Insurance Company Bul Ins JSC
Bulins
Bulins is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Claims are reported by calling the national helpline 0700 16633 or by email. For property damage under MTPL, the insurer uses its own internal methodology for determining compensation amounts. Direct repair in approved service centres is available for CASCO but not explicitly stated as default for MTPL third-party claims.
Geographic scope
Bulgaria and Green Card system countries
Valid in Bulgaria and all countries participating in the Green Card system, including all EU/EEA member states and other signatory countries.
Unique selling points
- Green Card international certificate included as standard at no extra cost, providing proof of coverage across all EU/EEA and Green Card system countries.
- Online purchase available with instant policy issuance and physical delivery of the signed policy by courier within three business days.
- 24/7 national helpline (0700 16633) for claims reporting and roadside assistance coordination, with dedicated extensions for different claim types.
- Instalment payment in up to four equal instalments with no surcharge, making the mandatory cover more accessible.
- Established Bulgarian insurer operating since 1995 with a nationwide office network and a proprietary information system for optimised claims processing.
Coverage limits
Bodily Injury and Death Liability
€6,450,000
Covers non-pecuniary and pecuniary damages resulting from bodily injury or death of third parties (including pedestrians, cyclists and other road users) per event, regardless of the number of injured persons. Limit set by Art. 492 of the Bulgarian Insurance Code, uniform for all Bulgarian MTPL insurers.
Property Damage Liability
€1,300,000
Covers damages caused to third-party property (vehicles, buildings, other movable or immovable property) per event, regardless of the number of damaged parties. Limit set by Art. 492 of the Bulgarian Insurance Code, uniform for all Bulgarian MTPL insurers.
Legal Defence Costs
Covered
Reasonably incurred costs related to filing a claim, including court costs awarded against the insured, are covered within the overall liability limit per Bulgarian Insurance Code requirements. No separate sub-limit is stated.
Green Card (International Insurance Certificate)
Covered
The Green Card international insurance certificate is included as a standard benefit with every Bulins MTPL policy. It confirms MTPL coverage for travel in all EU/EEA countries and other Green Card system signatory countries. The validity period of the Green Card matches the policy term.
Roadside Assistance
Excluded
Roadside assistance (Autoassistance) is NOT included in the Bulins MTPL policy. It is sold as a separate voluntary insurance product ("Автоасистанс" or "Автоасистанс Плюс") that must be purchased independently.
Driver Accident Cover
Excluded
The MTPL policy covers liability to third parties only. The at-fault driver is not a third party and is therefore not covered for their own bodily injury under this MTPL policy. A separate accident insurance must be purchased for driver cover.
Passenger Accident (as Third Parties)
Covered
Passengers injured in an accident caused by the insured driver are treated as third parties under the MTPL policy and are covered for bodily injury, disability or death up to the statutory bodily injury liability limit. An optional separate "Злополука на местата в МПС" policy is available for additional passenger accident cover.
Key conditions
Territorial scope
The policy is valid in Bulgaria and in all countries participating in the Green Card system, which includes all EU member states, EEA countries, and other signatory nations. For events occurring in an EU member state, the higher of the Bulgarian statutory minimum limits or the applicable limits of the country where the event occurred will apply.
Green card rules
The Green Card certificate is included in the policy and confirms MTPL coverage abroad. Its validity period equals the policy term. For vehicles with non-EU registration, a separate border insurance may be required.
Driver restrictions
Coverage applies to the policyholder and any person lawfully operating or using the insured vehicle as stated in the policy. The premium is determined based on vehicle technical parameters (type, engine size, gross mass, year of manufacture, number of seats), the owner's place of permanent address, and the driver's age.
Claim notification deadline
In the event of an accident, the policyholder must contact the insurer at the national helpline 0700 16633 to receive detailed instructions on the steps to follow. For property damage claims, a formal notification form must be submitted. Specific day-count deadlines are governed by the Bulgarian Insurance Code and applicable regulations.
Bonus-malus rules
Bulgaria introduced a mandatory bonus-malus system for MTPL at the end of 2023. Bulins applies this system: the insured starts from a base premium and receives a bonus (discount) for each claim-free year or a malus (surcharge) if at-fault claims are recorded. The insurer may apply additional malus for high-risk vehicle classes or drivers at its own discretion up to the maximum malus threshold.
Documents
Insurance Product Information Document (IPID) – MTPL (150.67 KB, linked from product page)
IPID
СКЗП – Bonus-Malus System Document for Motor Vehicles (115.45 KB)
Other document
Bonus-Malus Correction System (СКЗП) – Bulins MTPL
Other document
General Terms and Conditions – Bulins Online Portal
Terms & conditions
Policy specifics
Green Card (International Insurance Certificate)
International document proving MTPL coverage for travel within EU/EEA and Green Card system countries
SourceMandatory Insurance Requirement
Motor Third Party Liability Insurance is legally mandatory in Bulgaria for all motor vehicles registered in the country
SourceAnnual Policy Term
Policy validity period is typically one year from the date of payment of first installment or full premium
SourceTerritorial Coverage Scope
Coverage applies in Bulgaria and all Green Card system countries (EU Member States and other participating nations)
SourcePremium Determination Factors
The MTPL premium is determined based on: vehicle technical parameters (type, engine displacement, gross mass, year of manufacture, number of seats), the owner's permanent address municipality, the driver's age, and the applicable bonus-malus coefficient.
Source