DZI
ДЗИ is a motor third-party liability insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
BG
Republika Bulgaria, darzhavi chlenki na ES, darzhavi ot EIP, Andora, Sarbiya, Shveytsariya, i treti darzhavi, chieto natsionalno byuro na zastrahovateli e chlen na sistemata Zelena karta
Unique selling points
- Free 24/7 Road Traffic Accident Assistance service included with every MTPL policy for passenger cars and light commercial vehicles, providing help completing bilateral accident protocols, access to a legal consultant, and claims guidance.
- Fully digital end-to-end online purchase: policy signed with a free electronic signature provided by DZI, Green Card and sticker delivered free by courier within 2 business days, with no branch visit required.
- Complimentary annual vehicle roadworthiness inspection discount voucher included with every MTPL policy at selected centres nationwide.
- Up to 30% discount on Casco+ motor insurance when MTPL is concluded with DZI, available both online and at any DZI office.
- DZI is Bulgaria's longest-established insurer founded in 1946, a market leader part of the Belgian KBC Group since 2007, and consistently ranked among the top three insurers by client satisfaction according to IPSOS.
Coverage limits
Bodily Injury and Death Liability
Covered
Covers non-property and property damages to third parties resulting from bodily injury or death caused by the insured vehicle, up to BGN 10,420,000 (EUR 5,327,661.40) per event regardless of the number of injured persons, as established by Article 492 of the Bulgarian Insurance Code effective from 07.12.2018.
SourceProperty Damage Liability
Covered
Covers damages caused to third-party property by the insured vehicle, up to BGN 2,100,000 (EUR 1,073,712.95) per event regardless of the number of injured persons, as established by Article 492 of the Bulgarian Insurance Code effective from 07.12.2018.
SourceLegal Defence and Claim Costs
Covered
Covers reasonable costs incurred in connection with the filing of a claim, including court costs awarded against the insured, as provided by law.
SourceGreen Card International Insurance Certificate
Covered
An international insurance certificate (Green Card) is issued together with the MTPL policy at no additional premium, serving as proof of valid motor liability cover for travel in EU member states and third countries that are members of the Green Card system. The Green Card and policy sticker are delivered free of charge by courier within 2 business days.
SourceRoadside Assistance Insurance
Optional
Optional supplementary insurance that can be taken together with the mandatory MTPL policy. Provides emergency roadside support, on-site repair, fuel delivery, tyre change, battery jump-start, and vehicle transportation after an accident or breakdown. Premium and VIP tiers include vehicle transport on Bulgarian territory.
SourceDriver Accident Coverage
Excluded
Damages suffered by the at-fault driver of the motor vehicle are explicitly excluded from MTPL coverage. The guilty driver cannot claim compensation for his own injuries under this policy.
SourcePassenger Accident Insurance
Optional
Voluntary accident insurance for vehicle passengers that can be concluded together with the mandatory MTPL policy. This is a separate optional add-on and is not part of the core MTPL coverage.
SourceKey conditions
territorial_scope
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
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 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
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
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.
Where to buy
Policy specifics
Third Party Liability Coverage
Mandatory coverage for property and non-property damage caused by the insured vehicle owner or user to third parties
Passenger Accident Insurance
Voluntary accident coverage for vehicle passengers that can be taken together with MTPL insurance
Mandatory Liability Limits
Fixed liability limits established by Ordinance 49 and the Bulgarian Insurance Code for property and non-property damages
Territory of Coverage
Coverage applies in Bulgaria, EU member states, third countries under Green Card agreement, and specified conditions for international travel
Vehicle Registration Requirement
MTPL insurance is mandatory for all motor vehicles registered or to be registered in Bulgaria, and for vehicles from third countries operating in Bulgaria
Premium Payment Options
Premium can be paid as single payment or in installments (2 or 4 installments), by bank transfer, cash, or online payment
Policy Termination Rights
Insured can terminate the contract unilaterally upon vehicle ownership change, scrapping, illegal appropriation, or removal from road
Green Card Certificate
International insurance certificate provided with MTPL policy for travel in EU and Green Card member states, valid for proof of insurance abroad
Annual Roadworthiness Check Coupon
Complimentary voucher included with each MTPL policy for annual vehicle technical inspection at preferential rates