Bulins Casco (own-damage car insurance) (Kasko Izbor)

Hit Kasko clause offers up to 35% advance premium discount for no-claims customers, with the option at claim time to pay the difference and receive compensation or retain the discount.

Free roadside assistance up to 250 km is included as a standard benefit whenever a covered event leaves the vehicle immobilised, with no separate policy or additional fee required.

Up to 3 minor damage claims per policy term can be registered without a KAT police protocol for parking or single-vehicle incidents, simplifying the claims process for everyday low-impact events.

Premium can be split into up to 4 equal instalments at no extra cost, making full casco coverage more financially accessible without any price surcharge for deferred payment.

Driver age and experience limit

No explicit minimum driver age or minimum driving experience requirement is stated in the IPID. The policy excludes coverage when the vehicle is driven by an unlicensed driver, a driver without a valid driving licence, or a driver whose licence has been suspended.

Section: Какво не покрива застраховката?

Управление от неправоспособен водач или без валидно свидетелство за управление на ППС, или спряно от движение;

Repair network requirements

Damaged vehicles must be presented for inspection by the insurer before repairs are carried out. Damage to vehicles not presented for inspection is excluded from coverage.

Section: III. РАЗДЕЛ „ИЗКЛЮЧЕНИ РИСКОВЕ“

Нанесени щети на СПС, непредставени за оглед пред Застрахователя.

Anti-theft requirements

Theft of the entire vehicle is not covered if it is proven that the vehicle was left unlocked, not closed, with the key in the ignition, or with a disabled, faulty or removed alarm or security system, or if the vehicle registration certificate (Part I and/or Part II), keys, or alarm remote control were left inside the vehicle. For policies with clauses P and K on certain makes and models with an insured sum above 20,000 BGN, the insurer installs an additional protective device at its own expense.

Section: III. РАЗДЕЛ „ИЗКЛЮЧЕНИ РИСКОВЕ“

Кражба на цялото СПС в случай, че се докаже по безспорен начин, че: 1.11.1. Застрахованото СПС е оставено: незаключено, незатворено, с ключ на стартера, с изключена, неизправна или демонтирана сигнално – охранителна система. 1.11.2. В СПС е поставен: ключ/ове на СПС, дистанционно за сигнално – охранителна система или свидетелство за регистрация на СПС, съответно свидетелство за регистрация – част I и/или част II.

Claim notification deadline

For theft or robbery: notify the insurer within 24 hours of the insured event. For all other insured events: notify within 3 working days of the event and provide a written description of the circumstances. The relevant authorities must also be notified immediately according to the type of event.

Section: VI. РАЗДЕЛ „ПРАВА И ЗАДЪЛЖЕНИЯ НА ЗАСТРАХОВАНИЯ“

Да уведоми Застрахователя при: кражба или грабеж в срок от 24 (двадесет и четири) часа от узнаването за настъпването на застрахователното събитие; останалите застрахователни събития – в срок от 3 (три) работни дни от узнаването за настъпването на застрахователното събитие и писмено да изложи обстоятелствата за настъпване на събитието.

Deductible rules

No explicit deductible amount or percentage is stated in the IPID or available product-page summaries. Deductible terms if any are agreed in the individual policy and the general terms and conditions document.

Section: VII. РАЗДЕЛ „ЗАСТРАХОВАТЕЛНА СУМА И ПРЕМИЯ“

Застрахователната премия се определя от Застрахователя в зависимост от застрахователната сума, вида, годините на застрахованото СПС, рисковото покритие и допълнително договорен безусловна франшиза (самоучастие).

Direct payment

Claims are settled by the insurer directly. The insured must notify the insurer within 24 hours for theft or robbery, or within 3 working days for all other insured events. Payment can be made at any Bul Ins office, by bank transfer, or through the intermediary. Under the Hit Casco advance-bonus clause, the premium difference must be paid before any claim is processed and compensation issued.