Extracted from source documents

UNIQA Motor third-party liability (Grazhdanska Otgovornost)

Underwritten by УНИКА Застраховане АД · Bulgaria

motor third-party liability insurance from UNIQA for the Bulgaria market, with online purchase and 24/7 assistance.

Last verified Aug 10, 2026Sources

Online purchase24/7 helpline

Compare 2 places to buy Compare Motor third-party liability insurers in Bulgaria

Key facts

UNIQA

Unique selling points

Online MTPL purchase available 24 hours a day 7 days a week directly on uniqa.bg with instant policy issuance and email delivery of all documents.

Free roadside assistance for MTPL policyholders following a traffic accident reachable via the 0700 111 50 helpline with no transport charge to the policyholder.

UNIQA Bulgaria has operated for over 30 years and is part of the UNIQA Group one of the leading insurance groups in Central and Eastern Europe present in 17 countries.

Full insurance lifecycle management, including contracting, payments, claims registration, and policy tracking, available through the myUNIQA online client portal anytime and anywhere in Bulgaria.

Coverage limits

Covered

Bodily Injury and Death Liability

€6.5M

Covers non-pecuniary and pecuniary damages resulting from bodily injury or death caused to third parties per event, regardless of the number of injured persons. Statutory minimum under Art. 492 of the Insurance Code (as amended, in force from 01.08.2025): EUR 6,450,000 per event.

Clause чл. 492, т. 1

Section: § 31 > Застрахователна сума > Чл. 492, т. 1

за неимуществени и имуществени вреди вследствие на телесно увреждане или смърт - левовата равностойност на 6 450 000 евро за всяко събитие, независимо от броя на увредените лица;

Covered

Property Damage Liability

€1.3M

Covers property damage caused to third parties per event, regardless of the number of injured persons. Statutory minimum under Art. 492 of the Insurance Code (as amended, in force from 01.08.2025): EUR 1,300,000 per event.

Clause чл. 492, т. 2

Section: § 31 > Застрахователна сума > Чл. 492, т. 2

за вреди на имущество (вещи) - левовата равностойност на 1 300 000 евро за всяко събитие, независимо от броя на увредените лица.

Legal Defence Costs

Reviewed documents disagree

UNIQA's IPID lists interest and court costs under what the insurance does not cover, without the statutory exception. Art. 494(10) of the Insurance Code excludes interest and court costs except as provided in Art. 429(2) and (5), under which the insurer pays, within the liability limit, default interest the insured owes the injured party and court costs awarded against the insured when the insurer was joined to the case.

Page 1

Section: Какво не покрива застраховката?

Лихви и съдебни разноски;

Covered

Green Card Certificate

Covered

A Green Card certificate is issued together with every MTPL policy without additional charge, extending coverage to all Green Card system member countries. The certificate confirms that the holder has valid MTPL insurance meeting the minimum mandatory liability limits required by law in the visited country.

Page 2

Section: Къде съм покрит от застраховката?

Територията на Република България, както и на всички други държави, чието национално бюро на застрахователите е член на системата „Зелена карта“, както и на територията на трета държава, когато вредите са били причинени на лица от държава членка.

Conditional

Roadside Assistance

Conditional

Free roadside assistance is available to MTPL policyholders who have a completed accident report for the event. The policyholder can call 0700 111 50 from the accident location to register a claim and be transferred to roadside assistance at no cost. If a third-party roadside assistance service is used instead, UNIQA reimburses up to BGN 100 for events within Bulgaria and up to BGN 1000 for events abroad.

Section: Frequently Asked Questions > Do you have your own roadside assistance service, or can I use another service after a road accident?

To use our free roadside assistance, you must have a completed accident report for the event you have suffered. From the accident location, you can contact a member of our staff by calling 0700 111 50 , who will register a claim and transfer you to roadside assistance without you having to pay for the transport service. If youuse the services of another roadside assistance, we will cover up to BGN 100 for an event within the country and up to BGN 1000 for an event abroad.

Optional

Driver Accident Insurance

Optional

Not included in the base MTPL policy. Driver and Passenger Accident Insurance is a separate optional product sold by UNIQA covering loss of life and permanent work disability due to an accident on the territory of Bulgaria. The insured amount is determined individually and it is possible to insure only the driver seat.

Section: Product benefits > Main benefits of "Driver and Passenger Accident" insurance

The insurance amount is determined individually and at the request of the person contracting the insurance

Covered

Passenger Bodily Injury as Third Parties

Covered

Passengers in the insured vehicle injured in an accident caused by the insured driver are covered as third parties under the bodily injury liability up to the statutory limit. Voluntary accident insurance for passengers covering loss of life and permanent disability is available as a separate optional add-on.

Section: Main coverages

Non-material and material damages to third parties as a result of bodily injury/death

Key conditions

Driver restrictions

The policy covers the owner of the vehicle specified in the policy as well as any other person legally using the vehicle. The insurer has the right of recourse against the driver in cases of intentional damage, driving under the influence of alcohol or drugs, refusal to submit to an alcohol or drug test, driving without a valid licence, or driving a technically unroadworthy vehicle.

Claim notification deadline

The policyholder must notify the insurer in writing within 7 working days of learning about the occurrence of a covered event. Claims can be reported online via the UNIQA website, by calling 0700 111 50, or in person at any UNIQA branch office.

SourcePage 2

Section: Какви са задълженията ми?

Да уведомите застрахователя в срок от 7 работни дни от узнаването за възникнало застрахователно събитие;

Bonus-malus rules

Bulgaria introduced a statutory bonus-malus system for MTPL insurers under Art. 490a of the Insurance Code, added by the Act amending the Insurance Code (State Gazette No. 63, 1 August 2025), in force from that date. Under the rules, each insurer adopts and applies its own procedure for adjusting the premium based on the policyholder's claims history over a defined period, drawing on data from the Guarantee Fund's register under Art. 571(1)(2). Insurers may not discriminate against a policyholder on the basis of nationality or country of prior residence and must treat a claims-history certificate issued by another EU member state the same as a domestic certificate.

SourceClause чл. 490а, ал. 1

Section: § 28 > Система „бонус-малус“ по задължителна застраховка „Гражданска отговорност“ на автомобилистите > Чл. 490а

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

Territory of the Republic of Bulgaria, all countries whose national insurers bureau is a member of the Green Card system, and third countries when damage is caused to persons from an EU Member State