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OZK Insurance

OZK Insurance is a motor third-party liability insurance for the Bulgaria market with online purchase and limited assistance availability.

Last verified Aug 3, 2026Reviewed by: Desislava TsvetkovaZAD OZK - Zastrahovane AD
Online purchase

Direct payment

The insurer pays compensation directly to the injured third party. The insured is not required to make advance payment; the insurer settles claims directly with injured parties in accordance with the Insurance Code and Ordinance No. 49.

Geographic scope

Bulgaria and all Green Card system member countries

Republic of Bulgaria under Bulgarian law; all countries whose national insurers bureau is a member of the Green Card system; third countries when damage is caused to persons from an EU member state during travel between two member states and no national bureau is responsible for that territory.

Unique selling points

  • 15% discount for one-time payment when purchasing MTPL online at online.ozk.bg for passenger cars and commercial vehicles up to 5 tonnes.
  • Free postal delivery of the insurance sticker, talon and Green Card certificate when the policy is ordered online.
  • Nationwide network of over 70 locations including 13 dedicated claims centres ensuring accessible in-person service across Bulgaria.
  • Online instalment payment portal allows policyholders to pay any outstanding instalment on any OZK policy regardless of purchase channel using a debit or credit card.

Coverage limits

Bodily Injury Liability

Covered

Covers non-pecuniary and pecuniary damages to third parties resulting from bodily injury or death, up to BGN 10,420,000 per event regardless of the number of injured persons, as set by Bulgarian law (Insurance Code Art. 492 and Ordinance No. 49).

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Property Damage Liability

Covered

Covers damages caused to third-party property, up to BGN 2,100,000 per event regardless of the number of injured persons, as set by Bulgarian law (Insurance Code Art. 492 and Ordinance No. 49).

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Legal Defence and Claim Costs

Covered

Covers reasonable costs incurred in connection with presenting a claim, including court costs awarded against the insured, as explicitly stated in the IPID.

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Green Card

Covered

International insurance certificate (Green Card) is issued with the MTPL policy at no additional premium, providing proof of coverage in all Green Card system member countries. When purchased online, the certificate is delivered free of charge by post.

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Roadside Assistance

Excluded

Roadside assistance is not included in the MTPL product. OZK offers roadside assistance cards only as a bundled benefit with Casco insurance.

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Driver Accident Cover

Excluded

Damages suffered by the at-fault driver of the vehicle are explicitly excluded from MTPL coverage per the IPID.

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Passenger Accident Insurance

Optional

Passenger and driver seat accident insurance is available as a separate optional add-on to the MTPL policy, covering all seats at a minimal premium. Partial-seat underwriting is not permitted.

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Key conditions

Territorial scope

Coverage applies on the territory of Bulgaria under Bulgarian law; on the territories of all other countries whose national insurers bureau is a member of the Green Card system; and on the territory of a third country when damages were caused to persons from an EU member state during travel between two member states and no national bureau bears responsibility for that territory.

Green card rules

The Green Card certificate is issued together with the MTPL policy at no additional premium and serves as proof of insurance for travel in all Green Card system member countries. When purchasing online, the certificate, sticker and talon are delivered free of charge by post.

Driver restrictions

Coverage extends to the owner, user and holder of the vehicle, as well as any person legally driving or using the vehicle specified in the policy. Damages suffered by the at-fault driver are explicitly excluded.

Claim notification deadline

The insured must notify the insurer within the prescribed periods and in the prescribed manner upon the occurrence of an insured event. At the event scene, the insured must not leave until competent authorities arrive where required by law, and must not consume alcohol or narcotics before their arrival. If the MTPL policy was concluded before the vehicle was registered (chassis number only in the policy), the insured must declare the registration certificate and licence plates in writing to the insurer within 7 days of receiving them from the MoI authorities.

Bonus-malus rules

A bonus-malus system for Bulgarian MTPL has been approved through amendments to the Insurance Code. Accident-free drivers receive a bonus (premium discount) and at-fault drivers receive a malus (premium surcharge). The Guarantee Fund maintains an electronic register of damages forming the basis for each driver profile. Full practical implementation is expected in 2026 pending the FSC ordinance and system integration.

Where to buy

Buy online on Boleron.bg
Buy MTPL Online - OZK Official Portal
OZK MTPL Product Page

Documents

Insurance Product Information Document (IPID) - MTPL - OZK Insurance

ipid

Open

Policy specifics

Green Card Certificate

International insurance certificate issued without additional premium for coverage in all Green Card system member countries

Claim Notification Requirement

Insured must notify insurer in writing within 7 days of insurance event causing damages to third parties

Coverage Termination on Non-Payment

If premium installment is not paid within due date, coverage terminates at 24:00 on the 15th day after due date

Pre-Registration Policy Plate Declaration Deadline

If the MTPL policy is concluded before the vehicle is registered with only the chassis number in the policy, the insured must declare the registration certificate and licence plates in writing to the insurer within 7 days of receiving them from the competent MoI authorities.

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