Machine-assisted translation — inaccuracies are possible. All contracts, policies and obligations are concluded in Bulgarian and governed by Bulgarian law.

Third-Party Liability (MTPL)

Third-Party Liability (MTPL) is the compulsory motor insurance in Bulgaria. As a licensed broker we compare the quotes of the companies we work with, so you get a fair price and a fast online application.

What is third-party liability?

Motor third-party liability (MTPL) covers the damage a driver causes to third parties while using the vehicle. It is compulsory by law for every registered vehicle in Bulgaria and a condition for driving on the roads. Unlike Casco, MTPL does not cover damage to your own car.

What it covers and what it doesn't

Covers

  • property damage to third parties (other cars, property, infrastructure);
  • material and non-material damage in case of injury or death of third parties;
  • liability within the legal limits in force at the time of the event.

Does not cover

  • damage to your own car (that is the subject of Casco);
  • damage caused intentionally or while driving without a licence or under the influence.

The specific cover and exclusions are set by the insurer's General Terms and the applicable legislation.

How the price is formed

  • vehicle characteristics (engine size and power, type, weight);
  • region of registration and the owner's place of residence;
  • the owner's age and history, and the bonus-malus class;
  • method of payment — single or in instalments.

Each insurer weighs these factors differently, so prices for the same car can vary — which is why comparing several quotes pays off.

Documents needed

  • vehicle registration certificate;
  • owner's details (ID / company number);
  • for bonus-malus transfer — details of the previous policy.

Why use a broker

A broker works on your side, not for a single company — so you can compare more than one offer, understand the cover and choose by your real risk and budget.

FAQ

Can I take out MTPL online?
Yes — send a request via the quote form and a consultant will help you compare and apply.

How much does MTPL cost?
The price is individual; the exact amount is shown after a quote for the specific car and owner.

MTPL vs Casco?
MTPL covers third parties and is compulsory; Casco is optional and covers your own car.

This information is general and for information purposes only. It is not individual advice and does not replace the insurer's General Terms. Cover, exclusions and prices are set by the specific insurer and applicable law. DENMAR BROKERS Ltd is a licensed insurance broker.

Get a quote Call 052 603 369

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