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UAE → Bulgaria

Insurance for a UAE-Registered Vehicle Traveling to Bulgaria

A vehicle registered in the United Arab Emirates must have valid third-party liability insurance to be driven in Bulgaria. Depending on the documents already available, border insurance (OC graniczne) may be issued.

Important: The policy must be valid in Bulgaria on the date of entry and throughout the entire period the vehicle is used there. Insurance issued for Bulgaria does not replace any policies that may be required in transit countries, nor does it allow the vehicle to use toll roads without a valid vignette.
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Eligible

For UAE-Registered Vehicles

Border insurance may be issued for a vehicle with UAE registration plates that is entering Bulgaria temporarily.

Check in Advance

Insurance for Transit Countries

A policy valid in Bulgaria may not cover the full journey from the UAE. Insurance coverage must be checked separately for every transit country.

Not Comprehensive Insurance

Damage to Your Own Vehicle

Border insurance covers third-party liability. It does not cover theft, mechanical breakdown, or damage to the insured vehicle itself.

Eligibility

When UAE → Bulgaria Insurance Is Suitable

This page applies to vehicles registered in the UAE and used temporarily in Bulgaria. Vehicles registered in other countries are subject to different requirements and must be reviewed separately.

This Policy May Be Suitable

  • the vehicle is registered in the UAE;
  • Bulgaria is included in the planned route;
  • there is no other valid insurance policy recognized in Bulgaria;
  • a legible vehicle registration document is available;
  • the insurance is arranged before entry into Bulgaria or before the vehicle is first used there.

This Option Is Not Suitable

  • the vehicle is registered in a European Economic Area country;
  • you need coverage for damage to or theft of your own vehicle;
  • you only need insurance for Turkey or another transit country;
  • you need the policy to be issued retroactively;
  • the vehicle details cannot be verified from official documents.

Route to Bulgaria

Check Insurance Coverage for the Entire Journey

When traveling overland from the UAE, the vehicle may cross several countries before entering Bulgaria. Border insurance issued for Bulgaria must not be assumed to be valid in Turkey, Serbia, North Macedonia, or any other transit country. Coverage must be checked separately for every country on the route.

Check Your Route

Territorial Coverage

Is the Policy Valid in Bulgaria?

The policy is valid in Bulgaria if Bulgaria is listed in the insurance document as a covered country and the policy period has already begun. Before traveling, verify the territorial coverage shown in the issued policy.

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Documents

Documents Required for a UAE-Registered Vehicle

The main vehicle details are taken from the registration document. If the document contains information in Arabic, the registration number, VIN, make, and owner details must still be clear and unambiguous.

Vehicle

  • vehicle registration document;
  • UAE registration number;
  • VIN or chassis number;
  • make and model;
  • vehicle type;
  • year of manufacture;
  • country of registration — UAE.

Policyholder

  • passport or another identity document;
  • first and last name in Latin characters;
  • email address for policy delivery;
  • telephone number or messenger contact;
  • requested insurance start date;
  • required policy term;
  • planned route to Bulgaria.

Price

How Much Does Insurance for Bulgaria Cost?

The price depends on the vehicle category, the policy term, and the insurer’s current rates. The final price and eligibility for issuance are confirmed after the vehicle documents have been reviewed. A link to the price calculator is available in the main menu.

  • vehicle type;
  • policy term;

When to Apply

When to Arrange the Policy Before Your Trip

We recommend submitting your application 1–2 business days before the planned entry into Bulgaria. This allows time to verify the registration documents and correct any errors. The make or model of your vehicle may also be missing from the insurer’s database, in which case it must be approved by the insurance company during business hours.

The policy cannot be issued retroactively. Its start date must be no later than the date the vehicle is first used in Bulgaria.

Application Process

How to Get the Insurance

  1. 1

    Provide Your Route

    Select the UAE as the country of vehicle registration.

  2. 2

    Upload the Documents

    Attach the vehicle registration document and the policyholder’s details.

  3. 3

    Complete the Review

    We will verify the registration number, VIN, vehicle type, and eligibility for issuance.

  4. 4

    Pay for the Policy

    Once the price is confirmed, you will receive payment instructions or a secure payment link.

  5. 5

    Receive the PDF

    The issued insurance document will be sent to the email address provided.

Policy prices by vehicle type

Choose a vehicle category and insurance term. The final price is confirmed before payment after document review.

Passenger car

30 daysPassenger car
157,50 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysPassenger car
256,20 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysPassenger car
429,45 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysPassenger car
729,75 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysPassenger car
991,20 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order

Truck

30 daysTruck
1617,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysTruck
3234,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysTruck
4851,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysTruck
9702,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysTruck
19 619,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order

Bus

30 daysBus
966,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysBus
1932,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysBus
2898,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysBus
5796,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysBus
11 721,15 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order

Motorcycle

30 daysMotorcycle
262,50 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysMotorcycle
525,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysMotorcycle
787,50 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysMotorcycle
1575,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysMotorcycle
3184,65 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order

Trailer

30 daysTrailer
357,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysTrailer
714,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysTrailer
1071,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysTrailer
2142,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysTrailer
4331,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order

Special-purpose vehicle

30 daysSpecial-purpose vehicle
966,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
60 daysSpecial-purpose vehicle
1932,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
90 daysSpecial-purpose vehicle
2898,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
180 daysSpecial-purpose vehicle
5796,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
364 daysSpecial-purpose vehicle
11 721,00 zł
  • Valid in countries listed in the policy
  • Manual document check
  • PDF policy by email
Order
Tariff summary
Vehicle type30 days60 days90 days180 days364 days
Passenger car157,50 zł256,20 zł429,45 zł729,75 zł991,20 zł
Truck1617,00 zł3234,00 zł4851,00 zł9702,00 zł19 619,00 zł
Bus966,00 zł1932,00 zł2898,00 zł5796,00 zł11 721,15 zł
Motorcycle262,50 zł525,00 zł787,50 zł1575,00 zł3184,65 zł
Trailer357,00 zł714,00 zł1071,00 zł2142,00 zł4331,00 zł
Special-purpose vehicle966,00 zł1932,00 zł2898,00 zł5796,00 zł11 721,00 zł

Prices are shown in PLN according to the current tariff table. Availability depends on vehicle data and documents.

Before Entering Bulgaria

What to Check in the Issued Policy

Errors in the registration number, VIN, or policy period may make the document invalid for travel. Compare the policy with the vehicle registration document before departure.

registration number;
VIN or chassis number;
country of registration — UAE;
vehicle make and model;
vehicle category;
policy start and end dates;
Bulgaria included in the territorial coverage;
policyholder details.

FAQ

Questions about insurance for UAE → Bulgaria

Can insurance be arranged for a vehicle from the UAE entering Bulgaria?

Yes, border insurance may be arranged for a vehicle registered in the UAE. Eligibility is confirmed after checking the vehicle type and registration document.

Is OC graniczne valid in Bulgaria?

Yes. This policy is valid in all countries of the European Economic Area and in Switzerland.

Does this policy cover the journey from the UAE to Bulgaria?

No. A policy intended for Bulgaria should not be considered valid in all transit countries. Coverage must be checked separately for each country along the route.

Is the policy valid in Turkey?

No. Separate insurance is required for Turkey.

What documents are required for a vehicle from the UAE?

You need the vehicle registration document, registration number, VIN, make and model details, and the policyholder's information.

Can the policy be obtained online?

Yes. The application and documents are submitted online. After verification, payment and issuance, the completed policy is sent in PDF format.

When should the policy start?

The policy must be valid before the vehicle is first used in Bulgaria. Retroactive issuance is not possible.

Does the policy cover damage to the vehicle?

No. This is third-party liability insurance, not comprehensive motor insurance covering damage to the vehicle itself.

Other insurance routes

View all routes

Apply for Insurance

Submit an Application for Your Trip to Bulgaria

Prepare the vehicle registration document, specify the requested policy start date, and provide your planned route. After review, you will receive a quote and instructions for completing the application.

Submit Application