What is Motor Third Party Liability (MTPL) insurance?
Motor Third Party Liability (MTPL) insurance is mandatory by law for every owner of a motor vehicle that is registered on the territory of the Republic of Bulgaria and is not immobilized.
Objects of insurance: cars, light trucks and trucks, mopeds and motorcycles, tractors, buses, trailers and semi-trailers, trolleybuses, agricultural, construction, in-plant, wheeled and tracked machines.
What does the insurance cover?
- The liability of the driver/owner/keeper of the motor vehicle for damages caused by him to third parties while driving and parking.
Additional voluntary coverages
For better coverage we recommed a Combined Car Policy with one or more of the following options:
Accident Legal Aid Insurance
Provides consultations and the opportunity to use legal services in the case of road accidents with injured persons.
Driver and Passenger Accident Insurance
Provides coverage for all seats in the vehicle, including the driver.
Roadside Assistance Insurance
Ensures the use of roadside assistance in case of road accidents and preventive road accidents.
Where does the insurance cover apply?
The "Green Card" certificate is an international document that is recognized by all member states in the Green Card system. It certifies that the owner has concluded and valid MTPL insurance and covers the liability of the driver of the motor vehicle in a third country in the event that it causes property and/or non-property damage to third parties.
Motor Third Party Liability insurance is valid in Bulgaria and abroad:
- All member states of the European Union, including the Republic of Bulgaria;
- Serbia and North Macedonia;
- Turkey and Switzerland.
Insurance conditions
What is the duration of the Insurance cover?
Motor Third Party Liability insurance is valid for a period of 1 year from the date and time of the start of the policy.
The conclusion of the insurance for a shorter period, but not less than 30 days, is permissible only in the cases provided for in the Insurance Code.
Check the validity of your Euroins policy here.
What is the liability limit?
The amounts are advertised according to Art. 492 of the Insurance Code - BGN 10,420,000 for each event for non-property and property damage as a result of bodily injury or death.
Up to BGN 2,100,000 for each property damage event.
Where can you buy MTPL insurance?
Motor Third Party Liability insurance can be taken out at any Euroins office, online or through insurance intermediaries who are our partners.
Necessary documents for MTPL insurance:
- Copy of the registration certificate - when the vehicle is registered
- Sales contract or invoice - upon change of ownership or when the motor vehicle is a new import
- Customs declaration (if available)
Necessary actions when changing ownership of a motor vehicle?
The seller and the buyer are obliged to notify the insurer in writing of the transfer within 7 (seven) days in order to be issued the necessary annex.
Frequently asked questions about motor third party liability insurance.
Terms used:
MTPL - Motor Third Party Liability
Road accident - Road traffic accident
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Insure your motor vehicle against total loss or partial damage.
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Provides coverage for all seats in the vehicle, including the driver
We reimburse you and your family's medical expenses in case of illness or accident.