Lev Ins

territorial_scope

Coverage applies on the territory of the Republic of Bulgaria under applicable Bulgarian legislation; on the territory of any EU Member State under that state's law; on the territory of a third country when damages were caused to persons from a Member State travelling between two Member States and there is no national insurance bureau responsible for that territory (liability covered under the law of the Member State where the vehicle is habitually based); on the territory of any third country whose national insurers bureau is party to the multilateral Green Card agreement, under that country's law. Green Card countries include: Albania, Ukraine, Belarus, Serbia, Tunisia, Turkey, Israel, Bosnia and Herzegovina, Iran, North Macedonia, Moldova, Russia, Morocco.

green_card_rules

The Green Card certificate is issued automatically together with the MTPL policy at no additional premium. It certifies that the holder has a valid MTPL insurance covering the mandatory liability limits required by law in the visited country. If a policy is issued before vehicle registration, the Green Card is tied to the chassis number; the insured must notify the insurer in writing within 7 days of receiving the registration certificate and licence plates. The Green Card can be obtained or re-issued at any Lev Ins office nationwide.

driver_restrictions

Coverage extends to the owner, user, and keeper of the vehicle for which a valid insurance contract exists, as well as any person who legally drives or uses the vehicle specified in the policy. There are no specific named-driver restrictions stated in the IPID. Damages suffered by the at-fault driver are excluded. Driving under the influence of alcohol or narcotics is an obligation violation that may affect claims.

claim_notification_deadline

The insured must notify the insurer of any traffic accident within 7 days. In the event of an accident with injured persons, the insured must immediately call the 24/7 toll-free emergency number 0800 10 200. The insured must not leave the scene of the accident until competent authorities arrive (except when emergency medical care is urgently needed), must not consume alcohol or narcotics before authorities arrive, and must provide the injured party with the data needed to file a claim. Written notification is also required if criminal or administrative proceedings are initiated against the insured.

bonus_malus_rules

As of the date of verification, Bulgaria has adopted a statutory bonus-malus system for MTPL insurance through amendments to the Insurance Code. The system links the premium to the individual claims history: drivers with fewer at-fault accidents pay less, and those with more or heavier claims pay more. Each insurer is required to publish its bonus-malus methodology on its website. The Guarantee Fund issues certificates of claims history centrally. The implementing ordinance was under preparation by the Financial Supervision Commission as of 2024.

Road Assistance Add-on

Optional additional insurance rider offering roadside assistance, emergency support, and technical help during breakdowns

Bodily Injury and Death Coverage Limit

Mandatory minimum coverage for non-property and property damage resulting from bodily injury or death: BGN 10,420,000 per occurrence (EUR 5,327,661.40)

Property Damage Coverage Limit

Mandatory minimum coverage for property damage (tangible): BGN 2,100,000 per occurrence (EUR 1,073,712.95)

Policy Validity Period

MTPL insurance is valid for one year from the date specified in the policy. Payments can be made in 1, 2, or 4 installments.

Territorial Coverage Scope

Coverage applies in Bulgaria, EU member states, EEA countries, Andorra, Serbia, Switzerland, and any third country included in the Green Card international agreement system.

Mandatory Insurance Requirement

Motor Third Party Liability insurance is compulsory for all motor vehicles registered in Bulgaria regardless of whether used permanently, seasonally, or periodically.

Accident Notification Requirement

Insured must notify the insurer of any traffic accident within 7 days. For accidents with injuries, call emergency toll-free number 0800 10 200 immediately.

Contract Cancellation Procedure

Insured can terminate MTPL contract after it comes into force by written notice to insurer. Must return original policy, Green Card certificate, and guarantee fund label. Vehicle ownership transfer allows unilateral termination by new owner after transfer.