Lev Ins Motor third-party liability (Grazhdanska Otgovornost)
Underwritten by ЗК Лев Инс АД · Bulgaria
motor third-party liability insurance from Лев Инс for the Bulgaria market, with online purchase and 24/7 assistance.
Last verified Aug 3, 2026Sources
Unique selling points
Lev Ins applies a proprietary internal bonus-malus model that rewards low-claims drivers with discounts on their MTPL premium, incentivising safe driving.
24/7 toll-free emergency assistance hotline (0800 10 200 in Bulgaria, +359 800 10 200 abroad) providing logistical, legal, and roadside support at no extra cost to MTPL policyholders.
Instant fully digital policy issuance via shop.lev-ins.com – policy, Green Card certificate, and sticker delivered by email with no office visit required.
Policy validity can be checked instantly via SMS by texting INS followed by the vehicle registration number to 1917.
Lev Ins is the largest insurer in Bulgaria by market share and holds the largest insurance reserves in the Bulgarian market, backed by Israeli risk-management expertise.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Defence Costs
Covered
The policy covers reasonably incurred costs related to the filing of a claim, including court costs awarded against the insured, as provided for by law. No separate monetary limit is stated; costs are covered within the scope of applicable legal provisions.
Section: Какво покрива застраховката?
Разумно направените разходи във връзка с предявяването на претенция, включително съдебните разноски, присъдени в тежест на застрахования.
Green Card International Certificate
Covered
A Green Card certificate is issued with the MTPL policy, covering the insured driver's liability in third countries and EU/EEA member states that are members of the Green Card international agreement. The Green Card can be obtained at any Lev Ins office.
Section: Motor Third Party Liability Insurance > Frequently Asked Questions
A "Green Card" is a certificate attached to civil liability insurance and covers the liability of the driver of a motor vehicle in a third country in the event that he/she is at fault for causing property damage and/or non-property damage to third parties. A Green Card is issued together with motor vehicle liability insurance at no additional premium.
Roadside Assistance (Add-on)
Optional
Roadside assistance is available as an optional add-on rider ('Асистент на пътя') to the MTPL policy. Provides up to 50 km of complimentary roadside support when the vehicle is immobilized as a result of a traffic accident, confirmed by an official report. Includes 24/7 expert legal guidance. Must be purchased separately.
Section: Road Assistance Add‑On Rider
The Roadside Assistance add‑on from LEV INS provides support within a total distance of up to 50 kilometers when your vehicle becomes immobilized as a result of a traffic accident. The incident must be confirmed by an official traffic accident report or a statement of findings issued by the competent authorities.
Driver Accident Insurance (Add-on)
Optional
Voluntary accident insurance for persons in the vehicle ('Злополука на лицата в превозните средства') is available as an optional add-on alongside the MTPL policy. Covers the driver against bodily injury or death resulting from a traffic accident. Must be purchased separately; no specific insured sum stated in the IPID.
Section: Какъв е този вид застраховка?
Към застраховка „Гражданска отговорност“ на автомобилистите можете да сключите застраховка "Асистент на пътя" и доброволна застраховка "Злополука" на лицата в превозните средства.
Passenger Accident Insurance (Add-on)
Optional
Voluntary accident insurance for persons in the vehicle ('Злополука на лицата в превозните средства') is available as an optional add-on alongside the MTPL policy. Covers passengers against bodily injury or death resulting from a traffic accident. Must be purchased separately; no specific insured sum stated in the IPID.
Section: Какъв е този вид застраховка?
Към застраховка „Гражданска отговорност“ на автомобилистите можете да сключите застраховка "Асистент на пътя" и доброволна застраховка "Злополука" на лицата в превозните средства.
Key conditions
Driver restrictions
Coverage extends to the owner, user, and holder of the vehicle under a valid insurance contract, as well as any person legally driving or using the vehicle listed in the policy. No additional driver restrictions stated in the IPID.
SourcePage 1Section: Застраховка ,,Гражданска отговорност на автомобилистите'' > Какво покрива застраховката?
Покрива се отговорността на собственика, ползвателя и държателят на МПС, за което е налице валидно сключен застрахователен договор, както и всяко лице, което управлява или ползва посоченото в полицата МПС на законно основание;
Claim notification deadline
The insured must notify the insurer within 7 days of learning about circumstances that could give rise to civil liability or when claims, demands, or payments are made. In the event of an accident with injured persons in Bulgaria, the insured must immediately call the 24/7 toll-free emergency number 0800 10 200. Abroad: +359 800 10 200.
SourceClause 2.1Section: Харта за работа с клиенти > 1. ОСНОВНИ ПОЛОЖЕНИЯ > 2. ЗАДЪЛЖЕНИЕ ЗА СЪОБЩАВАНЕ НА ЗАСТРАХОВАТЕЛЯ ПРИ НАСТЪПВАНЕ НА ЗАСТРАХОВАТЕЛНО СЪБИТИЕ
Задължителна застраховка "Гражданска отговорност на автомобилистите" – 7 дни от узнаване на обстоятелствата, които биха могли да доведат до възникване на гражданска отговорност или за предявени искове или за плащания, които е извършил.
Bonus-malus rules
Lev Ins applies an internal bonus-malus model. Drivers with a low claims history receive a bonus discount on their premium. The model allows the company to select clients with low claims frequency and offer them better insurance terms and pricing. Specific discount percentages are not stated in the IPID.
SourceClause чл. 490аSection: ЗАКОН ЗА ИЗМЕНЕНИЕ И ДОПЪЛНЕНИЕ НА КОДЕКСА ЗА ЗАСТРАХОВАНЕТО (ДВ, БР. 102 ОТ 2015 Г.) > § 28
Чл. 490а. (1) За целите на определяне на застрахователната премия по задължителна застраховка "Гражданска отговорност" на автомобилистите застрахователят приема и прилага правила за коригиране на застрахователната премия въз основа на предявените претенции за определен период от време (система "бонус-малус на застрахователя").
Territorial scope
Valid in Bulgaria, EU Member States, EEA countries, Andorra, Serbia, Switzerland, and third countries whose national insurers bureau is a member of 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
Green Card International Coverage
Certificate of Motor Third Party Liability insurance covering liability in third countries and EU member states included in the Green Card international agreement
SourceSection: Motor Third Party Liability Insurance
The insurance covers the territory of the Republic of Bulgaria, European Union member states, all countries in the European Economic Area, Andorra, Serbia, and Switzerland, as well as the territory of any third country included in the Green Card international agreement.
Mandatory Minimum Liability Limits
Legal minimum coverage amounts per event as specified in Bulgarian Insurance Code Article 492 (as amended, effective 01.08.2025): for bodily injury/death damages and for property damage.
SourceClause чл. 492Section: ЗАКОН ЗА ИЗМЕНЕНИЕ И ДОПЪЛНЕНИЕ НА КОДЕКСА ЗА ЗАСТРАХОВАНЕТО (ДВ, БР. 102 ОТ 2015 Г.) > § 31
Чл. 492. Минималната застрахователна сума, за която се сключва задължителната застраховка "Гражданска отговорност" на автомобилистите, е: 1. ... левовата равностойност на 6 450 000 евро ...; 2. ... левовата равностойност на 1 300 000 евро ...
Territorial Validity Scope
Insurance coverage applies in Bulgaria, EU Member States, European Economic Area countries, Andorra, Serbia, Switzerland, and third countries included in Green Card international agreement
SourceSection: Motor Third Party Liability Insurance
Member States of the European Union, all countries of the European Economic Area, as well as Andorra, Serbia, and Switzerland.
Policy Validity Period
Standard policy duration and payment options for Motor Third Party Liability Insurance
SourceSection: Motor Third Party Liability Insurance
Your Motor Third Party Liability Insurance is valid for one full year, ensuring continuous protection every time you start the engine.
Accident Notification Requirement
Insured must notify the insurer within specified timeframe from the date of learning about circumstances that could lead to civil liability or when claims are made
SourceClause 2.1Section: Харта за работа с клиенти > 1. ОСНОВНИ ПОЛОЖЕНИЯ > 2. ЗАДЪЛЖЕНИЕ ЗА СЪОБЩАВАНЕ НА ЗАСТРАХОВАТЕЛЯ ПРИ НАСТЪПВАНЕ НА ЗАСТРАХОВАТЕЛНО СЪБИТИЕ
Задължителна застраховка “Гражданска отговорност на автомобилистите” – 7 дни от узнаване на обстоятелствата, които биха могли да доведат до възникване на гражданска отговорност или за предявени искове или за плащания, които е извършил.
Online Policy Purchase and Management
Motor Third Party Liability Insurance can be purchased online through the insurer's platform with full digital contract execution and policy management
SourceSection: Motor Third Party Liability Insurance > Frequently Asked Questions
Go to www.shop.lev-ins.com and fill in the necessary information to take out a policy online:
Emergency Road Assistance Service
24-hour toll-free emergency hotline providing logistical assistance, legal guidance, and roadside support in case of traffic accidents
SourceSection: Motor Third Party Liability Insurance
A toll-free helpline 0800 10 200 for assistance in the event of a traffic accident.
Sources
- devdiag558.blob.core.windows.nethttps://devdiag558.blob.core.windows.net/documents/GO_LEVINS_A3.pdf#page=1(opens in a new tab)
- devdiag558.blob.core.windows.nethttps://devdiag558.blob.core.windows.net/documents/GO_LEVINS_A3.pdf#page=2(opens in a new tab)
- 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)
- lev-ins.comhttps://www.lev-ins.com/en/our-products/auto-insurances/motor-third-party-liability-insurance/(opens in a new tab)
- lev-ins.comhttps://www.lev-ins.com/en/produkti-za-individualli-klienti/motor-third-party-liability-insurance/10/2(opens in a new tab)
- lev-ins.comhttps://www.lev-ins.com/en/produkti-za-individualni-klienti/motor-third-party-liability-insurance/10/2(opens in a new tab)
- lev-ins.comhttps://www.lev-ins.com/en/produkti-za-individualni-klienti/road-assistance-add-on-rider/10/3(opens in a new tab)
- lev-ins.comhttps://www.lev-ins.com/za-nas/harta-za-rabota-s-klienti/(opens in a new tab)
- veronasbroker.bghttps://www.veronasbroker.bg/files/mtpl/%D0%97%D0%9A%20%D0%9B%D0%B5%D0%B2%20%D0%98%D0%BD%D1%81%20%D0%90%D0%94-004536a59b63b5985fe757b13dda87f43339569b.pdf#page=1(opens in a new tab)
Lev Ins Motor third-party liability