Bulins Motor third-party liability (Grazdanska Otgovornost)

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.

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.

Section: Често задавани въпроси

Премията по задължителна застраховката „Гражданска отговорност“ на автомобилистите се определя на база техническите параметри на превозното средство – вид, обем на двигателя, обща маса, година на производство, брой места, както и населеното място, съгласно постоянния адрес на собственика на МПС по талон и възрастта на водача.

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.

Section: Често задавани въпроси

Трябва да се свържете с нас на националния телефон 0700 16633, където ще получите подробни указания за необходимите последващи действия.

Bonus-malus rules

Bulgaria's mandatory bonus-malus system for motor third-party liability insurance was created by the 2025 amendment to the Insurance Code, which introduced Art. 490a and entered into force on 1 August 2025. Under this article every MTPL insurer, including Bulins, must adopt and apply rules for adjusting the premium based on the policyholder's history of claims, using data from the Guarantee Fund's register of insurance claims certificates.

Section: § 28

За целите на определяне на застрахователната премия по задължителна застраховка „Гражданска отговорност“ на автомобилистите застрахователят приема и прилага правила за коригиране на застрахователната премия въз основа на предявените претенции за определен период от време (система „бонус-малус на застрахователя“).

Territorial scope

Valid in Bulgaria and all countries participating in the Green Card system, including all EU/EEA member states and other signatory countries.