Armeec
Armeec is a motor casco insurance for the Bulgaria market with no online purchase and 24/7 assistance.
Direct payment
Compensation is paid exclusively by bank transfer to the entitled person's designated account, always in euro. For total loss following theft, payment follows termination or suspension of criminal proceedings but no earlier than 90 days from the event. Outstanding premium instalments are deducted from the compensation before payment.
Geographic scope
Bulgaria
Bulgaria and all Green Card member states. Theft of MPS, Additional Multimedia Equipment, factory-fitted multimedia theft, intentional arson and intentional explosion risks have no coverage in Russia, Ukraine, Belarus, Moldova, Azerbaijan, Albania, Kosovo, Bosnia and Herzegovina, Montenegro, Iran, Israel, Tunisia and Morocco.
Unique selling points
- Free 24/7 roadside assistance abroad is included with every Casco policy for passenger vehicles, with an aggregate annual limit of EUR 60,000 per insured person and vehicle, covering towing, replacement vehicle up to 72 hours, MPS repatriation up to EUR 1,500, legal deposit up to EUR 8,000, and full medical transport.
- When Full Casco is combined with an active Green Card Third Party Liability policy, coverage is automatically extended free of charge to all EU member states under Full Casco and to all remaining Green Card countries under Partial Casco, with no additional premium.
- For vehicles up to 4 years old the insured may choose repair at an authorised manufacturer service centre in Bulgaria at the standard premium with no age surcharge, ensuring factory-quality repairs throughout the first four years.
- Insurance compensation is denominated and paid entirely in euro, protecting the insured against local currency depreciation, and the insured sum for additional fitted equipment may reach up to 25% of the vehicle insured sum.
- Cashless repair through the insurer's trusted service network is available for vehicles up to 12 years old, with the insurer paying the service centre directly without requiring the insured to advance funds.
Coverage limits
Own Damage (Partial and Total Loss)
Covered
Covers full loss or partial damage to the insured vehicle caused by perils grouped under the Minimum Casco, Partial Casco and Full Casco clauses. Compensation is limited to the insured sum and may not exceed the actual value of the vehicle at the date of the insured event. The insured sum may not exceed the actual vehicle value at policy commencement.
SourceTotal Loss (Constructive or Economic Total)
Covered
Declared when repair costs exceed 70% of the actual vehicle value at the event date (economic total), or when technical restoration is impossible (constructive total). A second threshold: if cumulative paid compensations exceed 80% of the insured sum during the policy period, the next loss also triggers total loss. At total loss the insurer may pay expert-assessed actual value minus salvage and prior compensations with the insured retaining the wreck, or take ownership of the wreck and pay the insured sum minus prior compensations, or replace the vehicle with an equivalent one by written mutual agreement.
SourcePartial Damage
Covered
Any damage other than total loss. Compensation method depends on vehicle age and premium tier. Vehicles up to 4 years old (or 4-8 years with additional premium for official service): authorised manufacturer service, insurer-trusted service, other service with written consent and insurer price caps, or expert assessment. Vehicles 4-12 years old with minimum premium for trusted service: trusted service or expert assessment. Vehicles over 12 years without additional premium: expert assessment only.
SourceTheft and Robbery of Entire Vehicle
Covered
Covers theft of the entire vehicle, robbery of the entire vehicle, and unlawful taking of the entire vehicle with intent to use. Also covers damage to a vehicle found and returned after unlawful taking. Requires a functioning alarm system with visual and/or audible signalling for passenger cars and light commercial vehicles up to 3.5t. No coverage in Russia, Ukraine, Belarus, Moldova, Azerbaijan, Albania, Kosovo, Bosnia and Herzegovina, Montenegro, Iran, Israel, Tunisia and Morocco.
SourceGlass Damage
Covered
Glass breakage is covered as part of natural perils (e.g. hail breaking glass) and under malicious acts by third parties (e.g. deliberate smashing of windows). No standalone glass-only clause exists; glazing damage caused by covered perils under Partial Casco or Full Casco is indemnified as part of the total repair cost. Tyre and rim damage from malicious acts is explicitly excluded.
SourceNatural Perils
Covered
Covers storm, hurricane, hail, flood from natural disaster, landslide, volcanic activity, damage from weight of accumulated snow or ice, avalanche, falling branches and trees caused by natural perils, and fire and/or explosion from natural perils including lightning, technical malfunction or accidental event, excluding intentional arson or explosion.
SourceVandalism / Malicious Acts by Third Parties
Covered
Covers mechanical or chemical impact on the insured vehicle by third parties including striking with a hard object, breaking, scratching, puncturing, overturning, pouring of paints or chemically active substances. Also covers intentional arson and intentional explosion. Tyre and rim damage from malicious acts is explicitly excluded. Without a police report, compensation is capped at 5% of the insured sum.
SourceRoadside Assistance Abroad (Auto Assistance)
Covered
Included free of charge for all Casco-insured passenger vehicles up to 9 seats and 3.5t with Bulgarian registration. Provided by Inter Partner Assistance (Athens) through 24/7 call centre Koris Bulgaria (+359 2 903 0 122). Annual aggregate limit EUR 60,000 per insured and vehicle. Services include: roadside repair or towing EUR 250, specialised lifting at RTA EUR 300, replacement vehicle cat B or C max 72h for RTA, MPS repatriation EUR 1500, vehicle abandonment abroad EUR 500, spare parts delivery (parts cost excluded), advance payment for temporary repairs EUR 1500, accommodation EUR 50 per person per night max 3 nights or repatriation of insured persons, medical transport, repatriation of remains, emergency visit from Bulgaria, unattended children repatriation, replacement driver, legal deposit EUR 8000 and lawyer fees EUR 1500. Valid outside Bulgaria in Green Card states, trips up to 90 consecutive days. Technical breakdown coverage only for vehicles up to 12 years old.
SourceReplacement Vehicle (Abroad via Assistance)
Conditional
A replacement rental vehicle (category B or C, maximum 72 hours) is provided abroad through the assistance programme when, as a result of an RTA, the insured vehicle cannot be driven for at least 8 hours and repairs cannot be completed within 48 hours. Fuel and motorway tolls are not covered. The renter must hold a valid credit card, be at least 21 years old, and have held a valid driving licence for more than one year. Available only outside Bulgaria.
SourceDriver accident
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Key conditions
driver_age_experience_limit
No minimum driver age or experience limit is specified in the General Terms and Conditions for the standard Casco product. For the replacement vehicle benefit under the abroad assistance programme the renter must be at least 21 years old and have held a valid driving licence for more than one year.
repair_network_requirements
Compensation method depends on vehicle age and premium tier. Up to 4 years old (or 4-8 years with additional premium for official service): authorised manufacturer service centre, insurer-trusted service, other service with written insurer consent subject to insurer price caps on parts and labour, or expert assessment. 4-12 years old with minimum premium for trusted service: trusted service, other service with written consent and price caps, or expert assessment. Over 12 years without additional premium: expert assessment only. Repairs abroad require prior written insurer approval.
territorial_scope
Coverage is valid for Bulgaria and all Green Card member states. Risks under clause Theft of MPS (including when part of Full Casco), Additional Multimedia Equipment, factory-fitted multimedia theft, and intentional arson or intentional explosion have no coverage in Russia, Ukraine, Belarus, Moldova, Azerbaijan, Albania, Kosovo, Bosnia and Herzegovina, Montenegro, Iran, Israel, Tunisia and Morocco. Vehicles with foreign registration are covered only for Bulgaria and the EU.
anti_theft_requirements
A functioning alarm system with visual and/or audible signalling and/or immobilizer is a mandatory condition for coverage under clause Theft of MPS (including when part of Full Casco) and Additional Multimedia Equipment for passenger cars and light commercial vehicles up to 3.5t. An immobilizer alone does not waive the alarm system obligation. The insurer may require additional protective devices. The insured must always lock the vehicle and activate the alarm when leaving it. Keys and vehicle registration documents must not be left in the vehicle.
claim_notification_deadline
For theft, robbery, explosion and fire: telephone notification within 2 hours of learning of the event AND written claim within 24 hours or by the first working day. For all other covered events: written notification within 5 working days. For theft specifically: all keys and vehicle registration certificate Parts I and II must be surrendered to the insurer within the same 24-hour deadline. Failure to notify in time that prevented establishment of the circumstances may result in claim denial.
deductible_rules
The policy may be concluded with or without a deductible at the insured's choice. The deductible may be an absolute amount, a percentage of the loss, a percentage of the insured sum, or a combination. The agreed deductible is stated in the policy and is deducted from each claim. If the assessed compensation is less than the deductible no payment is due. Changes require mutual written agreement in the form of an addendum.
Where to buy
Documents
General Terms and Conditions of ZAD Armeec for Casco MPS Insurance (effective 01.01.2026)
terms_and_conditions
Insurance Product Information Document – Kasko na MPS (new IPID, Armeec official)
ipid
Insurance Product Information Document – Zastrahovka na MPS Kasko (older IPID, Armeec official)
ipid
Insurance Product Information Document – Kasko na MPS A3 format (Armeec official)
ipid
Claims Assistance Guide – Autocasco Armeec (Pomosht pri zastrahovatelno sabitie)
other
Internal Rules for Claims Settlement – ZAD Armeec
other
Policy specifics
Vehicle theft and robbery coverage
Covers theft of the entire motor vehicle or robbery of the entire motor vehicle
Full Casco All Risks clause
Covers all risks including partial damage from all covered clauses M Ch R K Z
Minimal Casco clause
Covers damages from natural disasters storms hurricanes hail floods and fire explosion from natural disasters or technical failure
Malicious acts by third parties coverage
Covers mechanical chemical or other impacts on the vehicle by third parties and damage to recovered stolen vehicles
Geographic coverage restrictions
Theft risks K clause have no coverage in specified territories including Russia Ukraine Belarus Moldova Azerbaijan Albania Kosovo Bosnia and Herzegovina Montenegro Iran Israel Tunisia and Morocco
Mandatory vehicle inspection
ARMEEC requires mandatory presentation of the motor vehicle for inspection and photography at the date of policy commencement
Deductible self participation
A deductible amount is deducted from claim compensation if contractually agreed in the insurance policy
Claim notification deadlines
Standard claims must be reported within 5 working days theft claims must be reported within 24 hours but no later than the first working day all claims must include evidence and documents
Authorized repair shop policy
Repairs can be conducted at official importer service centers ARMEEC proposed service centers or other service centers with written insurer consent. Different reimbursement rules apply based on the chosen repair location
Green Card Third Party Liability combination
When Full Casco is combined with active Green Card Third Party Liability insurance free coverage is provided under clause P for EU countries and clause Ch for other Green Card countries without additional premium
Total loss declaration threshold
A motor vehicle is declared a total loss when repair costs exceed 70 percent of the actual vehicle value at the time of the insured event
Premium payment deadline
The entire annual insurance premium or first installment if payment is split must be paid at or before the policy commencement date. The policy does not come into force until premium is received