DZI - General Insurance EAD / DZI - Life Insurance EAD

Territorial scope

Covers liability on Bulgarian territory per current Bulgarian law; on EU member state territory per that state law; on the territory of a third country whose national insurers bureau is 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. When damages occur in a third country between two EU member states and no national bureau covers the territory, liability is covered per the law of the member state where the at-fault vehicle is habitually based.

Green card rules

The Green Card is issued together with the MTPL policy and is valid for travel in EU member states and Green Card system member countries. The insured must present the Green Card at border crossings or upon request by authorities in foreign countries. Upon cancellation of the MTPL policy the insured must return the Green Card certificate and the Guarantee Fund sticker to the insurer.

Driver restrictions

Coverage applies to the vehicle owner, user, and holder for which a valid policy is concluded, as well as any person who legally drives or uses the vehicle stated in the policy. The guilty driver own damages are excluded. Driving under the influence of alcohol or narcotics above legally permitted levels, or refusal to submit to testing, voids coverage.

Claim notification deadline

The insured must notify the insurer of the occurrence of an insured event within the timeframes specified in the policy and applicable regulations. Competent authorities must be notified immediately where required by law. The insured must not leave the scene of the accident until competent authorities arrive except when urgent medical care is required, and must not consume alcohol or narcotics before the arrival of authorities.

Bonus-malus rules

No bonus-malus system is specified in the MTPL IPID sources for this product. Premiums are determined per the applicable tariff under Ordinance 49 and the Insurance Code.

Annual Roadworthiness Check (ARC) Coupon

Complimentary coupon for one-off annual roadworthiness check at preferential price through selected service centres in Bulgaria

Assistance upon Road Traffic Accident

Free of charge telephone consultation and on-site assistance service provided to MTPL insurees in case of road traffic accidents on Bulgarian territory

Territorial Coverage - EU and Green Card System

Insurance covers liability on Bulgarian territory, EU member state territories, and certain third countries per Green Card system participation

Section: Къде съм покрит от застраховката?

На територията на трета държава, чието национално бюро на застрахователите е член на системата "Зелена карта".

Mandatory Insurance Requirement

MTPL insurance is compulsory for all motor vehicle owners/users registered on Bulgarian territory under Bulgarian law

Liability Scope - Property and Non-Property Damage

Insurance covers liability for both property and non-property damage caused to third parties through vehicle ownership and/or use

Section: What is covered by the insurance?

The insurance covers the liability of the insured natural and legal persons for the material and non-material damages, culpably caused by them to third parties (including pedestrians, cyclists and other road traffic participants), related to the possession and/or use of the motor vehicle specified in the policy;