Insurance Company Bul Ins JSC
Bulins
Bulins is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
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.
Geographic scope
Bulgaria and abroad — EU member states and Green Card Agreement countries including Andorra, Bosnia and Herzegovina, Switzerland, North Macedonia, Norway, Serbia, Montenegro, and Turkey
Valid in the Republic of Bulgaria, EU member states, and Green Card Agreement countries: Principality of Andorra, Bosnia and Herzegovina, Swiss Confederation, Republic of North Macedonia, Kingdom of Norway, Republic of Serbia, Montenegro, Republic of Turkey
Unique selling points
- Hit Kasko clause offers up to 35% advance premium discount for no-claims customers, with the unique option at claim time to pay the difference and receive compensation or retain the discount — a feature not available from any other Bulgarian insurer.
- 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.
- For high-value vehicles with insured sum above 20,000 BGN covered under the full casco and theft clauses, Bul Ins installs a free additional anti-theft protective device at policy inception at its own expense.
Coverage limits
Own Damage (Collision and Partial Loss)
Covered
Covers repair costs for damage to the insured vehicle from road traffic accidents (collision or impact with other vehicles, moving or stationary objects, animals or persons, including when parked; opening of bonnet or door while in motion), fire and/or explosion during operation, natural perils, utility system failures, and malicious acts by third parties. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko. The compensation limit equals the customer-selected insured sum.
Total Loss
Covered
The insurer compensates total loss of the insured vehicle caused by covered perils under the applicable clause. The compensation limit equals the agreed insured sum. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.
Partial Loss
Covered
The insurer compensates partial damage to the insured vehicle caused by covered perils. For damage to main external body panels (bumper, fender, door, front or rear bonnet, panel, side, roof, glass, mirrors and standard lighting fixtures) occurring at a parking event or minor accident without a bilateral protocol or police document, the insurer pays up to 3 claims per policy term, not exceeding 8 external main body parts and panels in total across both claims. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.
Theft or Robbery of Entire Vehicle
Optional
Covers loss of the entire insured vehicle due to theft or robbery. Available as a standalone clause or included within the Palno Kasko clause. Not covered if the vehicle was left unlocked, with the key in the ignition, with a disabled or removed alarm system, or if the vehicle registration document or keys were left inside. For policies with clauses P and K on vehicles with insured sum above 20,000 BGN, the insurer installs a free additional protective security device.
Glass Damage
Covered
Glass breakage is covered as part of the main external body panels under the partial loss provision within clauses Kasko Select, Palno Kasko, and Hit Kasko. The IPID lists glass among the main external body panels subject to the up-to-3-claims-without-protocol limitation. No separate glass-only monetary sublimit is stated; the insured sum applies.
Natural Perils
Covered
Covers damage caused by storm, hurricane, lightning strike, hail, heavy rain, sea waves, falling snow mass or ice blocks onto the vehicle, falling hard objects onto the vehicle, flooding, falling trees and branches due to natural disasters, and failure of industrial or residential water supply, sewage, gas, steam or electrical installations. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.
Vandalism and Malicious Acts by Third Parties
Covered
Covers damage caused by malicious acts of third parties including breaking, piercing, prying, scratching, and spraying with paints or other chemicals. Intentional arson or explosion is included within the Palno Kasko clause. Covered under clauses Kasko Select, Palno Kasko, and Hit Kasko.
Free Roadside Assistance (up to 250 km)
Covered
Free roadside assistance is included as a standard benefit when a covered insured event occurs and the vehicle cannot move under its own power. The vehicle is towed from the scene of the event to the nearest repair facility or domicile, up to a maximum of 250 km, within the territory of Bulgaria. An additional paid Assistans coverage is available as an optional add-on for broader roadside services, valid 24 hours a day seven days a week, evidenced by a special Series S card.
Replacement Vehicle
Excluded
A replacement vehicle is not mentioned as a covered benefit in the IPID or product page. The IPID explicitly excludes loss of use, lost profits, and indirect losses. This benefit is not offered under this product.
Driver and Passenger Accident Insurance
Excluded
Accident cover for the driver and passengers is not included in the Kasko Izbor product. The IPID and product page make no mention of such cover within the casco clauses. It may be purchased as a separate standalone accident product from Bul Ins.
Key conditions
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.
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. The insurer maintains a network of trusted service centres.
Territorial scope
Coverage is valid in the Republic of Bulgaria, all EU member states, and countries that are members of the International Green Card Agreement: Principality of Andorra, Bosnia and Herzegovina, Swiss Confederation, Republic of North Macedonia, Kingdom of Norway, Republic of Serbia, Montenegro, and Republic of Turkey.
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.
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.
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.
Where to buy
Policy specifics
Road Assistance
Free roadside assistance up to 250 km when covered event occurs and vehicle cannot move under its own power
Advance Bonus for No-Claims History
Up to 35% discount on premium available upfront for customers with no-claims history; premium adjusted if claim is filed
Theft or Robbery of Entire Vehicle
Coverage for loss of entire vehicle due to theft or robbery
Intentional Fire or Explosion
Coverage for intentional fire or explosion damage to vehicle
Bulgarian Vehicle Registration Required
Insurance coverage applies only to motor vehicles with Bulgarian registration numbers
Territory of Coverage
Coverage valid in Bulgaria, EU member states, and countries that are members of the International Green Card Agreement (including Turkey, Albania, Bosnia and Herzegovina, Switzerland, North Macedonia, Norway, Serbia, Montenegro, Türkiye)
Policy Term Options
Insurance can be purchased for one-time payment or installment payments in 2, 3, or 4 installments
Premium Correction Upon Claim Filing
When a claim is filed on advance bonus discount policy, premium is adjusted upward from discounted amount to base premium; difference becomes payable before claim settlement