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2016-12-30

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Decree No. 54 of 30.12.2016 on the Registers of the Guarantee Fund for the Exchange and Protection of Information and on the Issuance and Accounting of Mandatory Insurance under Art. 461, Items 1 and 2 of the Insurance Code

This decree establishes the content, scope, and format of data in electronic registers maintained by the Guarantee Fund, including the vehicle register and the insurance policy register. It mandates real-time data exchange between insurers and the Guarantee Fund, requiring the recording of specific vehicle and policy details such as registration numbers, VINs, owner identifiers, and premium amounts. The regulation also defines procedures for data collection, protection, and access, including fallback mechanisms for technical failures in the Ministry of Internal Services' electronic services.

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DECREE NO. 54 of 30.12.2016 on the Registers of the Guarantee Fund for the Exchange and Protection of Information and on the Issuance and Accounting of Mandatory Insurance under Art. 461, Items 1 and 2 of the Insurance Code

Pub. - State Gazette, No. 7 of 20.01.2017, effective from 20.01.2017; amended and supplemented, No. 77 of 25.08.2026, effective from 25.08.2026.

Adopted by Decision No. 164-N of 30 December 2016 of the Commission for Financial Supervision

Issued by the CFS, the Minister of Internal Affairs and the Minister of Transport, Information Technology and Communications

Chapter One GENERAL PROVISIONS Subject Art. 1. (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) This Decree regulates:

  1. the content, scope and format of the data in the electronic registers under Art. 571, para. 1 of the Insurance Code (IC), maintained by the Guarantee Fund;
  2. the procedure for the collection, processing, storage and protection of the data under item 1;
  3. the conditions and procedure for registration and provision of access to the data under item 1;
  4. the conditions, procedure and methods for the exchange of information, the formats of the data and the classifiers used, as well as the interaction between the Guarantee Fund, state bodies and other subjects with a legal interest;
  5. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) the collection and storage of information, as well as the access of insurers to it, in the electronic information system for the purposes of Art. 571 IC, as well as for risk assessment, management and control, including for the issuance of policies and for the provision of electronic administrative services, as well as for the use of data from the register of claims made and paid for the purposes of the application of Art. 490a IC.

Information Systems of Insurers Art. 2. This Decree regulates the requirements for the information systems of insurers and their operational compatibility with the information systems, registers and databases created and maintained by the Guarantee Fund.

Issuance and Accounting of Mandatory Insurance "Civil Liability" of Motorists and Contracts for Mandatory Insurance "Accident" of Passengers Art. 3. This Decree also regulates the requirements for the issuance and accounting of contracts for mandatory insurance "Civil Liability" of motorists and contracts for mandatory insurance "Accident" of passengers, cross-border insurance contracts (hereinafter referred to as "contracts") and "Green Card" certificates.

Chapter Two REGISTERS OF THE INFORMATION CENTER. PROCEDURE FOR COLLECTION AND EXCHANGE OF INFORMATION

Section I Register of Vehicles Usually Located on the Territory of the Republic of Bulgaria. Procedure for Exchange of Information (Heading amend. - SG, No. 77 of 2026, effective from 25.08.2026) Register of Vehicles Usually Located on the Territory of the Republic of Bulgaria Art. 4. (Amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) (1) (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) The register of vehicles (V) under Art. 571, para. 1, item 3 IC, which are usually located on the territory of the Republic of Bulgaria (the V register), contains the following data on the vehicles:

  1. registration number (number of registration plate);
  2. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) vehicle identification number (VIN)/frame number;
  3. type of vehicle;
  4. engine capacity;
  5. engine power in kW;
  6. number of seats;
  7. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the mass of the V, as follows: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) technically permissible maximum mass (position F1 of the vehicle registration certificate); b) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) permissible maximum mass of a combination of vehicles (position F3 of the registration certificate); c) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) mass of the vehicle (position G of the registration certificate);
  8. type of fuel;
  9. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) main color of the V;
  10. region (province) of registration;
  11. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) indication whether the V is "suspended from movement";
  12. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) indication whether the V has "officially terminated registration due to lack of "Civil Liability" insurance for motorists";
  13. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) indication of belonging of the V to a specific group: a) vehicles with seizure for sale; b) vehicles of state bodies, including vehicles of special regime; c) vehicles for which information from the owner about a contract for sale to a foreign natural or legal person has been entered in the register of the MIA and which the purchaser has not re-registered in his name; d) (amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) vehicles with temporary registration or to which a transit registration number has been granted; e) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) trailers category O1; f) motorcycles, mopeds, motor tricycles, tricycles and quadricycles;
  14. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identification whether the V is owned by a natural or legal person;
  15. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identifiers of the owners and users according to the vehicle registration certificate - for V for which mandatory "Civil Liability" insurance for motorists has been concluded.
  16. (new - SG, No. 77 of 2026, effective from 25.08.2026.) category of the vehicle. (2) The register under para. 1 covers all vehicles whose registration has not been terminated, with the exception of vehicles whose registration has been officially terminated in accordance with Art. 143, para. 10 of the Road Traffic Act (RTA). The scope of vehicles does not include those whose registration has been officially terminated due to non-compliance of the registration plates with BDS 15980 and BDS ISO 7591. (3) (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) The register under para. 1 also contains the following data on temporary plates issued to traders carrying out the import of vehicles, as follows:
  17. registration number;
  18. date of validity of the registration number;
  19. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) the name/registered name, EGN/LNCH or EIK/BULSTAT code and the address/address of management of the trader;
  20. date of return of the plate.

Collection and Exchange of Data in Connection with the V Register Art. 5. (Amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) (1) (Suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) The data under Art. 4, para. 1, items 1 - 13 and 16 and para. 3 are provided by the MIA in a format in accordance with a joint protocol signed by representatives appointed by the Minister of Internal Affairs, the Commission for Financial Supervision and the Management Board of the Guarantee Fund. The joint protocol also determines the method of access when submitting the data. (2) The data under Art. 4, para. 1, items 14 and 15 are filled in the register based on the information provided through the electronic service (program interface) for extracting data in connection with the generation of a specific insurance contract. (3) The data under para. 1 are updated by at least once a day electronically via a secure channel from the MIA to the Guarantee Fund providing data on vehicles for which in the previous working day:

  1. initial registration has been performed;
  2. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) a change in registration has been performed, outside the cases under item 6;
  3. (suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) the registration has been terminated outside the cases under items 4 and 5.
  4. (new - SG, No. 77 of 2026, effective from 25.08.2026.) registration terminated on the basis of Art. 574, para. 11 IC;
  5. (new - SG, No. 77 of 2026, effective from 25.08.2026.) registration terminated on the basis of Art. 143, para. 6, item 1 RTA;
  6. (new - SG, No. 77 of 2026, effective from 25.08.2026.) registration changed due to change of ownership. (4) (New - SG, No. 77 of 2026, effective from 25.08.2026.) In the cases under para. 3, items 2 and 6, when the registration number is changed, data on the registration number that was valid before the change is performed are also provided to the Guarantee Fund. In the case of registration of a vehicle with a registration number retained in accordance with Art. 145a of the RTA, data are also provided to the Guarantee Fund on the identification number (VIN)/frame number of the vehicle that last had the same registration number. (5) (Previous para. 4 - SG, No. 77 of 2026, effective from 25.08.2026.) The Guarantee Fund stores the received data and protects access to them, not granting its rights to third parties outside the cases defined by law.

Section II Register of Insurance Policies. Procedure for Collection and Exchange of Data Register of Insurance Policies Art. 6. (Amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) (1) The register under Art. 571, para. 1, item 1 IC for insurance policies under item 10.1, Section II, letter "A" of Appendix No. 1 to the IC and for "Green Card" certificates contains information from the insurance contract, as well as information that served for its conclusion, as follows:

  1. insurance policy number;
  2. type of insurance policy;
  3. insurer;
  4. date and time of conclusion of the contract;
  5. start and end date and time of coverage;
  6. data on the policyholder: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) name of a natural person/registered name of a legal person; b) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identifier of the person (EGN/LNCH or EIK/BULSTAT code); c) address;
  7. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the owner (owners) of the vehicle according to the vehicle registration certificate or according to the ownership document, when the vehicle is not registered by the competent bodies of the MIA: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) name of a natural person/registered name of a legal person; b) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identifier of the person (EGN/LNCH or EIK/BULSTAT code); c) address;
  8. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the purchaser according to the document for change of ownership submitted to the MIA by the owner according to the vehicle registration certificate;
  9. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) at the discretion of the insurer, data on the owner of the vehicle according to the ownership document, when the data on the owner according to the vehicle registration certificate and according to the ownership document differ: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) name of a natural person/registered name of a legal person; b) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identifier of the person (EGN/LNCH or EIK/BULSTAT code); c) address;
  10. (revoked - SG, No. 77 of 2026, effective from 25.08.2026);
  11. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the user of the V according to the vehicle registration certificate (position C.3 of the vehicle registration certificate) or according to another document, when the V is not registered: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) name of a natural person/registered name of a legal person; b) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identifier of the person (EGN/LNCH or EIK/BULSTAT code); c) address;
  12. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) object (V or temporary plate with registration number);
  13. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the V: a) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) type of registration (temporary or permanent); b) date of validity of the temporary plate when insurance is issued on a temporary plate; c) (suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) date of validity of the temporary registration; d) registration number (number of registration plate); e) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identification number of the vehicle (VIN)/frame number of the V; f) (amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) category, type, brand and model of the V; g) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) date of first registration of the V; h) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) type of fuel/energy source used by the V; i) main color; j) number of seats; k) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) data on the mass of the V, as follows: aa) technically permissible maximum mass (position F.1 of the vehicle registration certificate); bb) permissible maximum mass of a combination of vehicles (position F.3 of the vehicle registration certificate); cc) mass of the vehicle (position G of the vehicle registration certificate); l) capacity, maximum power;
  14. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) recorded insurance premium;
  15. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) EGN and/or names of the end user of the insurer's information system that issued the policy;
  16. number of the sign issued by the Guarantee Fund, date of validity and date of delivery;
  17. "Green Card" certificate number with start and end date of validity;
  18. data on correction, change or cancellation of the record on the policy;
  19. data on correction of the premium on the policy;
  20. data on additional sign of the Guarantee Fund after the date of issuance of the policy: a) number of the sign; b) reason for issuance (subsequent payment of the premium, sign declared invalid, cancelled sign); c) date of validity; d) date of delivery; e) reason for replacement or cancellation; f) date and time of replacement or cancellation;
  21. data on "Green Card" certificate after the date of issuance of the policy: a) number of the policy associated with the certificate; b) number of the certificate; c) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) registration number of the V (number of registration plate); d) (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) identification number of the vehicle (VIN)/frame number of the V; e) reason for issuance; f) start and end date of validity;
  22. "Green Card" certificates declared invalid or cancelled: a) number of the policy associated with the certificate; b) number of the certificate; c) date of the change; d) reason.
  23. (new - SG, No. 77 of 2026, effective from 25.08.2026.) data on the presence of extended voluntary coverage under Art. 481a, para. 1 IC and on the additional premium charged for this coverage. (2) (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) The register under Art. 571, para. 1, item 1 IC for cross-border insurance contracts contains the data under para. 1, items 1 - 6, 9 and 13 - 22, as well as data on the state in which the V is usually located under the insurance policy. (3) The register under Art. 571, para. 1, item 1 IC for insurance policies for mandatory insurance "Accident" of passengers in public transport vehicles contains:
  24. policy number;
  25. type of insurance policy;
  26. insurer;
  27. date and time of conclusion of the contract;
  28. start and end date and time of coverage;
  29. carrier (policyholder);
  30. address and address for correspondence, when different;
  31. type of insurance premium;
  32. number of insured vehicles;
  33. number of insured seats in the vehicle;
  34. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) recorded insurance premium;
  35. date and time of cancellation of the insurance policy;
  36. date and time of termination of the insurance policy;
  37. date and time of change of the insurance policy. (4) (Suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) For policies concluded by insurers with their seat in the Republic of Bulgaria under the right of establishment and free provision of services, the register contains:
  38. insurance policy number;
  39. (amend. - SG, No. 77 of 2026, effective from 25.08.2026.) code of type of activity;
  40. (suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) code of insurer;
  41. (new - SG, No. 77 of 2026, effective from 25.08.2026.) code of the state in which the activity is carried out;
  42. (new - SG, No. 77 of 2026, effective from 25.08.2026.) code of the state in which the V under the insurance policy is usually located;
  43. (previous item 4 - SG, No. 77 of 2026, effective from 25.08.2026.) date of conclusion of the contract;
  44. (previous item 5 - SG, No. 77 of 2026, effective from 25.08.2026.) start and end date of coverage;
  45. (previous item 6, amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) recorded insurance premium in euros;
  46. (previous item 7 - SG, No. 77 of 2026, effective from 25.08.2026.) data on correction of the premium on the policy.
  47. (new - SG, No. 77 of 2026, effective from 25.08.2026.) contributions to the Security Fund of the Guarantee Fund in euros.

Procedure for Filling in Data in the Policy Register Art. 7. (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) (1) The data under Art. 6, para. 1 - 3 are reflected in real time in the register when the policy is generated by the insurer's information system. (2) (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) The data under Art. 6, para. 1 - 4 are reflected in reports in a format and with content determined by a decision of the Commission for Financial Supervision. Insurers are obliged to comply with the requirements for the format and content of the data under the first sentence. (3) The data under Art. 6, para. 4 are submitted by insurers to the register monthly by the tenth day with respect to policies concluded at the end of the reporting month.

Requirements for the Issuance and Accounting of Contracts for Mandatory Insurance under Art. 3 Art. 8. (Amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) (1) (Amend. and suppl. - SG, No. 77 of 2026, effective from 25.08.2026.) The contracts under Art. 3 have a unified uniform numbering, generated by the information system of the Guarantee Fund, in accordance with the Decree under Art. 504, para. 1 IC, under conditions and procedure determined by the Management Board of the Guarantee Fund. (2) The contracts under Art. 3 are generated and issued by the information system of the insurer. (3) (Amend. - SG, No. 77 of 2026, effective from 25.08.2026.) When generating a contract with respect to a V that is entered in the register of the MIA, the data provided by the MIA service under Art. 9 are automatically used for the purposes of the contract based on information received from the Unified Information System for Assessment, Management and Control of Risk (UISAMCR), including received under para. 8. (4) Every contract generated by the insurer's information system under Art. 3 is accounted for electronically in the Guarantee Fund in real time simultaneously with its generation. The information system of the Guarantee Fund verifies whether the data for the generated contract submitted by the insurer correspond to the data received from the MIA. (5) The data under Art. 7 are reflected in real time in the register of insurance policies when the data are submitted by the insurer's information system. (6) A record of a generated insurance contract may be cancelled until the start date and time of entry into force of the insurance coverage under it. Correction of errors made in the issuance of a contract is carried out within a period of up to 48 hours from the conclusion of the contract. When the period under the second sentence expires on a non-working day, respectively the correction may be carried out until 24:00 on the next working day. (7) The contracts are accounted for in accordance with the functional and technical specification under Art. 26, para. 4. (8) In the event that the Ministry of Internal Affairs is unable for technical reasons to service requests via the electronic service under Art. 9, para. 1 for more than 4 hours, the Guarantee Fund establishes this circumstance and provides a technical opportunity for providing price quotes and for generating insurance contracts based on the information in the information system of the Guarantee Fund. Immediately after the possibility of providing the electronic service under Art. 9, para. 1 is restored, the Guarantee Fund establishes this circumstance and restores the process of generating insurance contracts under para. 3. (9) (New - SG, No. 77 of 2026, effective from 25.08.2026.) In the event that the Guarantee Fund is unable to service requests via the electronic service under Art. 9, para. 1 for more than 4 hours, the Guarantee Fund notifies the Commission for Financial Supervision, indicating the reasons for the problem and the expected period for its elimination. After establishing the circumstances

by the first sentence, the Deputy Chairman heading the "Insurance Supervision" Department of the Commission for Financial Supervision may order insurers to ensure the technical possibility for the temporary provision of price quotations and for the generation of insurance contracts based on the information in their information systems. Immediately after the possibility to provide the electronic service under Art. 9, para. 1 is restored, the Guarantee Fund notifies the Commission for Financial Supervision, whereby the Deputy Chairman heading the "Insurance Supervision" Department orders the restoration of the process for generating insurance contracts under para. 3. The numbering of insurance policies and their registration in the register of the Guarantee Fund are regulated in Art. 40, paras. 6 and 7 of Decree No. 49 of 16.10.2014 on the mandatory insurance for motor vehicle "Civil Liability" and "Accident" of passengers in public transport vehicles (State Gazette, No. 90 of 2014), hereinafter referred to as "Decree No. 49".

(10) (Previous para. 9, amended - SG, No. 77 of 2026, effective from 25.08.2026) In the case of a group insurance contract, an individual contract number is generated in the information system of the Guarantee Fund for each vehicle included in the group contract.

(11) (Previous para. 10 - SG, No. 77 of 2026, effective from 25.08.2026) Paragraph 3 does not apply to the vehicles under Art. 4, para. 1, item 13, letter "b". The data in the contract is entered by the insurance service distributor.

(12) (New - SG, No. 77 of 2026, effective from 25.08.2026) In the cases under para. 3 and when the data are not available in the electronic service under Art. 9, para. 1, the insurers fill in the data themselves, which is reflected in the register.

Procedure for collecting data from the Ministry of Internal Affairs for the purposes of concluding insurance contracts

Art. 9. (Amended and supplemented - SG, No. 77 of 2026, effective from 25.08.2026) (1) The Ministry of Internal Affairs provides the Guarantee Fund with the data under Art. 574, para. 3 of the Insurance Code (IC) through access to an internal electronic administrative service via a program interface for extracting data from the register of vehicles and their owners, established and maintained by the MIA.

(2) (Supplemented - SG, No. 77 of 2026, effective from 25.08.2026) A request for the execution of the electronic service under para. 1 is generated only by an end user of an insurer's information system and is submitted to the MIA through the information system of the Guarantee Fund. A request under the first sentence is generated only for the purposes of concluding a specific insurance contract for mandatory motor vehicle "Civil Liability" insurance, including for the provision of a price quotation for its conclusion. When insurance is concluded via an internet page, the request for the electronic service under para. 1 is generated by the policyholder, whereby the internet page of the insurance service distributor must be protected against automatic generation of traffic. A calculator for the value/price of a contract on a page of an insurance service distributor cannot execute requests under para. 2. In case of non-compliance with the restrictions under this paragraph, the Deputy Chairman heading the "Insurance Supervision" Department of the Commission for Financial Supervision imposes sanctions for the established violations and applies or proposes the application of appropriate compulsory administrative measures under the IC with regard to the respective insurance product distributor.

(3) An end user of an insurer's information system is an employee of the insurer or an insurance intermediary. Employees of insurance intermediaries may also be end users of an insurer's information system.

(4) An end user receives access to use the service through a personal username and password to the insurer's information system. The insurance intermediary is obliged to organize its operations such that when insurance contracts are generated through an information system other than that of the insurer, the employees of the insurance intermediary receive access to the intermediary's system through a personal username and password. The information system of the insurer, as well as that of the insurance intermediary, stores for at least two years the respective journal information on the executed requests, including identification data of the user, the condition for providing information under para. 7, time (date and hour) and a unique identifier of the request, which is provided upon request by the Commission for Financial Supervision.

(5) (Supplemented - SG, No. 77 of 2026, effective from 25.08.2026) The information system of the Guarantee Fund stores the identifier of the applicant insurer, the end user of the insurer's information system, and journal information on the requests executed by the insurer, which allows the insurer to be unambiguously determined by a unique request number received by the MIA's electronic services server.

(6) The scope of the service includes all vehicles whose registration has not been terminated at the time of execution of the request, and those whose registration has been officially terminated in accordance with Art. 143, para. 10 of the Road Traffic Act (ZDvP). Data for vehicles under Art. 4, para. 1, item 13, letter "b" are not returned. Vehicles whose registration has been officially terminated due to non-compliance of the registration plates with BDS15980 and BDS ISO7591 are not included in the scope of vehicles.

(7) The request for execution of the electronic service contains the registration number (license plate number) and the number of the vehicle registration certificate.

(8) The result of the execution of the electronic service contains:

  1. registration number (license plate number);
  2. (amended - SG, No. 77 of 2026, effective from 25.08.2026) type of registration - permanent and temporary;
  3. date of validity of the registration;
  4. (amended - SG, No. 77 of 2026, effective from 25.08.2026) vehicle identification number (VIN)/chassis number;
  5. (amended - SG, No. 77 of 2026, effective from 25.08.2026) category, make and model of the vehicle;
  6. (amended - SG, No. 77 of 2026, effective from 25.08.2026) type of vehicle;
  7. main color;
  8. (amended - SG, No. 77 of 2026, effective from 25.08.2026) data on the mass of the vehicle, as follows: a) (amended - SG, No. 77 of 2026, effective from 25.08.2026) technically permissible maximum mass (position F1 from the vehicle registration certificate); b) (amended - SG, No. 77 of 2026, effective from 25.08.2026) permissible maximum mass of a vehicle combination (position F3 from the vehicle registration certificate); c) (amended - SG, No. 77 of 2026, effective from 25.08.2026) mass of the vehicle (position G from the vehicle registration certificate);
  9. fuel type;
  10. engine capacity;
  11. maximum engine power in kW;
  12. number of seats;
  13. date of first registration;
  14. (amended - SG, No. 77 of 2026, effective from 25.08.2026) name/organization name, EGN/LNCH or EIK/BULSTAT code and last current address/address of management of all owners;
  15. (amended - SG, No. 77 of 2026, effective from 25.08.2026) name/organization name, EGN/LNCH or EIK/BULSTAT code and last current address/address of management of all users;
  16. (amended - SG, No. 77 of 2026, effective from 25.08.2026) name/organization name, EGN/LNCH or EIK/BULSTAT code of the purchaser according to the document for change of ownership, submitted to the MIA by the owner according to the SRMPS, when such information is available;
  17. date of suspension from traffic;
  18. date of termination of registration due to lack of civil liability insurance.

(9) The data under para. 8 are provided by the MIA to the Guarantee Fund electronically through a protected channel in a format according to a joint protocol signed by representatives appointed by the Minister of Internal Affairs, the Commission for Financial Supervision and the Board of Directors of the Guarantee Fund.

(10) The data under para. 8, items 14, 15, 16 are not entered into the insurance contract and are not provided to the end user under para. 3. The data under para. 8, items 14, 15, 16 are not provided to the information system of an insurance intermediary. When the same data are collected independently by the insurer, they may be entered into the insurance contract.

(11) (Supplemented - SG, No. 77 of 2026, effective from 25.08.2026) The information system of the Guarantee Fund provides the data received from the service under para. 8 to the information system of the insurer.

(12) For the purposes of providing a price quotation by insurance service distributors, the Guarantee Fund ensures a separate request for the electronic service under para. 1. For the purposes of providing a price quotation by insurance service distributors, the first request of the day for execution of the electronic service is submitted to the MIA through the information system of the Guarantee Fund. The Guarantee Fund stores the data under para. 8 for each motor vehicle until 24:00 on the same day on which they were generated, and provides them to insurers for the purposes of providing price quotations without generating new requests to the MIA.

(13) A request for execution of the electronic service under para. 12 is generated by an end user of an insurer's information system. Paras. 3 and 4 apply.

(14) The data received under para. 12 are deleted in the information system of the GF and the respective insurer at 24:00 on the day on which they were extracted.

(15) For the purposes of providing the price quotation, employees of the insurer or other insurance service distributors receive only the final price of the insurance.

(16) (Amended - SG, No. 77 of 2026, effective from 25.08.2026) In the event of a change of ownership of the vehicle or other circumstances reflected in the register of vehicles and their owners, established and maintained by the MIA, and when the insurance contract is concluded based on information received from the MIA, the Guarantee Fund sends an automated request for extracting data from the MIA register based on a request from an end user of the insurer's information system, whereby the changed data are reflected in the register of insurance policies.

Use of data from the register of insurance claims

Art. 10. (Effective from the date of entry into force of the decree under Art. 490, para. 5 of the IC; amended, No. 77 of 2026, effective from 25.08.2026) (1) For the purposes of applying Art. 490a of the IC, insurers have the right to access the data from the register of submitted and paid claims under Art. 571, para. 1, item 2 of the IC under the conditions and in the manner of this decree.

(2) Insurers do not have the right to require the policyholder to provide certificates of insurance claims under Art. 502 of the IC in connection with motor vehicle "Civil Liability" insurance issued and accounted for in the manner of this decree.

Exchange of data from the register of insurance claims

Art. 11. (Effective from the date of entry into force of the decree under Art. 490, para. 5 of the IC; amended, No. 77 of 2026, effective from 25.08.2026) (1) For the purposes of concluding an insurance contract for mandatory motor vehicle "Civil Liability" insurance or for a price quotation, the Guarantee Fund provides insurers with an internal electronic administrative service for extracting data from the register of submitted and paid insurance claims for the insurance under item 10.1, Section II, letter "A" of Appendix No. 1 to the IC.

(2) The request for execution of the electronic service under para. 1 contains the identifier of the owner of the vehicle (EGN/LNCH or EIK/BULSTAT code) and the identification number of the vehicle (VIN)/chassis number and the registration number of the vehicle, by which data on the policy number from the register under Art. 6 are extracted. The received result is used for extracting data from the register of submitted and paid insurance claims.

(3) For the execution of the electronic service under para. 1 through the request under para. 2, the Guarantee Fund extracts the data for the vehicles from the register of insurance policies under Art. 6, para. 1, necessary for the issuance of a certificate of insurance claims under Art. 44a of Decree No. 49.

(4) The result of the execution of the electronic service under para. 1 contains all data extracted from the registers under Art. 6 and 12, which are included in the content of the certificate of insurance claims under Art. 44a of Decree No. 49 for the last five years from the date of the request, including data on:

  1. the amount of submitted insurance claims;
  2. the amount of paid insurance benefits.

(5) When ownership of the vehicle has changed during the last five years before the date of submission of the request, the result of the execution of the electronic service contains the data under para. 4 in connection with all insurance contracts reflected in the register under Art. 6, para. 1, concluded after the date of the last change of ownership, except in cases where before that date the policyholder had been the owner or user of the vehicle according to the SRMPS, or purchaser according to the document for change of ownership submitted to the MIA by the owner according to the SRMPS, or had concluded a contract for mandatory motor vehicle "Civil Liability" insurance with regard to the same vehicle.

Section III Register of submitted and paid claims. Procedure for collecting and exchanging data

Register of submitted and paid claims

Art. 12. (Amended and supplemented - SG, No. 77 of 2026, effective from 25.08.2026) (1) The register under Art. 571, para. 1, item 2 of the IC contains:

  1. (amended - SG, No. 77 of 2026, effective from 25.08.2026) internal system number of the insurer's claim;
  2. (supplemented - SG, No. 77 of 2026, effective from 25.08.2026) date and time of registration of the claim in EISOUKR, as well as an indication whether the claim is submitted under insurance for risk located in the country, or under insurance concluded under the conditions of the right of establishment or freedom to provide services for risk located in another Member State;
  3. insurer;
  4. type of claim;
  5. type of damage caused (property damage or pecuniary or non-pecuniary damage resulting from bodily injury or death);
  6. information whether the claim is subrogated and whether it represents a total loss;
  7. insurance policy number;
  8. damaged object;
  9. data on the insurance event: a) date of the event; b) country of the event; c) place of the event; d) type of event; e) (new - SG, No. 77 of 2026, effective from 25.08.2026) data on contributing to the event; f) (new - SG, No. 77 of 2026, effective from 25.08.2026) perpetrator of the traffic accident;
  10. date of submission of the claim;
  11. data on the amount of the claim: a) estimated payment (assessment, reserve for the claim) and currency in which it is determined; b) price of the claim for the claim submitted through judicial proceedings and currency in which the claim is submitted;
  12. basis of the claim - document establishing the insurance event;
  13. status of the claim (registered, partially paid, rejected or closed (paid));
  14. data on the change of the reserve for the claim, payment or rejection of the claim: a) claim number; b) change of estimated payment (assessment, reserve for the claim) and date of change; c) change of reserve for costs of settling the claim and date of change; d) date of resumption of the claim; e) payment on the claim and date of payment; f) payment of cost for settling the claim and date of payment; g) date of rejection.
  15. (new - SG, No. 77 of 2026, effective from 25.08.2026) data on the person who submitted the claim.

(2) (Supplemented - SG, No. 77 of 2026, effective from 25.08.2026) Insurers with their seat in the Republic of Bulgaria submit to the register under para. 1 also the claims under insurance concluded under the conditions of the right of establishment and freedom to provide services in other Member States.

(3) (New - SG, No. 77 of 2026, effective from 25.08.2026) Claims submitted to the Guarantee Fund for damage caused by the use of an uninsured vehicle are registered in the register under para. 1, whereby instead of:

  1. "internal system number of the insurer" the "number of the claim" generated by the system of the Guarantee Fund is entered;
  2. "insurer" the "Guarantee Fund" is entered;
  3. "number of insurance policy" the "uninsured vehicle" is entered.

Submission of information in the register of submitted and paid claims

Art. 13. (Amended and supplemented - SG, No. 77 of 2026, effective from 25.08.2026) (1) (Amended - SG, No. 77 of 2026, effective from 25.08.2026) The data under Art. 12 are reflected in EISOUKR upon submission of a written insurance claim under Art. 380, para. 1 of the IC simultaneously with the registration of the claim in the information system of the insurer.

(2) (Amended - SG, No. 77 of 2026, effective from 25.08.2026) Subsequent corrections to the data under Art. 12 are reflected in EISOUKR daily by submitting electronic queries in a format and with content determined by a decision of the Commission for Financial Supervision. The corrections are submitted in connection with the requirements of the system for automated processing of information, ensuring their authenticity and security. Insurers are obliged to comply with the requirements regarding the format and content of the data under the first sentence.

(3) (Supplemented - SG, No. 77 of 2026, effective from 25.08.2026) The data on the change of the reserve for the claim, which are presented under Art. 12, item 14, may be changed by the insurer only upon receipt of new documents and evidence that lead to a change in the amount of the submitted claim, respectively upon payment on the claim. In the cases under the first sentence, the insurer submits the corrected value within one day from its determination.

(4) (New - SG, No. 77 of 2026, effective from 25.08.2026) Upon establishment of a violation of the procedure for providing data under Art. 12 to the information system of the Guarantee Fund, the Deputy Chairman heading the "Insurance Supervision" Department of the Commission for Financial Supervision imposes sanctions for the established violations and applies or proposes the application of appropriate compulsory administrative measures under the IC with regard to the respective insurance product distributor.

Section IV Other registers maintained by the Information Center. Procedure for collecting and exchanging data

(Title amended - SG, No. 77 of 2026, effective from 25.08.2026)

Register of insurers for mandatory motor vehicle "Civil Liability" insurance

Art. 14. (Amended - SG, No. 77 of 2026, effective from 25.08.2026) The register under Art. 571, para. 1, item 4 of the IC contains:

  1. for insurers with their seat in the Republic of Bulgaria, licensed under Section II, letter "A", item 10.1 of Appendix No. 1 to the IC: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website; d) EU/EEA Member States in which the insurer carries out activity on motor vehicle "Civil Liability" insurance through a branch and address of the branch, telephone number, email address; e) EU/EEA Member States in which the insurer carries out activity on motor vehicle "Civil Liability" insurance under the conditions of freedom to provide services, and address of the representative for settling claims within the meaning of Art. 51, para. 2 of the IC, telephone number, email address; f) link to the list of representatives for settling claims under Art. 503, para. 1 of the IC, appointed in the remaining Member States; g) identification code;
  2. for insurers with their seat in another Member State, carrying out activity in the Republic of Bulgaria on insurance under Section II, letter "A", item 10.1 of Appendix No. 1 to the IC under the conditions of the right of establishment: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website; d) address of the branch of the insurer in the Republic of Bulgaria, telephone number, email address; e) representative for settling claims under Art. 503, para. 1 of the IC, appointed in the Republic of Bulgaria, telephone number, email address; f) identification code;
  3. for insurers with their seat in another Member State, carrying out activity in the Republic of Bulgaria on insurance under Section II, letter "A", item 10.1 of Appendix No. 1 to the IC under the conditions of freedom to provide services: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website; d) identity and address of the representative for settling claims in the Republic of Bulgaria within the meaning of Art. 51, para. 2 of the IC, telephone number, email address; e) representative for settling claims under Art. 503, para. 1 of the IC, appointed in the Republic of Bulgaria, telephone number, email address; f) identification code.

Register of insurers offering mandatory "Accident" insurance for passengers

Art. 15. (Amended - SG, No. 77 of 2026, effective from 25.08.2026) The register under Art. 571, para. 1, item 7 of the IC contains:

  1. for insurers with their seat in the Republic of Bulgaria, licensed under Section II, letter "A", item 1 of Appendix No. 1 to the IC, offering mandatory "Accident" insurance for passengers: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website;
  2. for insurers with their seat in another Member State, carrying out activity in the Republic of Bulgaria on insurance under Section II, letter "A", item 1 of Appendix No. 1 to the IC, offering mandatory "Accident" insurance for passengers under the conditions of the right of establishment: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website; d) address of the branch of the insurer in the Republic of Bulgaria, telephone number, email address;
  3. for insurers with their seat in another Member State, carrying out activity in the Republic of Bulgaria on insurance under Section II, letter "A", item 1 of Appendix No. 1 to the IC, offering mandatory "Accident" insurance for passengers under the conditions of freedom to provide services: a) name of the insurer; b) address of management, telephone number, email address; c) link to internet website.

Provision of information in the registers by the Commission for Financial Supervision

Art. 16. (1) The Commission for Financial Supervision provides data on insurers under Art. 14 and 15 based on the information provided in the proceedings for the issuance and withdrawal of licenses and additional licenses, as well as in the procedures for notification of carrying out activities under the conditions of the right of establishment or freedom to provide services. (2) Information on insurers with their seat in the Republic of Bulgaria is provided within one working day from the date of issuance of the decision on the issuance or withdrawal of the respective license, respectively within one working day from the notification of the competent supervisory authority of another Member State in accordance with the procedure for sending a notification of carrying out activities by local insurers. Information on insurers with their seat in other Member States is provided within three working days from the date of receipt of the respective notification of carrying out activities in the Republic of Bulgaria by the Commission. (3) The information is provided by letter sent by e-mail, signed with a qualified electronic signature.

Register of Road Traffic Accidents and Participants Therein Art. 17. (1) The register under Art. 571, para. 1, item 9 of the Insurance Code contains information in accordance with the ordinance under Art. 125a, para. 2 of the Road Traffic Act. (2) Information in the register of road traffic accidents and participants therein is provided to the Guarantee Fund in content, format and procedure determined in the ordinance under Art. 125a, para. 2 of the Road Traffic Act.

Register of Claims Representatives Art. 18. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) The register under Art. 571, para. 1, item 5 of the Insurance Code contains:

  1. for claims representatives of insurers from other Member States: a) abbreviation of the Member State of the insurer; b) name of the Member State of the insurer; c) name of the insurer from the Member State; d) code of the claims representative/insurer in Bulgaria; e) name (name) of the claims representative/insurer in Bulgaria; f) postal code; g) city/settlement; h) address; i) telephone number; j) (repealed - State Gazette, No. 77 of 2026, effective from 25.08.2026); k) e-mail address; l) date of appointment of the representative;
  2. for claims representatives of insurers from the Republic of Bulgaria: a) code of the insurer from the Republic of Bulgaria; b) name of the insurer from the Republic of Bulgaria; c) abbreviation of the Member State of the insurer; d) name of the Member State of the insurer; e) name (name) of the claims representative; f) postal code; g) city/settlement; h) address; i) telephone number; j) (repealed - State Gazette, No. 77 of 2026, effective from 25.08.2026); k) e-mail address; l) date of appointment of the representative. (2) Every insurer offering mandatory "Motor Third Party Liability" insurance to motorists in the Republic of Bulgaria submits to the Guarantee Fund a list of its claims representatives under Art. 503, para. 1 of the Insurance Code and updates it within three days from the date of the change of the respective circumstance.

Register of Carriers Authorized (Licensed) to Carry Out Public Passenger Transport Art. 19. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The register under Art. 571, para. 1, item 6 of the Insurance Code contains the data under Art. 574, para. 4, item 1 of the Insurance Code, which are provided to the Guarantee Fund by the Executive Agency "Automobile Administration" through an internal electronic administrative service. (2) The information from the register under para. 1 is mandatory used when concluding the mandatory "Accident" insurance for passengers in public transport vehicles.

Register of Vehicles Exempt from the Obligation to Conclude Mandatory "Motor Third Party Liability" Insurance in Member States Art. 20. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The register under Art. 571, para. 1, item 8 of the Insurance Code contains information on the categories of vehicles in each Member State that are exempt from the obligation to conclude mandatory "Motor Third Party Liability" insurance for motorists. The information is published by Member State based on data received by the Guarantee Fund from the information centers of the respective Member States and is updated upon receipt of subsequent information. (2) The register contains:

  1. code of the Member State;
  2. name of the Member State;
  3. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) available information on the categories of vehicles exempt from the obligation to conclude mandatory "Motor Third Party Liability" insurance for motorists.

Procedure for Collecting Data from Information Centers in Other Member States Art. 21. Information from the information centers in other Member States is collected in accordance with the established procedures for cooperation between the information centers.

Chapter Theta EXCHANGE OF OTHER INFORMATION BETWEEN THE GUARANTEE FUND AND THE MINISTRY OF INTERNAL AFFAIRS Provision of Information for the Purposes of Art. 572 of the Insurance Code

Art. 22. (1) The Guarantee Fund sends a written request to the Ministry of Internal Affairs or to the Executive Agency "Automobile Administration" when, for the disclosure of information to an injured person in accordance with Art. 572 of the Insurance Code, the Guarantee Fund needs information it does not possess, relating to:

  1. the identity or address of the owner and user of a motor vehicle without mandatory "Motor Third Party Liability" insurance for motorists, involved in a traffic accident that caused damage, as well as for:
  2. the company, seat or management address of a carrier with a public passenger transport vehicle, in the operation of which an accident occurred. (2) The request is sent no later than one day after the date of filing the application of the injured person under Art. 572, para. 6 of the Insurance Code. It specifies data on the injured person, date and place of the traffic accident, the registration number of the motor vehicle or public passenger transport vehicle, as well as other data that would help establish the circumstances under para. 1, if such were indicated by the injured person. (3) The competent bodies and services of the Ministry of Internal Affairs or of the Executive Agency "Automobile Administration" send a response no later than 10 days after the date of receipt of the request.

Exchange of Data for the Purposes of Notifying Owners without Mandatory Insurance under Art. 574, para. 10 of the Insurance Code Art. 23. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) To fulfill the obligations under Art. 574, para. 10 of the Insurance Code, the Guarantee Fund prepares an automated request for data on vehicle ownership from the register of vehicles and their owners of the Ministry of Internal Affairs, for which no contract for mandatory "Motor Third Party Liability" insurance for motorists has been concluded. The data request in the first sentence does not include vehicles under Art. 4, para. 1, items 11, 12, item 13, letters "b" and "d". (2) The request contains data in a format determined in accordance with a joint protocol signed by representatives appointed by the Minister of Internal Affairs, the Commission for Financial Supervision and the Management Board of the Guarantee Fund. The joint protocol also determines the method of access for submitting the data. (3) The data under para. 2 are provided by the Guarantee Fund to the Ministry of Internal Affairs via a network connection. (4) The Ministry of Internal Affairs provides an automated response to the request under para. 1 for vehicles that, at the time of execution of the request, do not have a terminated registration and are not suspended from traffic. The automated response contains the following data:

  1. code of the registration region;
  2. registration number (license plate number) of the vehicle;
  3. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) vehicle identification number (VIN)/frame number;
  4. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) type of vehicle;
  5. owner's name;
  6. last known current address of the owner in the register - code of the settlement according to the Unified Classifier of Administrative-Territorial and Territorial Units (EKATTE), region, municipality, settlement, address. (5) Access to a shared directory of the Guarantee Fund's server for file exchange under para. 2 and 4 is granted with a username and password, which are provided to the Ministry of Internal Affairs by the Guarantee Fund.

Exchange of Data for the Purposes of Officially Terminating Vehicle Registration under Art. 574, para. 11 of the Insurance Code Art. 24. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) To fulfill the obligations under Art. 574, para. 11 of the Insurance Code, the Guarantee Fund prepares an automated notification to the vehicle registration authority in the Ministry of Internal Affairs for the termination of vehicle registration. (2) The notification contains the following data:

  1. date of sending the notification to the Ministry of Internal Affairs;
  2. registration number (license plate number) of the vehicle;
  3. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) vehicle identification number (VIN)/frame number;
  4. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) type of vehicle;
  5. registration region number;
  6. date of checking for the existence of concluded mandatory "Motor Third Party Liability" insurance;
  7. notification number to the owner;
  8. date of sending the notification to the owner. (3) The data under para. 2 are provided in a format determined in accordance with a joint protocol signed by representatives appointed by the Minister of Internal Affairs, the Commission for Financial Supervision and the Management Board of the Guarantee Fund. The joint protocol also determines the method of access for submitting the data.

Provision of Information for the Restoration of Officially Terminated Registration Art. 25. (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) To fulfill the obligations under Art. 574, para. 6 of the Insurance Code in connection with Art. 143, para. 10, second sentence of the Road Traffic Act, the Guarantee Fund prepares an automated notification to the vehicle registration authority in the Ministry of Internal Affairs for the official restoration of vehicle registration at the moment of commencement of coverage under the insurance contract. (2) The notification contains the following data:

  1. date of sending the notification to the Ministry of Internal Affairs;
  2. registration number (license plate number) of the vehicle;
  3. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) vehicle identification number (VIN)/frame number;
  4. (am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) type of vehicle;
  5. policy number;
  6. registration region number;
  7. date and time of conclusion of the contract;
  8. start and end date and time of coverage. (3) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The Guarantee Fund submits the data on vehicles under para. 1 through an automated electronic service in real time. (4) The data under para. 2 are provided in a format determined in accordance with a joint protocol signed by representatives appointed by the Minister of Internal Affairs, the Commission for Financial Supervision and the Management Board of the Guarantee Fund. The joint protocol also determines the method of access for providing the data.

Chapter Four PROCEDURE FOR STORAGE AND PROTECTION OF DATA IN INSURERS' INFORMATION SYSTEMS AND THE ELECTRONIC REGISTERS OF THE GUARANTEE FUND (Title am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) Requirements for Insurers' Information Systems Art. 26. (Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) Insurers maintain information systems compatible with those of the Guarantee Fund and allowing the fulfillment of their obligations under this ordinance. (2) (Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) Every insurer builds and maintains an information system for generating, issuing and accounting for insurance contracts under Art. 3, insurance claims for "Motor Third Party Liability" insurance and "Casco" insurance, as well as for receiving requests for the issuance of certificates for submitted insurance claims under Art. 502 of the Insurance Code. (3) The information system must guarantee regulated and controlled access for persons who have the right to access in accordance with the requirements of the Insurance Code and this ordinance. (4) The Management Board of the Guarantee Fund adopts a functional and technical specification of the information system for maintaining the registers under this ordinance. The specifications in the first sentence cannot deviate from the provisions of this ordinance. (5) Insurers are obliged to secure their information systems technically in a manner that guarantees that personal data are accessible only to persons authorized to use such data by a decision of the governing body of the insurer. The information systems of insurers must store identification data for every person accessing personal data and maintain a register (log) of access to the specific information. (6) In connection with the fulfillment of para. 5, access to data is protected by a username and password of a user of the insurer's information system, which stores journal information on inquiries made containing personal data. The journal information contains the data on the basis of which the inquiry was made, the provided data, date, time and identifier of the person using access.

Adaptation of Insurers' Information Systems Art. 27. (Am. and Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) Insurers adapt and maintain their information systems in accordance with the specifications under Art. 26, para. 4 and the Guarantee Fund certifies their compatibility with the information system of the Guarantee Fund.

Inspections for Compliance with Requirements Art. 28. (Am. and Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) (Previous text of Art. 28, Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) Insurers and the Guarantee Fund provide technical opportunity for inspections by Ministry of Internal Affairs employees regarding the fulfillment of procedures, rules and processes for compliance with requirements for the protection of personal data received under this ordinance. (2) (New - State Gazette, No. 77 of 2026, effective from 25.08.2026) Insurers and the Guarantee Fund provide technical opportunity for inspections by the Commission for Financial Supervision regarding the fulfillment of the requirements of Art. 26 and 27.

Protection of Data in the Electronic Registers of the Guarantee Fund Art. 29. (Am. and Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The protection of data and the transmission environment, built for the exchange of data between the Guarantee Fund and the Ministry of Internal Affairs and the Executive Agency "Automobile Administration", is carried out in accordance with the requirements of the Ordinance on the Minimum Requirements for Network and Information Security, adopted by Council of Ministers Decree No. 186 of the Council of Ministers of 19.07.2019 (State Gazette, No. 59 of 2019). (2) Access to the electronic service is provided by the Ministry of Internal Affairs for use by the information system of the GF, built on a protected communication channel for connection between the Guarantee Fund and the Ministry of Internal Affairs. (3) (Am. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The data under Art. 571, para. 1, items 1, 2, 3 and 9 of the Insurance Code are classified as data level "2" or "TLP-AMBER" - with additional clarification for restriction of access within the meaning of Appendix No. 2 to Art. 6, para. 1 and 7 of the ordinance under para. 1, and the data under Art. 571, para. 1, item 4 - 8 of the Insurance Code are classified as data level "0" or "TLP-WHITE" within the meaning of the same appendix. (4) The Guarantee Fund stores the received data and protects access to them, not transferring its rights to third parties and not processing the data in any other manner incompatible with the purposes for which they are provided. (5) (Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The Guarantee Fund processes the provided personal data in strict compliance with the Personal Data Protection Act and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (General Data Protection Regulation) (OJ, L 119/1 of 4 May 2016).

Conditions and Procedure for Access to Information Stored in the Guarantee Fund by the Commission for Financial Supervision, the Ministry of Internal Affairs and the Executive Agency "Automobile Administration" Art. 30. (1) The Commission for Financial Supervision, the Ministry of Internal Affairs and the Executive Agency "Automobile Administration" have the right to full and free access to the information stored by the Guarantee Fund, as the access of employees of these state bodies is determined in accordance with the internal rules of the respective state body. Access to the data necessary for the exercise of the powers of the respective state body and for the fulfillment of the tasks assigned to the respective employee is ensured. (2) The Guarantee Fund provides the necessary user and program interface for access by the state bodies under para. 1 to the information in its registers.

Conditions and Procedure for Access to Information Stored in the Guarantee Fund by the National Bureau of Bulgarian Automobile Insurers Art. 31. (Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The National Bureau of Bulgarian Automobile Insurers has the right to free access to the information in the registers of the Guarantee Fund for the fulfillment of its functions in a procedure agreed between the Bureau and the Fund.

Conditions and Procedure for Access of Insurers to Information Stored in the Guarantee Fund Art. 32. (New - State Gazette, No. 77 of 2026, effective from 25.08.2026) (1) For the purposes of combating insurance fraud, every insurer offering mandatory "Motor Third Party Liability" insurance to motorists and "Casco" insurance for motor vehicles in the Republic of Bulgaria has the right to access the following data from the register under Art. 571, para. 1, item 9 of the Insurance Code:

  1. data from the protocols submitted to the Guarantee Fund by the Ministry of Internal Affairs in accordance with Art. 7 of Ordinance No. Iz-41 of 12.01.2009 on the documents and procedure for their compilation in road traffic accidents and the procedure for information exchange between the Ministry of Internal Affairs, the Commission for Financial Supervision and the Guarantee Fund (State Gazette, No. 8 of 2009), hereinafter "Ordinance No. Iz-41";
  2. data from bilateral accident reports for road traffic accidents submitted to the Guarantee Fund by insurers in accordance with Art. 5, para. 4 of Ordinance No. Iz-41. (2) Access to the data under para. 1 for an injured person or vehicle is provided upon specific request from the insurer only in connection with an insurance claim submitted to it and registered in the Guarantee Fund in accordance with Art. 13, in accordance with the rules under Art. 7, para. 5 of Ordinance No. Iz-41.

TRANSITIONAL AND FINAL PROVISIONS § 1. Until technical possibility for daily updating of data in the vehicle register under Art. 4, para. 1 is ensured, the register is updated by providing a file containing data on all vehicles within the scope of Art. 4, para. 2 on a weekly basis. § 2. Until technical possibility is ensured, the data under Art. 25 are submitted in the form of files via a protected communication channel built between the Ministry of Internal Affairs' data transmission network and a designated file server of the Guarantee Fund. § 3. This ordinance repeals Ordinance No. Iv-991 of 2006 on the forms and manner of exchange of information and interaction between the Information Center for Mandatory "Motor Third Party Liability" Insurance for Motorists and "Accident" Insurance for Passengers, the Ministry of Internal Affairs and the Ministry of Transport (State Gazette, No. 57 of 2006).

§ 4. (1) This ordinance enters into force from the date of its publication in the "State Gazette" with the exception of Art. 10 and 11, which enter into force from the date of entry into force of the ordinance under Art. 490, para. 5 of the Insurance Code. (2) Insurers fill in the register under Art. 6 in accordance with its requirements and apply Art. 7, para. 2 after the expiration of the term under para. 6. Until the expiration of the term under para. 6, the register of insurance policies is kept in the previous manner. (3) The provisions of Art. 8, para. 3, para. 4, second sentence and para. 8 - 10 are applied after the expiration of the term under para. 6. (4) The Commission for Financial Supervision adopts by decision the inquiries under Art. 7, para. 2 and Art. 13, para. 2 within two months from the entry into force of this ordinance. (5) The protocols under Art. 5, 9 and 23 - 25 are signed within two months from the date of entry into force of this ordinance. (6) The Guarantee Fund commissions the refinement of the information system within two weeks from the adoption of the inquiries under para. 4. Within one month from the adoption of the inquiries under para. 4, the Guarantee Fund provides insurers with detailed technical specifications for bringing information systems into compliance with the information system of the Guarantee Fund. Within four months from the adoption of the inquiries under para. 4, the Guarantee Fund brings its information system into compliance with the requirements of this ordinance and ensures conditions for its testing by insurers for a period of three months. Insurers and the National Bureau of Automobile Insurers bring their activities into compliance with the requirements of this ordinance within three months from the beginning of the testing period. (7) The electronic service under Art. 9, para. 1 does not include the information under para. 7, item 8, letters "b" and "v" and item 16 until 1.01.2018. § 5. The Guarantee Fund brings its activities into compliance with Art. 29, para. 1 within seven months from the date of entry into force of this ordinance. § 6. (Suppl. - State Gazette, No. 77 of 2026, effective from 25.08.2026) The ordinance is issued on the basis of Art. 571, para. 4, in conjunction with Art. 490a, para. 2, Art. 502, para. 2, Art. 571, para. 5 - 7, Art. 574, para. 9 and Art. 575, para. 3 of the Insurance Code and is adopted by Decision No. 164-N of 30 December 2016 of the Commission for Financial Supervision. Chairman of the Commission for Financial Supervision: Karina Karaiwanova Minister of Internal Affairs: Rumyana Bachvarova For the Minister of Transport, Information Technologies and Communications: Valeri Borisov

Transitional and Final Provisions to the Ordinance on Amendment and Supplement to Ordinance No. 54 of 30.12.2016 on the Registers of the Guarantee Fund for the Exchange and Protection of Information and the Issuance and Accounting of Mandatory Insurance under Art. 461, items 1 and 2 of the Insurance Code (State Gazette, No. 77 of 25.08.2026, effective from 25.08.2026) § 30. (1) Within three months from the entry into force of this ordinance, the Commission for Financial Supervision adopts by decision amendments and supplements to the inquiries under Art. 7, para. 2 and Art. 13, para. 2.

(2) Within one month from the adoption of the amendments and additions to the appendices under para. 1, the Guarantee Fund shall provide insurers with detailed technical specifications for bringing their information systems into compliance with this Decree.

(3) Within one month from the adoption of the amendments and additions to the appendices under para. 1, the Guarantee Fund shall provide insurers with detailed technical specifications for bringing their information systems into compliance with Decree No. 49 for the purposes of issuing and receiving certificates for submitted insurance claims under Art. 502 of the Insurance Code.

(4) Within three months from receipt of the detailed technical specifications under paras. 2 and 3, the Guarantee Fund and insurers shall bring their information systems into compliance with these specifications.

§ 31. (1) Within eighteen months from the entry into force of this Decree, the Guarantee Fund shall build the EISOKR on a platform that supports the registers and ensures data exchange with insurers' systems via a REST API (Representational State Transfer Application Programming Interface) interface.

(2) Within nine months from the adoption of the amendments and additions to the appendices under § 30, para. 1, the Guarantee Fund shall provide insurers with detailed technical specifications for bringing their information systems into compliance with the information system of the Guarantee Fund in accordance with the requirements of para. 1. Within the same period, the Guarantee Fund shall bring its information system into compliance with the requirements of this Decree and ensure conditions for its testing by insurers for the purposes of applying para. 1.

(3) Within nine months from the start of the testing period under para. 2, insurers and the National Bureau of Motor Insurers shall bring their activities into compliance with the requirements of para. 1.

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