Iva Falina, Executive Director of EIG, to "Standart": “Euroins’ combined policy offers much more than Third-Party Liability insurance.”

At first glance, Euroins’ “Third-Party Liability” insurance is like a tax — whether you want it or not, it’s mandatory, and you pay for it, no matter where or from whom, usually at a low, affordable price. This is the initial mindset of most consumers toward mandatory insurance. Skepticism around the topic is well-known and longstanding.

It seems as if even the insurers themselves rarely make an effort to offer something extra or more interesting. Well, there are exceptions. Euroins strives to challenge traditional attitudes and provide more than “just the mandatory.” First and foremost, however, the choice of where to purchase the policy isn’t just a matter of the lowest price. Of course, the premium matters, but even more important is how financially stable and reliable the insurer is — whether they pay adequate and timely compensation in the event of a traffic accident (RTA). The Third-Party Liability policy protects the at-fault party in a traffic accident — the driver of the vehicle — from subsequent financial claims. At the same time, it protects the victims involved, who suffer material damages, pain, and suffering. The costs of compensating victims of traffic accidents are also significant, and it is precisely the insurer who ensures these payments if you hold this policy. Timely compensation is of critical importance.

Choosing a company that is reliable, offers good service, and pays fast and adequate compensation are definitely factors that favor Euroins. And that’s not all.

Many Risks, One Insurance

Equally important are the additional coverages and benefits that Euroins clients can receive. The combined car insurance policy allows anyone who has purchased Third-Party Liability insurance with the company to choose from a variety of additional coverages. With Euroins’ Third-Party Liability insurance, you can expand your coverage for a minimal premium by selecting one or more optional add-ons, such as: Legal Assistance in a Traffic Accident, Accident Coverage for Vehicle Occupants, or Roadside Assistance.

One of the most useful additional coverages is “Legal Assistance in a Traffic Accident,” which provides legal consultations and access to attorney services in the event of an accident with injured parties. If you are involved in a traffic accident with injured individuals in Bulgaria, you will receive professional legal assistance. You choose a licensed attorney from a list pre-approved by the insurer. You can use the attorney services fully or just for consultation, depending on your needs.

Other valuable add-ons to the combined car policy include “Driver and Passenger Accident Insurance” and “Roadside Assistance.” The Accident coverage provides compensation for all individuals in the insured vehicle, including the driver. Compensation is paid for temporary or permanent incapacity, hospital treatment, medications, and outpatient care following a traffic accident. This additional coverage is also valid during travel in European Union countries, as well as in North Macedonia, Serbia, and Turkey.

The “Roadside Assistance” add-on from Euroins covers vehicle repatriation after a traffic accident, as well as a preventive annual technical inspection. The service is offered in partnership with the Bulgarian Automobile Union (BAU). There is no need to pay upfront and wait for compensation — expenses are covered immediately by Euroins and the assistance company.

Choose Your Destination

The Euroins Third-Party Liability policy is issued together with a “Green Card” certificate — an international document that covers the driver’s liability in case of an accident in another country. This means that with a Bulgarian policy, you can travel freely to countries that are part of the Green Card system, including all EU countries, Serbia, North Macedonia, Turkey, and Switzerland.

“The Euroins combined policy, which offers much more than Third-Party Liability, is designed for people who drive and travel, taking into account every risk and protection worth offering. Purchasing the policy is made as simple as possible, and with just a few clicks via my.euroins.bg, you can easily choose additional policies, coverage options, and purchase other insurance products offered by Euroins. Flexible payment terms and online sales are designed for convenience, saving time and effort. Reporting a claim and submitting information is made as easy as possible, with daily efforts to speed up document processing and fully digitize our processes,” commented Iva Falina, Executive Director of Euroins Insurance Group.

Since the launch of the my.euroins.bg portal, interest in purchasing insurance online has been growing, and now a large part of our clients prefer this channel. New products and features are continuously being added to the portal, so soon every Euroins policy will be fully purchasable online, with wide options for coverage, insured amounts, and payment methods.

Convenient Payment

At Euroins, Third-Party Liability insurance can be paid in installments, and the company sends a notification before each payment. For convenience, log in to my.euroins.bg, where you can purchase a policy at any time, access information, and track the deadlines of your existing insurance policies. The online portal allows you to purchase all Euroins insurance products described on the platform. With a Euroins policy, you are automatically registered in the portal. When purchasing online, you only need to provide an address where our courier will deliver the physical documents and vehicle sticker, while digital copies of all documents will be sent to your email.

Through the MyEuroins portal, you can monitor information about all policies you have with the company, filed claims, and expiring deadlines. This way, before heading out, you can quickly purchase travel insurance in Bulgaria, international travel insurance, Trip Cancellation insurance, and all other services offered via my.euroins.bg.