Machine-assisted translation — inaccuracies are possible. All contracts, policies and obligations are concluded in Bulgarian and governed by Bulgarian law.
MTPL vs Casco — what is the difference

MTPL vs Casco — what is the difference

April 16, 2026

MTPL is compulsory and covers third parties; Casco is optional and protects your own car. A comparison of the two.

The two motor insurances are often confused, but they cover different things and complement each other.

Third-Party Liability (MTPL)

Compulsory by law. Covers the damage you cause to third parties — their cars, property or health. It does not cover your own car.

Casco

Optional. Compensates damage to your own car — including damage you cause, theft, fire and natural disasters, depending on the package.

Which to choose

MTPL is necessary for everyone; Casco is recommended for new, expensive or leased cars. See MTPL and Casco.

Questions? Get a quote or call 052 603 369 — the consultation is free.

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