widget elementor-widget-text-editor\" data-id=\"6a0c0dd5\" 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\"><p>No depreciation on parts is calculated for vehicles up to 5 years old. For older vehicles, depreciation is applied in accordance with the procedure established in the rules. <\/p><\/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-7075\" 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-7075\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does Balcia Casco cover the leasing gap? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7075\" class=\"elementor-element elementor-element-16ef03a1 e-con-full e-flex e-con e-child\" data-id=\"16ef03a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eb9fb8a elementor-widget elementor-widget-text-editor\" data-id=\"1eb9fb8a\" 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\"><p>Yes. In the event of theft or total loss, if the car&#8217;s market value is lower than the outstanding lease balance, Balcia\u2019s terms also cover this difference. <\/p><\/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-7076\" 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-7076\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does Balcia travel insurance cover civil liability? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7076\" class=\"elementor-element elementor-element-295c01f1 e-con-full e-flex e-con e-child\" data-id=\"295c01f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28cfed06 elementor-widget elementor-widget-text-editor\" data-id=\"28cfed06\" 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\"><p>Medical expenses are always included, and you can add travel civil liability insurance as an optional extra. It covers damages you accidentally cause to another person&#8217;s health or property while abroad. <\/p><\/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-7077\" 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-7077\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How do I cancel or modify a Balcia policy purchased through \"Man ramu\"? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7077\" class=\"elementor-element elementor-element-613fd116 e-con-full e-flex e-con e-child\" data-id=\"613fd116\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dab9309 elementor-widget elementor-widget-text-editor\" data-id=\"4dab9309\" 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\"><p>Contract amendments and terminations are administered by Balcia, so please contact them directly at <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"mailto:info@balcia.lt\">info@balcia.lt<\/a> or <a class=\"hover-email\" style=\"color: #00a3b4\" href=\"tel:19001\">19001<\/a>.<\/p><p>Upon termination of the contract, the unused portion of the premium is refunded in accordance with the insurance rules.<\/p><\/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-7078\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7078\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How quickly will I receive the Balcia policy purchased through \"Man ramu\"? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7078\" class=\"elementor-element elementor-element-52926999 e-con-full e-flex e-con e-child\" data-id=\"52926999\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fe88e4 elementor-widget elementor-widget-text-editor\" data-id=\"9fe88e4\" 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\"><p>The policy is sent via email immediately after payment. <\/p><\/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-7079\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7079\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I compare Balcia's offer with those of other insurers? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7079\" class=\"elementor-element elementor-element-6606af38 e-con-full e-flex e-con e-child\" data-id=\"6606af38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6200c67c elementor-widget elementor-widget-text-editor\" data-id=\"6200c67c\" 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\"><p>Yes. In the \u201cMan ramu\u201d calculators, you will see the Balcia offer alongside offers from other partners\u2014such as BTA, Compensa, ERGO, Lietuvos draudimas, and others. <\/p><\/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\":\"How do I report a claim to Balcia?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fill out a claim report in the Balcia app or on the balcia.lt website \\u2013 no login is required. Select the type of claim, fill out the form, and submit photos. You can also call 19001 (from abroad: +370 5 211 9119) or write to zalos@balcia.lt.\"}},{\"@type\":\"Question\",\"name\":\"Within what timeframe must Balcia be notified of a Casco incident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Under Balcia Casco rules, this must be done within 5 working days, or within 1 working day in the event of theft. Theft, vandalism, or a traffic accident involving injuries must also be reported to the police.\"}},{\"@type\":\"Question\",\"name\":\"Do I need to provide photos of the car for Balcia Casco?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, if Balcia requests them when the contract is being concluded. If the photos are not provided, a higher deductible may apply in the event of a loss.\"}},{\"@type\":\"Question\",\"name\":\"Does Balcia Casco insurance allow for car repairs at an authorized dealership?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The Balcia Casco terms and conditions allow for the vehicle to be repaired at a repair shop of your choice, including an authorized dealership. In such cases, the payout may be limited to the insurer&#8217;s cost estimate.\"}},{\"@type\":\"Question\",\"name\":\"Does Balcia Casco calculate depreciation for parts?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No depreciation on parts is calculated for vehicles up to 5 years old. For older vehicles, depreciation is applied in accordance with the procedure established in the rules.\"}},{\"@type\":\"Question\",\"name\":\"Does Balcia Casco cover the leasing gap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. In the event of theft or total loss, if the car&#8217;s market value is lower than the outstanding lease balance, Balcia\\u2019s terms also cover this difference.\"}},{\"@type\":\"Question\",\"name\":\"Does Balcia travel insurance cover civil liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Medical expenses are always included, and you can add travel civil liability insurance as an optional extra. It covers damages you accidentally cause to another person&#8217;s health or property while abroad.\"}},{\"@type\":\"Question\",\"name\":\"How do I cancel or modify a Balcia policy purchased through \\\"Man ramu\\\"?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contract amendments and terminations are administered by Balcia, so please contact them directly at info@balcia.lt or 19001.Upon termination of the contract, the unused portion of the premium is refunded in accordance with the insurance rules.\"}},{\"@type\":\"Question\",\"name\":\"How quickly will I receive the Balcia policy purchased through \\\"Man ramu\\\"?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The policy is sent via email immediately after payment.\"}},{\"@type\":\"Question\",\"name\":\"Can I compare Balcia's offer with those of other insurers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. In the \\u201cMan ramu\\u201d calculators, you will see the Balcia offer alongside offers from other partners\\u2014such as BTA, Compensa, ERGO, Lietuvos draudimas, and others.\"}}]}<\/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<div class=\"elementor-element elementor-element-365881e1 mr-object-page-final-choice e-flex e-con-boxed e-con e-parent\" data-id=\"365881e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e917412 elementor-widget elementor-widget-heading\" data-id=\"7e917412\" 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\">Compare Balcia's offer with other insurers.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e68883 elementor-widget elementor-widget-text-editor\" data-id=\"44e68883\" 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>Enter your details, and the calculator will display offers from Balcia and other &#8220;Man ramu&#8221; partners in one place.<\/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-1ecc7bde e-grid e-con-full e-con e-child\" data-id=\"1ecc7bde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-41c99d31 e-con-full e-flex e-con e-child\" data-id=\"41c99d31\" 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-33e66253 elementor-widget elementor-widget-heading\" data-id=\"33e66253\" 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\">For the car<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50aa753f elementor-widget elementor-widget-text-editor\" data-id=\"50aa753f\" 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>Mandatory and Casco insurance \u2013 compare prices and terms.<\/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-6f892dbc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6f892dbc\" 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:\/\/app.manramu.lt\/motor\/?lng=en\">\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\">Calculate the mandatory amount<\/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<div class=\"elementor-element elementor-element-298af457 e-con-full e-flex e-con e-child\" data-id=\"298af457\" 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-5f92cdbe elementor-widget elementor-widget-heading\" data-id=\"5f92cdbe\" 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\">For travel<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bcb1e0e elementor-widget elementor-widget-text-editor\" data-id=\"5bcb1e0e\" 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>Medical expenses are always included; civil liability, accidents, and baggage are covered additionally.<\/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-51fee4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"51fee4\" 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:\/\/app.manramu.lt\/travel\/?lng=en\">\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\">Calculate travel insurance<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f295b5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f295b5d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-57dc1ab1\" data-id=\"57dc1ab1\" data-element_type=\"column\" data-e-type=\"column\">\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-1beb8cef elementor-widget elementor-widget-heading\" data-id=\"1beb8cef\" 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\">\"Man ramu\" partners<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1611c52b elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"1611c52b\" 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_1611c52b {\n  display: grid;\n}\n#uc_logo_grid_elementor_1611c52b .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_1611c52b 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_1611c52b 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_1611c52b 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_1611c52b\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;balcia-insurance&#x2F;\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Balcia-logo.svg\" alt=\"Balcia-logo\" width=\"167\" height=\"58\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;ergo-insurance&#x2F;\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/ERGO-logo.svg\" alt=\"ERGO-logo\" width=\"167\" height=\"58\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;compensa-insurance&#x2F;\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Compensa-logo.svg\" title=\"Compensa\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Compensa-logo.svg\" alt=\"Compensa-logo\" width=\"142\" height=\"38\">\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<div class=\"elementor-element elementor-element-11f5b8e3 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"11f5b8e3\" 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_11f5b8e3 {\n  display: grid;\n}\n#uc_logo_grid_elementor_11f5b8e3 .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_11f5b8e3 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_11f5b8e3 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_11f5b8e3 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_11f5b8e3\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;bunda-insurance&#x2F;\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Bunda.svg\" title=\"BUNDA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Bunda.svg\" alt=\"Bunda\" 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&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;bta-insurance&#x2F;\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/BTA-logo-1.svg\" title=\"BTA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/BTA-logo-1.svg\" alt=\"BTA-logo\" width=\"167\" height=\"58\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https&#x3A;&#x2F;&#x2F;manramu.lt&#x2F;en&#x2F;lietuvos-draudimas&#x2F;\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/LietuvosDraudimas-logo.svg\" title=\"Lietuvos draudimas\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/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","protected":false},"excerpt":{"rendered":"<p>Balcia insurance Balcia (Balcia Insurance SE Lithuanian Branch) is a digital insurance company with Latvian roots that has been operating in Lithuania since 2017. Through &#8220;Man ramu,&#8221; you can compare and purchase Balcia\u2019s compulsory, Casco, and travel insurance online. In the event of damage, contact Balcia directly for changes or termination of the contract &#8211; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4654,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2753","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Balcia insurance | Man ramu insurance platform<\/title>\n<meta name=\"description\" content=\"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user&#039;s lifestyle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/manramu.lt\/en\/balcia-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Balcia insurance | Man ramu insurance platform\" \/>\n<meta property=\"og:description\" content=\"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user&#039;s lifestyle.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/manramu.lt\/en\/balcia-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Man ramu draudimo platforma\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-27T15:55:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/balcia-draudimas-manramu.lt_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/\",\"name\":\"Balcia insurance | Man ramu insurance platform\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/balcia-draudimas-manramu.lt_.png\",\"datePublished\":\"2025-04-30T10:14:34+00:00\",\"dateModified\":\"2026-09-27T15:55:58+00:00\",\"description\":\"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user's lifestyle.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/balcia-draudimas-manramu.lt_.png\",\"contentUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/balcia-draudimas-manramu.lt_.png\",\"width\":300,\"height\":300,\"caption\":\"balcia draudimas manramu.lt\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/balcia-insurance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/manramu.lt\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Balcia insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/\",\"name\":\"Man ramu draudimo platforma\",\"description\":\"Insurance Platform\",\"publisher\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#organization\"},\"alternateName\":\"Man ramu\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/manramu.lt\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#organization\",\"name\":\"Man ramu draudimo platforma\",\"alternateName\":\"Man ramu\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Man-ramu-draudimas-internetu-platforma.webp\",\"contentUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Man-ramu-draudimas-internetu-platforma.webp\",\"width\":728,\"height\":728,\"caption\":\"Man ramu draudimo platforma\"},\"image\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/manramu.lt?locale=lt_LT\",\"https:\\\/\\\/www.instagram.com\\\/manramu.lt\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/manramu\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Balcia insurance | Man ramu insurance platform","description":"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user's lifestyle.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/manramu.lt\/en\/balcia-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Balcia insurance | Man ramu insurance platform","og_description":"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user's lifestyle.","og_url":"https:\/\/manramu.lt\/en\/balcia-insurance\/","og_site_name":"Man ramu draudimo platforma","article_publisher":"https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT","article_modified_time":"2026-09-27T15:55:58+00:00","og_image":[{"width":300,"height":300,"url":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/balcia-draudimas-manramu.lt_.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/","url":"https:\/\/manramu.lt\/en\/balcia-insurance\/","name":"Balcia insurance | Man ramu insurance platform","isPartOf":{"@id":"https:\/\/manramu.lt\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/#primaryimage"},"image":{"@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/balcia-draudimas-manramu.lt_.png","datePublished":"2025-04-30T10:14:34+00:00","dateModified":"2026-09-27T15:55:58+00:00","description":"Balcia insurance without worries: subscription-based, with a mobile app tailored to each user's lifestyle.","breadcrumb":{"@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/manramu.lt\/en\/balcia-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/#primaryimage","url":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/balcia-draudimas-manramu.lt_.png","contentUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/balcia-draudimas-manramu.lt_.png","width":300,"height":300,"caption":"balcia draudimas manramu.lt"},{"@type":"BreadcrumbList","@id":"https:\/\/manramu.lt\/en\/balcia-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/manramu.lt\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Balcia insurance"}]},{"@type":"WebSite","@id":"https:\/\/manramu.lt\/en\/#website","url":"https:\/\/manramu.lt\/en\/","name":"Man ramu draudimo platforma","description":"Insurance Platform","publisher":{"@id":"https:\/\/manramu.lt\/en\/#organization"},"alternateName":"Man ramu","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/manramu.lt\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/manramu.lt\/en\/#organization","name":"Man ramu draudimo platforma","alternateName":"Man ramu","url":"https:\/\/manramu.lt\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/manramu.lt\/en\/#\/schema\/logo\/image\/","url":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/Man-ramu-draudimas-internetu-platforma.webp","contentUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/Man-ramu-draudimas-internetu-platforma.webp","width":728,"height":728,"caption":"Man ramu draudimo platforma"},"image":{"@id":"https:\/\/manramu.lt\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT","https:\/\/www.instagram.com\/manramu.lt","https:\/\/www.linkedin.com\/company\/manramu"]}]}},"_links":{"self":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/pages\/2753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/comments?post=2753"}],"version-history":[{"count":4,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/pages\/2753\/revisions"}],"predecessor-version":[{"id":10657,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/pages\/2753\/revisions\/10657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/media\/4654"}],"wp:attachment":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/media?parent=2753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}