Bulins

territorial_scope

Coverage applies: (1) in Bulgaria under Bulgarian law; (2) in any EU member state under that state's law; (3) in a third country when damages were caused to persons from an EU member state while travelling between two EU member states and no national insurance bureau covers that territory (liability covered under the law of the member state where the at-fault vehicle is habitually kept); (4) in any third country whose national insurers' bureau is party to the multilateral agreement or is a member of the Green Card system.

green_card_rules

A Green Card certificate is issued free of charge with every MTPL policy and is delivered by courier within three business days of payment. For EU/EEA travel only the policy document is required. For travel to non-EU Green Card member countries the Green Card certificate is mandatory. If the certificate is lost, a duplicate can be requested from the insurer. To exercise the right of withdrawal, the client must return the policy, the Green Card certificate, and the policy sticker.

driver_restrictions

Coverage extends to the owner, the user, and the holder of the vehicle covered by a valid insurance contract, as well as any person lawfully driving or using the vehicle named in the policy. Any person can take out the insurance even if they are not the vehicle owner. The premium is calculated based on vehicle technical parameters (type, engine displacement, total weight, year of manufacture, number of seats), the registered address municipality of the vehicle owner, and the driver's age.

claim_notification_deadline

Upon occurrence of an insured event the policyholder must: immediately notify the competent authorities where required by law; promptly notify the insurer with full details of the event and cooperate during any investigation; not leave the scene until competent authorities arrive (except in cases requiring emergency medical care); not consume alcohol or narcotics until authorities arrive; provide the injured party with the data needed to file a claim. The claim notification must be accompanied by all required documents. A 15-day indemnification deadline applies for property damage claims from the submission of the last required document.

bonus_malus_rules

The MTPL premium is differentiated based on the driver's claims history: Bul Ins offers up to 25% discount for drivers with no at-fault accidents, using its own proprietary claims database. Drivers with an at-fault accident pay a higher premium. The system is operated by Bul Ins on a voluntary basis ahead of any mandatory national bonus-malus system.

Green Card international coverage

MTPL insurance includes automatic Green Card certificate for coverage in all Green Card system countries (EU and beyond) at no extra cost

Bodily injury and death liability limit

Minimum mandatory liability limit for bodily injury and death is BGN 10,420,000 per insured event regardless of number of injured persons

Property damage liability limit

Minimum mandatory liability limit for property damage is BGN 2,100,000 per insured event regardless of number of damaged properties

Standard policy validity period

MTPL insurance is issued for a period of one year. Shorter periods (minimum 30 days) are allowed only for vehicles with temporary or transit registration

Installment payment default termination

If an installment payment is not made or only partially paid by the due date, the policy coverage terminates automatically at 24:00 on the 15th day after the due date

Mandatory vehicle registration requirement

MTPL insurance is mandatory for all motor vehicles registered or about to be registered in Bulgaria territory, or third-country vehicles operating in Bulgaria without valid MTPL

Cross-border liability coverage scope

Coverage extends to Bulgaria, all Green Card system member states, and to third countries when damage is caused to EU citizens while traveling between two EU states and no national bureau covers that territory