Armeec Casco (own-damage car insurance) (Casco)

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.

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.

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.

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).

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).

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.

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).

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.

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.