Mastercard Insurance Why Does Ryanair Have To Charge Me Nearly £13.00, For Using My Mastercard. Other Services (Insurance) None.?

Why does Ryanair have to charge me nearly £13.00, for using my Mastercard. Other services (Insurance) none.? - mastercard insurance

Buying tickets from Ryanair, 2 vols, EUR 29,99, 2 flights from € 39,99. Total € 139.96 - the final cost of 270 pounds. EUR 12.75 MasterCard.

Buy insurance Atlas £ 10.04 - € 10.04 Total No charge for MasterCard.
Why this difference