BULSTRAD VIENNA INSURANCE GROUP Joint Stock Company

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.

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

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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

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Intentional Damage Exclusion

Damages caused by intentional or gross negligent actions of the insured or family members are not covered

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