Motor Third Party Liability Insurance
Owning a car or any motor vehicle means enjoying freedom on the road — and with that freedom comes responsibility. By law, every vehicle driven on public roads must have Motor Third Party Liability Insurance. This essential coverage protects you from unexpected expenses if your vehicle causes property damage or non‑property damage to another person. It’s your financial safety net — and their peace of mind.
Your Motor Third Party Liability Insurance is valid for one full year, ensuring continuous protection every time you start the engine.
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Go to shop.lev-ins.com;
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Enter your vehicle information and your personal details to get started.
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Select the start date of your policy and review the estimated indicative prices, based on your preferred payment method — lump sum or in installments.
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After selecting your payment method and clicking 'Continue', you’ll be taken to a page where you can review and verify your details, along with the final premium of your insurance policy.
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Check that all your details are correct, then you can proceed to secure online payment by debit or credit card.
The Insurance covers the liability of insured individuals and legal entities for property damage and personal injury caused to third parties in connection with the ownership and/or use of motor vehicles, whereby the insured are liable under Bulgarian law or the legislation of the country in which the claim occurred. Member States of the European Union, all countries of the European Economic Area, as well as Andorra, Serbia, and Switzerland.
Pursuant to Article 492 of the Insurance Code, effective as of December 7, 2018, the mandatory minimum insurance coverage (limits) for each occurrence are as follows:
- For non-property and property damage resulting from bodily injury or death: EURO 5 327 661.40 / BGN 10,420,000 per event, regardless of the number of injured persons.
- For property damage (tangible): EURO 1 073 712.95 / BGN 2,100,000 per event, regardless of the number of injured parties.
- A toll-free helpline 0800 10 200 for assistance in the event of a traffic accident.
- A road assistance team visit.
- An opportunity to purchase Roadside Assistance ad-on rider.
Frequently Asked Questions
Go to www.shop.lev-ins.com and fill in the necessary information to take out a policy online:
Enter your personal identification number or company registration number for legal entities.
Enter the registration number of the vehicle in Latin characters and without spaces.
Enter the registration number (consisting of 9 digits and located in the lower right corner of Part I of the certificate (large registration card) or on the right side, above and below Part II of the certificate (small registration card).
Select the purpose of the motor vehicle - from the drop-down menu, specify what the vehicle is used for.
Press the See price button to continue.
A new screen will appear where you must enter the following information:
PERSONAL DATA
Enter your full name in Cyrillic (for individuals)
Enter your full name in Latin (for individuals)
Enter your email address where you will receive confirmation of the insurance policy.
Add your current address details:
country;
region;
municipality;
town;
address for delivery of insurance documents.
Leave a current telephone number where you can be reached.
Press the Save button to proceed to the next step.
On the screen that loads, you will see estimated, indicative insurance prices (insurance premium) depending on whether you prefer a one-time payment or an installment plan. To continue:
SELECT THE DATE OF EFFECT OF THE INSURANCE
From the calendar, select the date on which you want the civil liability insurance policy to take effect (in order to take out the insurance, the effective date must be after the expiry date of the current policy).
Check the expiry date of your current policy HERE!
CHOOSE A PAYMENT METHOD
One-time payment - the insurance premium is paid in full at the time of purchase.
Payment in 2 installments - the insurance premium is paid in two installments.
Payment in 4 installments - the insurance premium is paid in four installments.
(Depending on your choice, you will see the approximate amount you need to pay - in a single payment, in 2 or 4 installments. </em >The price quoted includes contributions to the Guarantee and Security Fund, in accordance with the Insurance Code, and 2% tax on insurance premiums).
Press the Continue button.
Your details will be displayed here, as well as the final price you need to pay for your insurance.
CHECK THE POLICY DETAILS YOU HAVE ENTERED
Review the information you have entered to ensure it is completely accurate. If any corrections are needed, you can go back using the Back button and edit as necessary.
Check carefully:
the insurer's details;
the vehicle details;
the validity period;
the total premium due under the policy and the selected payment method.
CONTINUE TO PAYMENT
You will be redirected to online payment via the Strype system.
You can make the payment using VISA, MasterCard, American Express, or UnionPay cards. Enter the required details and make the payment.
After confirmation of successful payment, you will see information that a profile has been created with the email address you provided. The password for your account will be sent to your email address, along with instructions on what to expect from here on out in relation to your policy, ticket, Green Card, and sticker.
If you have not received an email from us, please check your spam folder. If you do not have an email from us there either, please call our 24-hour toll-free number: 0800 10 200 for assistance.
Yes, civil liability insurance is mandatory in the Republic of Bulgaria. Every vehicle must have a valid policy, regardless of whether it is used permanently, seasonally, or periodically. The obligation for civil liability insurance does not apply in cases where the vehicle has been deregistered or taken off the road and has been removed from the Traffic Police records.
Civil liability insurance is intended for individuals and legal entities and covers their liability for accidents that cause harm to other people and/or their property – bodily injury, death, or property damage.
The insurance is valid for one year, and payments can be made in 1, 2, or 4 installments.
The price of the insurance is determined according to:
- the ownership - whether the vehicle is registered to a natural or legal person;
- the type of motor vehicle (cubic centimeters);
- the territory in which the vehicle will be driven;
- the age of the driver.
To take out your insurance, all you need is your vehicle registration certificate.
Check you policy validity here. If you have MTPL and/or motor insurance with LEV INS, you can send an SMS with the text INS + your registration number to 1917.
A "Green Card" is a certificate attached to civil liability insurance and covers the liability of the driver of a motor vehicle in a third country in the event that he/she is at fault for causing property damage and/or non-property damage to third parties. A Green Card is issued together with motor vehicle liability insurance at no additional premium.
The insurance covers the territory of the Republic of Bulgaria, European Union member states, all countries in the European Economic Area, Andorra, Serbia, and Switzerland, as well as the territory of any third country included in the Green Card international agreement.
The countries included in the international Green Card agreement are: Albania, Ukraine, Belarus, Serbia, Tunisia, Belarus, Turkey, Israel, Bosnia and Herzegovina, Iran, Macedonia, Moldova, Russia, and Morocco.
Yes, you can apply for your Green Card at any LEV INS office in the country.
Information and steps to take in case of a traffic accident in Bulgaria can be found here: WHAT TO DO IN CASE OF A TRAFFIC ACCIDENT IN BULGARIA.
In the event of an accident with injured persons on the territory of the Republic of Bulgaria, immediately call the emergency toll-free number of LEB INS: 0 800 10 200. When you call, you can count on:
- Logistical assistance (Traffic Police, Emergency and Roadside Assistance);
- Legal assistance and guidance.
In the event of an accident, immediately call the LEV INS emergency toll-free number: +359 800 10 200, where you will receive instructions from our expert on what steps to take next and how to protect your rights in an unfamiliar environment.
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