Complete Guide to Mandatory “Civil Liability” Insurance
“Civil Liability” Insurance is mandatory for every car owner in Bulgaria.
It covers damages you cause to other people (their cars, property, or health).
It does not cover your own vehicle – for that, you need a Casco insurance.
The price depends on your car, driver profile, region, and history of violations.
Without a policy, you risk fines, license plate removal, and significant financial liabilities.
Through Trusti.bg, you can purchase the insurance fully online in just a few minutes.
1. What is “Civil Liability” Insurance?
This is a legally required insurance; without it, you are not allowed to drive.
It ensures that if you cause an accident, the affected parties will receive compensation.
Legal basis:
- Articles 461 and following of the Insurance Code
- Regulations of the Financial Supervision Commission (FSC)
In other words, the state requires it to protect not only yourself but also other road users.
2. What does the insurance cover?
Covers:
- Material damage to other vehicles and property
- Medical expenses of injured persons
- Temporary or permanent disability
- Compensation for death
- Legal costs in claims
Does not cover:
- Damage to your own car
- Theft or fire of your vehicle
- Natural disasters (hail, floods, etc.)
- Injuries to the driver
3. Who is required to have it?
- Every owner of a motor vehicle registered in Bulgaria
- Every vehicle driving on the roads
- Vehicles temporarily exported abroad (green card required)
Even if you do not drive the vehicle, if it is registered and has plates → it must have insurance!
4. How is the price calculated?
The price of “Civil Liability” insurance varies depending on:
- Driver age – younger drivers pay more (higher risk)
- Vehicle – engine capacity, power, brand
- Region – cars registered in Sofia or Varna → higher risk, higher price
- Driver history – previous accidents or violations → higher price
Use our online calculator to see the exact price for your vehicle: Trusti.bg Civil Liability Calculator
5. How to buy “Civil Liability” online?
Through Trusti.bg, the process is very simple:
- Enter your vehicle details in the calculator
- Get a comparison of offers from all insurers
- Choose the best price and conditions
- Pay online
- Receive the policy by email instantly
No need to visit an office or call a broker. Everything is digital.
6. What happens if you drive without insurance?
- Fine: 250 – 2000 BGN
- License plate removal
- Vehicle can be stopped from circulation
- In case of an accident: you pay all damages out-of-pocket (can reach hundreds of thousands BGN)
7. Renewing your “Civil Liability”
- The policy is valid for 12 months
- Can be renewed online via Trusti.bg in minutes
- We send reminders so you don’t miss the deadline
8. Difference between “Civil Liability” and Casco insurance
| Feature | Civil Liability | Casco |
|---|---|---|
| Mandatory? | Yes | No |
| Protects | Other road users | Your vehicle |
| Covers | Material and bodily damage to third parties | Theft, fire, disasters, damage to your car |
| Price | Lower | Higher |
| Suitable for | All drivers | Owners of new/high-value cars |
9. Frequently Asked Questions
Can I insure a car with canceled registration?
No, registration must be restored first.
Average cost of Civil Liability?
Between 200 and 500 BGN per year, depending on the vehicle and driver.
When does the policy take effect?
From the date and time specified in the contract (can be immediate).
Can I transfer the insurance if I change my car?
No – a new vehicle requires its own policy.
What if I have an accident abroad?
Valid throughout the EU and other countries with a green card.
10. Useful Links
“Civil Liability” insurance is not just a legal formality. It is a guarantee of peace of mind and protection – both for you and everyone else on the road.
With Trusti.bg, you can get it quickly, conveniently, and fully online.
Author: Vasilena Cholakova, Executive Director
Vasilena Cholakova is the co-founder and CEO of Trusti.bg with extensive international experience in strategy and data analysis. She led strategy for Uber Eats in EMEA and previously worked at Covestor (now Interactive Advisors) and the European Commission. As a blog author at Trusti.bg, she shares knowledge and useful tips on insurance and personal finance.
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