Motor insurance

Compare prices offered by insurance companies in a few minutes!

Car license plate check

“Man ramu” – adequate transport insurance for every kilometer.

What kind of transport insurance can you choose?

Compulsory insurance (and peace of mind)

Compulsory third party liability insurance (MTPL). This is mandatory car or motorcycle insurance, without which you cannot participate in traffic. It compensates for losses caused to other road users. It is necessary for every driver to feel confident on the road. We compare prices, and you choose the best option in just a few moments.

Casco insurance – protection against unpleasant surprises

If you want more comprehensive protection for your vehicle, Casco insurance covers losses to your car due to theft, vandalism, natural disasters or accidents, even if you are at fault. We currently provide Casco offers via email – contact us.

Motorcycle insurance - freedom on the road

The wind in your hair is more fun when you know you’re safe. Compulsory insurance for motorcycles and mopeds – fast and without paperwork.

Roadside assistance

If your car breaks down, roadside assistance insurance will provide the necessary assistance on site: transportation, tire change, fuel delivery, etc. Some insurance companies include this service for free – check if you qualify.

Important documents

Traffic accident declaration form

Law on Compulsory Motor Third Party Liability Insurance

Standard terms and conditions for compulsory insurance against Motor Third party liability in respect of the use of motor vehicles

Ergo MTPL insurance product information document

Gjensidige MTPL insurance product information document

Lietuvos draudimas MTPL insurance product information document

Balcia MTPL insurance product information document

BTA MTPL insurance product information document

Compensa MTPL insurance product information document

Got questions? It's easier than it seems

We have collected answers to the most frequently asked questions from drivers so that everything is clear right away.

We provide basic answers, and you can always write to us info@manramu.demesys.lt

What is the difference between compulsory third party liability insurance and Casco insurance?

Compulsory insurance covers damages caused to other persons, while Casco insurance covers damage to your car or motorcycle – even if you are at fault.

Are the driver and passengers insured?

Compulsory insurance covers injured passengers, but not the driver himself. To ensure the protection of the driver and passengers, it is recommended to choose accident insurance.

Is the cargo I am transporting insured?

Standard transport insurance does not cover cargo. This requires cargo insurance, which is usually used by carriers. Private individuals transporting items for their own use are not compensated for damage.

Are pets that travel in a car insured?

Under the mandatory insurance, pets are not considered passengers and are therefore not insured. For protection, you can purchase special pet insurance or additional coverage according to the insurance company’s offers.

Is the insurance valid abroad?

Yes, compulsory third party liability insurance is valid in all European Union countries and many other countries. In some countries, a Green Card is required (e.g. Moldova, Turkey, Serbia, Ukraine).

Do I need to print and carry insurance documents?

No, in Lithuania, drivers no longer need to carry an insurance policy – the police can see the data in an electronic system. However, when traveling abroad, some countries may request an insurance certificate or a Green Card.

How do I know if my insurance is valid?

You can check the validity through the Lithuanian Motor Insurers Bureau system or by logging into the insurance company’s self-service. At “Man ramu”, we also send a reminder by email before the policy expires.

Is it possible to take out insurance for a period shorter than a year?

Yes, especially for motorcycles or trailers, you can choose 1, 3 or 6 months of insurance, depending on the insurer’s terms and conditions.

Do I need to provide photos of the car for Casco insurance?

Often, yes – the insurance company may ask for photos of the car. If photos are not provided, the insurer may apply an additional deductible (up to EUR 300) until the photos are provided.

Is the insurance valid if another person was driving the car?

Yes, compulsory insurance is valid if the car was driven by another person with a valid driver’s license. However, if the car was driven by a drunk or unlicensed driver, the insurer may compensate the victims, but later seek recourse from the perpetrator.

What documents must be submitted during an insured event?

It depends on the situation, but usually you need: policy number, traffic accident declaration, photos, sometimes a police report. In cases of comprehensive insurance, a service estimate is often also requested.

Is it possible to add additional protection to compulsory insurance?

Yes – many insurers offer additional services: roadside assistance, personal insurance, animal collision protection, or driver compensation in the event of an accident.

Enough reading – time to go!