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Frequently Asked Questions

When is an inspection mandatory for motor CASCO insurance for individual clients?

An inspection for motor CASCO insurance is not required for:

  • Brand new vehicles;
  • Renewal without interruption of a motor casco insurance policy with Euroins AD.
However, GPS installation may still be required for your vehicle. Please check with your servicing agency or the Corporate Center!

In all other cases, the inspection is mandatory.

Within what period will an insurance indemnity be paid under a motor CASCO insurance policy for individual clients?

The indemnity is paid within 15 working days after all documents required to establish the circumstances of the claim have been submitted.

Within what period can I file a claim under a motor CASCO insurance policy for individual clients?

The general terms and conditions of the insurance policy specify the time limits depending on the type of insurance event.
For example, in the case of "Fire," "Theft," or a claim abroad under a motor CASCO insurance policy, you must notify us immediately, as well as the relevant authorities.
You can find more information in the "Claims" section.

I sold my car. Do I need to notify you if I have a motor CASCO insurance policy for individual clients? And what about the buyer?

Both the seller and the buyer are required to notify the insurer in writing of the transfer within 7 (seven) days.

How can I use the “Replacement Car” service under a motor CASCO insurance policy for individual clients?

You can use the “Replacement Car” service if, when taking out motor CASCO insurance, you selected the “Authorized Service” option for repairing damages.

Where can a vehicle inspection be carried out for motor CASCO insurance for individual clients?

A vehicle inspection for taking out motor CASCO insurance can be done at any Euroins agency.
 
 

Where can I file a claim under a motor CASCO insurance policy for individual clients?

Online here or at any claims center of Euroins.

How can I take out motor CASCO insurance for individual clients?

Motor CASCO insurance can be taken out at any Euroins agency or through insurance intermediaries who are our partners.

Who is motor CASCO insurance for individual clients suitable for?

The insurance is suitable for any vehicle with Bulgarian registration.

What should I do in the event of a claim under a motor CASCO insurance policy for individual clients? Who should I notify and how?

In the event of an insurance incident, notify us immediately by phone at 0700 17 241 (available 24/7).
Information about the required actions and deadlines for filing claims under different types of insurance can be found in the "Claims" section.

Is a sticker issued for motor third-party liability insurance for individual clients?

Currently, the motor third-party liability insurance sticker is placed on the front windshield of the car.

I sold my car. Do I need to notify you if I have a motor third-party liability insurance policy for individual clients? And what about the buyer?

Both the seller and the buyer are required to notify the insurer in writing of the transfer within 7 (seven) days.

What should I do in the event of a claim under a motor third-party liability insurance policy for individual clients? Who should I notify and how?

In the event of an insurance incident, notify us immediately by phone at 0700 17 241 (available 24/7).

Information on the required actions and deadlines for filing claims under different types of insurance can be found in the "Claims" section.

Within what period will an insurance indemnity be paid under a motor third-party liability insurance policy for individual clients?

The indemnity is paid within 15 working days after all documents required to establish the circumstances of the claim have been submitted.

Within what period can I file a claim under a motor third-party liability insurance policy for individual clients?

The general terms and conditions of the insurance policy specify the time limits depending on the type of insurance event.

For example, in the case of "Fire," "Theft," or a claim abroad under a motor casco insurance policy, you must notify us immediately, as well as the relevant authorities.

You can find more information in the "Claims" section.

Does motor third-party liability insurance for individual clients apply abroad? What should I do when traveling abroad with a car?

Motor third-party liability insurance is valid in all countries that are members of the “Green Card” system. The “Green Card” certificate is issued together with the policy at no additional premium and is valid for the period for which the insurance premium has been paid. If you pay the premium in installments, you will receive a certificate with each installment payment.

Where can I take out motor third-party liability insurance for individual clients?

Motor third-party liability insurance can be taken out at any Euroins agency, online, or through insurance intermediaries who are our partners.

What should I do if I am involved in a traffic accident abroad and have a valid motor third-party liability insurance policy for individual clients?

Immediately notify us by phone at 0700 17 241 or by email at likvidacia@euroins.com and follow our instructions.

Attached to your policy, you will find guidelines on what to do in the event of a claim under the green card. Inform the local authorities and do not sign any document in a foreign language with unclear content.

Where can I take out Driver and Passenger Accident Insurance for individual clients?

You can take out the insurance at any Euroins agency, as well as through insurance intermediaries who have an active contract with the company.
Motor third-party liability insurance and travel insurance can also be purchased online on the company’s website at euroins.bg or through the MyEuroins portal.

What happens in case of an unpaid installment for corporate “Motor Third Party Liability” insurance?

When the policy is concluded with a single payment, it is terminated if the insurance premium has not been paid or has been only partially paid by the hour and date of the policy’s start.

In case of installment payments, the policy is terminated if the first installment has not been paid or has been partially paid at the exact start time. If subsequent installments are not paid, the coverage under the corporate policy is terminated at 24:00 (midnight) on the 15th day after the due date of the unpaid or partially paid installment, unless otherwise agreed.

When is an inspection of company vehicles mandatory under Motor Casco insurance?

An inspection is mandatory when taking out insurance for new corporate vehicles, as well as when renewing a policy after a lapse. For fleets exceeding a certain number of vehicles, a centralized on-site inspection at your company can be arranged to facilitate the process.

An inspection under “Motor Casco” is not required for:

  • brand new vehicles;
  • renewal without interruption of a “Motor Casco” policy with Insurance Company Euroins AD.

Regardless of this, installation of a GPS device may be required for your vehicle. Please check with your servicing agency or Corporate Center.

Can I purchase Roadside Assistance Insurance independently for individual clients?

No, “Roadside Assistance” can only be taken out as an addition to a Combined Motor Third-Party Liability insurance policy.
 
 
 

When does the insurance contract for Roadside Assistance Insurance for individual clients come into effect?

The insurance contract comes into effect from the date specified in the policy, provided that the insurance premium or the first installment has been paid, in the case of an agreed installment plan.

How can I pay the premium for Roadside Assistance Insurance for individual clients?

You can pay the insurance premium online on the company’s website at euroins.bg or through the MyEuroins portal, in person at any Euroins agency, or by bank transfer to the account indicated in your insurance policy.
When paying by bank transfer, you must include your insurance policy number in the payment reference.

Where can I take out Roadside Assistance Insurance for individual clients?

You can take out the insurance at any Euroins agency, as well as through insurance intermediaries who have an active contract with the company.
Motor third-party liability insurance and travel insurance can also be purchased online on the company’s website at euroins.bg or through the MyEuroins portal.

When does the insurance contract for Driver and Passenger Accident Insurance for individual clients come into effect?

The insurance contract comes into effect from the date specified in the policy, provided that the insurance premium or the first installment has been paid, in the case of an agreed installment plan.

How can I pay the premium for Driver and Passenger Accident Insurance for individual clients?

You can pay the insurance premium online on the company’s website at euroins.bg or through the MyEuroins portal, in person at any Euroins agency, or by bank transfer to the account indicated in your insurance policy.
When paying by bank transfer, you must include your insurance policy number in the payment reference.

How can I cancel a motor third-party liability insurance policy for individual clients?

According to the Insurance Code, motor third-party liability insurance does not terminate except in the following cases:

  • Expiration of the period for which it was taken out;
  • Total damage to the vehicle, where the cost of repairs exceeds 70% of its actual value;
  • Cancellation of the registration of the insured vehicle;
  • Change of ownership of the insured vehicle within 7 days from the date of sale.

Can I choose my own lawyer under a legal assistance insurance policy for traffic accidents for individual clients?

Yes, provided that the lawyer is from the list pre-approved by the insurer.

When do I receive coverage under a legal assistance insurance policy for traffic accidents for individual clients?

From the moment a pre-trial proceeding is initiated or from the date of receiving a statement of claim.

Can the insurer refuse me legal representation under a legal assistance insurance policy for traffic accidents for individual clients?

Yes – if the notification is delayed by more than 7 working days or only in cases involving material damages or losses that are an excluded risk under motor third-party liability insurance.

When does the insurance contract for legal assistance in traffic accidents for individual clients come into effect?

The insurance contract comes into effect from the date specified in the policy, provided that the insurance premium or the first installment has been paid, in the case of an agreed installment plan.

How can I pay the premium for legal assistance insurance for traffic accidents for individual clients?

You can pay the insurance premium online on the company’s website at euroins.bg or through the MyEuroins portal, in person at any Euroins agency, or by bank transfer to the account indicated in your insurance policy.
When paying by bank transfer, you must include your insurance policy number in the payment reference.

Where can I take out legal assistance insurance in traffic accidents for individual clients?

You can take out the insurance at any Euroins agency, as well as through insurance intermediaries who have an active contract with the company.
Motor third-party liability insurance and travel insurance can also be purchased online on the company’s website at euroins.bg or through the MyEuroins portal.

When does a motor CASCO insurance policy for individual clients come into effect?

The insurance contract comes into effect from the date specified in the policy, provided that the insurance premium or the first installment has been paid, in the case of an agreed installment plan.
For motor CASCO insurance, the policy becomes effective after the vehicle inspection has been carried out and the GPS installed, in cases where it is required.

How can I check if I have a valid motor third-party liability insurance for individual clients with Euroins?

You can check by calling our hotline at 0700 17 241 or through the verification website here.

When is the CASCO inspection mandatory?

CASCO inspection is not required for:

  • factory new motor vehicle;
  • renewal without interruption of "Motor Vehicle Casco" insurance policy in "ZD Euroins" AD.
However, your vehicle may require GPS installation. Please check with your nearest Euroins Insurance agency or Front Office in our Headquarters!

In all other cases, inspection is mandatory.

Is MTPL Insurance mandatory?

MTPL is mandatory by law for every owner of a motor vehicle that is registered on the territory of the Republic of Bulgaria and is not immobilized.

Where can I buy MTPL insurance?

Motor Third Party Liability insurance can be taken out at any Euroins office , online  or through our partner insurance intermediaries.

How do I check if I have valid MTPL insurance in Euroins?

You can check on tel. 0700 17 241 or through the website.

Are there penalties for driving without MTPL Insurance?

Yes. Driving a car without valid MTPL insurance is a violation of the law and the sanctions are determined by Bulgarian legislation.

Do I need to put on the MTPL Sticker on my windshield?

Yes, the MTPL sticker needs to be put on the windshield of the car.

What happens in the event of an unpaid Motor Third Party Liability insurance?


When taking out the policy with a single instalment, it is terminated when the insurance premium is not or partially paid at the exact time of day indicated as its start. When taking out a policy with multiple instalments, it is terminated when the first installment is not or is partially paid at the exact time of day specified as its start. In the event of non-payment or partial payment of an installment by the due date recorded in the policy, the insurance policy coverage is terminated at 24:00 hours on the 15th day from the due date of the unpaid or partially paid deferred installment or another term expressly recorded in the policy .

Who is Motor CASCO insurance suitable for?

The insurance is suitable for any motor vehicle with Bulgarian registration.

How can I purchase Motor CASCO Insurance?

You can buy Motor CASCO Insurance at any office of Euroins Insurance JSC, as well as through insurance intermediaries who have a valid contract with the company.

Can I purchase "Roadside Assistance" separately?

No, "Roadside Assistance" can only be purchased as an addition to MTPL insurance.

Can I choose my own lawyer under "Legal Assistance in Traffic Accidents" insurance?

Yes, as long as it is from the list that is pre-approved by the insurer.

When do I receive protection under "Legal Assistance in Traffic Accidents" insurance?

From the moment of initiation of pre-trial proceedings or the date of receipt of a claim.

Can the insurer deny me legal protection if I have "Legal Assistance in Traffic Accidents" insurance?

Yes – if notification is delayed by more than 7 working days or only if there is material damage or harm that is an excluded risk under "Third Party Liability" insurance.

Who is Motor Casco insurance suitable for among business clients?

The insurance is suitable for all legal entities that own or manage company vehicles—from small businesses with a few cars to large enterprises with vehicle fleets. The policy is particularly useful for transport and logistics companies, courier services, trading companies, and organizations that use company vehicles on a daily basis.

Where are company vehicles inspected?

Inspections can be carried out at Euroins claims settlement centers. For corporate clients with multiple vehicles, it is possible to organize a centralized inspection at the company’s parking location, saving time and resources.

Are there penalties for driving without motor third-party liability insurance for individual clients?

Driving a vehicle without valid motor third-party liability insurance is a violation of the law, and the penalties are established by Bulgarian legislation.

Is motor third-party liability insurance mandatory for individual clients?

Motor third-party liability insurance is legally mandatory for every vehicle owner whose vehicle is registered in the territory of the Republic of Bulgaria and is not withdrawn from circulation.

What happens if an installment for a motor third-party liability insurance is not paid for individual clients?

When the policy is taken out with installment payments, it is terminated if the first installment is not paid or is only partially paid at the exact time of day specified as its start. If an installment is not paid or is only partially paid by the due date recorded in the policy, the coverage under the insurance policy is terminated at 24:00 on the 15th day after the due date of the unpaid or partially paid installment, or on another date explicitly specified in the policy.

Are there penalties for driving a company vehicle without valid Motor Third Party Liability Insurance?

Yes. Driving a company vehicle without a valid insurance policy is a violation of the law, and the applicable penalties are defined by Bulgarian legislation.

For businesses, this may result in financial risk and administrative fines, as well as potential liability for damages caused to third parties.

Is Motor Third Party Liability Insurance mandatory for a company fleet?

Yes, it is mandatory by law for all vehicles registered in Bulgaria that are in operation.  A corporate Motor Third Party Liability Insurance policy covers company vehicles and vehicle fleets, providing protection against liability for damages caused to third parties.

How can I pay the premium for Motor Third Party Liability Insurance for corporate clients?

The premium can be paid:
  • At any Euroins office;
  • Online at www.euroins.bg and through the MyEuroins portal;
  • Through the partner network;
  • By bank transfer (with the company policy number specified in the payment details).

Is Motor Third Party Liability Insurance valid abroad? What should I do when traveling abroad with a company vehicle?

The policy is valid in all countries that are members of the Green Card System.

The Green Card Certificate is issued together with the policy at no additional cost and provides coverage for company vehicles throughout the validity period of the insurance premium.

Where can I purchase Motor Third Party Liability Insurance for corporate clients?

Motor Third Party Liability Insurance for corporate clients can be purchased:
  • At all Euroins offices;
  • Online at www.euroins.bg;
  • Through partner insurance intermediaries.

Are there penalties for driving a company vehicle without valid Motor Third Party Liability insurance?

Driving a company vehicle without a valid policy is a violation of the law, and the penalties are defined by Bulgarian legislation. For companies, this means potential financial risk and administrative fines.

Is Motor Third Party Liability insurance mandatory for a company vehicle fleet?

Yes, it is mandatory by law for all company vehicles registered in Bulgaria that are in use. A policy for corporate clients covers company cars and fleets, ensuring protection in case of damages caused to third parties.

Where can companies purchase “Legal Assistance in Road Traffic Accidents” insurance?

The “Legal Assistance in Road Traffic Accidents” insurance is voluntary and is concluded only together with a Combined Motor Insurance policy. It can be purchased at any agency of Insurance Company Euroins AD, where our consultants will assist in selecting coverage for your fleet and completing the necessary documentation.

Additionally, the insurance can be arranged through insurance intermediaries—brokers and agents with valid contracts with the company. Corporate clients also have the option to purchase a policy online via the euroins.bg website or the MyEuroins portal.

How can corporate clients use the “Replacement Vehicle” service?

When taking out a “Motor Casco” insurance policy, you have selected the “Trusted Repair Shop” option for damage repairs. In the event of a claim involving a company vehicle, corporate clients can receive a replacement vehicle for the duration of the repair.

The service is provided according to the terms and limits agreed in the policy.

Where can companies file a Motor Casco claim?

A claim can be filed at a Euroins claims settlement center or online through on www.euroins.bg

Where can the vehicle be inspected?

You can have an inspection for concluding "CASCO" insurance at any Agency of Euroins Insurance JSC

I sold my car. Do I need to let you know? And the buyer?

The seller and the buyer are obliged to notify the insurer in writing of the transfer within 7 (seven) days.

How can I use the "Replacement car" service?

You can use the "Replacement car" service if you have selected the "Trusted Service" option when taking out CASCO insurance when repairing damage.

How can I cancel a MTPL policy?

According to the Insurance Code, MTPL insurance is not terminated, except in the following cases:

  • expiration of the term for which it was concluded;
  • in case of total damage to the car, for which the recovery of damages exceeds 70% of its actual value;
  • in the event of termination of registration of the insured motor vehicle;
  • in the event of a change of ownership of the insured motor vehicle within 7 days from the date of sale.

Does MTPL apply abroad? What should I do when traveling abroad by car?

MTPL insurance is valid on the territory of all countries that are members of the Green Card system. The "Green Card" certificate is issued together with the policy without additional premium and is valid for the period for which the insurance premium has been paid. In case you pay the premium in installments, you will receive a certificate upon payment of each installment.

What should I do if I am involved in a road accident abroad and have a valid MTPL policy?

Immediately notify us on tel. 0700 17 241 or email: likvidacia@euroins.bg and follow our instructions.

Attached to the policy are instructions on what to do in case of green card damage

Notify the local control authorities and do not sign a document in a foreign language with content that is not clear to you.

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