{"id":1411,"date":"2025-03-07T08:19:17","date_gmt":"2025-03-07T06:19:17","guid":{"rendered":"https:\/\/manramu.lt\/uncategorized\/should-i-rush-to-change-my-winter-tyres\/"},"modified":"2026-08-17T18:57:13","modified_gmt":"2026-08-17T15:57:13","slug":"should-i-rush-to-change-my-winter-tyres","status":"publish","type":"post","link":"https:\/\/manramu.lt\/en\/news\/should-i-rush-to-change-my-winter-tyres\/","title":{"rendered":"A tenth of drivers pay more than \u20ac150 a year for compulsory insurance: an expert explains what it depends on"},"content":{"rendered":"\t\t
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A tenth of drivers pay more than \u20ac150 a year for compulsory insurance: an expert explains what it depends on<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A survey by Spinter Research revealed that one in ten drivers pays more than 150 euros for an annual third-party liability insurance policy. An insurance expert says that the price of a policy depends on many factors, and it can sometimes vary almost twice as much between different insurance companies. <\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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According to the study, the largest share \u2013 more than a fifth or 26 percent \u2013 \u200b\u200bof those surveyed pay between 80 and 100 euros for an annual driver’s third party liability insurance policy. 22 percent of respondents said they pay up to 80 euros, and the same share spends 100-120 euros per year on an insurance policy. <\/span><\/p>

Approximately one in ten drivers pays 120-150 euros per year for their third-party liability insurance, another tenth pays more than one and a half hundred euros. The remaining 10 percent could not specify the exact amount. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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What determines the price of insurance? <\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Marius Jundulas, an insurance market expert and creator of the insurance platform “I’m Calm”, says that the price of insurance depends on many factors – the make and model of the car, the age of the policyholder, driving history, and even where and how the car will be operated. <\/span><\/p>

“The type of vehicle probably has the greatest impact on the price: passenger cars usually have a better risk price than trucks, and compulsory motorcycle insurance is usually cheaper than cars. The price of insurance is also changed by the weight of the vehicle, engine power, commercial use of the car, the driver’s age, experience, place of residence, history of previous losses, and many other, smaller parameters,” the expert says. <\/span>Jundulas emphasizes that due to a multitude of factors, the price of an insurance policy can vary significantly both for the same car – if it is driven by two different people or is used for different purposes – and for the same person who has changed vehicles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The cost of insurance may decrease<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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People often expect that the price of vehicle insurance should be similar across all insurance companies and are often surprised that the amount of risk assessed by insurers can vary significantly. <\/p>

“For example, a 36-year-old person has been driving a 2001 Kawasaki ZR 750 motorcycle in a big city for the past 5 years. The preliminary price offer for a 12-month insurance policy from five different insurance companies will range from 25.26 to 67.48 euros,” the expert provides a vivid example. <\/p>

According to him, this is because each insurance company not only collects and uses its own statistics on a daily basis to assess risk, but also follows its own risk assessment algorithms that are constantly being improved. <\/p>

“People often don’t think about it or simply don’t know that insurers must also assess price trends for vehicle spare parts or repair services and other factors for at least one year into the future so that constantly growing insurance payments do not become a burden,” the expert reveals the behind-the-scenes of the business. <\/p>

Jundulas also urges us to remember that due to economic laws, primarily inflation, the prices of absolutely all goods and services are constantly increasing. However, he emphasizes that there are situations when several favorable risk calculation parameters applied simultaneously to a specific driver can significantly reduce the price of the policy. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Features of motorcycle insurance<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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When talking about motorcycles, he also draws attention to another detail that many drivers don’t even think about. <\/span><\/p>

“Since motorcycles are a relatively seasonal means of transport in Lithuania, i.e., they are usually operated only during the warm season, the majority of their drivers buy insurance only for that half of the year. When the new season arrives, some of them simply forget about the insurance. In such a situation, if they get into a traffic accident, the costs can be much higher than purchasing insurance for the whole year,” advises the expert, adding that the price of half-year and full-year insurance often differs by only a few euros. <\/span><\/p>

He also reminds that motorcycle drivers should drive more carefully after winter, as they need to regain their somewhat forgotten driving skills and other road users need to adapt to the more intense motorcycle traffic on the road. According to the expert, a motorcyclist should always have three things in order: their vehicle, all the necessary documents and, most importantly, their head. <\/span><\/p>

“And not just because the helmet is properly placed on it. A motorcyclist must always adequately assess the travel conditions, safe speed, maneuvering, their visibility in relation to other road users, and never relax too much,” M. Jundulas wishes. <\/span><\/p>

A survey by the public opinion research company “Spinter Research” on the behavior of drivers when choosing compulsory third-party liability insurance was conducted on November 18-28, 2024, and 1,013 respondents aged 18 to 75 participated in it. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Palygink draudimo kainas per kelias minutes!<\/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

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\n\t\t\t\t\t\r\n\r\n\r\n\r\nAutomobilio numerio tikrinimas<\/title>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto+Flex:wght@500&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n :root{\r\n --sand-5:#FEF8EE; --salomon-100:#FF720B; --graphite-100:#2E3642;\r\n --white:#FFFFFF; --aquamarine-dark:#00A3B4; --aquamarine:#20BDC5; --placeholder:#959595;\r\n }\r\n\r\n .plate-wrapper{\r\n display:flex;\r\n justify-content:center;\r\n width:100%;\r\n }\r\n\r\n .plate-widget{\r\n font-family:'Roboto Flex', system-ui, sans-serif;\r\n display:flex; flex-direction:column; align-items:flex-start;\r\n padding:0 1px; gap:3px;\r\n width:466px; \/* 388px \u2192 +20% *\/\r\n height:114px;\r\n color:var(--graphite-100);\r\n}\r\n\r\n@media (max-width: 640px) {\r\n .plate-widget {\r\n width: 508px; \/* 423px \u2192 +20% *\/\r\n }\r\n}\r\n\r\n \/* Top message bubble *\/\r\n .plate-widget .plate-sender-row{\r\n display:flex;\r\n align-items:center;\r\n width: calc(100% - 50px); \/* 44px mygtukas + 6px tarpas *\/\r\n height:61px\r\n }\r\n \r\n .plate-widget .plate-sender-bubble{\r\n display:flex;align-items:center;\r\n padding:12px 16px;\r\n flex: 1;\r\n width: 100%;\r\n box-sizing: border-box;\r\n height:60px;\r\n background:var(--sand-5);\r\n border:1px solid var(--salomon-100);\r\n border-radius:10px 10px 10px 0\r\n }\r\n .plate-widget .plate-sender-text{font-weight:500;font-size:16px;line-height:18px}\r\n\r\n \/* Input row *\/\r\n .plate-widget .plate-input-row{\r\n display:flex;align-items:center;gap:6px;\r\n width:100%;height:50px;\r\n filter:drop-shadow(0px 4px 4px rgba(57,121,126,0.12));\r\n }\r\n\r\n .plate-widget .plate-input-bubble{\r\n display:flex;align-items:center;\r\n padding:0 12px 0 0;\r\n flex:1;height:50px;\r\n background:#fff;\r\n border:1px solid var(--aquamarine-dark);\r\n border-radius:10px 10px 10px 10px;\r\n overflow:hidden;\r\n maxlength=\"6\"\r\n }\r\n\r\n .plate-widget .plate-input::placeholder {\r\n color: var(--placeholder);\r\n font-size: 16px!important;\r\n font-weight: 400!important;\r\n }\r\n\r\n \/* LT + EU emblem *\/\r\n .plate-widget .plate-lt-image{\r\n height:100%; width:auto;\r\n flex:0 0 auto;\r\n border-radius:10px 10px 10px 10px;\r\n object-fit:cover;\r\n margin-left:-1px!important;\r\n }\r\n\r\n \/* Input *\/\r\n .plate-widget .plate-input{\r\n flex:1; border:none; outline:none; background:transparent;\r\n font-weight:500; font-size:18px; line-height:20px; color:var(--graphite-100);\r\n min-width:0; padding-left:8px;\r\n }\r\n .plate-widget .plate-input::placeholder{\r\n color:var(--placeholder);\r\n font-size:18px;\r\n }\r\n\r\n \/* Submit button *\/\r\n .plate-widget .plate-submit{\r\n width:44px;height:44px;\r\n border:none;border-radius:50%;\r\n background:var(--aquamarine);color:#fff;\r\n display:flex;align-items:center;justify-content:center;\r\n cursor:pointer;flex:0 0 44px;\r\n }\r\n .plate-widget .plate-submit:active{transform:translateY(1px)}\r\n\r\n .plate-widget .plate-submit img.custom-plate-arrow{\r\n transform: scale(2);\r\n transform-origin: center;\r\n display:block;\r\n }\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n <div class=\"plate-wrapper\">\r\n <div class=\"plate-widget\">\r\n <!-- Top bubble -->\r\n <div class=\"plate-sender-row\">\r\n <div class=\"plate-sender-bubble\">\r\n <div class=\"plate-sender-text\"> \u012evesk valstybin\u012f numer\u012f<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Input row -->\r\n <div class=\"plate-input-row\">\r\n <!-- Bubble with LT image + input -->\r\n <div class=\"plate-input-bubble\">\r\n <img decoding=\"async\" class=\"plate-lt-image\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/08\/c7e079490a85b30ee7aef88de38af6fb0b2d7502.png\" alt=\"LT EU emblem\" \/>\r\n <input class=\"plate-input\" id=\"plateInputField\" type=\"text\" placeholder=\"pvz. XXX000\" inputmode=\"latin\" autocomplete=\"off\" \/>\r\n <\/div>\r\n <!-- Submit button outside with PNG arrow -->\r\n <button class=\"plate-submit\" id=\"plateSubmitBtn\" aria-label=\"Tikrinti\">\r\n <img decoding=\"async\" class=\"custom-plate-arrow\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/08\/arrow.png\" alt=\"Si\u0173sti\">\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n<style>\r\n \/* Force uppercase display *\/\r\n .plate-input {\r\n text-transform: uppercase;\r\n }\r\n<\/style>\r\n\r\n<script>\r\n const plateSubmitBtn = document.getElementById('plateSubmitBtn');\r\n const plateInput = document.getElementById('plateInputField');\r\n\r\n \/\/ Make the input display uppercase instantly (optional if already in CSS)\r\n plateInput.style.textTransform = 'uppercase';\r\n\r\n function sanitizePlate(val) {\r\n \/\/ Uppercase, remove non-alphanumerics, cap at 6 total\r\n let v = val.toUpperCase().replace(\/[^A-Z0-9]\/g, '').slice(0, 6);\r\n\r\n \/\/ Enforce: max 5 letters overall (drop extra letters as user types)\r\n let letters = 0;\r\n let out = '';\r\n for (const ch of v) {\r\n if (\/[A-Z]\/.test(ch)) {\r\n if (letters < 5) {\r\n out += ch;\r\n letters++;\r\n }\r\n } else {\r\n out += ch;\r\n }\r\n if (out.length === 6) break;\r\n }\r\n return out;\r\n }\r\n\r\n function isValidPlate(val) {\r\n \/\/ If contains letters, must contain at least one digit\r\n const hasLetter = \/[A-Z]\/.test(val);\r\n const hasDigit = \/\\d\/.test(val);\r\n return !hasLetter || hasDigit; \/\/ valid if no letters OR has at least one digit\r\n }\r\n\r\n function generateLinkAndRedirect() {\r\n const plateNumber = sanitizePlate(plateInput.value).trim();\r\n plateInput.value = plateNumber; \/\/ keep field consistent with what we submit\r\n\r\n if (!plateNumber) {\r\n alert('Pra\u0161ome \u012fvesti valstybin\u012f numer\u012f!');\r\n return;\r\n }\r\n\r\n if (!isValidPlate(plateNumber)) {\r\n alert('Jei yra raid\u017ei\u0173, turi b\u016bti bent vienas skai\u010dius. Maks. 5 raid\u0117s, i\u0161 viso iki 6 simboli\u0173.');\r\n return;\r\n }\r\n\r\n const finalURL = `https:\/\/app.manramu.lt\/motor\/?plate=${encodeURIComponent(plateNumber)}`;\r\n window.location.href = finalURL;\r\n }\r\n\r\n plateSubmitBtn.addEventListener('click', generateLinkAndRedirect);\r\n\r\n \/\/ Handle \"Enter\" key\r\n plateInput.addEventListener('keypress', e => {\r\n if (e.key === 'Enter') {\r\n e.preventDefault();\r\n generateLinkAndRedirect();\r\n }\r\n });\r\n\r\n \/\/ Live sanitize while typing\/pasting\r\n plateInput.addEventListener('input', () => {\r\n plateInput.value = sanitizePlate(plateInput.value);\r\n });\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\r\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1863b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa1863b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.06889 10.0454L6.06889 10.0274C6.31385 10.0227 6.55202 10.1081 6.7382 10.2673C6.92438 10.4266 7.04562 10.6487 7.07889 10.8914L7.08789 11.0264V12.0104C7.08794 12.2724 6.98519 12.5239 6.80175 12.7109C6.6183 12.8979 6.3688 13.0054 6.10689 13.0104L5.10689 13.0284C4.86193 13.0331 4.62376 12.9478 4.43758 12.7885C4.2514 12.6292 4.13017 12.4071 4.09689 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13.5074V7.00745H16.9102\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Also read<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3859a0 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-global elementor-global-8491 elementor-global-8335 elementor-widget-loop-grid\" data-id=\"e3859a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"template_id":8326,"columns":1,"row_gap":{"unit":"px","size":11,"sizes":[]},"_skin":"post","columns_tablet":"2","columns_mobile":"1","edit_handle_selector":"[data-elementor-type=\\"loop-item\\"]","row_gap_tablet":{"unit":"px","size":"","sizes":[]},"row_gap_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-8326\">.elementor-8326 .elementor-element.elementor-element-918a2d9{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-widget-post-info .elementor-icon-list-item:not(:last-child):after{border-color:var( --e-global-color-text );}.elementor-widget-post-info .elementor-icon-list-icon i{color:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-icon svg{fill:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-text, .elementor-widget-post-info .elementor-icon-list-text a{color:var( --e-global-color-secondary );}.elementor-widget-post-info .elementor-icon-list-item{font-family:var( --e-global-typography-text-font-family ), 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.elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{left:calc(-0px\/2);}body:not(.rtl) .elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{right:calc(-0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon{width:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon i{font-size:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon svg{--e-icon-list-icon-size:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-text, .elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-text a{color:#959595;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-item{font-family:\"Poppins\", Sans-serif;font-size:15px;font-weight:400;line-height:28px;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );color:var( --e-global-color-primary );}.elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:20px;font-weight:600;line-height:1.28em;letter-spacing:0px;color:#000000;}.elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title a:hover, .elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title a:focus{color:var( --e-global-color-secondary );}@media(max-width:1024px){.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-widget-heading .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );}}@media(max-width:767px){.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-item{font-size:14px;}.elementor-widget-heading .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8842 post-8842 post type-post status-publish format-standard has-post-thumbnail hentry category-insurance-pulse category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 19, 2026, 4:09 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/new-reality-in-the-home-insurance-market-political-conflict-risks-move-from-the-list-of-exceptions-to-standard-conditions\/\">New reality in the home insurance market: political conflict risks move from the list of exceptions to standard conditions<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8845 post-8845 post type-post status-publish format-standard has-post-thumbnail hentry category-insurance-pulse category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 12, 2026, 7:55 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/ergo-has-jumped-on-the-ai-powered-interactive-photo-submission-bandwagon-but-not-all-insurers-are-there-yet\/\">Ergo has jumped on the AI-powered interactive photo submission bandwagon, but not all insurers are there yet<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-5699 post-5699 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 10, 2026, 9:07 am<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/are-you-planning-to-travel-to-an-eu-country-get-a-european-health-insurance-card-and-travel-insurance\/\">How to protect your home from rain and storms: tips for the whole summer<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8849 post-8849 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 9, 2026, 2:50 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/all-inclusive-in-turkey-a-false-illusion-of-security-and-the-necessity-of-travel-insurance\/\">All-inclusive in Turkey: a false illusion of security and the necessity of travel insurance<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8852 post-8852 post type-post status-publish format-standard has-post-thumbnail hentry category-news category-other-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>May 14, 2026, 4:52 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/balcia-has-once-again-improved-its-casco-insurance-rules\/\">Balcia has once again improved its Casco insurance rules<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8857 post-8857 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" 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-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>April 10, 2026, 9:11 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/gjensidige-offers-disappear-in-lithuania-will-offer-ergo-insurance\/\">Gjensidige offers disappear in Lithuania – will offer Ergo insurance<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e654525 elementor-widget__width-auto elementor-absolute e-transform elementor-widget elementor-widget-image\" data-id=\"e654525\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"_position":"absolute","_transform_rotateZ_effect":{"unit":"px","size":-138,"sizes":[]},"_transform_rotateZ_effect_tablet":{"unit":"deg","size":"","sizes":[]},"_transform_rotateZ_effect_mobile":{"unit":"deg","size":"","sizes":[]}}\" 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=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png\" class=\"attachment-medium_large size-medium_large wp-image-1320\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-300x286.png 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-13x12.png 13w\" 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-0771c3c elementor-align-center elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"0771c3c\" 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:\/\/manramu.lt\/en\/news\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.07084 7.04553L6.07084 7.02753C6.31581 7.02281 6.55398 7.10818 6.74016 7.26745C6.92634 7.42672 7.04757 7.64879 7.08084 7.89153L7.08984 8.02653V9.01053C7.08989 9.27249 6.98715 9.524 6.8037 9.711C6.62025 9.898 6.37075 10.0056 6.10884 10.0105L5.10884 10.0285C4.86388 10.0332 4.62571 9.94787 4.43953 9.78861C4.25335 9.62934 4.13212 9.40727 4.09884 9.16453L4.08984 9.02853V8.04553C4.0898 7.78357 4.19254 7.53206 4.37599 7.34506C4.55943 7.15806 4.80893 7.05051 5.07084 7.04553Z\" stroke=\"#FF720B\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4.08984 4.00732H13.0898\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M9.08984 7.00743H13.0898M9.08984 10.0074H13.0898M3.08984 0.992432H14.0898C14.6203 0.992432 15.129 1.20315 15.5041 1.57822C15.8791 1.95329 16.0898 2.462 16.0898 2.99243V13.0074H3.08984C2.55941 13.0074 2.0507 12.7967 1.67563 12.4216C1.30056 12.0466 1.08984 11.5379 1.08984 11.0074V2.99343C1.08984 2.463 1.30056 1.95429 1.67563 1.57922C2.0507 1.20415 2.55941 0.992432 3.08984 0.992432Z\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M16.4121 13.0073C17.0752 13.0073 17.711 12.7439 18.1799 12.2751C18.6487 11.8063 18.9121 11.1704 18.9121 10.5073V4.00732H16.9121\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More news<\/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<\/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>The price of insurance can vary by two! Find out what determines the price of compulsory insurance and why it is worth checking offers from different insurance companies <\/p>\n","protected":false},"author":2,"featured_media":1477,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-1411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>One in ten drivers pays more for mandatory insurance<\/title>\n<meta name=\"description\" content=\"The price of insurance can vary by two! 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