Motor third-party liability

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Feature / category	Armeec May 6, 2026 Open details	Bulins May 5, 2026 Open details	Bulstrad May 3, 2026 Open details	DZI May 6, 2026 Open details
Overview
Insurer	Armeec Insurance Joint Stock Company AD	ЗД "БУЛ ИНС" АД	BULSTRAD VIENNA INSURANCE GROUP EAD	DZI – General Insurance EAD / DZI – Life Insurance EAD
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
IPID	IPID	IPID	IPID	IPID
Terms & conditions	Not available	Terms & conditions	Terms & conditions	Not available
Coverage
Bodily injury liability	€6,450,000	€6,450,000	€6,450,000	€6,450,000
Property damage liability	€1,300,000	€1,300,000	€1,300,000	€1,300,000
Legal defence	Covered	Covered	Covered	Covered
Green card	Covered	Covered	Covered	Covered
Passenger accident	Optional	Optional	Not offered	Optional
Key conditions
Territorial scope	Coverage is valid on: the territory of the Republic of Bulgaria under Bulgarian law; EU Member States under their respective laws; third countries where damage was caused to persons from a Member State travelling between two Member States and no national insurance bureau is responsible for that territory (liability covered under the law of the Member State where the guilty driver's vehicle is normally based); third countries whose national bureau of insurers is a party to the multilateral agreement; and third countries whose national bureau of insurers is a member of the Green Card system (including Norway, Iceland, Liechtenstein, Switzerland, Serbia, Albania, Bosnia and Herzegovina, North Macedonia, Montenegro, Turkey, Russia, Moldova, Ukraine, Belarus, Morocco, Tunisia, Israel and Iran).	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.	Not available	Coverage applies on the territory of the Republic of Bulgaria per applicable Bulgarian law; on the territory of EU member states per their respective law; on the territory of a third country when damages were caused to persons from a member state during travel between two member states and no national insurance bureau is responsible for that territory (in which case the law of the member state where the at-fault vehicle is habitually based applies); on the territory of a third country whose national insurers bureau is a party to the multilateral agreement per its law; and on the territory of a third country whose national insurers bureau is a member of the Green Card system.
Green card rules	Pursuant to the Bulgarian Insurance Code effective 01.01.2016, the Green Card international certificate is issued together with each MTPL policy at no additional fee or other payment. The certificate serves as international proof of cover in all Green Card member states and EU/EEA countries.	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.	Not available	A Green Card international insurance certificate is issued with the MTPL policy at no additional cost and serves as proof of cover abroad. The sticker and Green Card are delivered free of charge by courier within 2 business days of policy issuance. The certificate is required for travel in third countries that are members of the Green Card system but not EU or EEA members.
Driver restrictions	The insurance covers the owner, user and holder of the motor vehicle for which a valid contract exists, as well as any person who actually drives or uses the vehicle on a legal basis. No express written authorization is required from the named insured for the driver to be covered. The insured must notify the insurer in writing within 7 days of any change in ownership and must report any material change in the use of the vehicle (e.g. rental, leasing, use as taxi).	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.	Not available	The policy covers the liability of the vehicle owner, user and holder for which a valid insurance contract exists, as well as any person who drives or uses the vehicle stated in the policy on a lawful basis. Damages suffered by the at-fault driver are excluded from coverage.
Claim notification deadline	In the event of an insured incident, the insured must notify the insurer within 7 working days of becoming aware of the occurrence. The insured must immediately notify the competent traffic control authorities where required by law, must not leave the accident scene until the competent authorities arrive (except where emergency medical care is necessary), and must not consume alcohol or narcotic substances until authorities arrive. All documents proving the occurrence of the insured event must be provided to the insurer.	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.	Not available	The insured must notify the insurer of the insured event within the prescribed deadlines and in the prescribed manner. At the scene of accident the insured must not leave until competent authorities arrive except when urgent medical assistance is required. The insured must provide the injured party with the data needed to file a claim with the MTPL insurer.
Bonus malus rules	Bulgaria does not yet have a fully implemented mandatory statutory bonus-malus system for MTPL at the policy level. The Bulgarian Financial Supervision Commission has been working on a draft ordinance for a bonus-malus system, but as of the policy documents available it has not been formally enacted into binding regulation. Individual insurers may apply their own merit-rating adjustments to premiums. The premium is influenced by vehicle type, engine capacity, age and driving experience of the owner/usual driver, registration address, and claims history where applicable.	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.	Not available	Bonus-malus rules are established by Ordinance No. 49 and the Bulgarian Insurance Code. Coverage limits and premiums are regulated by law. Flexible installment options are available: the premium may be paid as a single payment or in 2 or 4 installments depending on the type of vehicle. Coverage lapses at 24:00 on the 15th day after a missed installment due date.
Proof and next steps
Direct payment policy	The insurer pays compensation directly to the injured third party. The insured is not required to make advance payment; the insurer settles claims directly with injured persons in accordance with the Bulgarian Insurance Code and Ordinance No. 49.	Claims can be reported by phone at 0700 16633 (national line), by email at proformi@bulins.eu for events in Bulgaria or claims@bulins.eu for events abroad, or in person at any Bulins office. Premium payments accepted in cash, by bank transfer, via intermediary, or online by debit/credit card at www.bulins.com/online.	Compensation is paid by bank transfer to the IBAN account indicated by the injured party or the insured within 15 working days from submission of all required documents. Payment may also be made to an authorised representative holding a notarially certified power of attorney. The insurer is obliged to issue a decision within 3 months of the claim being filed.	The insurer pays compensation directly to injured third parties up to the legally established limits of liability. Claims may be filed directly with DZI as the MTPL insurer. Reasonable costs related to filing claims, including court costs awarded against the insured, are also covered.
Last verified	May 6, 2026	May 5, 2026	May 3, 2026	May 6, 2026