BULSTRAD VIENNA INSURANCE GROUP Joint Stock Company
Bulstrad
Bulstrad is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
After a claim is registered, Bulstrad issues an authorization letter for cashless repair at an official or authorized service center for the relevant car brand. When damage is repaired at the service center a second inspection is not required. Claims can be submitted via call center 0800 11 111, at Bulstrad offices, via the website www.bulstrad.bg, or by email at kasko_claims@bulstrad.bg. Compensation for partial damages and fire, including theft, is paid within 15 days.
Geographic scope
Republic of Bulgaria and specified international territories
Valid for Bulgaria, all EU member states, and the following non-EU countries: United Kingdom and Northern Ireland, Principality of Andorra, Bosnia and Herzegovina, Swiss Confederation, Republic of North Macedonia, Kingdom of Norway, Republic of Serbia, Montenegro, and Republic of Turkey, unless otherwise agreed.
Starting price
BGN 240
Unique selling points
- Free 24/7 roadside assistance card (Series E) included at no extra cost with every Casco Standard policy for passenger cars and light commercial vehicles in Bulgaria.
- Casco insurance can be purchased and activated entirely online in minutes, with the policy delivered directly to email.
- Compensation for partial damages, fire, and theft is paid within 15 days, a clearly stated payout commitment above the statutory minimum.
- Advance no-claims bonus of 20% discount applied before the policy period starts, with the tariff rate locked for the full duration of multi-year policies.
- Zeleno Kasko eco-package provides an additional 10% discount plus a free Series A assist card for electric and hybrid vehicles, including mobile emergency charging and towing to the nearest charging station.
Coverage limits
Own Damage (Road Traffic Accident)
Conditional
Covers damage to the insured vehicle resulting from a road traffic accident including collision with another vehicle or stationary object, or damage while parked caused by another vehicle. Coverage is up to the insured sum determined on the basis of actual value. Available under clauses that include road traffic accident risk.
Total Loss
Conditional
Covers total loss of the insured vehicle due to covered perils (fire, road traffic accident, theft, or natural perils) up to the insured sum determined on actual value basis. Available under clauses that include the relevant peril.
Partial Loss
Conditional
Covers partial damage to the insured vehicle resulting from covered perils such as fire, explosion, lightning, storm, hail, falling objects, road traffic accident, or malicious acts of third parties, up to the insured sum. Bulstrad pays compensation for partial damages within 15 days. Available under clauses that include the relevant peril.
Theft or Robbery
Conditional
Covers theft or robbery of the insured vehicle up to the insured sum. Available only under Full Casco and Bonus Casco clauses. Theft is excluded if the vehicle is left unlocked, with keys in the ignition, with open windows, with retracted roof (convertibles), or with a defective, inactive, or disabled alarm, immobiliser, or active tracking system, or with the immobiliser transponder left inside the vehicle. The insurer must be notified within 24 hours of discovery of the theft. Theft coverage for convertibles and vehicles without permanent Bulgarian registration requires special approval.
Glass Damage
Conditional
Breaking of glass is listed as a covered act under the malicious acts of third parties clause. Also covered under Bonus Casco as an all-risk clause. Not available as a standalone glass peril; coverage depends on the clause selected. Standalone theft of glass components such as headlights, mirrors, and wipers is explicitly excluded from all clauses.
Natural Perils and Fire
Covered
Covers damage from fire, explosion, lightning strike, storm, hurricane, hail, falling objects, and fallen trees. Included in all Casco Standard clauses as the base coverage. For claims due to natural perils, a supporting document from Civil Protection and/or a meteorological service is required. Engine damage caused by water ingestion (hydraulic shock) or freezing of coolant is excluded.
Vandalism / Malicious Acts of Third Parties
Conditional
Covers malicious acts of third parties including scratching, puncturing, pouring paint or chemicals on the vehicle, breaking of locking devices, antenna, glass, internal stationary equipment, rear-view mirrors, slashing or puncturing tyres, as well as intentional arson and explosion. Damages caused by intentional or grossly negligent acts of the insured or family members are explicitly excluded.
Roadside Assistance
Covered
Free Series E roadside assistance card for passenger cars and N1 vehicles up to 3.5t and wheelbase up to 3.30m in Bulgaria: covers immobilisation due to an insured event 24/7 at no additional cost. Optional paid upgrades: Series A card (Assist 24/7) adds coverage for technical failure and normal vehicle operation at BGN 30 additional premium; Series H card (Assist 24/7+) provides enhanced coverage at BGN 60 additional premium. For heavy vehicles over 3.5t, buses, and trailers: free Series T card covers immobilisation abroad due to an insured event. Electric and hybrid vehicles under the Zeleno Kasko package receive a free Series A card.
Replacement Vehicle
Not offered
Replacement vehicle coverage is not mentioned as a standard or optional coverage in the Kasko Standard IPID, tariff, or product page. Not found in any verified source for this product.
Accident Insurance for Persons in Vehicle
Optional
Voluntary accident insurance for persons in the vehicle is available as a separately priced optional add-on to Casco Standard (listed in the tariff under Section IX). Covers unexpected events during travel in the insured vehicle resulting from a traffic accident causing death or permanent disability of occupants. Specifically excludes motorcycles and mopeds.
Key conditions
Driver age and experience limit
Premium surcharges apply based on owner/lessee age: under 25 years attracts a 20% surcharge on the base premium; between 25 and 30 years attracts a 10% surcharge. No upper age exclusion; discounts apply for owners aged 40-50 years (5%) and over 50 years (10%).
Repair network requirements
Official brand-authorized service centers for vehicles 0-4 years old inclusive. Trusted service centers with original parts for passenger cars and N1 vehicles aged 5-18 years. Expert valuation only for vehicles over 18 years or where sufficient premium thresholds are not met. Minimum sufficient premium for repair at a trusted center: BGN 500 excl. tax; with original parts: BGN 600 excl. tax. An optional surcharge enables access to official service for vehicles aged 4-7 years.
Territorial scope
Valid for Bulgaria, all EU member states, and the following non-EU Green Card countries: United Kingdom and Northern Ireland, Andorra, Bosnia and Herzegovina, Switzerland, North Macedonia, Norway, Serbia, Montenegro, and Turkey, unless otherwise agreed. Roadside assistance abroad is included via free Series T card for heavy vehicles or as a paid option for lighter vehicles.
Anti-theft requirements
Theft is not covered if the vehicle is left unlocked, with the ignition key inside, with open windows, with retracted roof (convertibles), or with a defective, disabled, inactive, or removed alarm, immobiliser, or active tracking system. The immobiliser transponder must not be left in the vehicle. If a legal entity insured fails to present Part I of the registration certificate, the insurer may refuse payment. If an individual fails to present Part II, the claim is reduced by 30%; for a legal entity or merchant, by 50%.
Claim notification deadline
Theft: notify police and insurer within 24 hours of learning about the event. Partial damages (parking damage, minor accident, damage without documents): notify insurer in writing within 3 working days (at Bulstrad offices or by email to kasko_claims@bulstrad.bg). Fire: submit official note from National Fire Safety Service within 3 working days of its issuance. Events abroad: notify local authorities and the insurer within 3 days of learning about the event.
Deductible rules
Three deductible variants available: no deductible, BGN 150 deductible, and BGN 250 deductible. Higher deductible results in lower premium rate. Minimum annual Casco premium is BGN 240 excluding the 2% insurance guarantee fund levy. When a multi-year policy is concluded, the tariff rate is fixed for the entire duration of the contract.
Where to buy
Policy specifics
Road Assistance
Free E-series road assistance card for passenger cars and N1 vehicles in Bulgaria; optional A, N, H, and T-series cards available for extended coverage
Passenger Accident Coverage
Coverage for unexpected events during vehicle travel resulting from traffic accidents that directly cause death or permanent disability of passengers (excluding motorcycles and motor bikes)
Bonus Casco Clause
Optional comprehensive coverage clause covering all risks except expressly excluded risks, including damage from rodents, animals, birds, firearms, and other causes
Theft Coverage
Coverage for vehicle theft or robbery; exclusion applies for theft when vehicle is unlocked or left with engine running
External Territorial Scope
Coverage extends to EU member states and specific non-EU countries: UK, Andorra, Bosnia and Herzegovina, Switzerland, North Macedonia, Norway, Serbia, Montenegro, and Turkey
Mandatory Vehicle Inspection
Vehicle inspection is required both when concluding the insurance policy and after an insurance event occurs
Policy Transfer Conditions
When transferring vehicle ownership, a policy annex must be issued within 7 days of contract signing and vehicle inspection must be performed
Claim Handling Networks
Official auto repair shops for vehicles 0-4 years old; Trusted shops for passenger cars/N1 vehicles 5-18 years old; Expert valuation for vehicles older than 18 years
Alcohol-Related Driving Exclusion
Damage is not covered if resulting from vehicle operation after alcohol or substance consumption if driver refused a test
Intentional Damage Exclusion
Damages caused by intentional or gross negligent actions of the insured or family members are not covered