Motor third party liability

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Auto insurance

Motor third party liability

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What is Motor third party liability (MTPL) insurance?

This is a mandatory insurance for every car which covers property and non-material damages caused at a driver’s fault.

Why order from us

We will not only provide you with a good deal, but also a recommendation for a reliable insurance company. You can also take advantage of our special Motor third party liability and Auto Casco insurance packages, which include discounts, delivery of the concluded policies and transportation of the car for inspection and repair of the damages.

Coverage

Non-material damages to third parties - this includes drivers of other vehicles, as well as pedestrians and cyclists;
Property damage to other cars or property.

Attention: In the event of a road accident guiltily caused by the driver himself, the driver does not receive any compensation on the Motor third party liability insurance for property or non-material damages.

Territorial coverage

Where is the Motor third party liability insurance valid:

On the territory of Bulgaria;
In the EU countries - Belgium, Denmark, Germany, Estonia, Greece, Spain, France, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Hungary, Malta, Austria, Poland, Portugal, Slovenia, Slovakia, Finland, Sweden, Czech Republic, the United Kingdom and Northern Ireland, the Netherlands, Romania, Croatia;
In the EEA countries - Iceland, Liechtenstein, Norway, Andorra, Switzerland and Serbia.

For the other countries that are also part of the Green Card system - Turkey, Bosnia and Herzegovina, Ukraine, Albania, Macedonia, Montenegro, Moldova, Russia, Belarus, Israel, Morocco, Iran, Tunisia, a Green Card certificate is required. It should be issued free of charge under the Motor third party liability insurance.

Attention: Kosovo is not a part of the Green Card system, so it is necessary to purchase an additional insurance at the border checkpoint.

Conclusion and price

The insurance period is one year. There are two payment options - a one-time payment or in two/four installments. The factors that influence the pricing of the Motor third party liability insurance are:

Cubic capacity of the engine for passenger cars;
Total weight for trucks;
The place where the car is registered;
Driver’s age;
Violations committed;
What is the car used for (the insurance for training cars and taxi cars are more expensive);
Having another insurance in the same company.

Questuions and Answers

If you want to receive a price offer, please use the enquiry form above.

The Green Card Certificate is an internationally recognised document that is issued together with a valid Motor third party liability insurance. It covers the driver’s liability if he/she is guilty of causing a road accident in a foreign country within the Green Card system. The certificate must be issued, free of charge, at the time of concluding the Motor third party liability insurance. If no certificate has been issued to you and if you are going to be traveling abroad, you may request that it be issued, at no charge, by providing a valid Motor third party liability insurance policy.

It is recommended that you always carry the certificate with you when leaving Bulgaria. The certificate is mandatory for non-EU and non-EEA Green Card countries (Turkey, Albania, Montenegro, Belarus, Bosnia and Herzegovina, Ukraine, Russia, Israel, Morocco, Macedonia, Moldova, Iran, Tunisia).

The Insurance Code provides for a 15-day grace period only in the cases where the policy includes payment in installments. That is, if you are late on a payment, the Motor third party liability insurance will still be valid within 15-day period, and although payment is overdue, you can still make it. After the expiration of the grace period, the insurance will be automatically terminated without notice.

It is your responsibility to check the validity of the policy and the installments. For your convenience, we make sure to remind our clients by sending an sms about the upcoming payment on the Motor third party liability insurance.

Having a Motor third party liability insurance is a must, regardless of whether you are driving or not driving your car all the time. Even if you drive only in the warm months or if the car is damaged or in repair, you must have a policy for the whole year, otherwise you will receive a notification from the Guarantee Fund. If you do not pay on time, the car will be officially deregistered (which means that the car cannot be driven).

Vehicles such as motorcycles, mopeds, caravans and campers are not subject to a mandatory annual Motor third party liability insurance - there is a seasonal policy option for them. Motor third party liability insurance is not necessary in the event that the car is no longer included in the reports, i.e. it is deregistered or immobilised under the relevant procedure of the traffic police.

A car registration certificate is required to take out the insurance (preferably the bigger one, if the car does not have the new small certificate containing the entire information). If you don’t carry it with you, you might as well provide the old policy.

When ordering online, all you have to do is enter your car details and data.

In the cases where the road accident occurred between two cars, there is an agreement between the drivers on the guilty party, there are no injured persons and damaged other property (besides the two vehicles), it is possible to proceed to the completion of the bilateral protocol of findings, which you should have received at the time of taking out the Motor third party liability insurance. In all other cases, call 112 and the traffic police. The bilateral protocol of findings is a document in duplicate copies, to be filled in by the drivers, after which each of them must receive one copy. The entire information must be filled in correctly, a sketch of the accident with the road signs must be drawn, and the signatures of the guilty (party A) and innocent (party B) driver must be affixed.

IMPORTANT: If you have a valid Auto Casco insurance, contact the insurer, as very often this is a condition for payment of compensation.

To make a claim under the Motor third party liability insurance, you must visit the office of the insurer of the guilty driver, providing a document certifying the event - bilateral protocol of findings or a report of the traffic police, car registration certificate, certificate for annual technical inspection, driving licence and a Motor third party liability insurance policy.