Car insurance cover abroad – Bulgaria
Affected by Brexit?
Insurance cover for motor vehicles abroad (Bulgaria)
If you are involved in an accident/incident, you are required by law to contact the local police to report the following: road accidents involving other vehicles, accidents with no third-party involvement, malicious damage (broken lock, broken glass), theft from the car or stolen vehicle.
The procedure for making claims on the other driver's insurance includes: contacting the other driver's third-party insurance provider; making the vehicle available for inspection at the place designated by the insurance provider. You must provide the following: a document issued by the competent authorities certifying the occurrence of the accident concerned, a valid driving licence and a registration document. If you are not the owner of the car, you must produce the owner's notarised letter of authorisation allowing you to drive the vehicle and to receive the insurance settlement. Choose the method of settlement: repairs to be carried out at an authorised garage, payment to be made on the basis of an invoice or expert estimate. For this purpose you need to provide details of the bank account into which payment is to be transferred.
You must use the appropriate official form for your statement concerning the accident.
If you do not have the requisite form to hand, you should note down the following facts while you are still at the scene of the accident:
- date and place of the accident;
- details of any injuries, material damage, witnesses (be sure to take down their contact details);
- particulars of the other driver (e.g. name, address, phone number);
- particulars of the other driver's insurance (including policy number);
- details of the other driver's vehicle and any trailer (registration number, country of registration, make and model);
- contact details of the police officers to whom the accident was reported;
- circumstances of the accident.
The minimum insurance cover in Bulgaria is:
- for pecuniary and non-pecuniary loss caused by personal injury or death — BGN 10 000 000 for each insured event, whatever the number of injured parties;
- for damage to property (material items) — BGN 2 000 000 for each insured event, whatever the number of injured parties.