{"id":7176,"date":"2025-11-11T21:36:14","date_gmt":"2025-11-11T19:36:14","guid":{"rendered":"https:\/\/manramu.lt\/?p=7176"},"modified":"2026-03-26T17:19:53","modified_gmt":"2026-03-26T15:19:53","slug":"battery-check-before-winter-how-to-avoid-unpleasant-surprises-on-a-cold-morning","status":"publish","type":"post","link":"https:\/\/manramu.lt\/en\/news\/battery-check-before-winter-how-to-avoid-unpleasant-surprises-on-a-cold-morning\/","title":{"rendered":"Drivers will be required to disclose whether a private car will be used for business activities"},"content":{"rendered":"\t\t
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Drivers will be required to disclose whether a private car will be used for business activities<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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From 2026 A 10% security contribution tax will come into effect in Lithuania, applicable to all non-life insurance contracts, except for compulsory motor third party liability insurance (MTPL) contracts concluded by natural persons. However, this exception is not absolute and has significant practical and legal limitations.<\/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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Why is this important for private car drivers?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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From 2026 All natural persons, when concluding MTPL insurance contracts, will have to clearly confirm that their car is not used for economic activities and has not been transferred for use to a legal entity under a loan agreement or on another basis. Prie\u0161ingu atveju, \u0161iai sutar\u010diai bus taikomas 10\u202f% saugumo \u012fna\u0161o mokestis, o klaidingas patvirtinimas gali tapti pagrindu draudimo i\u0161mokos i\u0161ie\u0161kojimui.<\/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 do insurers adapt MTPL products?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Insurance companies in Lithuania have already begun technical and legal preparations. From 2025-11-06, the company “Lietuvos draudimas” is introducing a new risk feature in private TPVCAPD contracts:<\/p>

“The economic activity is carried out and\/or the vehicle is used by a legal entity under a loan agreement”<\/strong><\/p>

Some insurance companies formulate this characteristic as “Loan or other similar economic activity”. Others are not yet disclosing the final terms, but are moving in the same direction and have already made significant changes to their IT systems. One thing is clear – the individual will be required to confirm<\/strong> that the vehicle is not used for economic activities and\/or has not been transferred for use to a legal entity.<\/strong><\/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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Definition of economic activity\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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According to current practice, economic activity <\/strong>is considered to be any production, commercial, financial, professional or other analogous activity related to:<\/p>

  • production, distribution, trade of goods;<\/li>
  • provision of services;<\/li>
  • execution of works.<\/li><\/ul>

    It is important to note that it is not considered an economic activity<\/strong> when natural persons purchase goods or services to meet their personal or household needs.<\/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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    It is also presumed that a vehicle is used for economic activities when:<\/p>

    • the owner operates under a business license, individual activity certificate or has a patent;<\/li>
    • the vehicle is used for the performance of the activities of a lawyer, notary or other licensed professional activity.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Practical changes in the process of concluding contracts for the Practical changes in the process of concluding contracts for the MTPL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      It is likely that insurance companies will include an additional provision in the terms and conditions of MTPL contracts concluded by private individuals:<\/p>

      “The insurance risk has been assessed and the premium calculated on the condition that the vehicle is not used for economic activities and\/or is not transferred to a legal entity for use under a loan agreement or on another basis.”<\/p>

      In addition, brokers and insurance company agents will be obliged to ask the client before concluding a contract: “Will the vehicle be used only for personal purposes, or also for business (economic activities) purposes?” Is there a loan agreement with a legal entity?<\/p>

      When concluding a contract online, the client will have to choose the appropriate answers themselves, so it is important to carefully consider where you put the check mark. <\/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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      “If the insurance contract clearly stipulates that the insurance risk has been assessed and the premium calculated on the condition that the vehicle is not used for economic activities and is not transferred to a legal entity for use under a loan agreement or on another basis, and the policyholder confirms this condition, then, in my opinion, in the event of a payment, the insurer will have grounds to demand the return of the amounts paid if it turns out that this condition was violated. Although there is no practice in this specific aspect yet, I recommend that policyholders assess the possible nature of the vehicle’s use very responsibly and not limit themselves to a formal response, as this may lead to significant financial consequences.”<\/em>\u2013 Marius Jundulas, insurance market expert<\/i><\/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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      Important<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Although the law formally provides for a relief for individuals due to the security deposit not being applied to MTPL contracts, this exemption is applicable only if the car is used exclusively for personal purposes. Otherwise, false declaration may lead to both tax and civil liability consequences.<\/p>

      It is recommended that both insurers and clients ensure maximum clarity and quality of disclosure of information even before concluding a MTPL contract.<\/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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      \u2705 We remind you:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      You can quickly compare and purchase <\/strong>mandatory civil liability insurance on the Man ramu insurance platform.<\/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-aec677e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aec677e\" 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-762458b 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=\"762458b\" 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 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.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-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 2026 When concluding a MTPL contract, private car owners will be required to confirm that they will not use the vehicle for economic activities.<\/p>\n","protected":false},"author":2,"featured_media":7180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-7176","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>Drivers will have to answer whether they will use the car for economic activities<\/title>\n<meta name=\"description\" content=\"From 2026 When concluding a MTPL contract, private car owners will be required to confirm that they will not use the vehicle for economic activities.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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