Civil liability insurance
For events occurring on the territory of the Republic of Bulgaria:
- Non-pecuniary and pecuniary damages resulting from bodily injury or death - EUR 6,450,000 per event, regardless of the number of injured persons;
- Damage to property (items) - EUR 1,300,000 per event, regardless of the number of injured persons.
For events occurring on the territory of a member state of the European Union, the minimum liability limits applicable in that member state apply, according to its law, or the coverage according to the law of the territory where the motor vehicle is normally based, if that coverage is higher.
Is Motor Third Party Liability coverage the same with all insurers?
Motor Third Party Liability insurance is a compulsory insurance whose main coverage and liability limits are set by law. That is why the main scope of the insurance does not depend on which insurance company you have chosen.
Differences between insurers can exist in the price of the policy, the method and terms of payment, the service and the additional services. The price is determined individually by each insurer according to its own tariff and the data for the specific vehicle and owner.
Motor Third Party Liability insurance is concluded for a period of one year and is valid in the territory of the member states of the European Union, the European Economic Area and the countries that have signed the Green Card Multilateral Agreement (Austria, Belgium, Bulgaria, the United Kingdom, Germany, Greece, Denmark, Estonia, Ireland, Iceland, Spain, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, Finland, France, the Netherlands, Croatia, the Czech Republic, Sweden, plus Andorra, Serbia and Switzerland).
A Green Card certificate is mandatory when travelling to Albania, Azerbaijan, Belarus, Moldova, Morocco, North Macedonia, Russia, Tunisia, Turkey and Ukraine.
Important for Kosovo: Kosovo is not a member of the Green Card system. Drivers of Bulgarian-registered vehicles must purchase local Motor Third Party Liability insurance at the border when entering.
Source: National Bureau of Bulgarian Motor Insurers. Last checked: 7 October 2026.
Exclusions expressly listed in the Bulgarian Insurance Code include:
Damage to property owned by a member of the insured person's family;
Damages suffered by the at-fault driver or their vehicle;
Damage to property carried in the at-fault driver's vehicle.
The exact assessment depends on the individual case and the applicable law. See the current Insurance Code on the Financial Supervision Commission website.
An injured third party does not automatically lose the right to compensation when the at-fault driver used alcohol or drugs. After paying compensation, the insurer may recover the amount from the at-fault driver on grounds provided by law, including:
The at-fault driver was over the legal alcohol limit or under the influence of drugs, refused a test or culpably avoided one;
The at-fault driver did not hold the required driving licence;
The at-fault driver left the scene before the authorities arrived when their attendance was legally required.
Bank card: Payment is processed via the virtual POS terminal. Payment security is guaranteed by the bank and the insurance broker has no access to the card data. For installment payments, the bank automatically debits the next installments.
Upon delivery: One-time payment is made cash on delivery when the insurance policy, sticker and all other documents are delivered by courier. Installment payments are made cash on delivery when the sticker for the respective paid period is delivered.
The policy, sticker and all required documents are sent free of charge to the specified address within 2 business days after payment. The policy is signed by us as the insurance broker, so no additional printing or signature is required.
When paying in installments, the sticker is delivered after the next installment is paid and delivery is free of charge.
In the event of an insurance incident, you should contact your insurer to receive specific instructions on the required next steps.
Insurer contact details:
- Bul Ins - 0700 16 633
- Bulstrad - 0800 11 111
- Generali - 02 926 7222
- DZI - 0700 16 166
- Euroins - 0700 17 241
- Uniqa - 0700 111 50
- OZK - 0700 166 88
- Lev Ins - 0800 10 200
- Allianz - 0700 13 014
A bilateral accident statement can be completed when:
- There are no injured persons: The incident involves material damages only;
- Only 2 vehicles are involved: No more than two cars are part of the accident;
- There is no damage to other property: No poles, fences or buildings were hit;
- Full agreement: Both drivers agree on who is at fault;
- The vehicles can move: The vehicles can move on their own after the impact;
- Sober drivers: None of the drivers is under the influence of alcohol or drugs;
In all other cases, you should contact the police on 112 (National emergency number).
Detailed instructions for completing the statement can be found on the back of the form you received with the policy.
- 7 business days: Deadline for written notification to the insurer about a road accident.
- 15-day grace period: The policy terminates automatically at 24:00 on the 15th day after a missed installment due date.
- 7 days: Deadline to notify the insurer when the vehicle is sold.
The Green Card is an international certificate attached to Motor Third Party Liability insurance which proves that the vehicle has valid liability insurance and that the policy covers the territory of the respective country.
For countries that are members of the European Union and the European Economic Area, the certificate is not required. There is no border control and it is not required when entering the territory of the respective country.
The certificate is mandatory for Albania, Azerbaijan, Belarus, Moldova, Morocco, North Macedonia, Russia, Tunisia, Turkey and Ukraine.
Important for Kosovo: Kosovo is not a member of the Green Card system. Local Motor Third Party Liability insurance must be purchased at the border.
Source: National Bureau of Bulgarian Motor Insurers. Last checked: 7 October 2026.
Information documents for compulsory Motor Third Party Liability insurance