Allianz
Allianz is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Claims can be filed by phone or online via the Allianz Bulgaria claims portal. Indemnity can be settled as fast cash payment or through the Allianz repair shop network.
Geographic scope
Bulgaria and Green Card system member countries
Coverage applies on the territory of Bulgaria (per Bulgarian law), every EU member state (per its law), and third countries whose national insurers bureau is a member of the Green Card system or the multilateral agreement.
Unique selling points
- Online policy issuance with instant payment confirmation and email delivery of policy documents — no registration required.
- Instalment payment at no extra cost, with multiple payment channels including virtual POS, bank transfer, direct debit, Epay and EasyPay.
- Green Card certificate and Guarantee Fund sticker delivered by courier to the policyholder's address within 3 business days of payment.
- Claims Tracker digital tool allows policyholders to monitor the progress of their claim online in real time.
- Allianz Bulgaria holds a 4.7/5 global customer satisfaction rating based on over 34,000 reviews, reflecting consistent service quality.
Coverage limits
Bodily injury and death liability
Covered
Covers non-material and material damages to third parties resulting from bodily injury or death caused by the insured vehicle, up to the statutory minimum of 6,450,000 EUR per event regardless of the number of injured persons, as set by Art. 492 of the Bulgarian Insurance Code (amended by State Gazette issue 63 of 1 August 2025, effective 1 August 2025). Also covers lost profits, reasonable claim costs including court expenses awarded against the insured, and statutory interest in favour of injured persons.
Property damage liability
Covered
Covers damages caused to third-party property by the insured vehicle, up to the statutory minimum of 1,300,000 EUR per event regardless of the number of affected persons, as set by Art. 492 of the Bulgarian Insurance Code (amended by State Gazette issue 63 of 1 August 2025).
Legal defence costs
Covered
Reasonable claim costs incurred by injured persons, including court expenses awarded against the insured, and statutory interest (per the Insurance Code), are covered within the overall liability limits. No separate sub-limit is stated in the Allianz IPID.
Green Card certificate
Covered
A Green Card certificate is issued together with the MTPL policy and serves as proof of valid insurance when travelling abroad in Green Card system member countries. The policyholder must always carry the Green Card when visiting a third country. Delivery is included when premium is paid in full; for instalment payments, the Green Card for each instalment period is delivered separately within 3 business days of each instalment payment.
Roadside assistance (Auto-assistance)
Optional
Roadside assistance (Auto-assistance) is not included in the standalone MTPL policy. It can be added by upgrading to the 'Моята кола Комфорт' combined package, which adds Auto-assistance coverage to the MTPL base.
Driver accident (at-fault driver damages)
Excluded
Damages suffered by the at-fault driver of the insured vehicle are explicitly excluded from MTPL coverage under the Insurance Code. The IPID explicitly lists this exclusion.
Passenger accident (accident at the seats)
Optional
Accident coverage for vehicle occupants (Злополука на местата) is not part of the standalone MTPL policy. It is available as an optional add-on within the 'Моята кола' combined insurance packages.
Key conditions
Territorial scope
Coverage applies in Bulgaria (under Bulgarian law), in every EU member state (under its own law), in third countries where damages were caused to persons from an EU member state travelling between two EU member states and no national insurers bureau is responsible for that territory (liability per the law of the insured vehicle's habitual country), and in third countries whose national insurers bureau is a party to the multilateral agreement or a member of the Green Card system.
Green card rules
A Green Card certificate is issued with the MTPL policy at no additional charge and must be carried when driving the insured vehicle in a third country. For online (distance) policies paid in full, the Green Card is delivered by courier within 3 business days. For instalment policies, the Green Card covering each instalment period is delivered within 3 business days of each instalment payment. The certificate proves valid insurance coverage in Green Card system countries.
Driver restrictions
Any person legally operating the vehicle is covered as insured, including the vehicle owner, user, holder, and any other driver using it on a lawful basis. No named-driver restriction applies. However, damages suffered by the at-fault driver of the insured vehicle are explicitly excluded.
Claim notification deadline
Upon occurrence of an insured event, the policyholder must notify the competent road traffic control authorities immediately when required by law, must not leave the scene until the authorities arrive (in cases prescribed by law), and must not consume alcohol or narcotics before their arrival. The policyholder must provide all necessary documents and full cooperation. The IPID references the deadlines set by the Insurance Code; no specific number of days is stated in Allianz's own IPID or GTC for the MTPL standalone product.
Bonus-malus rules
A bonus-malus system for MTPL premiums was legislated in the Bulgarian Insurance Code and insurers apply individual claims-history-based adjustments to premiums. The centralised mandatory bonus-malus system has been legislated but its operational rollout has experienced repeated delays; as of early 2026 the system had not yet launched. Allianz premium calculations take into account prior claims history as a risk factor.
Policy specifics
Green Card coverage
MTPL coverage extends to all countries with Green Card system membership, including EU states and countries with mutual agreements
Mandatory notice of insurance event
Insured must notify Allianz of MTPL insurance events within 7 business days of occurrence