Insurance Company Euroins AD
Euroins
Euroins is a motor third-party liability insurance for the Bulgaria market with online purchase and limited assistance availability.
Direct payment
Claims under MTPL are paid to the injured third party. The policyholder (vehicle owner/driver) does not receive compensation directly; compensation is paid to third parties who have suffered property or personal damage.
Geographic scope
Republic of Bulgaria
Valid in Bulgaria and abroad: all EU member states, Turkey, Switzerland, and all countries in the Green Card system.
Unique selling points
- Full online purchase available 24/7 via MyEuroins portal (my.euroins.bg) with no registration required.
- Unique 'Legal Assistance in Traffic Accidents' add-on – the first of its kind on the Bulgarian market – providing legal consultations and court representation bundled with MTPL.
- Installment payment option available with automatic reminder notifications before each due installment.
- Green Card certificate included at no extra cost, providing coverage across all EU member states, Turkey, Switzerland, and all Green Card system countries.
- Modular Combined Car Policy allows flexible bundling of MTPL with roadside assistance, legal aid, and driver/passenger accident cover under a single policy term.
Coverage limits
Bodily injury and death liability
€6,450,000
Compulsory coverage per Art. 492 of the Bulgarian Insurance Code for non-property and property damages resulting from bodily injury or death: 6,450,000 EUR per event regardless of the number of injured persons.
Property damage liability
€1,350,000
Compulsory coverage per Art. 492 of the Bulgarian Insurance Code for damages to property: up to 1,350,000 EUR per event regardless of the number of damaged persons.
Legal assistance in traffic accidents
Optional
Only in Combined Car Policy
Optional voluntary add-on providing legal consultations and procedural representation in case of road accidents. Available only in combination with the Combined Car Policy (MTPL); incident must occur in Bulgaria.
Green Card certificate
Covered
International document recognized by all Green Card system member states, certifying valid MTPL insurance and covering the driver's liability in third countries for property and/or non-property damage to third parties. Issued without additional premium, valid for the period the insurance premium has been paid.
Roadside assistance
Optional
Only in MTPL add-on
Optional add-on providing immediate vehicle repatriation and road accident support. Only available as an addition to MTPL insurance. Covers vehicle repatriation up to 25 km from the accident location for vehicles up to 3.5 tonnes.
Driver accident insurance
Optional
Only in Combined Car Policy
Optional add-on providing accident coverage for the driver of the insured vehicle. Part of the 'Driver and Passenger Accident Insurance' product, which can be combined with the Combined Car Policy.
Passenger accident insurance
Optional
Only in Combined Car Policy
Optional add-on providing accident coverage for all seats in the vehicle, including the driver. Part of the 'Driver and Passenger Accident Insurance' product, combinable with the Combined Car Policy.
Key conditions
Territorial scope
Valid in Bulgaria and abroad: all EU member states (including Bulgaria), Turkey, Switzerland, and all countries in the Green Card system.
Green card rules
The Green Card certificate is issued without additional premium and is valid for the period for which the insurance premium has been paid. It certifies valid MTPL insurance and covers the driver's liability for property and non-property damage caused to third parties in a foreign country.
Driver restrictions
The policy covers civil liability of the insured for damages caused to third parties in connection with the possession and use of the insured motor vehicle. No explicit age restriction stated in the sources; mandatory for all registered motor vehicles in Bulgaria not withdrawn from circulation.
Claim notification deadline
In the event of an accident, the insured must notify Euroins and file a claim. Compensation for property damage under MTPL is paid within 15 days after submission of the last required document. For ownership transfer, both seller and buyer must notify the insurer in writing within 7 days.
Bonus-malus rules
Bulgaria is introducing a statutory bonus-malus system for MTPL. Under this system, drivers with claims history pay higher premiums (malus) and claim-free drivers receive discounts (bonus). The insurer checks the driver's claims history via the Guarantee Fund registry. Individual Euroins-specific bonus-malus coefficients are not published in the verified sources.
Where to buy
Policy specifics
Liability coverage for bodily injury
Compulsory coverage under Article 492 of the Insurance Code for property and non-property damages as a result of bodily injury or death
SourceLiability coverage for property damage
Compulsory coverage under Article 492 of the Insurance Code for damages to property
SourceGreen Card certificate
International document recognized by all member states in the Green Card system, certifying valid MTPL insurance
SourceLegal assistance in traffic accidents
Optional voluntary add-on providing legal consultations and procedural representation in case of road accidents
SourceRoadside assistance
Optional add-on providing immediate assistance for vehicle repatriation and road accident support
SourceDriver and passenger accident insurance
Optional add-on providing coverage for all seats in the vehicle, including the driver, for accident risks
SourceMinimum policy duration
Motor Third Party Liability insurance is valid for a period of 1 year from the date and time of policy start
SourceValidity territory
Motor Third Party Liability insurance valid in Bulgaria and abroad for all EU member states, Turkey, Switzerland, and all countries in the Green Card system
SourcePolicy ownership transfer
When transferring vehicle ownership, both seller and buyer must notify the insurer in writing within 7 days for policy transfer and annex issuance
SourceInstallment payment terms
Motor Third Party Liability insurance can be purchased with installment payments, policy terminates if first installment not paid
SourceMandatory vehicle types covered
Mandatory Motor Third Party Liability insurance applies to passenger cars, light and heavy commercial vehicles, motorcycles, mopeds, tractors, buses, trailers and semi-trailers, trolleybuses, and agricultural/construction machinery
Source