Armeec Motor third-party liability (Grazhdanska Otgovornost Avtomobilistite)

Mandatory Liability Limits (EUR-denominated)

As of 01.08.2025, Bulgarian MTPL insurance must comply with minimum insured sums set in EUR equivalents per Art. 492 of the Insurance Code: bodily injury/death EUR 6,450,000 per event; property damage EUR 1,300,000 per event

Green Card Certificate Included

International motor insurance certificate (Green Card) issued with every MTPL policy at no additional charge, delivered by courier within three days of policy issuance at insurer expense

Green Card Certificate

International motor insurance certificate issued with every MTPL policy under Art. 488 of the Insurance Code. For online purchases it is delivered by courier together with the policy within three days of issuance, with the courier cost borne by the insurer.

488 от КЗ в три дневен срок от издаване на полицата, като разходите за куриерската услуга се поемат от застрахователя.

Claim Settlement Costs

Coverage for reasonable costs incurred in presenting claims, including court costs awarded against the insured and default interest where the insured is liable for its payment.

Section: Какво покрива застраховката? > Покрити рискове

разумно направените разходи във връзка с предявяването на претенция, включително съдебните разноски, присъдени в тежест на Застрахования;

Loss of Profits (Consequential Loss)

Covers loss of profits that are a direct and immediate result of the injury to the third party.

Section: Какво покрива застраховката? > Покрити рискове

пропуснатите ползи, които представляват пряк и непосредствен резултат от увреждането на третото лице;

Direct Payment to Injured Third Parties

Per Insurance Code and Ordinance No. 49, the insurer settles claims directly with the injured third party; the insured is not required to make advance payment but must provide the injured party with the insurer's contact information

Online Purchase Eligibility

Online MTPL purchase through armeec.bg is available only to natural persons acting outside commercial activity, who are registered website users, whose vehicle is registered in Bulgaria, not immobilized, and owned by a natural person

14-Day Cooling-Off Right (Distance Marketing)

Natural persons purchasing online have 14 days from contract conclusion or receipt of terms to withdraw without penalty, without stating reason, per Distance Marketing of Financial Services Act Art. 12. Pro-rata premium for elapsed period, administrative costs (sticker, Green Card, guarantee fund fees) are retained

Mandatory Minimum Liability Limits

Under Art. 492 of the Insurance Code, as amended and in force since 01.08.2025, the minimum insured sum for MTPL is set in EUR-denominated amounts, uniform for all insurers in Bulgaria.

Чл. 492. Минималната застрахователна сума, за която се сключва задължителната застраховка "Гражданска отговорност" на автомобилистите, е: 1. за неимуществени и имуществени вреди вследствие на телесно увреждане или смърт - левовата равностойност на 6 450 000 евро за всяко събитие, независимо от броя на увредените лица; 2. за вреди на имущество (вещи) - левовата равностойност на 1 300 000 евро за всяко събитие, независимо от броя на увредените лица.

Standard Policy Period

Insurance contracts are usually concluded for a period of one calendar year from the initial date of validity, with the exception of insurance contracts related to travel, luggage and/or other short-term insurance contracts.

Territorial Coverage Scope

Coverage applies in Bulgaria per Bulgarian law, in an EU member state per its own law, and in third countries whose national bureau is party to the multilateral agreement or a member of the Green Card system.

Section: Къде съм покрит от застраховката?

Покритието по застраховка „Гражданска отговорност” на автомобилистите е валидно за: Република България съгласно българското законодателство; държава членка съгласно нейния закон;

Consequence of Missed Installment Payment

If an installment of the insurance premium is not paid by its due date as stated in the policy, the insurer exercises its right to terminate the contract at 00:00 on the 16th day from the due date.

Section: Кога и как плащам?

Ако съответната разсрочена вноска не бъде платена до датата на нейния падеж, Застрахователят упражнява правото си да прекрати договора в 00,00 часа на шестнадесетия ден от падежа.