Insurance
Carrier`s Liability (CMR)

What is "Carrier Liability Insurance"?

• Voluntary insurance covering the carrier's liability for the goods it transports. Any legal entity or sole trader with a registered office and registration in the Republic of Bulgaria, holding a valid license for international road transport of goods in accordance with the applicable legislation of the Republic of Bulgaria, may be insured under this insurance.

Insurance coverage:

Basic coverage - the carrier's liability for damage caused to third parties as a result of total or partial loss or damage to goods occurring during the carriage of goods by road:

• for international transport - from the moment of acceptance for transport to the moment of delivery, in accordance with the Convention on the Contract for the International Carriage of Goods by Road (CMR).
• on the territory of the Republic of Bulgaria, in accordance with the Road Transport Act and the Commercial Act. (You can choose only this coverage.)

Additional coverage - in addition to the basic coverage, one or a combination of the following may be agreed upon at the time of concluding the contract:

• cabotage transport in Europe (excluding Germany);
• cabotage transport in Germany
• loss and/or damage to containers and container equipment owned by third parties as a result of a traffic accident or fire - with a limit of EUR 5,000 and additional expenses for their repatriation and rescue, with a limit of EUR 2,500.

What are my obligations?

Upon conclusion of the contract:

• to answer all questions asked by us upon conclusion of the insurance contract, providing us with accurate, true, and complete information;
• to provide a complete list and specification of the motor vehicles used for transport;
• to indicate the areas in which you carry out transport;
• to provide the documents requested by us;
• to pay the insurance premium or the first installment thereof, in the case of agreed deferred payment.

During the term of the contract:

• take the necessary measures to prevent events that may lead to the occurrence of an insured event covered by the insurance contract;
• to notify us immediately upon becoming aware of any circumstance that leads to an increase in risk and of any changes or new circumstances for which we have asked in writing upon conclusion of the contract;
• if the premium is deferred, to pay the individual deferred installments on the due dates specified in the policy.

Upon the occurrence of an insured event, except in cases of actual impossibility:

• notify us in writing, in the event of an occurrence, within the agreed time limits;
• submit a written notification, in accordance with the template, to our office and provide the necessary documents when filing a claim;
• invite the emergency commissioner to conduct an inspection to determine the extent and causes of the damage;
• notify the relevant competent authorities (police, fire department, etc.);
• take all reasonable measures to prevent, limit, or reduce the damage, as well as to clarify the extent of the loss or damage;
• not to acknowledge, satisfy or reject any claims without our prior written consent;
• to provide us with all necessary documents proving the occurrence of the insured event and the extent of the damage;
• notify us immediately in writing if a lawsuit (claim) for damages has been filed against you and involve us in the proceedings;
• take action on the complaint in order to secure our rights within the statutory time limits