Insurance Company Lev Ins AD
Лев Инс
Лев Инс is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Payment can be made in cash, via ATM, or by bank transfer. If payment is made by bank transfer, additional bank charges may apply according to the bank's tariff. Coverage terminates at 24:00 on the 15th day after the missed installment due date if an installment is not paid.
Geographic scope
Bulgaria and international Green Card territories
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
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
Bodily Injury and Death Liability
BGN 10,420,000
Covers non-property and property damages to third parties resulting from bodily injury or death caused by the insured vehicle. Mandatory minimum per Art. 492 of the Insurance Code: BGN 10,420,000 (EUR 5,327,661.40) per event, regardless of the number of injured persons.
Property Damage Liability
BGN 2,100,000
Covers damages caused to third-party property by the insured vehicle. Mandatory minimum per Art. 492 of the Insurance Code: BGN 2,100,000 (EUR 1,073,712.95) per event, regardless of the number of injured parties.
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.
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.
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
Territorial scope
Valid in Bulgaria per Bulgarian law; in EU Member States per their respective law; in EEA countries; in Andorra, Serbia, and Switzerland; and in third countries whose national insurers bureau is a member of the Green Card system. Also covers third-country transit where an EU-resident victim is injured travelling between two EU territories and no national bureau exists for that territory.
Green card rules
A Green Card certificate is automatically attached to the MTPL policy and is required for travel to non-EU Green Card member countries. It can be obtained at any Lev Ins office. The Green Card extends civil liability coverage to the driver in the territory of third countries participating in the multilateral Green Card agreement.
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.
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.
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.
Where to buy
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
SourceMandatory Minimum Liability Limits
Legal minimum coverage amounts per event as specified in Bulgarian Insurance Code Article 492: For bodily injury/death damages and for property damage
SourceTerritorial 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
SourcePolicy Validity Period
Standard policy duration and payment options for Motor Third Party Liability Insurance
SourceAccident 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
SourceOnline 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
SourceEmergency Road Assistance Service
24-hour toll-free emergency hotline providing logistical assistance, legal guidance, and roadside support in case of traffic accidents
SourceSources
- https://www.lev-ins.com/en/our-products/auto-insurances/motor-third-party-liability-insurance/
- https://www.lev-ins.com/en/produkti-za-individualli-klienti/motor-third-party-liability-insurance/10/2
- https://www.lev-ins.com/en/produkti-za-individualni-klienti/motor-third-party-liability-insurance/10/2
- https://www.lev-ins.com/en/produkti-za-individualni-klienti/road-assistance-add-on-rider/10/3
- https://www.lev-ins.com/za-nas/harta-za-rabota-s-klienti/
- https://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