Motor casco — Bulgaria
8 insurers with verified coverage data
Armeec is a motor casco insurance for the Bulgaria market with no online purchase and 24/7 assistance.
Bulins is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
Булстрад is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
DZI is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
Euroins is a motor casco insurance for the BG market with online purchase and limited assistance availability.
Generali is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
Лев Инс is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
УНИКА is a motor casco insurance for the BG market with no online purchase and 24/7 assistance.
Coverage
| Feature / category | Armeec | Bulins | Bulstrad | DZI | Euroins | Generali | Lev Ins | УНИКА |
|---|---|---|---|---|---|---|---|---|
| Online purchase | No | Yes | Yes | Yes | Yes | Yes | Yes | No |
| 24/7 helpline | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Own damage | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
| Total loss | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
| Partial loss | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
| Theft & robbery | Covered | Covered | Covered | Covered | Covered | Conditional | Conditional | Covered |
| Glass damage | Covered | Covered | Covered | Conditional | Covered | Covered | Covered | Covered |
| Natural perils | Covered | Covered | Covered | Covered | Covered | Covered | Covered | Covered |
| Vandalism | Covered | Covered | Covered | Covered | €4,000 | Conditional | Covered | Covered |
| Roadside assistance | €60,000 | Covered | Covered | Covered | Optional | Optional | BGN 200 | Covered |
| Replacement vehicle | Conditional | Not offered | Conditional | Conditional | Optional | Optional | Conditional | Covered |
| Driver accident | Covered | Not offered | Optional | Excluded | Not offered | Optional | Excluded | Optional |
FAQ
What is Casco (Kasko) insurance and how does it differ from MTPL?
MTPL (Гражданска отговорност) is mandatory and covers damage you cause to others. Casco (Каско) is voluntary and covers damage to your own vehicle, including theft, fire, natural disasters, vandalism, and accidents where you are at fault.
What is considered a 'Total Loss' in Bulgaria?
Under the Bulgarian Insurance Code, a vehicle is declared a total loss when the estimated repair costs exceed 70% of its actual market value at the time of the claim. In such cases, the vehicle's registration must be cancelled at the Traffic Police (KAT).
How long do I have to report a vehicle theft?
Theft or robbery must be reported to both the Police and your insurer within 24 hours of discovering the event. Failure to meet this strict deadline can lead to a complete denial of the claim.
What are the common coverage tiers for Casco in Bulgaria?
Bulgarian insurers usually offer 'Full Casco' (all risks including theft and partial damage) and 'Partial Casco' (often excluding theft or covering only specific risks like fire and natural disasters). Most people choose Full Casco for maximum protection.
How is the compensation amount calculated for repairs?
Compensation depends on the age of the car and the policy terms. Options include: repairs at an official dealership (usually for cars up to 3-5 years old), repairs at a trusted non-official workshop, or a cash payout based on an expert appraisal (expert method).
Is Casco valid outside of Bulgaria?
Most Bulgarian Casco policies include free coverage for the EU and countries in the Green Card system. However, some specific risks (like theft) might require an additional fee or specific notification if you plan to travel to certain non-EU countries. Always check your policy's territorial scope.
Do I need to have an alarm or GPS installed?
Yes, Bulgarian insurers typically require a functional alarm system as a minimum security requirement. For high-value or high-risk vehicles, they may also mandate the installation of a GPS tracking device. Coverage for theft is usually invalid if these requirements are not met.