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There are two types of vehicle insurance in Bulgaria:
Minimum third party liability insurance is required for all vehicles and proof must be carried at all times. All vehicles must have a policy, a card and an insurance sticker on the widescreen as proof of validity.
Insurance policies are valid for one year and are renewed annually.
A system of no claims bonus, known as bonus/malus, has been in place since 20 April 2009, this may not yet be effective with all insurance companies.
All vehicles in Bulgaria must have a third party liability insurance (Гражданска отговорност).
Go to the nearest office of any licenced insurance company with the following documents:
The year's insurance can be paid in full or in four installments.
Additional fully comprehensive insurance for theft, fire and vandalism (for example) are optional. The insurance policy can apply to Bulgaria exclusively, or be valid for Bulgaria and the rest of the EU. The premium paid depends on a number of factors including the car's age, engine capacity, make and model.
A fully comprehensive insurance policy may be compulsory if leasing a vehicle from a dealer.
The insurance company requires the following documents:
The insurance agent provides a form to be filled in, the vehicle then undergoes an inspection to check for possible dents, defects or damaged parts. The vehicle insurance is then issued.
Fully comprehensive insurance contracts are available for foreign registered vehicles as long as proof is provided to show that the vehicle is currently roadworthy in its country of registration.
Fully comprehensive insurance policies cover the following risks:
Use the Accident Report Form (Протокол за регистриране на пътнотранспортно произшествие) provided by the insurance company. This should be filled in by the responsible party and a copy given to the second driver. Each driver must have a Report Form in their car. The following should be included on the Report Form:
If the accident is serious the Accident Report Form will be filled in by the Traffic Police and a copy will be given to each person involved. Do not sign any paperwork unless certain it's understood and agreed with.
Following an accident, take the Report Form to the insurer and fill in an application form for claims, or contact the insurance company's emergency line for advice on the procedure for making a claim. Many insurance companies insist on receiving the completed report form within seven days of the accident.
The vehicle undergoes inspection and insurance is transferred to the insured person's bank account within a few days or up to two weeks. If a third party driver is responsible, their insurer will contact the insured. If the driver has complementary insurance, such as Автокаско, the insurer may provide additional services, for example a replacement vehicle.
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