Motor third party liability
This insurance covers the civil liability of individuals and companies that own, hold or use motor vehicles, and of the drivers they authorise, for material and non-material damage caused to third parties in connection with owning and using those vehicles, for which the insured are liable under Bulgarian law.
Cover
The insurer covers the insured person's liability for damage caused to third parties, including pedestrians, cyclists and other road users, by owning or using a motor vehicle:
- non-material and material damage resulting from bodily injury or death;
- damage to other people's property;
- loss of profit that is a direct and immediate result of the damage;
- reasonable costs of making the claim, including court costs awarded against the insured person.
Compensation cannot exceed the minimum sums insured set by the Bulgarian Insurance Code. You can find the current limits on the website of the National Bureau of Bulgarian Motor Insurers.
What the premium depends on
- type of vehicle;
- engine capacity;
- territorial validity of the policy;
- payment method: in full or in instalments;
- previous claims and compensation paid;
- the driver's driving experience;
- the owner's age;
- whether the owner is an individual or a company;
- the vehicle's registration, and other factors.
What you need to take out a policy
All you need is a copy of the vehicle's registration certificate (both parts). Contact us to take out motor third party liability insurance.
After a collision with another vehicle and no injuries, you can fill in an amicable report.
Motor hull
Motor hull insurance is voluntary. It covers the car against risks such as fire, natural disasters, theft of the car or of equipment fitted in it, traffic accidents (including damage while parked) and other events, according to the terms of the specific policy. Contact us for more information.
Covered risks
Depending on your choice, the policy can cover all or some of the following risks that lead to total loss of or partial damage to the insured vehicle:
- fire;
- explosion;
- natural disasters;
- breakdown;
- traffic accident;
- malicious acts of third parties;
- theft or robbery.
What the price depends on
The price is individual and depends on:
- the sum insured;
- the type of vehicle (car, truck, etc.);
- the age of the vehicle;
- the territorial validity of the policy;
- the payment method: in full or in instalments;
- previous claims and compensation paid;
- how you prefer the car to be repaired.
What you need to take out a policy
You need a copy of the vehicle registration certificate. If the car was bought new from the official importer, you also need a copy of the purchase invoice. You will also fill in a short questionnaire. Contact us for more information.
Territorial validity
The policy provides cover:
- in Bulgaria;
- abroad, with or without an additional premium, depending on the insurer.
If you have a claim
To receive adequate compensation, you must follow the insurer's requirements strictly. These differ between insurers, so Coris Bulgaria runs a 24/7 call centre where you can always get advice on the procedures and deadlines for your situation.
Tips
- If an insurance event happens, contact us or your insurer straight away.
- After a traffic accident, contact the traffic police straight away.
- If the car cannot be driven, the traffic police must come to the scene and draw up a report. Otherwise you may be given a reference number for your call.
- Do not repair the damage before the insurer has inspected it.
- Do not leave keys, documents, insurance policies or the radio panel in the car.
- Never leave the car unlocked, with windows or sunroof open, bonnet, boot or doors open, the roof down (on a convertible), the alarm off or the key in the ignition, even for a short time.