Allianz Casco (own-damage car insurance) (Moya Kola)

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.

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.

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.

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.

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.

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.

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.

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.

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.