Euroins Motor third-party liability (Grazhdanska Otgovornost Kombinirana Go)
Underwritten by Euroins Insurance JSC · Bulgaria
motor third-party liability insurance from Euroins for the Bulgaria market, with online purchase.
Verified Aug 3, 2026 · Terms dated 2023-02-13Sources
Unique selling points
Full online purchase available 24/7 via MyEuroins portal (my.euroins.bg) with no registration required.
"Legal Assistance in Traffic Accidents" add-on 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
€6.5M
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.
Section: Insurance conditions
The amounts are advertised according to Art. 492 of the Insurance Code - 6,450,000 EUR for each event for non-property and property damage as a result of bodily injury or death.
Property damage liability
€1.3M
Compulsory coverage per Art. 492 of the Bulgarian Insurance Code for damages to property: up to 1,300,000 EUR per event regardless of the number of damaged persons.
Section: § 31. Член 492 – Застрахователна сума
за вреди на имущество (вещи) - левовата равностойност на 1 300 000 евро за всяко събитие, независимо от броя на увредените лица.
Legal assistance in traffic accidents
Optional
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.
Section: What is this insurance?
In the event of initiation of pre-trila proceeedings for a traffic accident ZD EUROINS JSC will provide the insured with competent legal aid. The accident must have occurred on the territory of the Republic of Bulgaria under MTPL insurance.
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.
Section: Where does the insurance cover apply?
The "Green Card" certificate is an international document that is recognized by all member states in the Green Card system. It certifies that the owner has concluded and valid MTPL insurance and covers the liability of the driver of the motor vehicle in a third country in the event that it causes property and/or non-property damage to third parties.
Roadside assistance
Optional
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.
Section: What is Roadside Assistance Insurance?
Voluntary insurance in which, in the event of an accident, "EUROINS" Insurance JSC provides immediate assistance for the repatriation of the insured motor vehicle.
Driver accident insurance
Optional
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.
Section: Additional voluntary coverages
Driver and Passenger Accident Insurance Provides coverage for all seats in the vehicle, including the driver.
Passenger accident insurance
Optional
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.
Section: Additional voluntary coverages
Driver and Passenger Accident Insurance Provides coverage for all seats in the vehicle, including the driver.
Key conditions
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.
SourcePage 1Section: Какво покрива застраховката?
Застраховани са собственикът, ползвателят и държателят на МПС, всяко друго лице, което на законно основание управлява или използва това МПС.
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.
SourceSection: Frequently asked questions
The indemnity is paid within 15 working days after all documents required to establish the circumstances of the claim have been submitted.
Bonus-malus rules
Art. 490a of the Insurance Code, introduced by the amendment effective 1 August 2025, establishes a statutory bonus-malus system for MTPL: insurers must adopt and apply rules adjusting the premium based on the policyholder's claims history, using data from the Guarantee Fund's register. The ordinance governing access to this data (under Art. 571, para. 4) must be brought into line with the new law by the Ministry of Interior, the Ministry of Transport and the Financial Supervision Commission within six months of the law's entry into force.
SourceClause § 94, ал. 1-2Section: § 94. Преходни и заключителни разпоредби
§ 94. (1) В 6-месечен срок от влизането в сила на този закон Комисията за финансов надзор: 1. привежда наредбата по чл. 504, ал. 1 в съответствие с изискванията му; 2. приема наредбата по чл. 571, ал. 6. (2) Министърът на вътрешните работи, министърът на транспорта и съобщенията и Комисията за финансов надзор привеждат наредбата по чл. 571, ал. 4 в съответствие с този закон в срока по ал. 1.
Territorial scope
Valid in Bulgaria and abroad: all EU member states, Turkey, Switzerland, and all countries in the Green Card system.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
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
SourceClause Art. 492Section: Insurance conditions
The amounts are advertised according to Art. 492 of the Insurance Code - 6,450,000 EUR for each event for non-property and property damage as a result of bodily injury or death.
Liability coverage for property damage
Compulsory coverage under Article 492 of the Insurance Code for damages to property
SourceClause Art. 492Section: Insurance conditions
Up to 1,350,000 EUR for each property damage event.
Green Card certificate
International document recognized by all member states in the Green Card system, certifying valid MTPL insurance
SourceSection: Where does the insurance cover apply?
The "Green Card" certificate is an international document that is recognized by all member states in the Green Card system.
Legal assistance in traffic accidents
Optional voluntary add-on providing legal consultations and procedural representation in case of road accidents
SourceSection: What is this insurance?
Accident Legal Aid Insurance is voluntary insurance.
Roadside assistance
Optional add-on providing immediate assistance for vehicle repatriation and road accident support
SourceSection: What does the insurance cover?
Autoasistance - Repatriation of motor vehicles with a maximum weight of up to 3.5 tons by an assisting company at a distance of up to 25 (twenty-five) kilometers from the place of the road accident that occurred on the territory of the Republic of Bulgaria
Driver and passenger accident insurance
Optional add-on providing coverage for all seats in the vehicle, including the driver, for accident risks
SourceSection: Additional voluntary coverages
Driver and Passenger Accident Insurance Provides coverage for all seats in the vehicle, including the driver.
Minimum policy duration
Motor Third Party Liability insurance is valid for a period of 1 year from the date and time of policy start
SourceSection: Insurance conditions
Motor Third Party Liability insurance is valid for a period of 1 year from the date and time of the start of the policy.
Validity 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
SourceSection: Where does the insurance cover apply?
All member states of the European Union, including the Republic of Bulgaria; Serbia and North Macedonia; Turkey and Switzerland.
Policy 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
SourceSection: Insurance conditions
The seller and the buyer are obliged to notify the insurer in writing of the transfer within 7 (seven) days in order to be issued the necessary annex.
Installment payment terms
Motor Third Party Liability insurance can be purchased with installment payments, policy terminates if first installment not paid
SourceSection: Frequently asked questions
When the policy is taken out with installment payments, it is terminated if the first installment is not paid or is only partially paid at the exact time of day specified as its start.
Mandatory 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
SourceSection: What is this insurance?
The mandatory Motor Third-Party Liability (MTPL) insurance for motorists covers the following vehicles: passenger cars, light and heavy commercial vehicles, mopeds and motorcycles, tractors, buses, trailers and semi-trailers, trolleybuses, agricultural, construction, in-plant, wheeled, and tracked machinery.
Sources
- ciela.nethttps://www.ciela.net/svobodna-zona-darjaven-vestnik/document/2137252643/issue/7421/zakon-za-izmenenie-i-dopalnenie-na-kodeksa-za-zastrahovaneto-(dv-br-102-ot-2015-g)(opens in a new tab)
- euroins.bghttps://www.euroins.bg/en/individual-clients/view/grazhdanska-otgovornost-kombinirana-go(opens in a new tab)
- euroins.bghttps://www.euroins.bg/en/individual-clients/view/pomosht-pri-patuvane-asistans(opens in a new tab)
- euroins.bghttps://www.euroins.bg/en/individual-clients/view/pravna-pomosht-pri-ptp(opens in a new tab)
- euroins.bghttps://www.euroins.bg/uploads/IPID-Grazd-otgovornost-na-avtomobilistite.pdf#page=1(opens in a new tab)
Euroins Motor third-party liability