Casco (own-damage car insurance) — Bulgaria

[1] Own damage: Covered ↩

Covers damage directly caused by a road traffic accident (collision) or impact from/with other physical objects when this does not constitute a road traffic accident. Available only in the Max package. The insured sum (agreed in the policy in BGN or EUR) constitutes the upper limit of indemnity. Damage is assessed against Actual Value. Vehicles aged up to 4 years: Official Service repair; 5–10 years: Trusted/Third-party workshop; 11+ years: Expert Assessment. Under the Max package, without clear right of recourse against an identified third party, compensation is limited to up to 4 insurance events in total across both ПТП and Vandalism coverages per policy period.

[2] Total loss: 100% of insured sum ↩

Total loss is defined as theft/robbery of the entire vehicle or a total write-off (repair costs exceed 70% of the vehicle's actual value at the date of the event). Upon total loss, the insurer pays the actual value of the vehicle at the date of the event, not exceeding the total Casco insured sum stated in the policy. Applicable across all Casco-bearing packages: Plus, Extra, Max. Under the Max package, the Financial Loss from Vehicle Depreciation add-on (available for new vehicles up to 6 months old at policy start, Max package only) additionally compensates the gap between the total insured sum and the actual value.

[3] Partial loss: 100% of insured sum ↩

Partial damage is compensated up to the total Casco insured sum in the policy. The amount of indemnity is determined on the basis of an approved Damage Report against Actual Value. For vehicles under warranty, where the event is caused by a technical defect, the insurer does not cover the resulting damage. For vehicles not under warranty, the value of the faulty parts causing the damage is deducted from the indemnity. Applies to all Casco-bearing packages (Plus, Extra, Max) for the covered perils available in each tier.

[4] Theft & robbery: 100% of insured sum ↩

Covers: theft/robbery of the entire vehicle; partial damage resulting from theft/robbery of the entire vehicle (if recovered before indemnity payment and partial damage is covered by the policy tier); theft of factory-installed multimedia systems in passenger cars up to 4 years old (sub-limit: 1 event per policy term, max 5% of the Casco insured sum, not exceeding the purchase price of a new equivalent system); cost of key replacement upon proven theft. Not covered in Russian Federation, Ukraine, Belarus, Moldova, Albania, Armenia, Georgia and Kosovo. Covered with 20% deductible in North Macedonia and Montenegro. Not covered: theft/robbery of motorcycles and mopeds; theft of individual parts listed in exclusions; vehicle left unlocked or with key inside. Available in Extra and Max packages only.

[5] Glass damage: Covered ↩

Covers damage to front, rear, side windows or glass roof of the vehicle due to breakage or damage, but only when no other parts of the vehicle are damaged in the same event. If other parts are also damaged in the same event, the glass damage is not separately compensated under this coverage (it would fall under the applicable Casco peril coverage instead). Available in Extra and Max packages only.

[6] Natural perils: Covered ↩

Covers damage directly caused by: Flood, Volcanic action, Landslide or Ground collapse, Storm (wind speed ≥15 m/s), Hail, Heavy rain, Lightning, falling ice masses or snow mass, as well as damage when these phenomena cause the vehicle to overturn or fall of trees, branches and/or objects on it. Excludes: damage caused by earthquake and its consequences; damage to the vehicle body caused by the driver's failure to take account of specific meteorological conditions; damage during loading/unloading caused by ground collapse. Available in Plus, Extra and Max packages.

[7] Vandalism: Covered ↩

Covers damage (destruction or damage to the vehicle) directly caused by or in connection with malicious acts of third parties including vandalism, and deliberate arson, explosion and/or blast. Excludes: puncturing, cutting or similar damage to tyres, except for tyres manufactured up to 24 months prior to the event date and with at least 80% functional condition. Under the Extra package, without clear right of recourse against an identified person, only 1 insurance event per policy period is covered. Under the Max package, without clear right of recourse, up to 4 events in total across ПТП and Vandalism coverages per policy period are covered. Available in Extra and Max packages.

[8] Roadside assistance: Covered ↩

Basic coverage (all packages including Comfort): on-site repair, vehicle transportation to nearest workshop, passenger transport up to 50 km, information services. Extended coverage (Plus, Extra, Max): all basic services plus replacement vehicle, hotel accommodation (3-star, up to 3 nights at up to 147 BGN/night/person), return to home location (train 1st class / bus / plane for distances >750 km), tyre change, fuel delivery, transport to recovered stolen vehicle, repatriation of remains, vehicle scrap removal (up to 245 BGN). For EV: battery charging on-site or transport to nearest charging station. Replacement vehicle: one class below insured vehicle, not higher than mid-class; 4 days (breakdown/lost key), 6 days (damage/vandalism/theft). Territorial scope: Europe (incl. European Turkey and Cyprus), excluding Belarus, Ukraine, Russia, Moldova.

[9] Replacement vehicle: Conditional ↩

Included as part of the Extended Autoassistance coverage in Plus, Extra and Max packages. Provided when the insured vehicle cannot move under its own power due to a covered event and the insurer cannot restore it to working condition the same day. The replacement vehicle is one class below the insured vehicle, not higher than mid-class (e.g. Volkswagen Golf). For EV/hybrid, an electric/hybrid replacement is provided if available. Duration: up to 4 days for breakdown/wrong fuel/lost key; up to 6 days for damage/vandalism/theft of parts/theft or robbery of the entire vehicle. Not provided for flat tyre or fuel exhaustion. The rental agreement is signed directly with the rental company, which may require a deposit or credit card guarantee. Not available in the Comfort package.

[10] Driver accident: Covered ↩

Basic coverage (Comfort, Plus, Extra, Max): covers risks to the life, health or physical integrity of the driver and passengers in the vehicle as a result of a road traffic accident occurring during vehicle movement or standstill (including boarding/alighting). Covered risks: death resulting from occupant accident; permanent reduced work capacity (ТНР) resulting from occupant accident. Extended coverage (Plus, Extra, Max): same covered risks but with a higher insured sum as stated in the policy. The ТНР percentage is determined under the National Medical Expert Commission procedure, not earlier than 3 months after the accident. Insured sum per event and per person is stated in the policy. Territorial scope: same as mandatory MTPL.

[11] Own damage: 100% of insured sum ↩

Covers partial damage to the insured vehicle caused by road traffic accidents (PTP including damage while parked caused by another vehicle or animal, stone chip from another moving vehicle), accidental falling of objects or liquids from buildings or aircraft, and damage from plumbing or sprinkler system failures in enclosed garages. Available under clause Частично каско and all higher clauses. Maximum indemnity equals the insured sum. Compensation method depends on vehicle age and premium tier per GTC §109-111.

удар от камък или друг предмет по застрахованото МПС, отхвръкнал при движението на друго МПС;

[12] Total loss: 100% of insured sum ↩

A vehicle is declared a constructive total loss when technical restoration is impossible (GTC §3.9.1), or an economic total loss when repair costs exceed 70% of actual vehicle value at the date of the insured event (GTC §3.9.2). For total loss other than theft, compensation equals actual vehicle value minus salvage value, up to the insured sum (GTC §123). For theft total loss, compensation equals actual vehicle value up to the insured sum (GTC §124). Outstanding premium instalments and pre-existing documented damage are deducted.

стойността на разходите за възстановяване надхвърля 70% от действителната стойност на МПС към датата на настъпване на застрахователното събитие (икономически тотал);

[13] Partial loss: 100% of insured sum ↩

Any damage that does not constitute a total loss is a partial loss (GTC §3.10). Covered under all clauses for the risks each clause includes. The insured sum reduces by the amount of each partial loss payment unless reinstated via a policy addendum with additional pro-rata premium (GTC §50, §116). If not reinstated, the proportional compensation rule (GTC §48) applies to subsequent events.

„Частична щета“ е всяко увреждане, различно от пълна загуба;

[14] Theft & robbery: 100% of insured sum ↩

Covers theft of entire vehicle, robbery of entire vehicle, and unlawful taking of entire vehicle with intent to use (GTC §7.3), under clause Кражба на МПС and Пълно каско. Conditional on the vehicle having a functioning alarm system if required by the insurer at policy inception (GTC §73-74). Notification within 24 hours; all locking devices and registration documents must be submitted within 24 hours (GTC §82.3-82.4). Not covered in Russia, Ukraine, Belarus, Moldova, Azerbaijan, Albania, Bosnia and Herzegovina, Montenegro, Tunisia and Morocco (GTC §9).

Кражба на цяло МПС; Грабеж на цяло МПС; Противозаконно отнемане на цяло МПС с намерение за ползване.

[15] Glass damage: Conditional ↩

No standalone glass clause exists. Glass damage from a stone or object thrown by another moving vehicle is covered as part of road traffic accident (PTP) under clause Частично каско and above (GTC §7.2.1.2). Hail damage to glass, including water ingress through broken glass, is covered under natural perils in clause Минимално каско (GTC §154.3).

удар от камък или друг предмет по застрахованото МПС, отхвръкнал при движението на друго МПС;

[16] Natural perils: 100% of insured sum ↩

Included in the base clause Минимално каско and all higher clauses (GTC §7.1). Covered perils: storm/hurricane (wind above 15 m/s), hail, flood from natural disaster, landslide/ground collapse, volcanic activity, snow/ice weight damage, avalanche, and falling branches/trees from natural disasters. Fire and explosion resulting from these perils, lightning, technical malfunction or accidental event are also covered, excluding intentional arson or explosion.

Природни бедствия: буря, ураган, градушка, наводнение от природно бедствие, свличане или срутване на земни пластове, вулканична дейност

[17] Vandalism: 100% of insured sum ↩

Covered only under clause Пълно каско (GTC §7.4.2). Covers mechanical/chemical actions by third parties: hitting with hard objects, breaking, scratching, puncturing, overturning, or spraying with paint/chemically active substances. Tyre damage is explicitly excluded. Intentional arson and explosion are also covered under Пълно каско (GTC §7.4.3). Vandalism claims not documented by a police report are limited to 5% of insured sum (GTC §119.3).

Злоумишлени действия на трети лица, изразяващи се в механично или химично въздействие върху застрахованото МПС

[18] Roadside assistance: €60,000 ↩

Included free of charge for passenger vehicles up to 3.5 tonnes and up to 9 seats insured under any Casco clause. Annual aggregate limit of EUR 60,000 per insured and vehicle. Valid outside Bulgaria in Green Card member states for trips up to 90 consecutive days. Technical breakdown coverage limited to vehicles up to 12 years old. Provided by Inter Partner Assistance (Athens) via Koris Bulgaria, tel. +359 2 903 0 122, 24/7. Sublimits: roadside repair/towing EUR 250; lifting equipment EUR 300; repatriation EUR 1,500; abandonment abroad EUR 500; provisional repair advance EUR 1,500; accommodation EUR 50/night up to 3 nights; legal deposit EUR 8,000; attorney fees EUR 1,500. The Special Conditions' general exclusions (Section III.3.г) state that assistance is not provided for a vehicle that has not passed its mandatory periodic technical inspection.

не повече от 60 000 евро на Застрахован и МПС, за периода на валидност на застрахователната полица.

[19] Replacement vehicle: Conditional ↩

Two distinct provisions of the Auto Assistance abroad Special Conditions can provide a replacement car, in both cases for a maximum of 72 hours (not a monetary amount): (1) Section II.2 - if following a road traffic accident (PTP) the vehicle is immobilised for at least 8 hours and repair cannot be completed within the next 48 hours, a category B or C rental car is provided for up to 72 hours; fuel and toll charges are not covered; the renter/driver must hold a valid credit card, be at least 21 years old, and hold a valid licence of the relevant category for over one year; using this option makes the accommodation/repatriation options under II.7(a/b) unavailable. (2) Section II.7 - if after a PTP, technical breakdown, or theft the vehicle cannot be made roadworthy or is not found within 12 hours, the Assistance company may, as an alternative to paying accommodation costs or repatriating the insured, provide a category B or C rental car for up to 72 hours so the insured can continue the journey.

автомобил под наем, категория B или C, за период не по-дълъг от 72 часа.

[20] Driver accident: Optional ↩

Optional add-on under the Special Conditions for Accident at Seats in MPS, appended to the Casco policy. Covers all seats listed in the vehicle's registration certificate, including the driver's seat, for death, permanent or temporary loss of working capacity resulting from a road traffic accident (PTP) involving the insured vehicle. The same insured sum applies to all seats. Per the Special Conditions' own exclusions (Section III, points 7.1-7.5), cover does not apply to: events not resulting from a PTP involving the insured vehicle; the vehicle being driven by an unlicensed driver (except training vehicles driven by a learner in the presence of a licensed instructor); the driver being under the influence of alcohol, narcotics, stimulants or medication contraindicated for driving; the vehicle's participation in drag/street racing, off-road driving and similar; and participation in trainings or competitions with the vehicle, unless otherwise agreed. The Special Conditions do not list a missing periodic technical inspection or generic 'deliberate acts' among these exclusions.

за събития, които не са в резултат на ПТП с участието на застрахованото моторно превозно средство;

[21] Own damage: 100% of insured sum ↩

Covers total loss, total damage, or partial damage to the insured vehicle caused by covered risks under the selected clause. Insured sum may not exceed the actual value of the vehicle at policy inception. For partial damage, indemnity equals repair costs via the method chosen by the insured (official brand service center, trusted service, invoices, or expert valuation), depending on vehicle age. Total liability is capped at the insured sum and never exceeds the actual vehicle value at the time of the insured event.

Застрахователят покрива пълна загуба, тотална или частична щета на застрахованото МПС, причинени от рисковете, групирани в следните клаузи: Клауза „М“ – „Минимално каско“; Клауза „Р“ – „Разширено каско“; Клауза „К“ – „Кражба и грабеж“; Клауза „П“ – „Пълно каско“. […] Застрахователната сума на МПС се договаря между Застрахователя и Застраховащия и не може да надвишава действителната му стойност към датата на сключване на застрахователния договор. […] 91.1. до 3 (три) години, считано от годината на производство или първата регистрация, която от двете е по-ранна, обезщетението се определя по един от следните начини, избран от Застрахования: 91.1.1. обезщетяване чрез ремонт на МПС в предложен от Застрахователя официален сервиз на съответната марка в Република България; 91.1.2. обезщетяване чрез ремонт на МПС в предложен от Застрахователя доверен сервиз, който не е официален за марката в Република България; 91.1.3. изплащане на парично застрахователно обезщетение за ремонт, извършен в избран от Застрахования сервиз, срещу представени разходооправдателни документи, при условията на т. 91.5; 91.1.4. експертна оценка на Застрахователя.

[22] Total loss: 100% of insured sum ↩

Total loss is declared when: (a) the body/chassis and engine are damaged beyond use, or repair costs exceed 70% of the actual value; or (b) cumulative indemnities paid exceed 80% of the insured sum. Upon total loss, the insurer pays the insured sum or its remainder, reduced by the value of salvageable parts and previously paid indemnities, but not exceeding the actual vehicle value at date of loss. The policy terminates upon payment for total loss.

92. Застрахователят определя тотална щета на застрахованото МПС, когато: 92.1. в резултат на застрахователно събитие са увредени до степен на негодност купето, шасито, рамата и двигателят или разходите за отстраняването на щетите ще надхвърлят 70% от действителната стойност. […] 92.2. с настъпването на последната щета, изплатените до този момент застрахователни обезщетения надвишават 80% (осемдесет процента) от застрахователната сума.

[23] Partial loss: 100% of insured sum ↩

Any damage other than total loss or full loss. Indemnity covers the cost of restoring the damaged vehicle per the policy conditions. Repair method depends on vehicle age: vehicles up to 3 years may use official brand service centers; 3–8 years use trusted (non-official) service centers; 8–11 years use trusted service or expert valuation; over 11 years use expert valuation. Upgrade to official service is available for vehicles 3–8 and over 11 years upon payment of additional premium. After each partial-loss indemnity, the insured sum reduces by the amount paid (unless subrogation applies).

2.10. ЧАСТИЧНА ЗАГУБА (ПОВРЕДА, УВРЕЖДАНЕ, ЩЕТА) – всяка повреда, различна от пълна загуба и тотална щета, при която Застрахователят обезщетява разходите по възстановяването на увреденото МПС съобразно условията в застрахователния договор. […] 91.1. до 3 (три) години, считано от годината на производство или първата регистрация, която от двете е по-ранна, обезщетението се определя по един от следните начини, избран от Застрахования: 91.1.1. обезщетяване чрез ремонт на МПС в предложен от Застрахователя официален сервиз на съответната марка в Република България; […] 91.2. над 3 (три) до 8 (осем) години, считано от годината на производство или първата регистрация, която от двете е по-ранна, обезщетението се определя по един от следните начини, избран от Застрахования: 91.2.1. обезщетяване чрез ремонт на МПС в предложен от Застрахователя доверен сервиз, който не е официален за марката в Република България;

[24] Theft & robbery: 100% of insured sum ↩

Covers theft or robbery of the entire vehicle under Clause К and Clause П only. Indemnity equals the insured sum but not more than the actual vehicle value at date of event. Not covered: theft/robbery of individual parts, accessories, goods inside vehicle, fuel. Not covered if vehicle left unlocked, engine running, keys in ignition, or registration documents left inside. Not covered for vehicles with foreign registration outside Bulgaria. Not covered in Green Card countries outside EU/EEA/Switzerland/Serbia/North Macedonia/European part of Turkey.

11. По тази клауза Застрахователят покрива щети от следните застрахователни събития: 11.1. кражба на цяло МПС; 11.2. грабеж на цяло МПС. […] 12.3. кражба или грабеж на отделни детайли, възли и агрегати на МПС, оборудване и принадлежности на МПС, както и на вещи и предмети, намиращи се в него; 12.4. кражба на гориво или масло; […] 12.1. оставяне на МПС незатворено, незаключено, с работещ двигател, или ако контактните ключове са били на стартера или в купето, и/или регистрационните документи са оставени в МПС;

[25] Glass damage: Covered ↩

Glass damage is covered under Clause Р and Clause П as part of damage caused by third-party malicious acts (vandalism, mechanical and chemical effects) and road traffic accidents. Damage to tyres/rims from road potholes without an official police document is covered only for one event per policy term. Damage to a tyre from malicious acts is covered only once per policy term if tyre has at least 70% tread life and is not older than 2 years from manufacture.

9.6. злоумишлени действия на трети лица, изразяващи се в умишлено механично или химично въздействие върху застрахованото МПС. 9.6.3. Увреждане на гума вследствие на злоумишлени действия на трети лица се покрива за едно събитие през срока на застрахователния договор, при условие че към датата на събитието гумата има остатъчна годност не по-малко от 70% и не е произведена повече от две години преди годината на настъпване на събитието. 9.7. Увреждане на гуми и/или джанти на застрахованото МПС вследствие на преминаване през дупка или неравност на пътя, за което не са налице предпоставките за издаване на документ по т. 71, представлява събитие по декларация по смисъла на т. 2.9 и се покрива за едно събитие през срока на застрахователния договор.

[26] Natural perils: Covered ↩

Covered under all clauses (М, Р, П). Includes: storm, hurricane, hail, flood, heavy rain, thunder and lightning, accidental falling of branches/trees/objects due to listed natural perils, action of sea waves, landslides, rockfalls, and damage from natural accumulation of snow and ice. Fire and/or explosion resulting from technical failure or accidental event while vehicle is stationary with engine off is also included in Clause М.

7.2. природни бедствия: буря, ураган, градушка, наводнение, проливен дъжд, гръм и мълния, случайно падане на клони, дървета и други предмети вследствие на гореизброените природни бедствия; действие на морски вълни, свличане или срутване на земни пластове, увреждане от естествено натрупване на сняг и лед. […] 7.1. пожар и/или експлозия, възникнал/и в резултат на техническа неизправност и/или случайно събитие, по време на покой на МПС и неработещ двигател; […] 9.1. всички рискове посочени в Клауза „М“;

[27] Vandalism: Covered ↩

Covered under Clause Р and Clause П. Includes intentional mechanical and chemical damage to the insured vehicle by third parties. Tyre damage from vandalism is covered once per policy term only if the tyre has at least 70% remaining life and is not more than 2 years old from manufacture. Deliberate arson and explosion is additionally covered only under Clause П.

9.6. злоумишлени действия на трети лица, изразяващи се в умишлено механично или химично въздействие върху застрахованото МПС. […] 9.6.3. Увреждане на гума вследствие на злоумишлени действия на трети лица се покрива за едно събитие през срока на застрахователния договор, при условие че към датата на събитието гумата има остатъчна годност не по-малко от 70% и не е произведена повече от две години преди годината на настъпване на събитието. […] 13.2. умишлен палеж и взривяване.

[28] Roadside assistance: 10% of insured sum ↩

For events in Bulgaria: the insurer covers towing/transport of the damaged vehicle to the nearest location where repairs can be performed or to the vehicle's home base, if the vehicle cannot move under its own power and an official accident report (protocol) has been issued. Limited to 2 events per policy term, with total transport distance capped at 250 km combined for both events. Storage costs are covered up to 5% of the insured sum but not more than 250 EUR. For events abroad (after prior coordination): provisional repair needed to safely drive to Bulgaria up to 10% of insured sum; transport of vehicle to nearest repair location in Bulgaria or home base up to 10% of insured sum but not more than 1,000 BGN; storage costs up to 5% of insured sum but not more than 500 BGN. Towing not covered when vehicle can move under own power (e.g. glass, light, mirror, tyre/rim damage without immobilisation).

98.1.3. Разходите за отговорно пазене до 5% от ЗС, но не повече от 250 евро.

[29] Replacement vehicle: Excluded ↩

A replacement vehicle is not mentioned as a covered benefit in the General Terms and Conditions or the IPID for this product.

Какво покрива застраховката? Клауза „М“ — природни бедствия; пожар/експлозия при покой и неработещ двигател. Клауза „Р“ — всички рискове по „М“; ПТП и маневриране; случайни механични увреждания при престой; пожар/експлозия при работа или движение; злоумишлени действия; договорените специални покрития. Клауза „К“ — кражба или грабеж на цялото превозно средство. Клауза „П“ — всички рискове по „М“, „Р“ и „К“, както и умишлен палеж и взривяване. При покрито събитие — разходи за транспортиране, провизорен ремонт и отговорно пазене в лимитите и при условията на Общите условия.

[30] Driver accident: Excluded ↩

Accident insurance for the driver or occupants is a separate product (Застраховка "Злополука на местата") and is not part of the Casco policy coverage under these General Terms and Conditions.

Задължителна застраховка „Злополука на местата в средствата за обществен транспорт“ Застраховка „Злополука на местата“ Застраховка „Каско“ на МПС […] смърт вследствие злополука […] Застрахователна сума / лимит на отговорност Съгласно КЗ До 10 000 EUR До действителната стойност на МПС

[31] Own damage: 100% of insured sum ↩

The insurer covers full loss or partial damage to the insured vehicle caused by road traffic accidents (including damage in parked state from other vehicles), accidental falling of aircraft or other objects, damage from burst water/sewage/steam/sprinkler pipes in a closed garage or parking lot, fire and explosion from technical failure, and natural perils. Coverage is included under the base clause Частично КАСКО and extends to all upper clauses.

Пътно-транспортни произшествия (ПТП), вкл. увреждане в паркирано състояние от други превозни средства;

[32] Total loss: 100% of insured sum ↩

Total loss is defined as destruction where the body and engine are rendered unserviceable, or where the cost of repairs exceeds 80% of the actual value of the vehicle at the date of the event. Compensation equals the actual value minus the value of salvageable parts (max 25% of vehicle actual value). Covered under all clauses.

Тотална загуба е налице тогава, когато размерът на щетата надвиши 80% от действителната стойност на МПС (икономически тотал) към датата на застрахователното събитие.

[33] Partial loss: 100% of insured sum ↩

Partial damage is covered where the vehicle is damaged to a degree that allows economic restoration through repair. The compensation is determined within the limits of the insured sum based on the actual or replacement value at the date of the event. Included under all clauses starting from Частично КАСКО.

частични щети - имуществото е увредено до степен, която позволява неговото възстановяване чрез ремонти то е икономически обосновано и целесъобразно;

[34] Theft & robbery: 100% of insured sum ↩

Covers theft of the entire vehicle, robbery of the entire vehicle, and unlawful taking of the entire vehicle with intent to use. Available from clause Кражба на МПС and above. Under Пълно КАСКО, theft by break-in or technical means of permanently factory-installed multimedia equipment (audio, video, navigation) is also covered. Upon theft/robbery, the insured must notify the MoI and the insurer within 24 hours. All keys, registration documents, alarms, and immobilisers listed in the policy must be surrendered.

Кражба на цяло МПС; Грабеж на цяло МПС; Противозаконно отнемане на цяло МПС с намерение за ползване.

[35] Glass damage: Not established from the reviewed documents ↩

Glass damage as a standalone coverage is not mentioned in the reviewed IPID or claims rules for this product. The IPID explicitly excludes damage or destruction of tyres, rims, and emblems except in RTA cases.

увреждане или унищожаване на гумите, джантите или емблеми, с изключение на случаите на ПТП и при експлоатация на специализирани МПС по предназначение;

[36] Natural perils: 100% of insured sum ↩

Covers storm, hail, flood, and other natural disasters, as well as fire and explosion resulting from natural disasters or technical failure. Earthquake and its consequences are explicitly excluded. Included from the base clause Частично КАСКО.

Природни бедствия (буря, градушка, наводнение и др.); Пожар и експлозия от техническа неизправност или природни бедствия;

[37] Vandalism: 100% of insured sum ↩

Covers malicious acts of third parties expressed as mechanical or chemical impact on the insured vehicle – striking with a hard object, breaking, scratching, puncturing, overturning, spraying with paint or chemically active substances (acids, alkalis, etc.), excluding damage to tyres. Also covers intentional arson or intentional explosion/detonation of the vehicle. Available only under Пълно КАСКО.

Злоумишлени действия на трети лица, изразяващи се в механично или химично въздействие върху застрахованото МПС – удар с твърд предмет, счупване, надраскване, пробиване по МПС, преобръщане на МПС, заливане с бои или с химически активни вещества – киселини, основи и други, с изключение на увреждания на гумите на МПС

[38] Roadside assistance: Not established from the reviewed documents ↩

Roadside assistance is not stated as a standard inclusion in the reviewed IPID or product page for Каско на МПС. It may be available as an additional coverage option; however, no specific roadside assistance terms or limits were found for this product in the reviewed sources.

[39] Replacement vehicle: Not established from the reviewed documents ↩

A replacement vehicle benefit is not mentioned in the reviewed IPID or claims rules for Каско на МПС. No terms or limits were found in the reviewed sources.

[40] Driver accident: BGN 1,000 ↩

The insurer covers medical expenses up to a total limit of BGN 1,000 for all injured persons within the period of the policy (Здравна грижа / Health Care coverage). This coverage is triggered only in the event of a road traffic accident (RTA) evidenced by an official RTA report with injured persons. Available under all clauses.

Застрахователят покрива медицински разноски до лимит от 1000 лева общо за всички пострадали лица в рамките на срока на покритие на застраховката (покритие „Здравна грижа“).

[41] Own damage: Covered ↩

Covers repair costs for damage to the insured vehicle from road traffic accidents (collision or impact with other vehicles, moving or stationary objects, animals or persons, including when parked; opening of bonnet or door while in motion), fire and/or explosion during operation, natural perils, utility system failures, and malicious acts by third parties. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko. The compensation limit equals the customer-selected insured sum.

Пътнотранспортно произшествие при сблъскване или удар на ППС помежду им или с други подвижни или неподвижни предмети, животни или хора /включително в паркирано състояние /; отваряне на капак или врата на ППС по време на движение.

[42] Total loss: Covered ↩

The insurer compensates total loss of the insured vehicle caused by covered perils under the applicable clause. The compensation limit equals the agreed insured sum. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.

ЗД БУЛ ИНС АД обезщетява пълна загуба или частична щета на застрахования автомобил, причинени от рискове, групирани в следните клаузи: „Каско Селект“, „Пълно каско“, „Хит каско“, „Кражба и грабеж на цялото ППС“.

[43] Partial loss: Covered ↩

The insurer compensates partial damage to the insured vehicle caused by covered perils. For damage to main external body panels (bumper, fender, door, front or rear bonnet, panel, side, roof, glass, mirrors and standard lighting fixtures) occurring at a parking event or minor accident without a bilateral protocol or police document, the insurer pays up to 3 claims per policy term, not exceeding 8 external main body parts and panels in total across both claims. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.

При щети по основните външни корпусни детайли (броня, калник, врата, преден/заден капак, панел, страница, таван, стъкла, огледала и стандартно монтирани осветителни тела), настъпили при ПТП или в паркирано състояние на МПС, без двустранен протокол или документ от компетентните органи, застрахователят изплаща до три щети през срока на действие на застраховката, но не повече от осем външни основни корпусни детайли и тела сумарно по двете претенции.

[44] Theft & robbery: Optional ↩

Covers loss of the entire insured vehicle due to theft or robbery. Available as a standalone clause or included within the Palno Kasko clause. Not covered if the vehicle was left unlocked, with the key in the ignition, with a disabled or removed alarm system, or if the vehicle registration document or keys were left inside. For policies with clauses P and K on vehicles with insured sum above 20,000 BGN, the insurer installs a free additional protective security device.

Кражба или грабеж на цялото ППС;

[45] Glass damage: Covered ↩

Glass breakage is covered as part of the main external body panels under the partial loss provision within clauses Kasko Select, Palno Kasko, and Hit Kasko. The IPID lists glass among the main external body panels subject to the up-to-3-claims-without-protocol limitation. No separate glass-only monetary sublimit is stated; the insured sum applies.

При щети по основните външни корпусни детайли (броня, калник, врата, преден/заден капак, панел, страница, таван, стъкла, огледала и стандартно монтирани осветителни тела)...

[46] Natural perils: Covered ↩

Covers damage caused by storm, hurricane, lightning strike, hail, heavy rain, sea waves, falling snow mass or ice blocks onto the vehicle, falling hard objects onto the vehicle, flooding, falling trees and branches due to natural disasters, and failure of industrial or residential water supply, sewage, gas, steam or electrical installations. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.

Природни бедствия- буря, ураган, удар от мълния, градушка, проливен дъжд, морски вълни, падане върху ППС на снежна маса или ледени късове, падане върху ППС на твърди тела и предмети, наводнение, падащи дървета и клони вследствие на природни бедствия;

[47] Vandalism: Covered ↩

Covers damage caused by malicious acts of third parties including breaking, piercing, prying, scratching, and spraying with paints or other chemicals. Intentional arson or explosion is included within the Palno Kasko clause. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.

Злоумишлени действия на трети лица – счупване, пробиване, изкъртване, надраскване, заливане с бои или други химикали;

[48] Roadside assistance: 250 km ↩

Free roadside assistance is included as a standard benefit when a covered insured event occurs and the vehicle cannot move under its own power. The vehicle is towed from the scene of the event to the nearest repair facility or domicile, up to a maximum of 250 km, within the territory of Bulgaria. An additional paid Assistans coverage is available as an optional add-on for broader roadside services, valid 24 hours a day seven days a week, evidenced by a special Series S card.

Безплатна пътна помощ при ПТП , в случаите на покрит риск по застраховка „Автокаско” , от мястото на застрахователното събитие до най-близкото място за ремонт или местодомуване, но не повече от 250 км;

[49] Replacement vehicle: Not established from the reviewed documents ↩

The IPID does not mention a replacement vehicle benefit either way. It separately excludes loss of use, lost profits, and other indirect losses, which is a different matter from a rental or replacement car benefit. Whether this benefit is offered is not stated in the available documents.

Престой или загуба на доход или печалба, пропуснати ползи, денгуби, неустойки, лишаване от ползване и други косвени щети;

[50] Driver accident: Excluded ↩

Accident cover for the driver and passengers is not included in the Kasko Izbor product. The IPID and product page make no mention of such cover within the casco clauses. It may be purchased as a separate standalone accident product from Bul Ins.

[51] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle from a road traffic accident (an event during vehicle movement causing injury, death, or damage to the vehicle, road, road installations, cargo or other property), and damage to the parked vehicle caused by another vehicle, falling objects from buildings/aircraft, or animals. Cover is up to the insured sum, determined on an actual-value basis. Available under clauses that include road traffic accident risk.

„ПТП“ е събитие, възникнало в процеса на движението на пътно превозно средство и предизвикало нараняване или смърт на хора, повреда на пътно превозно средство, път, пътно съоръжение, товар или други материални щети.

[52] Total loss: 100% of insured sum ↩

The insurer declares total loss when the cost of repair exceeds 70% of the vehicle's actual value. Compensation is paid up to the insured sum (not exceeding actual value at the date of the event), reduced by the value of salvaged parts (up to 20% of actual value for non-fire/theft losses, up to 10% for fire losses) unless the insured surrenders the wreck. Available under clauses including the relevant peril (fire, road traffic accident, theft, or natural perils).

ЗАСТРАХОВАТЕЛЯТ обявява пълна загуба, когато сумата за ремонт и възстановяване на повредите по МПС надвишава 70% (седемдесет процента) от действителната му стойност.

[53] Partial loss: 100% of insured sum ↩

Covers partial damage to the insured vehicle from covered perils (fire, explosion, lightning, storm, hail, falling objects, road traffic accident, malicious acts), up to the insured sum. The insured is entitled to receive compensation within 15 working days of submitting all documents requested by the insurer. Available under clauses that include the relevant peril.

ЗАСТРАХОВАНИЯТ има право да получи обезщетението в срок от 15 работни дни след представянето на всички изискани от ЗАСТРАХОВАТЕЛЯ документи за доказване на настъпването на събитието и размера на щетата.

[54] Theft & robbery: 100% of insured sum ↩

Covers theft or robbery of the insured vehicle up to the insured sum. Available only under Full Casco and Bonus Casco clauses. Theft is not covered if the vehicle was left unlocked, with open windows, with an open hood/convertible roof, or with a faulty, non-engaged, inactive or removed alarm, immobiliser or active-tracking (GPS) system, or left with the ignition key. The insurer must be notified within 24 hours of discovery. If a consumer fails to present registration certificate Part II, compensation is reduced by 30%; for a legal entity/merchant, by 50%.

Не се покриват щети по МПС, настъпили вследствие на осъществено събитие по риска „кражба“, в случай че: 1. автомобилът не е бил заключен... 2. автомобилът е оставен с ключ на запалването; 3. автомобилът е бил с неизправна, невключена и/или демонтирана алармена система или имобилайзер.

[55] Glass damage: Conditional ↩

Breaking of glass is a covered act under the malicious-acts-of-third-parties clause and under Bonus Casco. For claims (from a traffic accident or parked-vehicle damage) where current regulation does not require police attendance, or where a report exists based only on the driver's declaration, the insurer compensates an unlimited NUMBER of claims for glass, mirrors and standard-fitted light fixtures (this is a cap on the method of settlement without documentation, not an unlimited sum). Standalone theft of glass components is excluded from all clauses.

неограничен брой щети за стъкла, огледала и стандартно монтирани осветителни тела;

[56] Natural perils: 100% of insured sum ↩

Covers fire, explosion, lightning strike, storm (wind over 15 m/s), hurricane (wind over 30 m/s), hail, flood, landslide/land subsidence, falling objects/trees, the weight of naturally-accumulated snow, and falling ice or snow masses. Included in all Casco Standard clauses as base coverage. Engine damage from water/mud ingestion (hydraulic shock) or coolant freezing is excluded.

Буря, ураган, удар от мълния, градушка, наводнение, свличане или срутване на земни пластове, падащи предмети, дървета и клони вследствие на природни бедствия.

[57] Vandalism: 100% of insured sum ↩

Covers malicious acts of third parties: scratching, puncturing, pouring paint/chemicals on the vehicle; breaking of locking devices, antenna, windows, interior fixed equipment, rear-view mirrors, original manufacturer badges/trims; and slashing or puncturing tyres. Damage from intentional acts or gross negligence of the insured, family members or an authorised driver is excluded.

1.1.надраскване, пробиване, поливане на МПС с бои или други химикали; 1.2.счупване на заключващи устройства, антена, стъкла..., огледала за обратно виждане, оригинално монтирани от завода-производител емблеми и лайсни; 1.3.срязване или пробиване на гуми.

[58] Roadside assistance: Covered ↩

Free Series E card (cars/N1 vehicles up to 3.5t, Bulgaria): towing to the nearest service/secure parking/home base at no extra premium, triggered only by an insured event. Optional paid upgrades: Series A 'Asist 24/7' (15.34 EUR premium, 2026 tariff) also covers technical failure/normal-exploitation immobilisation, towing up to 100 km from the event; Series H 'Asist 24/7+' (30.68 EUR premium) covers the same triggers with unlimited mileage within Bulgaria, plus extras such as one hotel night up to BGN 150, medical check-up up to BGN 150/person (BGN 600 for all occupants), and parking for up to 48h up to BGN 50. Heavy vehicles/buses/trailers over 3.5t get a free Series T card for immobilisation abroad. For light vehicles (≤3.5t) under eligible clauses, assistance abroad is included under a separate chapter with an aggregate liability of up to EUR 60,000 per insured/vehicle per policy period, covering on-the-spot repair or towing up to EUR 250, repatriation, medical transport and legal assistance.

при допълнително платена премия и настъпило обездвижване на МПС, вследствие на застрахователно събитие, техническа повреда или събитие, свързано с нормалната експлоатация на МПС, транспортира обездвиженото МПС до най-близкото място... но не повече от 100 км. от мястото на събитието.

[59] Replacement vehicle: 48 hours ↩

Available only for traffic-accident events occurring ABROAD, under the Assistance Abroad chapter: if the insured vehicle is immobilised for at least 8 hours and repair cannot be completed within the next 48 hours, the Assistance company covers a rental car (category A or B) for up to 48 hours; fuel and toll costs are excluded. This benefit cannot be combined with the repatriation/accommodation benefits for the same event. Not offered as a standard domestic benefit.

Ако вследствие на ПТП застрахованото МПС е обездвижено в продължение на поне 8 часа и ремонтът не може да бъде завършен в следващите 48 часа, Асистанс компанията покрива разходите за автомобил под наем, категория А или Б в рамките на не повече от 48 часа.

[60] Driver accident: Optional ↩

Voluntary accident cover for occupants of the insured vehicle, available as a separately priced add-on (priced under tariff Section IX). Covers a sudden, unexpected event during travel in the vehicle (excluding motorcycles/mopeds) resulting from a traffic accident that directly causes death or permanent disability. The insured sum is agreed by the policyholder and is paid out within 15 working days after all documents are presented.

ЗЛОПОЛУКА е внезапно, неочаквано събитие, настъпило по време на пътуване със застрахованото МПС (с изключение на мотоциклети и мотопеди)... в резултат на пътнотранспортно произшествие, което пряко е причинило смърт или трайна загуба на работоспособност на лицата, пътуващи в застрахованото МПС.

[61] Own damage: 100% of insured sum ↩

Covers partial damages and total loss of the insured vehicle up to the insured sum, which equals the vehicle's actual value at contract inception. Available under the Full Casco and Super clauses. The Total Loss clause covers only total-loss events. The insured sum is denominated in BGN or EUR per the policyholder's choice.

По тези Общи условия ЗАСТРАХОВАТЕЛЯТ покрива пълна загуба или частична щета на застрахованото МПС, причинени от рискове групирани в следните клаузи:

[62] Total loss: 100% of insured sum ↩

Total loss is defined as damage where repair costs exceed 70% of the vehicle's actual value at the date of the insured event. The insurer pays the insured sum or its remainder, not exceeding actual vehicle value at the event date, less the value of salvageable components. For vehicles up to 3 years old the insurer may offer to pay the full insured sum against transfer of title. Covered under all four clauses.

При пълна загуба, ЗАСТРАХОВАТЕЛЯТ изплаща застрахователната сума или остатъка от нея, но не повече от действителната стойност на застрахованото МПС към датата на настъпване на застрахователното събитие, намалена със стойностите на годните агрегати, възли и детайли.

[63] Partial loss: 100% of insured sum ↩

Covers repair costs for partial damages up to the insured sum. Compensation for damage proven solely by written declaration is capped at 10% of the insured sum per event, with total declaration-based claims not exceeding 20% of the insured sum over the policy term. Theft of individual components without theft of the whole vehicle is not covered. Available under Full Casco and Super clauses only.

Отговорността на ЗАСТРАХОВАТЕЛЯ за застрахователно събитие, доказвано на база писмена декларация по образец от ЗАСТРАХОВАНИЯ е в размер до 10% от застрахователната сума, като за срока на застраховката общия размер на щетите, признати въз основа декларация на ЗАСТРАХОВАНИЯ не може да надхвърли 20% от застрахователната сума;

[64] Theft & robbery: 100% of insured sum ↩

Covers theft (unlawful taking without consent) and robbery (taking by force or threat) of the entire vehicle. The insurer pays the insured sum or its remainder up to actual vehicle value at date of loss. Partial theft of components is not covered under the Theft and Robbery clause. Under Full Casco, burglary theft of stationary multimedia equipment fitted after manufacture is covered for items of single value up to 5% of the insured sum, only where the contract names the equipment, an additional premium is paid and the equipment has been inspected and valued. Theft or robbery is not covered if the vehicle was left unlocked, with engine running, or with security devices disabled or absent.

2.3.2.Кражба чрез взлом на застраховано стационарно монтирано мултимедийно оборудване в МПС на единична стойност до 5% от застрахователната сума.

[65] Glass damage: Conditional ↩

Glass damage is covered as a component of partial damage resulting from covered insured events such as road traffic accidents, vandalism, or natural perils under the Full Casco and Super clauses. No separate glass sub-limit is stated; coverage is within the general insured sum. No standalone glass clause is offered.

2.1.3.Пътно-транспортни произшествия (ПТП): 2.1.3.1.сблъскване с или удар от МПС и/или други физически тела, в това число ПТП, съгласно Закона за движение по пътищата;

[66] Natural perils: 100% of insured sum ↩

Covers damage from storm (wind above 15 m/s), hurricane (wind above 30 m/s), hail, flood, landslide or earth collapse, accidental falling of branches or trees due to natural perils, fire or lightning from natural perils, snow or ice accumulation from heavy snowfall, falling ice or snow masses due to meteorological changes, sea waves, volcanic action, and damage from infrastructure failures outside the vehicle such as water pipes, gas pipes, and electricity lines. Available under Super and Full Casco clauses.

2.1.1.Природни бедствия: 2.1.1.1.буря, ураган, градушка, наводнение, свличане или срутване на земни пластове;

[67] Vandalism: 100% of insured sum ↩

Covers damage caused by malicious acts of third parties through mechanical impact such as striking with a hard object, scratching, or deliberate overturning, and pouring of chemically active substances such as acids or bases. Also covers animal damage to the vehicle while parked including scratching and damage to cables and other components. Under Full Casco, arson and deliberate explosion of the vehicle are additionally covered. Available under Super and Full Casco clauses.

2.1.5.Злоумишлени действия на трети лица - причинени повреди на МПС от трети лица чрез механично въздействие (удар с твърд предмет, надраскване, умишлено преобръщане на МПС), заливане с химически активни вещества (киселини, основи и др); 2.1.6.Щети от животни по застрахованото МПС в паркирано състояние (надраскване, увреждане на кабели и други детайли).

[68] Roadside assistance: 300 km ↩

Included at no extra premium with Full Casco and Super clauses. Bulgaria: free towing up to 300 km total for up to 2 events during the term of the insurance contract for passenger and freight vehicles up to 3.5 tonnes with up to 9 seats and motorcycles. Abroad upon road traffic accident: on-site repair up to EUR 250, towing up to EUR 250, crane extraction up to EUR 500, replacement driver up to EUR 250, replacement vehicle category A up to EUR 250 for 48 hours, vehicle repatriation up to EUR 1,500, spare parts delivery, and advance payment for provisional repair up to EUR 1,000. Abroad assistance is valid for unlimited trips each up to 90 consecutive days.

до 2 пъти през срока на действие на застрахователния договор, като разстоянието за транспортиране е лимитирано до 300 км общ пробег за двете събития:

[69] Replacement vehicle: €250 ↩

If the insured vehicle is immobilised for more than 8 hours due to a road traffic accident abroad and repair cannot be completed within the following 48 hours, the insurer covers rental car costs for category A vehicle for up to 48 hours up to EUR 250. Fuel and motorway tolls are excluded. Available only when the insured event occurs outside Bulgaria under Full Casco and Super clauses.

Ако вследствие на ПТП застрахованото МПС не е в движение повече от 8 часа и ремонтните работи не могат да бъдат приключени през следващите 48 часа, ЗАСТРАХОВАТЕЛЯТ поема разходите, в размер до 250 евро, за автомобил под наем, категория А, за период не надвишаващ 48 часа.

[70] Driver accident: Excluded ↩

Personal accident coverage for the driver is not included within the Casco+ policy. The IPID notes that a separate Accident of Persons in Motor Vehicles insurance may be purchased alongside Casco+.

Към автомобилна застраховка „Каско+“ може да сключите застраховка "Помощ на пътя“ и застраховка „Злополука на лицата в МПС”.

[71] Own damage: Covered ↩

Covers partial damage (repair cost does not exceed 70% of actual vehicle value) and total loss (repair cost exceeds 70% of actual vehicle value) resulting from an insured event under the chosen clause. Compensation equals the full extent of damage up to the insured sum, except in cases of proportional (underinsurance) compensation. The insured sum is the upper limit of the insurer's liability for all events in the insurance period.

Обезщетението е равно на пълния размер на вредите до размера на застрахователната сума, освен в случаите на пропорционално обезщетяване съгласно чл. 17, ал. 2 и чл. 18, ал. 3.

[72] Total loss: Covered ↩

Total loss (тотална щета) is damage where repair cost exceeds 70% of the vehicle's actual value; compensation equals the actual value at date of event minus the value of salvaged parts and scrap. Full loss (пълна загуба) is destruction, perishing or unlawful taking of the entire vehicle; compensation equals the actual value at date of event. The policy terminates automatically upon payment of compensation for total loss or full loss.

„Тотална щета“ е увреждане, при което стойността на разходите за необходимия ремонт надвишава 70 на сто от действителната стойност на застрахованото превозно средство.

[73] Partial loss: Covered ↩

Partial loss is damage where repair cost does not exceed 70% of the vehicle's actual value. Compensation equals the cost of necessary repair up to the insured sum. The compensation method (official service, trusted service, or expert valuation) is selected at policy inception and cannot be renegotiated. Additionally covers reasonable costs for preventing/limiting damage, towing up to 150 km from the event site if the vehicle cannot move under its own power, responsible storage for up to 10 days, and interior cleaning if contaminated during the event. Incidental costs are capped at 5% of insured sum per event and 10% per insurance period.

„Частична щета“ е увреждане, при което стойността на разходите за необходимия ремонт не надвишава 70 на сто от действителната стойност на застрахованото превозно средство.

[74] Theft & robbery: Covered ↩

Covers unlawful taking (theft or robbery) of the entire vehicle under Clause A. This is treated as a 'full loss' (Чл. 2, т. 24) and compensated at the vehicle's actual value at the date of the event, up to the insured sum (Чл. 28, ал. 1, т. 1) - there is no separate numeric cap on the theft/robbery payout itself. A distinct sub-limit applies only if the stolen vehicle is subsequently recovered: in that case the insurer compensates only the visible material damage found on recovery (excluding missing/stolen parts and arson/explosion damage), capped at 10% of the insured sum but not more than BGN 5,000 (Чл. 9, ал. 1, т. 1). Coverage does not apply if the vehicle was left unlocked, if any part of the registration certificate or any key, card or other device for starting the engine or disabling security systems was left in or near the vehicle and taken with it, or if the required additional security device was absent, disabled or non-functional.

Размерът на вредите не може да надвишава: 1. действителната стойност на застрахованото превозно средство към датата на настъпване на събитието – в случай на пълна загуба;

[75] Glass damage: Covered ↩

Covers accidental breakage of the windscreen caused by a random impact from a stone or other object not forming part of the vehicle's structure. Available under Clause A only. Limited to one event per insurance period. Tyre and rim damage (functional impairment of a tyre or rim when driving over a road obstacle or unevenness, where no other structural elements are damaged) is also covered under Clause A, limited to two tyres or one tyre-and-rim set per event and one event per period.

случайно счупване на челно стъкло – покрива се счупване на челното стъкло на застрахованото превозно средство от случаен удар от камък или друг предмет, който не е част от конструкцията на превозното средство;

[76] Natural perils: Covered ↩

Clause C (included in B and A) covers: fire (including wetting or contamination from firefighting agents), explosion, lightning (direct strike only), storm or hurricane (including damage from trees, branches or objects broken and blown by the storm), torrential rain or flooding (mechanical damage, wetting, carrying away or filling with water), geological landslide or subsidence, tsunami caused by underwater explosion or earthquake (tidal waves only), snow or ice load (deformation or destruction caused by weight of naturally accumulated snow or ice fallen from a building or structure), and water leakage from building installation while the vehicle is parked in a garage. Hail is additionally covered under Clause A only (not in B or C).

Клауза „С – Пожар и природни бедствия“ включва следните рискове: 1. пожар – покриват се и вреди, причинени от измокряне или замърсяване вследствие на употребата на вода, пяна или друг пожарогасителен агент;

[77] Vandalism: BGN 4,000 ↩

Covers damage intentionally caused by third parties through breaking, smashing, scratching, pouring chemicals, arson, explosion or similar acts. Available under Clause A only. Combined with RTA-without-protocol and animal damage events, the total is limited to 2 events per insurance period; the insurer's liability per individual event is capped at 10% of the insured sum but not more than BGN 4,000 (General Terms and Conditions, Art. 9(1)(2)).

щети от ПТП без протокол, животни или злоумишлени действия – покриват се до 2 (две) събития общо в един застрахователен период, като отговорността на Застрахователя за всяко едно от тях е ограничено до 10 % от застрахователната сума, но не повече от 4 000 (четири хиляди) лева;

[78] Roadside assistance: 5% of insured sum ↩

Within the base CASCO coverage, the insurer covers reasonable costs for towing or repatriation of the insured vehicle up to 150 km from the event location if the vehicle cannot move under its own power, responsible storage for up to 10 days from the event date or until the insurer's inspection (whichever is first), and interior cleaning if contaminated during the event. These incidental costs are capped at 5% of the insured sum per single event and 10% of the insured sum for all events combined in one insurance period. A separate standalone Roadside Assistance product, and an optional roadside-assistance partner line (Union of Bulgarian Motorists), are also available from Euroins.

Покритието за целесъобразни разходи по смисъла на чл. 7, ал. 2 е ограничено, както следва: 1. за едно застрахователно събитие – до 5 % от застрахователната сума; 2. за всички застрахователни събития в един застрахователен период – до 10 % от застрахователната сума.

[79] Replacement vehicle: Optional ↩

An optional benefit to provide a replacement vehicle during the repair period. Rent for the replacement car is covered for the duration of the damage repairs, and the replacement vehicle can be used only once for the entire duration of the insurance policy. The service is only available if, when taking out the CASCO policy, the policyholder selected the 'Authorized Service' (official dealer repair) compensation option.

You can use the "Replacement Car" service if, when taking out motor CASCO insurance, you selected the "Authorized Service" option for repairing damages.

[80] Driver accident: Excluded ↩

Accident coverage for the driver and passengers is not a clause or add-on within the Motor CASCO policy. It is available as a separate standalone product called Driver and Passenger Accident Insurance, which Euroins states is issued only in combination with the Motor Third Party Liability / Combined Car Policy (not with CASCO). The insured amount is the same for all seats (including the driver's), with a minimum of BGN 1,000 (EUR 511.29) per seat.

The insurance amount is the same for all seats in the vehicle, with the minimum amount for one seat being BGN 1,000 (511.29 EUR).

[81] Own damage: 100% of insured sum ↩

Coverage for damage to the insured vehicle resulting from a road traffic accident (RTA), events during standstill or parking, or sudden opening of a bonnet or door. Available from clause Частично Каско upward. The insured sum is the upper limit of indemnity; actual vehicle value at the date of the event applies. Compensation paid in BGN.

Пътно-транспортно произшествие (ПТП); Събития по време на престой на превозното средство; Събития в паркирано състояние на превозното средство; Внезапно отваряне на капак или врата на МПС, както и изброените по-долу покрити рискове:

[82] Total loss: 100% of insured sum ↩

A loss is declared total when the cost of necessary repair exceeds 70% of the actual value of the vehicle at the date of the event. Compensation is paid up to the actual value at the date of the event, minus previously paid unrestored indemnities and the salvage value of remaining parts determined by online tender. Insured must present a deregistration certificate before payment; if not presented, indemnity is capped at 70% of actual value. Available from clause Частично Каско upward.

Щетата е тотална, когато стойността на разходите за необходимия ремонт надвишават 70% от действителната стойност на МПС към датата на събитието.

[83] Partial loss: 100% of insured sum ↩

Coverage for partial damage caused by covered risks. Repair method depends on vehicle age: up to 3 years in official or trusted service or by expert assessment; 3-5 years in official service (minimum premium required), trusted service or expert assessment; 5-10 years in chosen or trusted service or expert assessment; over 10 years in chosen or trusted service or expert assessment. Alternative or second-hand parts used in trusted services for vehicles over 3 years. Self-declaration events capped at 15% of insured sum per policy year. Road-defect damage capped at BGN 2,000 per event without official document.

Обезщетяванието при частична щета може да е по един от следните начини, избран от Вас и в зависимост от възрастта на застрахованото МПС

[84] Theft & robbery: 100% of insured sum ↩

Coverage for theft or robbery of the entire insured vehicle, damage found on the vehicle after recovery, and burglary theft of permanently installed audio/navigation equipment. Available only under clause Пълно Каско. Not covered in Russia, Ukraine, Belarus, Moldova, Georgia, Azerbaijan, Albania, Kosovo, or Bosnia and Herzegovina. For insured sum up to BGN 30,000 payment is within 3 months of claim; above BGN 30,000 within 6 months. Insured must surrender all keys, registration documents and sign a notarially certified power of attorney before payment.

Кражба на цялото превозно средство; Грабеж на цялото превозно средство; Щети на превозното средство, открито след кражба или грабеж; Кражба чрез взлом на трайно монтирана аудио и навигационна техника

[85] Glass damage: Conditional ↩

Broken glass and damage to window lifters and door handle locks on stationary vehicles are referenced in the IPID as a separate item covered from Минимално Каско. Hail damage includes indirect wetting damage after glass breakage. Glass damage caused by collision is covered from Частично Каско upward. Damage from a burst or torn tyre on the insured vehicle is explicitly excluded.

[86] Natural perils: 100% of insured sum ↩

Covered from Минимално Каско (base clause) upward. Covered perils: earthquake, flood, storm (wind above 15 m/s) or hurricane (wind above 30 m/s), lightning, hail, torrential rain, accumulation and sliding of snow and ice, geological landslide and earth subsidence, action of sea waves, and impact by objects propelled by natural disasters. Landslide or subsidence caused by construction works is explicitly excluded.

Природни бедствия, като земетресение, наводнение, буря или ураган, гръм, мълния, градушка, пороен дъжд, натрупване и свличане на сняг и лед, свличане и срутване на земни пластове, действие на морски вълни и други, както и удар на МПС от предмети, вследствие на природни бедствия

[87] Vandalism: 100% of insured sum ↩

Covered under clause Разширено Каско and Пълно Каско. Includes damage caused by third parties through mechanical impact (hitting with object, scratching, deliberate overturning), pouring of chemically active substances (acids, bases, etc.), arson and deliberate explosion. A mandatory 50% deductible applies for vehicles over 10 years old when third-party mechanical damage requires repainting more than three main body panels.

Злоумишлени действия на трети лица, включително вандализъм - щети, причинени от трети лица чрез механично въздействие (удар с предмет, надраскване, умишлено преобръщане на МПС и други), заливане с химически активни вещества (киселини, основи и други), палеж и умишлена експлозия

[88] Roadside assistance: 10% of insured sum ↩

Included when selecting clause Частично Каско, Разширено Каско or Пълно Каско. For RTAs in Bulgaria: specialised assistance company transports the vehicle to a location specified by the insured up to 300 km (full and empty mileage), at a cost not exceeding 10% of the vehicle insured sum. For RTAs abroad: costs of transporting the vehicle to the nearest workshop and parking on a paid car park for up to 7 days (where necessary and pre-agreed) are reimbursed up to a combined total of 10% of the insured sum at prices not exceeding average market rates in the country of occurrence.

Ние Ви осигуряваме пътна помощ чрез специализирана асистанс компания за транспортиране на МПС до посочено от Вас място, на разстояние до 300 км, пълен и празен пробег, но на стойност не повече от 10% от застрахователната сума на МПС

[89] Replacement vehicle: See details ↩

A replacement vehicle is not mentioned as a covered benefit in the Generali Каско на МПС general conditions or IPID. Not covered under the standard product.

Ние предлагаме покритие на рискове, обединени в отделни клаузи, както следва:

[90] Driver accident: See details ↩

Driver accident coverage is not included in or mentioned as an add-on to the Generali Каско на МПС general conditions or IPID. It is offered as a separate standalone product.

Ние предлагаме покритие на рискове, обединени в отделни клаузи, както следва:

[91] Own damage: 100% of insured sum ↩

Covers full loss or partial damage to the insured vehicle caused by covered risks under Clause A (road accident, fire, natural perils, vandalism, parking impact, theft, robbery, glass damage, key loss). Compensation is limited to the insured sum which may not exceed the actual value of the vehicle at the date of contract. Total loss is declared when repair costs exceed 70% of the insured sum.

6.1 КЛАУЗА “А” - пълно покритие. По тази клауза ЗАСТРАХОВАТЕЛЯТ покрива ПЪЛНА ЗАГУБА или ЧАСТИЧНА ЩЕТА на застрахованото МПС, причинени от следните рискове:

[92] Total loss: 100% of insured sum ↩

Total loss is declared when repair costs exceed 70% of the insured sum of the vehicle. Compensation is paid up to the insured sum but not more than the actual value of the vehicle at the date of the insured event. Upon total loss due to theft or robbery the insured vehicle becomes property of the insurer. Before payment the insured must present proof of deregistration of the vehicle on grounds of total loss.

54.При обявяване на пълна загуба се изплаща обезщетение в размер на застрахователната сума, но не повече от действителната стойност на МПС към датата на настъпване на застрахователното събитие. ЗАСТРАХОВАТЕЛЯТ обявява пълна загуба на МПС в следните случаи: 54.1.Когато разходите за възстановяване на МПС надхвърлят 70% от застрахователната сума на застрахованото МПС;

[93] Partial loss: 100% of insured sum ↩

Compensation for partial damage caused by a covered risk under Clause A. Settlement method depends on vehicle age at policy inception: up to 4 years – authorised dealer, trusted contracted service or expert assessment; 5 to 10 years – trusted service or expert assessment (official dealer service available with additional premium); over 10 years – expert assessment only (trusted service with additional premium). Declaration-only claims (no police document) capped at 15% of insured sum per policy term; cap does not apply to glass claims arising independently.

47.Размерът на застрахователното обезщетение при частични щети се определя от ЗАСТРАХОВАТЕЛЯ на база опис на уврежданията, изготвен при огледа на МПС.

[94] Theft & robbery: 100% of insured sum ↩

Covers theft (taking of the vehicle without the insured's consent with intent to appropriate unlawfully) and robbery (taking with force or threat) of the whole vehicle. If vehicle registration certificate part I and/or II is not presented, compensation is limited to 50% of actual vehicle value. No deductible applies for these risks. Excluded when event occurs in specified countries (Albania, Bosnia and Herzegovina, Belarus, North Macedonia, Israel, Iran, Montenegro, Morocco, Russia, Moldova, Tunisia, Ukraine). Notification deadline: within 24 hours of the event.

ж) Кражба на цяло МПС - отнемане на МПС от владението на ЗАСТРАХОВАНИЯ без негово съгласие, с намерение противозаконно присвояване, по смисъла на Наказателния кодекс. При настъпило събитие Кражба на цяло МПС и непредставено свидетелство за регистрация на МПС част I и/или част II, ЗАСТРАХОВАТЕЛЯТ изплаща застрахователното обезщетение в размер до 50% (петдесет процента) от действителната стойност на МПС;

[95] Glass damage: Covered ↩

Covers damage and/or breakage of the front, rear or side windows of the insured vehicle caused by vandalism, falling objects, aircraft, trees or branches, or by impact with a moving or stationary object during vehicle movement. No deductible applies for this risk. The 15% declaration cap does not apply to glass claims arising independently.

г) Стъкла на МПС - увреждане и/или счупване на стъкла /предно, задно или странични/ на МПС причинено от злоумишлени действия на трети лица, в следствие падащи предмети, летателни апарати, дървета или клони или причинено от удар в подвижен или неподвижен предмет по време на движение на МПС;

[96] Natural perils: 100% of insured sum ↩

Covers storm (wind above 15 m/s), hurricane (wind above 30 m/s), lightning strike, hail, heavy rain, sea waves, falling snow mass or ice pieces, landslide, earth collapse, falling hard objects, flooding, and falling trees or branches caused by natural disasters. Earthquake and its consequences are explicitly excluded.

7.19. Земетресение и/или последиците от него.

[97] Vandalism: 100% of insured sum ↩

Covers damage caused by malicious acts of third parties including scratching, piercing, pouring paint or chemicals on the vehicle; breaking locks, antenna, interior fittings, rear-view mirrors, factory-fitted emblems and trims; slashing or puncturing tyres. The insured and their household members, employees and persons with access to the vehicle with consent are not considered third parties. Cover excluded if the vehicle was left unlocked or with keys inside.

в)Злоумишлени действия на трети лица - надраскване, пробиване, поливане на застрахованото МПС с бои или други химикали; счупване на заключващи устройства, антена, вътрешно оборудване (включително и на застраховано допълнително монтирано стационарно оборудване), огледала за обратно виждане, оригинално монтирани от завода производител емблеми и лайсни; срязване или пробиване на гуми.

[98] Roadside assistance: €358 ↩

Reasonable costs of rescue and transport of an immobile vehicle from the loss scene to the nearest repair point or its domicile are included within claim settlement. Costs must be pre-agreed with the Groupama call centre; if not pre-agreed, reimbursed up to 357.90 EUR domestically. Abroad: provisional repair or transport up to 10% of insured sum, capped at 766.94 EUR for vehicles up to 3.5 t and buses up to 9 seats, or 1,533.88 EUR for heavy vehicles and buses over 9 seats; responsible storage up to 5 days up to 255.65 EUR. Full roadside assistance (breakdown towing, on-road repair, fuel delivery) is available only under the separate Auto Asistans product.

В застрахователното обезщетение се включват и разумно направени разноски за спасяване, ограничаване и/или намаляване размера на щетите по застрахованото МПС, както и разноски за транспортиране на МПС, когато то не е в движение... Ако разноските не са съгласувани, ЗАСТРАХОВАТЕЛЯТ заплаща направени разноски до 700 лева,

[99] Replacement vehicle: See details ↩

A replacement vehicle is not provided under Casco Prestige. A substitute driver service when abroad is available only under the separate Auto Asistans product.

[100] Driver accident: See details ↩

Personal accident coverage for vehicle occupants is not included in Casco Prestige. It is available as an included component of the separate Comfort package.

Застраховка „Злополука на лицата в превозните средства“ O ✓

[101] Own damage: 100% of insured sum ↩

Covers partial and total damage to the insured vehicle resulting from covered risks. Compensation is determined per the vehicle class (A–E) and repair methodology; capped at the insured sum (actual value). Total loss is declared when repair costs exceed 70% of the insured sum or the vehicle is irreparably damaged. Compensation is paid in BGN within 15 working days of submission of all required documents.

При тотална щета (пълна загуба), Застрахователят възстановява действителния размер на щетата, но не повече от застрахователната сума.

[102] Total loss: 100% of insured sum ↩

Total loss is declared when: (1) the vehicle is stolen or robbed; (2) repair costs exceed 70% of the insured sum/actual value; (3) the vehicle is economically unviable to repair; or (4) the vehicle is damaged beyond recovery. The insurer pays up to the actual value at the date of the event (not exceeding the insured sum). For vehicles with non-authentic chassis numbers, liability is capped at 80% of the insured sum. The insured sum reduces with each paid claim; the policy terminates if 80% of the sum is exhausted.

Тотална щета (пълна загуба) на МПС е налице: 38.1. при кражба или грабеж на цялото МПС; 38.2. когато стойността на обезщетението надвишава 70% от застрахователната сума/действителната стойност;

[103] Partial loss: 100% of insured sum ↩

Covers partial damage to the insured vehicle. Compensation is calculated based on the vehicle class (A through E) determined by the insured sum and age of the vehicle, and may be settled via expert assessment, invoices from authorized service centers, or cashless repair. A deductible (self-participation) agreed at policy inception is deducted. Aggregate claims events in parked conditions without a police report cannot exceed 75% of the paid premium.

Дължимото обезщетение за частични щети се изчислява в зависимост от класа в, който попада МПС:

[104] Theft & robbery: 100% of insured sum ↩

Covers theft (Art. 194 Penal Code) and robbery (Art. 198 Penal Code) of the entire motor vehicle, including damages from malicious acts on a vehicle found after theft. For vehicles with non-authentic chassis numbers, liability is capped at 80% of the insured sum. The risk 'theft/robbery' is not covered abroad except for EU member states against an additional premium (or free if the insured also holds a Lev Ins MTPL/Green Card for the same vehicle). All documents including full set of keys must be submitted. Not covered: theft of individual parts outside the vehicle cabin, theft while the vehicle was in third-party possession for repair/diagnostics.

Кражба на МПС – кражба на цялото МПС по смисъла на чл. 194 от НК. Грабеж на МПС – грабеж на цялото МПС по смисъла на чл. 198 от НК.

[105] Glass damage: Covered ↩

Covered under road traffic accident risks (Clause 1, 2, 4, 5) and vandalism (Clause 1, 2, 4). Damage to glass, headlights and turn signals caused by a flying stone during vehicle movement does not require an official police report to claim. No separate sublimit stated; covered within the overall insured sum. Note: the insured has no right to a replacement vehicle for damage limited to lighting elements, body decorations, or glass only.

официален документ, удостоверяващ настъпването на застрахователното събитие, издаден от съответните компетентни органи (не се отнася за щети на стъкла, фарове и мигачи, настъпили по време на движение на МПС, вследствие изхвръкнал камък);

[106] Natural perils: 100% of insured sum ↩

Covers lightning strike, storm, hurricane, whirlwinds/tornadoes, hail, heavy rain, flooding, weight from natural accumulation of snow/ice, falling trees, branches, roofs and other objects resulting from the above natural events. Also includes fire, short circuit in electrical installation, explosion in the fuel tank, falling or collision from aircraft/objects falling from aircraft. Covered in Clauses 1, 2, and 3.

Буря – силен вятър със скорост над 15 м/сек.,; Ураган – вятър със скорост над 30 м/сек.

[107] Vandalism: 100% of insured sum ↩

Covers malicious acts of third parties including pouring chemicals, acids, or bases on the vehicle; acts violating its integrity or appearance; arson; detonation; and vandalism per the Penal Code. In Clause 1 and 4 also includes total theft and robbery. In cases of intentional arson by third parties, the insured bears a 50% self-participation in the determined compensation. Covered in Clauses 1, 2, and 4.

В случаите на умишлен палеж от трети лица се прилага самоучастие на Застрахованото лице в размер на 50% от определеното застрахователно обезщетение

[108] Roadside assistance: €307 ↩

Covers reasonable and appropriate transportation/repatriation costs when the vehicle is damaged to the extent it cannot be driven under its own power. Per the Annex (Oct 2025): limit of 300 km (full and empty run), maximum BGN 600 (EUR 306.78), upon presentation of original payment document from the carrier. Free 24-hour CASCO assistance (tire change, fuel delivery, power supply) is also available via toll-free hotlines 0800 15 333 (Bulgaria) and +359 800 10 200 (abroad) for events arising from covered risks (up to 200 km free roadside assistance). Optional 'CASCO Assistance Abroad' clause extends to Europe, Russia (European part) and Turkey, excluding Iceland, Greenland, Spitsbergen, Canary Islands, Madeira and the Azores.

Разходи за репатриране, когато МПС е повредено от застрахователно събитие до такава степен, че е невъзможно да се придвижи на собствен ход, с лимит до 300 км, пълен и празен пробег, но не повече от 600 лв. / 306,78 евро и след представяне на оригинален платежен документ на превозвача;

[109] Replacement vehicle: €256 ↩

Per the Annex (Oct 2025): applies to passenger cars with insured sum over BGN 70,000, when the repair at an official brand service center or Lev Ins trusted service takes more than 5 working days from the date of vehicle acceptance. Provided for up to 15 calendar days but not exceeding the duration of repairs, with a total limit of BGN 500 (EUR 255.65) (whichever condition occurs first). The insurer covers expenses after the insured presents an original invoice from a car rental company. The insured has no entitlement to a replacement vehicle for damage limited solely to lighting elements, body decorations, or glass.

Разходите за заместващ автомобил се предоставят за период не повече от 15 (петнадесет) календарни дни, но не повече от времето за извършване на ремонта и/или лимит до 500 лв. / 255,65 евро, което условие настъпи първо.

[110] Driver accident: See details ↩

Driver/occupant accident cover is not part of the CASCO product described in these sources. Lev Ins offers a separate 'Accident Insurance for Occupants of Motor Vehicles' product. Not covered under this policy.

[111] Own damage: 100% of insured sum ↩

Covers partial and total damage to the insured vehicle caused by road traffic accidents (including while parked), fire, natural perils, malicious acts by third parties, and other covered risks. Compensation does not exceed the insured sum. Available under both Partial Casco and Full Casco clauses.

Пълна загуба или частична щета на застрахованото СПС причинени от: пожар и природни бедствия: щети от застрахователни събития,случайно падане на предмети, падащи дървета, клони; пътнотранспортно произшествие: щети от застрахователни събития, вследствие пътно-транспортно произшествие, включително и увреждане на застрахованото СПС в паркирано състояние от друго превозно средство; злоумишлени действия на трети лица: причинени повреди на СПС от трети лица чрез механично въздействие или заливане с химически активни вещества (киселини, основи и др.

[112] Total loss: 100% of insured sum ↩

Covers total destruction or loss of the insured vehicle where repair is economically unviable. Compensation is paid up to the insured sum less salvageable parts and secondary raw materials. The insurer may replace the destroyed vehicle with another equivalent vehicle. Available under both Partial Casco and Full Casco clauses.

[113] Partial loss: 100% of insured sum ↩

Covers partial damage to the insured vehicle from all covered perils. Repair costs are compensated up to the insured sum. The insured may choose repair at an official or trusted service centre, compensation by insurer pricing methodology, or expert assessment. Available under both Partial Casco and Full Casco clauses.

[114] Theft & robbery: 100% of insured sum ↩

Covers theft or robbery of the entire insured vehicle. Territorial scope for this risk is limited to EU and EEA member states plus Norway, Iceland, Liechtenstein, Switzerland, Andorra, and Turkey. Available under Full Casco; may also be included under Partial Casco depending on selected sub-clause.

Рисковете Кражба или Грабеж на цялото СПС; Пожар и/или Експлозия, Умишлен палеж и взрив се покриват на територията на страните членки на Европейския съюз, както и на Норвегия, Исландия, Лихтенщайн, Конфедерация Швейцария, Република Андора и Република Турция; всички други покрити рискове: освен в гореизброените и на територията на всички други държави членки на Международното споразумение "Зелена карта".

[115] Glass damage: Conditional ↩

Glass damage is covered under the malicious acts by third parties risk, which explicitly includes breaking of windows, locking devices, antennae, and rear-view mirrors. Standalone glass-only damage is covered when caused by a covered peril such as natural perils or malicious acts. Available under Full Casco.

[116] Natural perils: 100% of insured sum ↩

Covers damage caused by natural perils including storm, hurricane, lightning strike, hail, torrential rain, flooding, weight of naturally accumulated snow or ice, falling trees and branches, and objects falling as a result of natural perils. Available under both Partial Casco and Full Casco clauses. Territorial scope for this risk extends to Bulgaria and all Green Card Agreement member states.

[117] Vandalism: 100% of insured sum ↩

Covers damage caused by malicious acts of third parties including mechanical impact such as scratching and breaking, pouring of chemically active substances such as acids and bases, deliberate arson, and explosion. Includes damage to windows, locking devices, antennae, and mirrors. Available under Full Casco; may be limited or absent under Partial Casco depending on selected sub-clause.

[118] Roadside assistance: Conditional ↩

Vehicle towing and transport costs for recovery from the accident site are included as a standard benefit under the Full Casco clause, at the insurer's expense.

[119] Replacement vehicle: Excluded ↩

A replacement or hire vehicle is not listed as a standard included benefit in the available OZK Casco sources. The policy provides responsible storage of the vehicle for up to 1 month following an insured event, but a substitute car is not described as a standard coverage.

[120] Driver accident: Optional ↩

Accident insurance for the driver is available as a separate optional add-on product called Zlopoluka na mestata v prevoznite sredstva (Accident insurance for occupants of motor vehicles), which can be concluded alongside the Casco policy. It is not a standard component of the Casco coverage itself.

Злополука на местата в МПС Какво е застраховка „Злополука на местата в превозните средства"“ ? Доброволна застраховка, предназначена за юридически и физически лица.

[121] Own damage: Covered ↩

Covers direct material damages caused by a road accident under Clause A (Full CASCO). Damages caused in accidents documented only by a bilateral statement without a police report are excluded. Not covered under Partial CASCO Clause E or Clause K. The insured sum is set at the actual market value of the vehicle at the time of the insured event.

[122] Total loss: 100% of insured sum ↩

In the event of total loss, indemnification is paid at 100% of the actual value of the vehicle at the date of the insured event. Self-participation (deductible) does not apply in the case of total loss. Covered under Clause A (Full CASCO).

[123] Partial loss: Covered ↩

Covers partial damage to the insured vehicle under Clause A (Full CASCO) and Clause K (Partial CASCO). The policy covers both total loss and partial damage according to the policy conditions and applicable risk clauses.

[124] Theft & robbery: Covered ↩

Covers theft and robbery of the entire vehicle under Clause A (Full CASCO) and Clause K (Partial CASCO). Also covers partial damages caused during a break-in theft or attempted theft. Self-participation does not apply in the case of theft. Under special conditions Clause M, theft by break-in of factory-installed or additionally installed audio equipment is covered up to 10% of the insured sum. Not covered under Clause E.

[125] Glass damage: Covered ↩

Covers damages to vehicle glazing under Clause A (Full CASCO). Self-inspection of damage is available for broken glass cases without requiring a full inspection appointment.

[126] Natural perils: Covered ↩

Covers damages from natural disasters including floods, lightning, torrential rain, storms, hurricanes, landslides and collapses, weight of snow or ice, and avalanches. Hail risk is included under Clause A (Full CASCO) but is EXCLUDED under Clause E (Basic Partial CASCO). Damages caused by unknown perpetrators and falling objects are also covered.

[127] Vandalism: Covered ↩

Damages caused by unknown perpetrators including vandalism and malicious acts by third parties are covered under Clause A (Full CASCO). Payment of compensation without documentation is available in the case of damage in parked condition.

[128] Roadside assistance: Covered ↩

Available as an option for car assistance in Bulgaria and abroad, covering: fuel delivery up to 10 litres when the vehicle runs out of fuel on the road (valid in Bulgaria); repatriation of electric vehicles to the nearest charging station in case of battery discharge while on the road; parking/garage and hotel in Bulgaria or abroad if needed; repatriation in case of misfuelling in Bulgaria; repatriation in case of an insured event in Bulgaria or abroad; repatriation in case of an accident in Bulgaria; and on-site repair in Bulgaria or abroad.

[129] Replacement vehicle: Covered ↩

Free replacement vehicle is provided for the period the insured vehicle is being repaired at a UNIQA trusted workshop. The replacement vehicle is of the same class as the insured vehicle at the insurer's expense. The repaired vehicle is returned within 3 days of being handed over to the repair shop. Quality control is performed after completion of the repair.

[130] Driver accident: Optional ↩

Not included in the base CASCO product. Driver and Passenger Accident Insurance is a separate standalone UNIQA product covering loss of life and permanent disability due to an accident on the territory of Bulgaria. It can be contracted alongside the CASCO policy as an optional add-on.