Motor Third Party Liability Insurance
If you own a car or other motor vehicle (MV) that is driven on roads throughout the country, the law requires you to have civil liability insurance. This insurance protects you by covering the costs in case your MTP causes property damage or non-property damage to other people. The term of civil liability insurance under the law is one year.
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Go to shop.lev-ins.com;
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Fill in the vehicle details and your details;
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Select the start date of the policy and familiarize yourself with the estimated, indicative prices, depending on the type of payment you prefer (one-time or in installments);
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When you select the payment method and click the "Continue" button, a page will load with your details for verification, as well as the final price 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 policy is a product for insurance protection of websites owned by legal entities. In today's digital world, a website is the face of every company, regardless of its sector, size, or market. The suspension of a website's operation can lead to both reputational damage to the company and direct financial losses due to business interruption, for example. With these risks, as with many others, Website Insurance coverage takes care of you.
The insurer's liability includes personal loss and coverage to third parties and/or the resulting expenses that are a direct and immediate consequence of the occurrence of risks covered by the insurance contract.
Coverage for the insured:
- Losses from cyber disruption of website activity as a result of a breach;
- Damage to digital assets related to the operation of the website;
- Losses from cyber extortion;
- Crisis management costs;
- Expenses resulting from breaches of the insured's website;
- Description of the main features of the product;
- Cyber incident investigation expenses;
- Coverage for regulatory notifications;
- Coverage for personal reputation and others.
Coverage for third parties:
- Third-party liability claims related to personal data privacy;
- Claims related to fines and penalties imposed in connection with the Payment Card Industry Data Security
- Standards (PCI DSS);
- Regulatory defense and penalty claims.
- Coverage includes damage caused by fire and the consequences of extinguishing it, lightning (thunder, lightning); explosion and implosion; collision or fall from aircraft and parts thereof;
- storm, hurricane, whirlwind, tornado, damage from falling branches and trees, hail and its consequences, torrential rain, flooding due to natural disasters;
- water supply and sewerage accident – damage caused by an accident involving water supply, sewerage, heating, and air conditioning systems and/or pipes is covered; sudden water leakage from sprinkler systems;
- damage to movable property during transport when changing address (with own or rented transport);
short circuit/electric shock; - impact by a motor vehicle or animal belonging to or controlled by third parties;
- earthquake;
- malicious acts by third parties;
- fire caused by malicious acts by third parties;
- vandalism and vandalism during attempted burglary of immovable property;
- terrorism;
- liability to third parties;
- broken glass;
Clause K - Theft, including:
- "K1" - Burglary and theft committed using technical means;
- "K2" - Robbery;
Cyber Security Solutions:
- Safe internet - "Safe Internet" is an insurance clause providing coverage with a liability limit of up to BGN 1,000, and at the same time is a preventive measure limiting a number of harmful effects that can reach the customer via the internet;
- "Cyber Help" - provides expert assistance in the event of a cyber threat. ZK "LEV INS" provides insured persons with a hotline for service and n
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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