For your car

The mandatory "Motor Third Party Liability" insurance for vehicle owners and users covers the vehicle driver's liability for culpably caused property and non-property damage to third parties. This may include bodily injury or death, damage to another's property, lost profits resulting from the damage, as well as costs incurred in connection with filing the claim. It is important to note that if you are at fault for causing an accident, you are not entitled to compensation for property or non-property damage. "Civil Liability" insurance is mandatory for vehicles with Bulgarian registration plates, while vehicles with foreign registration are not insured. Its territorial validity includes: the Republic of Bulgaria, Member States of the European Union, the European Economic Area, and third countries (member states of the "Green Card" agreement). Liability limits on the territory of the Republic of Bulgaria are as follows:

• For damage to property (objects), the limit is up to 2,100,000 BGN for each event, regardless of the number of injured persons.
• For property and non-property damage resulting from bodily injury or death, the limit is up to 10,420,000 BGN for each event, regardless of the number of injured persons.

The insurance provides coverage for various risks related to the payment of damages to one's own car. It is voluntary and provides additional protection for car owners, beyond the mandatory civil liability. The following are insured:

• Cars;
• Freight vehicles;
• Trailers and semi-trailers;
• Vehicles with foreign registration;
• Mopeds, motorcycles, ATVs;
• Construction and agricultural equipment;

Covered risks:

• Fire, explosion, short circuit;
• Natural disasters;
• Road traffic accident, including damage in a parked state;
• Malicious actions of third parties;
• Theft or Robbery of the entire vehicle;

Autoassistance insurance covers the following risks:

• Costs for providing technical assistance and transporting a vehicle to a car service or its place of residence;
• Costs for emergency medical care following an accident;
• Costs for transporting the insured persons to a medical facility;
• Costs for a hotel;
• Costs for repatriation of mortal remains;

The insurance is valid on the territory of the Republic of Bulgaria and abroad. It can be concluded for a period of one month to one year. The following can be insured:

• Passenger cars up to 8 seats, excluding the driver's seat;
• Trucks up to 3.5 tons and minibuses up to 12 seats;
• Motorcycles and mopeds;
• Caravans;
• Trailers;

GAP Insurance is an additional policy to Casco insurance, with coverage for theft and total damage. Typically, cars up to 10 years old are insured; however, it is possible to insure a used car that meets the insurer's requirements. In such cases, the insurance amount is determined based on the car's actual value at the time of acquisition.

Compensation under GAP insurance covers the difference between the compensation received under Casco insurance and the car's value indicated on the purchase invoice, up to the policy's specified limit. GAP insurance covers total damage resulting from the following risks:

• Theft of the car;
• Road accident;
• Fire;
• Natural disaster.

The "Accident in Seats in a Vehicle" insurance is voluntary and covers all seats in the vehicle.  It includes coverage for:

• death resulting from an accident;
• permanent loss of working capacity resulting from an accident;
• temporary incapacity resulting from an accident;
• medical expenses resulting from an accident.

In the event of a traffic accident, regardless of the cause or fault, the insurance covers damages to injured persons who are in the vehicle. This includes when the vehicle is in motion, stopped, or passengers are getting on or off. Insurance of only some of the seats is not permitted; however, insurance of only the driver's seat is allowed if the passenger seats are insured under the mandatory "Accident to Passengers in Public Transport" insurance. The insured person may select the insurance amount for one seat, but it must be the same for all seats. The insurance can be purchased for a period of one month to one year.