The fine you will have to pay in the absence of Civil Liability Insurance is BGN 250. for natural persons. For legal entities or sole traders the sanctions are severe - BGN 2,000. A person who is not the owner but drives a motor vehicle without a valid Civil Liability shall be punished by a fine of BGN 400.
Fines for faulty drivers were introduced with the latest changes in the Insurance Code (IC), which entered into force on January 1, 2016.