BULSTRAD VIENNA INSURANCE GROUP Joint Stock Company
Bulstrad
Bulstrad is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Compensation is paid by bank transfer to the IBAN account specified by the injured party or the insured within 15 working days of submission of all required documents. Payment may also be made to an authorised representative holding a notarially certified power of attorney.
Geographic scope
Republic of Bulgaria and all Green Card system member countries
Coverage applies on the territory of the Republic of Bulgaria under Bulgarian law; extends to EU/EEA member states under local legislation; also covers third-country territory where damages are caused to persons from EU member states travelling between two member states, and territories of countries whose insurers' bureau is party to the multilateral agreement or the Green Card system.
Unique selling points
- Fully online purchase in real time with free courier delivery of the Green Card certificate and sticker to any address in Bulgaria.
- 24/7 contact centre on freephone 0800 11111 for claims reporting and roadside assistance coordination.
- Optional Kompleksen Asistans road assistance package with unlimited repatriation up to 100 km available for a flat annual fee of 36 BGN.
- 20% regional discount for all passenger cars in Region V when the client also holds a valid Bulstrad Casco or Property insurance policy.
- Part of Vienna Insurance Group, one of Central and Eastern Europe's largest insurance groups, providing strong financial stability and international reinsurance backing.
Coverage limits
Bodily Injury and Death Liability
€6,450,000
Statutory minimum sum insured per Art. 492 of the Bulgarian Insurance Code, covering non-property and property damages resulting from bodily injury or death caused to third parties per insured event, regardless of the number of injured persons. Following an amendment transposing EU Directive 2009/103/EC inflation adjustments (in force since 01.08.2025), the minimum was raised from the previous BGN 10,420,000 to the lev equivalent of EUR 6,450,000 per event.
за неимуществени и имуществени вреди вследствие на телесно увреждане или смърт - 6 450 000 евро за всяко събитие
Property Damage Liability
€1,300,000
Statutory minimum sum insured per Art. 492 of the Bulgarian Insurance Code, covering property damages caused to third parties per insured event, regardless of the number of damaged parties. Following the amendment in force since 01.08.2025, the minimum was raised from the previous BGN 2,100,000 to the lev equivalent of EUR 1,300,000 per event.
за вреди на имущество (вещи) - 1 300 000 евро за всяко събитие, независимо от броя на увредените лица
Legal Defence and Court Costs
Conditional
No limit stated
Interest and court costs are excluded except in the cases under Art. 429, para. 2 and 5 of the Insurance Code, subject to the conditions of Art. 429, para. 3; depreciation of damaged property and fines/property sanctions against the at-fault driver are also excluded.
Section: Има ли ограничения на покритието?
лихви и съдебни разноски освен в случаите по чл. 429, ал. 2 и 5 от КЗ при спазване на условията на чл. 429, ал. 3 от КЗ.
Green Card Certificate
Covered
No limit stated
International motor insurance certificate included in the tariff price, covering all member countries of the international Green Card agreement. Validity period matches the MTPL policy validity period; the certificate and sticker are delivered free of charge by courier.
Тарифата включва в цената си сертификат "Зелена карта" с териториален обхват всички страни-членки на Международното споразумение "Зелена карта".
Road Assistance (Optional)
Optional
No limit stated
Against additional premium, the insurer offers 'Road Assistance' cover for immobilization in the event of an insured event, technical failure and/or vehicle operation. Also offered as the G-series annual card or the Kompleksen Asistans package (36 BGN/12 months) including repatriation up to 100 km, unlimited times per year, with a 24/7 line on 0800 11111.
Section: Какво покрива застраховката?
Срещу заплащане Застрахователят предлага допълнителни покрития „Помощ на пътя“ при обездвижване в случай на застрахователно събитие, техническа повреда и/или експлоатация на МПС.
Driver Accident Cover
No limit stated
The IPID affirmatively excludes damages suffered by the at-fault driver from the base MTPL liability cover. Accident cover for the driver/persons in the vehicle ('Злополука на лицата в МПС') is available only as a separate optional add-on for additional premium, not as part of base MTPL liability cover.
Section: Какво не покрива застраховката?
вредите, претърпени от виновния водач на моторното превозно средство.
Passenger Accident Cover
Optional
No limit stated
Offered against additional premium as a distinct optional cover named 'Злополука на лицата в МПС' (accident of persons in the vehicle) and/or 'Злополука на пътниците в средствата за обществен превоз' (accident of passengers in public transport vehicles). The latter is a separate statutory product for public-transport passengers only, explicitly excluding the driver; it is not part of the base private-car MTPL liability cover.
Section: Какво покрива застраховката?
Злополука на лицата в МПС и/или Злополука на пътниците в средствата за обществен превоз.
Key conditions
Territorial scope
The insurance covers liability for damages on the territory of Bulgaria per Bulgarian law. For EU/EEA member states, limits follow local legislation. Third-country territory is covered where damages are caused to persons from EU member states travelling between two member states and no national bureau is responsible, and territories of countries whose insurers' bureau is party to the multilateral agreement or the Green Card system.
SourcePage 2Section: Къде съм покрит от застраховката?
Трета държава, чието национално бюро на застрахователите е член на системата „Зелена карта".
Green card rules
The Green Card certificate is included in the tariff price and its validity matches the MTPL policy validity. It covers all member countries of the international Green Card agreement. The certificate and sticker are delivered free of charge by courier to the address specified by the client.
SourceТарифата включва в цената си сертификат "Зелена карта" с териториален обхват всички страни-членки на Международното споразумение "Зелена карта".
Driver restrictions
Coverage applies to the owner of the insured vehicle and any other person who legally uses it. No specific driver age restrictions are stated in available official Bulstrad sources beyond general Bulgarian legal requirements for operating a motor vehicle.
SourcePage 1Section: Какъв e този вид застраховка?
Застрахователна полица „Гражданска отговорност” на автомобилистите е предназначена за застраховане на отговорността на собствениците и ползвателите на МПС.
Claim notification deadline
The policyholder must notify Bulstrad of the occurrence of an insured event within 7 working days of its occurrence, and must immediately notify the competent traffic authorities where required by law, without leaving the scene until authorities arrive except for medical emergencies.
SourcePage 2Section: Какви са задълженията ми?
Да уведомите своя застраховател по застраховка „Гражданска отговорност" на автомобилистите в срок от 7 (седем) работни дни от настъпване на застрахователното събитие.
Bonus-malus rules
No bonus-malus scheme details are stated in the available official Bulstrad sources for this product. The tariff applies regional coefficients based on vehicle registration plate regions grouped as Regions I through V, with a 20% discount available in Region V for clients who also hold a valid Casco or Property insurance with Bulstrad. Note: Bulgaria's Insurance Code was amended in 2026 to introduce a national bonus-malus system, but no Bulstrad-specific implementation details were found in official sources at the time of verification.
SourcePolicy specifics
Green Card Certificate
International certificate for motor vehicle insurance covering territory of all Green Card system member countries
SourceRoad Assistance (Optional)
Optional additional cover for vehicle immobilization, technical failure or operation of the vehicle
SourceSource no longer reachableRegional Discount
20% discount provided for all passenger cars in Region V when clients have valid Casco or Property insurance
SourcePayment Settlement Timeline
Compensation payment within 15 working days from submission of all required documents
SourceInsurer Decision Deadline
Insurer must pronounce a decision within 3 months from submission of claim
SourceTerritory Coverage Scope
Coverage extends to Bulgaria and all Green Card system member countries; EU/EEA countries under specified conditions
SourcePage 2Section: Where is my insurance cover valid?
A non-EU state whose national bureau of insurers is a member of the Green Card system.
Sources
- https://sttfinance.com/insurance-details/4urcpp952h/grazhdanska-otgovornost-na-mps
- https://www.bulstrad.bg/content/files/2021/06/09/IZDP_4710_Liability_ENG_update.pdf#page=2
- https://www.bulstrad.bg/content/files/2022/01/25/4710_%D0%98%D0%94%D0%97%D0%9F_%D0%93%D1%80%D0%B0%D0%B6%D0%B4%D0%B0%D0%BD%D1%81%D0%BA%D0%B0_%D0%BE%D1%82%D0%B3%D0%BE%D0%B2%D0%BE%D1%80%D0%BD%D0%BE%D1%81%D1%82_%D0%B8_%D0%B7%D0%BB%D0%BE%D0%BF%D0%BE%D0%BB%D1%83%D0%BA%D0%B0_%D0%BD%D0%B0_%D0%BF%D1%8A%D1%82%D0%BD%D0%B8%D1%86%D0%B8%D1%82%D0%B5_09122021.pdf#page=1
- https://www.bulstrad.bg/content/files/2022/01/25/4710_%D0%98%D0%94%D0%97%D0%9F_%D0%93%D1%80%D0%B0%D0%B6%D0%B4%D0%B0%D0%BD%D1%81%D0%BA%D0%B0_%D0%BE%D1%82%D0%B3%D0%BE%D0%B2%D0%BE%D1%80%D0%BD%D0%BE%D1%81%D1%82_%D0%B8_%D0%B7%D0%BB%D0%BE%D0%BF%D0%BE%D0%BB%D1%83%D0%BA%D0%B0_%D0%BD%D0%B0_%D0%BF%D1%8A%D1%82%D0%BD%D0%B8%D1%86%D0%B8%D1%82%D0%B5_09122021.pdf#page=2
- https://www.bulstrad.bg/en/frequently-asked-questions/motor-insurance/what-assistance-services-are-available-as-part-of-the-casco-and-mtpl-insuranceSource no longer reachable
- https://www.bulstrad.bg/produkti/avtomobilni-zastrahovki/grazhdanska-otgovornost-na-avtomobilistite