Motor Third Party Liability in Burgas
Motor Third Party Liability is compulsory for every vehicle registered in Bulgaria — but the price differs from insurer to insurer and can vary by more than 40% for the same car and driver. As a broker we check the price with every insurer at once and tell you which is the best value, at no extra cost to you.
- Licensed broker, FSC №812-ЗБ
- Free consultation
- We reply within 30 minutes in working hours
What it covers
Damage to third parties
Covers the material and non-material damage you cause to other road users — other vehicles, pedestrians, passengers, buildings and property. That is exactly why the cover is compulsory: it protects the injured party, and protects you from paying compensation out of your own pocket.
Valid across the EU
A Bulgarian policy is valid in every European Economic Area country at no extra charge. For countries outside the EEA (Turkey, Serbia, North Macedonia and others) you need a Green Card, which we issue together with the policy.
Liability limits
The statutory minimum limits are identical at every insurer — they are set by the Insurance Code, not by the company. So the difference between quotes is only price and service, never cover. That is precisely what makes comparing so worthwhile.
What it does not cover
- Damage to your own vehicle — that requires Casco cover.
- Damage caused deliberately, or while driving under the influence of alcohol or drugs.
- Driving without a valid licence, or a vehicle without a valid roadworthiness test.
- Damage arising during races or track testing.
What we need to quote
- Vehicle registration certificate.
- The owner’s ID card.
- The driver’s licence (where a no-claims discount applies).
- Details of your previous policy, if any — to check your bonus-malus.
Why through Soners
- We compare the price across 10+ insurers in minutes — you get one clear recommendation, not ten quotes to read.
- We arrange payment in 2, 4 or 12 instalments wherever the insurer offers it.
- We issue the policy in our Burgas office or entirely remotely — by phone, Viber or email.
- We remind you before expiry so you are never uninsured and never fined.
- If you have a claim we act on your side with the insurer — we help you file it and follow the case.
About the price
We do not publish a “from…” price, because for Motor Liability such a figure means nothing — your price depends on the vehicle, the driver and your history. We calculate it free and with no obligation.
Frequently asked questions
The price depends on engine size, the owner’s age and registered address, claims history (bonus-malus) and the insurer. For the same car, the gap between the cheapest and the most expensive quote is often over 40%. That is why we do not publish a fixed price — call us or leave an enquiry and we will come back with your actual price at every insurer.
Yes. You send a photo of the registration document, we send back the quotes, you choose and pay by bank transfer or online. The policy arrives by email and is valid immediately — the sticker and Green Card are couriered to you or collected from the office.
Bonus-malus is the system that accounts for your claims history. If you have caused no accidents you get a discount; if claims have been paid out, the price rises. The system is market-wide, but each insurer applies different coefficients — another reason prices differ.
Driving without a valid policy is an offence carrying a fine, and the vehicle can be taken off the road. The more serious issue is different: in an accident that is your fault you pay all compensation personally, and the Guarantee Fund subsequently recovers it from you.
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