Bulins
Bulins is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
The insurer may, at its discretion, pay the indemnity in cash, pay for repair works directly, or replace the damaged vehicle. Repairs outside Bulgaria must be pre-approved by the insurer; unauthorized foreign repairs may result in reduced or refused compensation. Authorized repair networks (trusted workshops) allow direct billing from the insurer.
Geographic scope
BG
Основно покритие: територията на Република България. Може да бъде разширено за чужбина при специално договаряне (EU/EEA/Green Card countries).
Unique selling points
- Exclusive HIT CASCO product with up to 35% advance no-claims discount not available at any other Bulgarian insurer.
- Free roadside assistance is included upon every insured event, with no additional premium required.
- Parkинг damage claims accepted without police attendance – up to 3 claims for external body panel damage per policy period via phone registration on 0700 166 33.
- Additional security device installed at insurer's expense for vehicles with insured sum above 20,000 BGN under Full Casco and Theft clauses.
- 24/7 national helpline (0700 166 33) for claims registration and guidance, with compensation paid within 15 days of receiving all required documents.
Coverage limits
Own vehicle damage
Covered
The insurer compensates direct physical losses or damages to the insured vehicle caused by covered risks. Compensation is determined based on expert assessment of parts, labour and materials prices at the date of the insured event. Total aggregate payments cannot exceed the insured sum.
SourceTotal loss
Covered
Total loss is declared when repair costs exceed 70% of the insured sum, or when cumulative paid compensations during the policy period exceed 80% of the insured sum. Upon total loss, the insurer pays the insured sum less previously paid compensations and the value of salvageable parts. The vehicle must be deregistered before payment.
SourcePartial loss / partial damage
Covered
Partial damage compensation is based on assessment of repair costs. After each paid partial loss compensation, the insured sum is reduced. The insured may re-insure the vehicle to restore the sum. Without re-insurance the policy terminates once 80% of the insured sum has been exhausted. For damage to main external body panels without police attendance, up to 3 claims per policy period are accepted, covering no more than 8 external body panels in total across all three claims.
SourceTheft and robbery of the entire vehicle
Covered
Covers theft of the entire vehicle and damage caused during attempted break-in theft, as well as robbery of the entire vehicle. Compensation is paid at insured sum value (not exceeding actual value) after prosecution suspends the criminal proceedings. Theft is excluded if the vehicle was left unlocked, with keys inside, or with an inactive/faulty alarm system. Not covered under Kasko Select or Budget Kasko clauses.
SourceGlass damage
Covered
Glass breakage is covered as part of road traffic accident damage (collision/impact) and vandalism (malicious acts by third parties including breaking). Covered under Full Casco and Hit Casco clauses. Glass damage from vandalism (breaking, piercing) is included in the vandalism coverage. Kasko Select covers vandalism-related glass damage; Budget Kasko does not cover vandalism.
SourceNatural perils
Covered
Covers storm, hurricane, lightning strike, hail, heavy rain, sea waves, falling snow or ice masses on the vehicle, falling solid objects, flooding, falling trees and branches caused by natural disasters. Also covers damage from failure of industrial or domestic water supply, sewage, gas, steam and electrical installations. Covered under all clauses including Budget Kasko.
SourceVandalism / malicious acts by third parties
Covered
Covers damage caused by malicious acts of third parties including breaking, piercing, wrenching, scratching, pouring paint or chemicals on the vehicle, intentional arson, and intentional explosion. Covered under Full Casco, Hit Casco, and Kasko Select. Not covered under Budget Kasko. Theft of tyres caused by malicious acts of third parties is covered only for tyres manufactured within 24 months prior to the event with at least 80% functional condition.
SourceRoadside assistance
Covered
Free roadside assistance is included upon occurrence of an insured event. For events abroad, the insurer covers provisional repair costs up to 1/10 of the insured sum and vehicle repatriation transport costs up to 1/10 of the insured sum but not more than 1,000 BGN, plus vehicle storage costs for up to 15 days from the event date.
SourceReplacement vehicle
Not offered
Replacement vehicle coverage is not mentioned as a standard inclusion in the Bulins Casco general terms and conditions. It may be available as an optional add-on through special agreement.
SourceDriver accident insurance
Not offered
Driver accident / personal accident coverage for the driver is not listed as a standard coverage in the Bulins Casco general terms and conditions. It may be available as a separate optional policy (Злополука).
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in the general terms and conditions. However, coverage is excluded when the vehicle is driven by an unlicensed driver or a driver without a valid driving licence.
repair_network_requirements
The insurer may pay compensation in cash, pay for repair works directly, or replace the vehicle. Repairs abroad must be pre-approved by the insurer in writing; unauthorized foreign repairs may result in reduced or refused compensation. The insurer operates authorized workshop networks (trusted workshops) for direct billing.
territorial_scope
The policy is primarily valid on the territory of the Republic of Bulgaria. Coverage may be extended to abroad by special agreement. For events abroad, provisional repair costs and repatriation transport are covered up to 1/10 of the insured sum (repatriation capped at 1,000 BGN). Vehicle storage abroad is covered for up to 15 days.
anti_theft_requirements
Coverage for theft of the entire vehicle is excluded if the vehicle was left unlocked, left without being closed, with the ignition key inside, or with the alarm system switched off, faulty, or removed. Vehicle keys, remote controls for the alarm system, or vehicle registration documents must not be left inside the vehicle. For vehicles with insured sum above 20,000 BGN under Full Casco or Theft clauses, an additional protective device is installed at the insurer's expense.
claim_notification_deadline
For theft or robbery: notification within 24 hours of learning of the event. For all other insured events: notification within 3 working days of learning of the event, with written description of circumstances. For events abroad, the insurer must also be notified upon return to Bulgaria and the vehicle must be presented for inspection.
deductible_rules
The premium is determined based on the insured sum, vehicle type, age, risk coverage, and any agreed mandatory deductible (безусловна франшиза). If installment payment is agreed and an insured event occurs, any unpaid installments become immediately due and the insurer deducts them from the compensation. The insured sum is reduced after each paid compensation; re-insurance is possible but not if less than 2 months remain until policy expiry.
Where to buy
Policy specifics
Advance bonus for no-claims history
Optional no-claims discount feature that provides up to 35% additional premium reduction for insured with no filed claims during the policy period
HIT CASCO exclusive product
Exclusive CASCO product variant offered by Bulins with unique features not available from other Bulgarian insurers
Casco Select clause
Base coverage option under Bulins CASCO offering selected risk protections
No coverage for off-road use
Damages to the vehicle resulting from driving outside the Republican road network are excluded unless otherwise agreed.
Tyre damage coverage conditions
Tyre damage from malicious acts of third parties is covered only for tyres manufactured within 24 months before the event date with at least 80% functional condition. Tyre damage from RTA is covered only for tyres with at least 50% functional condition, except when the RTA is certified by competent state authorities.
Vehicle alarm device requirement
Bulins requires specific alarm system conditions for CASCO acceptance, particularly for older vehicles or theft coverage
Police report requirement for claims
Bulins may require police documentation for certain claim types, particularly for parking lot damages or incidents without third-party involvement
Authorized repair network option
Bulins has authorized repair service networks (doverneni servizi) through which insured can claim repairs with direct payment from insurer to workshop
Territorial validity - Bulgaria, EU and EEA
Bulins CASCO coverage is valid in Bulgaria, EU member states, and EEA member countries
Installment payment - up to 4 equal parts
Bulins allows payment of CASCO premiums in up to 4 equal installments without increase