Coverage – this insurance covers the liability of a motorist for causing material and non-material damages to third parties and is only taken out for motor vehicles with Bulgarian registrations. Different limits of coverage are applied, for material and non-material damages respectively, where depending on the location of the event for the respective country on whose territory the insurance event has happened, according to its legislation, or the coverage according to the legislation of the territory where the motor vehicle is normally situated, in case this coverage is higher.

Area of validity – the territories of the Republic of Bulgaria + EU + EEA (European Economic Area) + member states of GCS (Green Card System).

The period of the insurance is one year. The conclusion of insurance for a shorter period is permitted only in case it refers to a motor vehicle which has a temporary or transit registration.

This insurance provides protection against various damages to the vehicle itself caused irrespective of the guilty party.

• Unlawful taking of the whole vehicle through force
• Theft of the whole vehicle
• Road accident
• Fire, explosion, short circuit
• Malicious acts by third parties
• Natural disasters

If you choose to include this cover, it is compulsory that the insurance is taken out for all seats in the vehicle. Insuring only part of the seats is not permitted. Such a choice shall be permitted only when the passenger seats in the vehicle are insured under a compulsory insurance “Personal injury of passengers in public transport”.

Cover – death by accident, permanent loss of work capacity because of an accident, temporary loss of working capacity because of an accident and medical expenses incurred by an accident.

The limit of the insurance amount for one passenger seat is the same for all passenger seats and is optional for the person taking out the insurance!

• Expenses for the provision of technical assistance and the transportation of the motor vehicle to the place of residence
• Expenses for the transportation of the insured persons to a hospital
• Hotel expenses
• Expenses for emergency medical treatment resulting from a road accident
• Expenses for the repatriation of a deceased body