# Bulgarian civil liability insurance regulatory changes

> Live situation record from CLSTR: https://clstr.news/situations/bulgarian-civil-liability-insurance-regulatory-changes
> Updated: 2026-10-18T05:42:30.000Z. Sources: 10. Developments: 3.

Bulgaria is implementing regulatory changes to its mandatory civil liability insurance market. In late 2026, officials announced the upcoming introduction of a ‘bonus-malus’ system scheduled for February 2027, designed to link premiums to driver behavior and reward clean records.

Following this, the Bulgarian Commission on Economic Policy, Investment and Industry approved amendments to the Insurance Code to increase policy flexibility. These amendments, introduced by Stefan Belchev of Progressive Bulgaria and a group of MPs, require insurers to offer terms shorter than one year—with a minimum of 30 days—for specific categories including motorcycles, mopeds, campers, caravans, slow-moving road vehicles, and self-propelled machines, as well as vehicles with temporary or transit registration.

The Bulgarian National Assembly officially approved these amendments following months of protests against rising costs. Under the new regulations, insurance companies are prohibited from refusing short-term contracts, allowing owners to opt for coverage spanning one, three, or six months. Plamen Danailov, Deputy Chairman of the Financial Supervision Commission, noted that insurers must comply once changes are published in the State Gazette or face sanctions. The updates also include revised regulations for the Guarantee Fund to enhance financial security and management. Despite the increased flexibility, some motorists expressed ongoing dissatisfaction regarding pricing, noting that even small 50cc mopeds can face high premiums of approximately 120 euros.

## Claims

- The Commission on Economic Policy, Investment and Industry approved amendments to the Insurance Code. (corroborated by 3 sources)
- Insurers must offer civil liability insurance for terms between 30 days and one year for specific vehicles. (corroborated by 3 sources)
- The shorter insurance terms apply to vehicles with temporary/transit registration, slow-moving vehicles, self-propelled machines, category L vehicles (motorcycles), and camping equipment. (corroborated by 3 sources)
- Insurers must comply with the new requirements on the day the law is published in the State Gazette. (corroborated by 3 sources)
- Insurers failing to comply with the new rules will face sanctions. (corroborated by 3 sources)
- The amendments also modify regulations concerning the Guarantee Fund to clarify financial security and management rules. (corroborated by 3 sources)
- The shorter insurance terms apply to motorcycles, campers, slow-moving road vehicles, self-propelled machines, and vehicles with temporary or transit registration. (corroborated by 3 sources)
- Insurers failing to comply with the new terms will face sanctions. (corroborated by 3 sources)
- The amendments also modify the regulations concerning the Guarantee Fund. (corroborated by 3 sources)

## Timeline

### 2026-10-18: Bulgaria approves short-term insurance options for motorcyclists

Bulgaria's National Assembly approved law changes allowing motorcycle, moped, and caravan owners to purchase short-term civil liability insurance for one, three, or six months.

3 sources. https://clstr.news/cluster/bulgaria-approves-short-term-insurance-options-for-motorcyclists

### 2026-10-07: Bulgaria approves shorter civil liability insurance terms

Bulgaria's Commission on Economic Policy has approved changes to the Insurance Code, requiring insurers to offer civil liability policies for terms between 30 days and one year for motorcycles and campers.

4 sources. https://clstr.news/cluster/bulgaria-approves-flexible-civil-liability-insurance-terms

### 2026-09-26: Bulgaria to implement bonus-malus insurance system in 2027

Bulgaria will launch a ‘bonus-malus’ system for civil liability insurance in February 2027, linking premiums to driver claims history to encourage competition and reward safe driving.

6 sources. https://clstr.news/cluster/bulgaria-to-implement-bonus-malus-insurance-system-in-2027

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Cite as: Bulgarian civil liability insurance regulatory changes. CLSTR, https://clstr.news/situations/bulgarian-civil-liability-insurance-regulatory-changes