DZI - General Insurance EAD / DZI - Life Insurance EAD

Driver age and experience limit

No minimum driver age or experience requirement is specified in the General Terms and Conditions or IPID. The driver must hold a valid driving licence for the category of the insured vehicle at the time of the insured event. Driving under the influence of alcohol above legal limits, narcotics, or medication that prohibits driving is an exclusion.

Repair network requirements

By default, claim settlement is by expert valuation according to the insurer's methodology. Optional Official Workshop arrangement for vehicles up to 4 years old, and up to 8 years for cars and vans up to 3.5 tonnes with insured sum above 10,000 BGN, allows repair at the brand's authorised dealer in Bulgaria. Optional Trusted Workshop arrangement allows repair at an insurer-approved workshop. Repairs outside Bulgaria without the Repair Abroad special arrangement are limited to provisional repair up to 10% of the insured sum for safe return to Bulgaria.

Territorial scope

Coverage applies to Bulgaria, all EU member states, and Green Card member states. Theft, robbery, fire and explosion from technical defect, arson, and deliberate explosion are not covered in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia-Herzegovina, and non-European Green Card states except Turkey. Abroad assistance covers EU and Green Card member states excluding Bulgaria, for unlimited trips each up to 90 consecutive days.

Anti-theft requirements

The insurer may require installation of additional anti-theft devices such as an alarm, immobiliser, or GPS tracker, which must be fitted by insurer-approved specialists. Theft and robbery risks are not covered until required devices are installed. The insured must keep all locking mechanisms and remote controls out of the vehicle when unattended, lock the vehicle, and activate all required security systems. In case of loss or theft of keys or remote controls, the insured must notify the insurer within 24 hours and replace the locking mechanisms at own cost, after which a new inspection by the insurer is required before theft cover resumes.

Claim notification deadline

For theft or robbery of the whole vehicle: written claim must be submitted within 24 hours of discovery together with all declared locking mechanisms and remote controls. For all other insured events: written claim within 7 days of the event or knowledge thereof. Competent authorities such as traffic police, fire service, and police must be notified immediately for relevant events. The insurer pays within 15 working days of receiving all required documents. Remote digital claims filing via dzi.bg is available for eligible events but not for theft, robbery, fire, flood, or events with more than 5 damaged parts.

Deductible rules

A voluntary deductible may be agreed under Super and Full Casco clauses in exchange for a reduced premium; the agreed amount is deducted from every claim payment. For repairs abroad on heavy vehicles above 3.5 tonnes, trailers, and buses above 16 plus 1 seats, a mandatory deductible of EUR 1,000 applies per claim where the planned repair exceeds what is provisionally necessary. An optional Advance Bonus offering an upfront premium discount is available for passenger vehicles up to 16 seats and freight vehicles up to 3.5 tonnes; if a claim is made during the policy term, the advance bonus amount becomes due and payable by the insured.

Assistance services in Bulgaria

Free-of-charge roadside assistance and technical support services provided within Bulgaria upon insured events

Assistance services abroad

Assistance services provided in case of road traffic accident abroad, covering EU member countries and National Bureaux territories

Section: CASCO+ MOTOR INSURANCE

Provided with clauses „Full Casco“ and „Super“ are: „Assistance Services for the Republic of Bulgaria“ - in case of occurrence of an insured event and „Assistance Services Abroad“ - in case of occurrence of a road traffic accident (RTA).

Vehicle damage coverage

Coverage for partial and total damage to motor vehicles, including theft and robbery of whole vehicle depending on selected clause

Section: GENERAL TERMS AND CONDITIONS OF CASCO+ MOTOR INSURANCE > SECTION I: GENERAL PROVISIONS > 1. SUBJECT OF THE INSURANCE

Depending on the selected coverage (Clause), subject to insurance may be damages from total loss of the motor vehicle, including in case of theft or robbery of the whole vehicle or damages from total loss and partial damage to the motor vehicle.

Bulgarian vehicle registration requirement

Insurance applies exclusively to motor vehicles with permanent Bulgarian registration plates

Eligible vehicle types

Specific motor vehicle categories covered: passenger cars, freight vehicles up to 3.5 tonnes, motorcycles, buses up to 9 seats, agricultural/forestry equipment, construction machinery, and specialized vehicles

No leasing vehicle restriction

Leasing vehicles (with financing through leasing arrangements) are not eligible for standard online B2C Casco+ insurance

Repair in foreign country option

Special contractual option allowing repair of all partial damages in the country where the insured event occurred, rather than requiring transport to Bulgaria

Claim notification timeframe

Claims must be reported within specific timeframes: 7 days from occurrence/knowledge of standard events, 24 hours for theft/robbery