Bulgaria Insurance
България Иншурънс
България Иншурънс is a motor casco insurance for the Bulgaria market with no online purchase and 24/7 assistance.
Direct payment
When repairs are carried out at a trusted service partner of the insurer, the compensation is paid by the insurer directly to the repair shop, subject to the insured's written consent. In case of health care coverage (Здравна грижа), the insurer covers medical expenses up to BGN 1000 in total for all injured persons.
Geographic scope
Bulgaria, European Union, and Green Card member countries including Turkey
Coverage is valid on the territory of Bulgaria and the remaining EU member states. The product page also states coverage extends to International Green Card Agreement member countries in Europe, including Turkey.
Unique selling points
- Three cumulative coverage clauses (Частично КАСКО, Кражба на МПС, Пълно КАСКО) allow customers to tailor protection from basic perils up to full comprehensive cover at a competitive price.
- Built-in BGN 1,000 health care benefit (Здравна грижа) covering medical expenses for all vehicle occupants injured in a road traffic accident, included across all clause levels at no extra charge.
- Coverage valid across Bulgaria, all EU member states, and International Green Card Agreement countries in Europe including Turkey, providing extensive cross-border protection.
- Flexible compensation options: the insured may choose expert assessment, reimbursement of paid repair invoices, or direct repair at the official importer's or insurer's trusted service partner.
- Access to telephone psychological consultation for driver and all passengers following a traffic accident, supporting mental wellbeing after traumatic road events.
Coverage limits
Own Damage (Partial and Total)
Covered
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.
Total Loss
Covered
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.
Partial Loss
Covered
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.
Theft, Robbery, Unlawful Taking of Entire Vehicle
Conditional
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.
Glass Damage
Not offered
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.
Natural Perils (excl. Earthquake)
Covered
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.
Vandalism / Malicious Acts of Third Parties
Conditional
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.
Roadside Assistance
Not offered
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.
Replacement Vehicle
Not offered
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.
Health Care for Driver and Passengers (Здравна грижа)
Covered
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.
Key conditions
Driver age and experience limit
No driver age or experience limits are specified in the reviewed IPID or claims rules for this product.
Repair network requirements
The insured may choose from: (1) expert assessment by an insurer specialist; (2) submission of invoices for repairs already completed and paid by the insured; or (3) repair at an official importer's service centre or a trusted service partner of the insurer. When repairs are carried out at a trusted service partner, compensation is paid directly to the repair shop at prices agreed between the insurer and the shop.
Territorial scope
Coverage is valid on the territory of the Republic of Bulgaria and the remaining EU member states. According to the product page, coverage also extends to member countries of the International Green Card Agreement in Europe, including Turkey.
Anti-theft requirements
Coverage for theft-related risks does not apply when the insured vehicle is left unlocked and/or with an open door/window/sunroof and/or with the alarm/immobiliser system not working, not activated, or not installed as required by the insurer. Coverage is also excluded if any locking device, vehicle registration document (Part I), or ownership document is left inside the vehicle or outside it without the necessary supervision.
Claim notification deadline
The insured must notify the insurer in writing within 3 (three) days of learning of the event. In the case of a theft event, the insured must notify the competent authorities and the insurer within 24 (twenty-four) hours of learning of the event.
Deductible rules
The insurance contract (policy) may specify a deductible (самоучастие) to be borne by the insured. The specific amount is agreed per policy. The insurer deducts the deductible from the calculated compensation amount. The deductible is not stated as a fixed amount in the IPID; it is policy-specific.
Policy specifics
Health care for passengers
Opportunity to receive timely, appropriate medical care for all passengers in the insured vehicle in the event of a traffic accident
Personal psychologist telephone consultation
Opportunity for telephone consultation with a psychologist for all passengers and the driver in the insured vehicle after a traffic accident
Fire and natural disasters
Coverage for fire and explosion as a result of technical failure and/or accidental occurrence or natural disasters
Coverage territory
Insurance coverage is valid on the territory of Bulgaria, the European Union and on the territory of the member-countries of the International Green Card Agreement
Vehicle types eligible for insurance
Motor vehicles with Bulgarian registration, including cars, trucks, motorcycles and other motor vehicle types
Flexible insurance clauses
Casco Insurance is a product that offers different clauses - Smart, Comfort and Premium, which through a combination of risks provide optimal protection at a competitive price