{"id":4773,"date":"2025-06-30T12:07:17","date_gmt":"2025-06-30T09:07:17","guid":{"rendered":"https:\/\/manramu.lt\/?p=4773"},"modified":"2026-08-17T16:58:45","modified_gmt":"2026-08-17T13:58:45","slug":"new-tax-will-insurance-become-more-expensive-from-2026-what-is-important-for-residents-to-know","status":"publish","type":"post","link":"https:\/\/manramu.lt\/en\/news\/new-tax-will-insurance-become-more-expensive-from-2026-what-is-important-for-residents-to-know\/","title":{"rendered":"New tax \u2013 will insurance become more expensive from 2026? What is important for residents to know?"},"content":{"rendered":"\t\t
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New tax \u2013 will insurance become more expensive from 2026? What is important for residents to know?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Seimas of the Republic of Lithuania adopted an amendment to the law, according to which from January 1, 2026 <\/strong> All non-life insurance companies<\/strong> operating in Lithuania will have to pay a 10% security contribution tax<\/strong> on the total amount of insurance premiums<\/strong> for concluded, extended or amended contracts. This obligation will apply to many types of insurance, including home insurance<\/strong>, CASCO (voluntary car insurance)<\/strong>, travel insurance<\/strong>, etc. <\/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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Which insurances will not be subject to the tax?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The tax will not apply<\/strong> to MTPL (compulsory third party liability insurance) contracts concluded by individuals<\/strong> – this is a significant exemption for many private drivers. However, it is important to know that if the vehicle insurance contract is concluded by a legal entity (company<\/strong>), then the tax exemption does not apply,<\/strong> so both cars insured by companies on sharing platforms and public transport vehicles will be taxed. <\/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 does this mean for private persons?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Although the tax will be paid by insurance companies, it will become an additional financial factor that insurers will have to take into account when calculating their operating costs. There is a high probability that this burden will be passed on to end users. Therefore, it is important to know what aspects may affect your insurance premium <\/strong>and what you can do to maintain adequate protection at a reasonable price. <\/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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How to choose insurance responsibly: practical tips<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  1. Assess the main risksFirst of all, it is worth delving into which risks can cause the greatest losses – for example, in home insurance it can be fire or flooding, in car CASCO – accident or theft, in travel insurance – medical expenses abroad. It is important to choose protection according to your real needs. <\/li>
  2. Consider your deductible<\/strong>Choosing a higher deductible<\/strong> (i.e. the amount you pay yourself in the event of a claim) usually results in a lower premium. This can be a good option if you want protection against major risks but don’t want to be tied down to small claims coverage. <\/li>
  3. Use security measuresIn some cases, additional security measures can reduce your premium. For example, in home insurance<\/strong>, an alarm system, smoke detectors, fencing or surveillance cameras. <\/li>
  4. When insuring a car \u2013 evaluate the driversThe insurance premium can be affected by who will be driving your vehicle. By properly selecting the age and driving experience of the youngest driver<\/strong>, the premium can be optimized.<\/li>
  5. Use comparison toolsThe pricing and decisions on insurance terms applied by different insurers may vary, so it is useful to use independent platforms (e.g. Man Ramu Insurance Platform<\/em>) that help you evaluate possible options objectively.<\/li>
  6. Plan aheadInsurance premiums can fluctuate depending on the market situation and the terms you choose. Plan your annual budget in advance and review your current insurance contracts a few months before they expire – this will give you time to evaluate the new terms and choose the most favorable offer. <\/li><\/ol>\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-07b1ff1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"07b1ff1\" 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 12.1644L4.08789 12.0284V11.0454C4.08784 10.7834 4.19059 10.5319 4.37403 10.3449C4.55748 10.1579 4.80698 10.0504 5.06889 10.0454Z\" stroke=\"#FF720B\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4.08789 7.00745H13.0879\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M9.08789 10.0074H13.0879M9.08789 13.0074H13.0879M3.08789 3.99243H14.0879C14.6183 3.99243 15.127 4.20315 15.5021 4.57822C15.8772 4.95329 16.0879 5.462 16.0879 5.99243V16.0074H3.08789C2.55746 16.0074 2.04875 15.7967 1.67368 15.4216C1.2986 15.0466 1.08789 14.5379 1.08789 14.0074V5.99343C1.08789 5.463 1.2986 4.95429 1.67368 4.57922C2.04875 4.20415 2.55746 3.99243 3.08789 3.99243Z\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M16.4102 16.0074C17.0732 16.0074 17.7091 15.7441 18.1779 15.2752C18.6468 14.8064 18.9102 14.1705 18.9102 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-bcaaddd 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=\"bcaaddd\" 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 ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child){padding-bottom:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:first-child){margin-top:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:calc(0px\/2);margin-left:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items{margin-right:calc(-0px\/2);margin-left:calc(-0px\/2);}body.rtl .elementor-8326 .elementor-element.elementor-element-cd2fd94 .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-c8939b4 elementor-widget elementor-widget-template\" data-id=\"c8939b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"7479\" class=\"elementor elementor-7479\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4818e31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4818e31\" 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-2faf4c14\" data-id=\"2faf4c14\" 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<div class=\"elementor-element elementor-element-41a59218 e-flex e-con-boxed e-con e-parent\" data-id=\"41a59218\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b96c5a9 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2b96c5a9\" 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>\u00a0\u201eMan ramu\u201c draudimo platformoje galite \u012fsigyti kelioni\u0173 draudim\u0105, apimant\u012f medicinines i\u0161laidas, nelaimingus atsitikimus, asmens civilin\u0119 atsakomyb\u0119 ir baga\u017eo draudim\u0105.<\/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-29382ad8 e-flex e-con-boxed e-con e-parent\" data-id=\"29382ad8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11845926 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"11845926\" 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=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\">Lengvai suskai\u010diuok kiek kainuos draudimas<\/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<\/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-da81b4a elementor-align-center elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"da81b4a\" 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>From January 1, 2026, all non-life insurance companies operating in Lithuania will have to pay a 10% security contribution tax on the amount of insurance premiums <\/p>\n","protected":false},"author":2,"featured_media":4776,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-4773","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>New tax - will insurance for residents become more expensive from 2026?<\/title>\n<meta name=\"description\" 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