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Measured on six things

Lithuania's insurance comparison engine across 9 insurers...

Growth

Real problem (multi-insurer comparison vs single-insurer sellers), specific niche lines and a licensed-broker moat. Wedge is solid but the category is crowded and the market is one small country.

Screenshots

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Draudykle.lt

About this app

Draudykle.lt is a Lithuanian insurance comparison platform that lets you price out and buy coverage online in about a minute, pulling quotes from 9 local insurers — Ergo, Lietuvos draudimas, BTA, Compensa, BAN, Balcia, IF, Bunda and Mango — in one place. What I like most is the breadth: it's not just the mandatory car policy (TPVCA) but KASKO, unregistered vehicle cover via VIN lookup, travel, home, health, construction (CAR/PCA), bicycle and e-scooter, agricultural machinery, roadside assistance, even tick-disease and animal-collision policies. The flow is refreshingly simple: enter your plate or trip/property details, compare price and terms side by side, pay, and the policy usually lands in your inbox within 15 minutes to an hour and takes effect within one hour. Everything runs through a licensed broker, UADBB Investicijų brokeris (Bank of Lithuania licence No. 000114), and quotes are free. Plenty of reviews mention real savings, though some rightly note that reading deductibles...

Key features

1Multi-insurer comparison across 9 Lithuanian insurers (Ergo, LD, BTA, Compensa, BAN, Balcia, IF, Bunda, Mango).
235+ insurance types including TPVCA, KASKO, travel, home, health, CAR/PCA, bicycle, e-scooter and agricultural machinery.
3Unregistered vehicle cover via VIN lookup, with policy effective the same day.
4Licensed broker (UADBB Investicijų brokeris, Bank of Lithuania licence No. 000114); quotes and consultations free.
5Policy typically emailed immediately after payment and effective within 1 hour.

Target customer profile

Drawn from the product itself, not from a survey.

Demographic

Property owners and small businesses (construction, farming)

Pain points

Multi-line coverage hard to price; needing PCA or CAR certificates

Primary needs

Bundle home/business policies; licensed broker guidance

Demographic

Families and frequent travelers buying travel or health cover

Pain points

Last-minute trips; confusion over medical limits and add-ons

Primary needs

Quick online purchase; clear coverage limits and baggage/medical terms

Demographic

Drivers renewing mandatory car insurance (TPVCA) yearly

Pain points

Overspending for years without comparing insurers; unclear final price

Primary needs

Fast quote comparison across all insurers; policy emailed same day

Demographic

Younger or low-experience drivers and households with shared cars

Pain points

Sticker shock from age/experience penalties; risk of insurer recourse

Primary needs

Transparent pricing by riskiest driver; affordable coverage options

Scout Review

Written by AI from measured evidence, scored out of 100.

Draudykle.lt is a well-executed Lithuanian insurance comparison platform with a clear structural advantage over its listed alternatives: it aggregates nine insurers and 35+ product lines, while Balcia, Lietuvos draudimas and ERGO each sell only their own policies. The technical execution is strong — a 99/100 mobile Lighthouse performance score, a coherent brand system, and 11 of 12 security headers with a real Bank of Lithuania broker licence behind it. The weaknesses are craft-level rather than fundamental: uneven insurer logos, template illustrations, gappy testimonial cards, small light-grey body copy, an unexplained carousel, and three real accessibility failures on contrast, ARIA and touch targets. Growth is capped by the single-country market rather than by the idea.

Measure by measure

Usability

Twelve category tiles plus a plate-number search bar make the primary flow obvious above the fold. Small light-grey body copy and an ambiguous 1/2 carousel indicator cost it points.

Design

Coherent blue-indigo brand system, disciplined type and a clear two-step hero path. Held back by uneven insurer logos, template-style illustrations and gappy testimonial cards.

Speed

Lighthouse mobile 99/100 (LCP 1.4s, CLS 0, TBT 31ms) and desktop 95/100. Genuinely fast for a quote-comparison site pulling from nine insurers.

Security

Full HTTPS with HSTS, CSP, frame protection, SPF and DMARC — 11/12 header checks. Licensed broker (LB No. 000114) is named. No published audits or bug bounty found.

Accessibility

Lighthouse a11y 90/100 but three real failures: prohibited ARIA attributes, insufficient color contrast and undersized touch targets. Lithuanian-only, no accessibility statement.

Growth

Real problem (multi-insurer comparison vs single-insurer sellers), specific niche lines and a licensed-broker moat. Wedge is solid but the category is crowded and the market is one small country.

Improvement areas

Accessibility: fix contrast ratios, prohibited ARIA attributes and touch-target spacing flagged by Lighthouse.
Design polish: normalise insurer logo sizing and replace template-style illustrations with original art.
Comparison depth: add a franchise/deductible column so users can spot real differences without reading terms manually.
Reach: publish an accessibility statement and consider an English toggle for expats and business buyers.

Design & Usability

Draudykle.lt's homepage does the hard part right: the hero search bar — insurance-type dropdown, LT plate field, orange-blue 'Pradėti' button — is unmistakably the primary action, and the 3x4 category grid lets returning users skip straight to their product. A consistent indigo accent ties header, hero, CTAs and stat icons into one brand system, and the left-aligned column keeps a long scroll readable. What drags it down is craft at the edges: the insurer logo strip is visually chaotic (ERGO and BUNDA overpower ASISA and BAN), the process illustrations look like purchased template art, and testimonial cards leave dead space between quote and attribution. Usability is strong on the happy path but the 1/2 carousel indicator is unexplained and body copy is set small and light grey in several places.

Speed & Security

Speed is the standout: Lighthouse mobile 99/100 with a 1.4s LCP, zero CLS and 31ms TBT, and desktop 95/100. For a site that fans out quote requests to nine insurers, that is genuinely well-engineered front-end work. Security is solid but not exceptional: HTTPS enforced with HSTS, CSP, frame protection, X-Content-Type-Options, Referrer-Policy, plus SPF and DMARC — 11 of 12 header checks, with only Permissions-Policy missing. The trust layer is real: policies are issued through UADBB Investicijų brokeris under Bank of Lithuania licence No. 000114, which is a regulated status most comparison sites cannot claim. What is absent is the deeper compliance signalling — no SOC 2, ISO 27001, pen-test summary or bug bounty — so a buyer has to take the broker licence as the main assurance.

Accessibility & Growth

Accessibility lands at a respectable 90/100 on Lighthouse but with three concrete failures: prohibited ARIA attributes, insufficient colour contrast, and touch targets too small or too close together. Those are the failures real users feel — low-vision users on the contrast, mobile users on the tap targets. There is no accessibility statement or WCAG conformance claim, and the site is Lithuanian-only, which limits reach but is reasonable for a national insurance product. Growth is the more interesting question. The category is crowded — Balcia, Lietuvos draudimas and ERGO all sell direct online — but each of those sells only its own book. Draudykle's wedge is structural: it is the neutral layer across nine insurers and 35+ product lines, including genuinely underserved niches like PCA construction supervision, agricultural machinery and unregistered-vehicle cover by VIN. The site claims 20,000 calculations and 1,000 policies a month. The honest limit is geography: one small market caps how far this scales without expansion.

Conclusion

If you are in Lithuania and buying car, travel, home or business cover, this is a sensible first stop — the quote flow is fast, the comparison is genuinely multi-insurer, and the broker licence means you are not handing card details to a random aggregator. Go in expecting to read the deductibles yourself: one of the site's own testimonials admits the cheapest TPVCA offer was rejected on franchise terms, and another says the differences between options had to be read manually. The fixes that would move this from good to excellent are unglamorous — logo normalisation, contrast and touch-target remediation, a real accessibility statement, and clearer carousel semantics.

Suggestions for improvement

Normalise the insurer logo strip to a consistent optical size and weight so ERGO and BUNDA stop dominating the row.
Fix the three Lighthouse a11y failures: contrast ratios, prohibited ARIA attributes and touch-target spacing.
Publish an accessibility statement and consider an English language toggle for expats and business buyers.
Replace the ambiguous 1/2 carousel with labelled slides or drop it entirely in favour of one strong hero.
Add a deductible/franchise comparison column so users do not have to read terms manually to spot the real differences.

How we score

Alternatives comparison

Named competitors, point by point. Nobody paid to appear here or to be left out.

	Draudykle.lt	Balcia	Lietuvos draudimas	ERGO Lietuva
Multi-insurer comparison	Yes — 9 insurers side by side	No — sells only Balcia policies	No — sells only Lietuvos draudimas policies	No — sells only ERGO policies
Breadth of insurance types	35+ types incl. CAR/PCA, agri machinery, e-scooter	Car, travel, property	Broad own-book range incl. life and business	Car, home, travel, life
Online quote and purchase flow	Plate/VIN entry, compare, pay, policy by email	Direct online purchase of own policies	Online purchase of own policies	Online calculators for own products
Licensed broker intermediary	Yes — UADBB Investicijų brokeris, LB licence No. 000114	No — direct insurer	No — direct insurer	No — direct insurer
Free quotes and consultations	Yes — quotes and consultations free	Free online quotes	Free online quotes	Free online calculators