Reviewed by Elmira Kechedzhi

DZI Casco (own-damage car insurance) (Casco Plus)

Underwritten by ДЗИ – Общо застраховане ЕАД · Bulgaria

casco (own-damage car insurance) from DZI for the Bulgaria market, with online purchase and 24/7 assistance.

Verified Aug 3, 2026 · Terms dated 2023-07-27Reviewed by Elmira Kechedzhi on Oct 6, 2026Sources

Online purchase24/7 helpline

Unique selling points

Free roadside assistance up to 300 km towing in Bulgaria and a comprehensive abroad assistance package are included at no extra premium with Full Casco and Super clauses.

Fully digital end-to-end process: online policy issuance with a free e-signature from DZI, digital damage reporting, and online instalment payments at dzi.bg.

Four selectable coverage clauses and optional Official Workshop and Repair Abroad arrangements allow each customer to match coverage scope and premium to their individual needs.

No vehicle inspection is required upon renewal without interruption, reducing administrative burden and enabling faster policy reinstatement for existing DZI customers.

DZI is part of KBC Group.

Coverage limits

Conditional

Own damage – partial and total

100% of insured sum

Covers partial damages and total loss of the insured vehicle up to the insured sum, which equals the vehicle's actual value at contract inception. Available under the Full Casco and Super clauses. The Total Loss clause covers only total-loss events. The insured sum is denominated in BGN or EUR per the policyholder's choice.

Clause Раздел II, т.2Page 4

Section: Раздел II: Каско > 2. ПОКРИТИ РИСКОВЕ

По тези Общи условия ЗАСТРАХОВАТЕЛЯТ покрива пълна загуба или частична щета на застрахованото МПС, причинени от рискове групирани в следните клаузи:

Covered

Total loss

100% of insured sum

Total loss is defined as damage where repair costs exceed 70% of the vehicle's actual value at the date of the insured event. The insurer pays the insured sum or its remainder, not exceeding actual vehicle value at the event date, less the value of salvageable components. For vehicles up to 3 years old the insurer may offer to pay the full insured sum against transfer of title. Covered under all four clauses.

Clause т. 12.3.1Page 7

Section: Раздел II: Каско > 12. ОЦЕНКА НА ЩЕТИТЕ И РАЗМЕР НА ОБЕЗЩЕТЕНИЯТА

При пълна загуба, ЗАСТРАХОВАТЕЛЯТ изплаща застрахователната сума или остатъка от нея, но не повече от действителната стойност на застрахованото МПС към датата на настъпване на застрахователното събитие, намалена със стойностите на годните агрегати, възли и детайли.

Conditional

Partial loss / partial damage

100% of insured sum

Covers repair costs for partial damages up to the insured sum. Compensation for damage proven solely by written declaration is capped at 10% of the insured sum per event, with total declaration-based claims not exceeding 20% of the insured sum over the policy term. Theft of individual components without theft of the whole vehicle is not covered. Available under Full Casco and Super clauses only.

Clause т. 4.6Page 5

Section: Раздел II: Каско > 4.ДЕЙСТВИТЕЛНА СТОЙНОСТ. ЗАСТРАХОВАТЕЛНА СУМА

Отговорността на ЗАСТРАХОВАТЕЛЯ за застрахователно събитие, доказвано на база писмена декларация по образец от ЗАСТРАХОВАНИЯ е в размер до 10% от застрахователната сума, като за срока на застраховката общия размер на щетите, признати въз основа декларация на ЗАСТРАХОВАНИЯ не може да надхвърли 20% от застрахователната сума;

Conditional

Theft and robbery of whole vehicle

100% of insured sum

Covers theft (unlawful taking without consent) and robbery (taking by force or threat) of the entire vehicle. The insurer pays the insured sum or its remainder up to actual vehicle value at date of loss. Partial theft of components is not covered under the Theft and Robbery clause. Under Full Casco, burglary theft of stationary multimedia equipment fitted after manufacture is covered for items of single value up to 5% of the insured sum, only where the contract names the equipment, an additional premium is paid and the equipment has been inspected and valued. Theft or robbery is not covered if the vehicle was left unlocked, with engine running, or with security devices disabled or absent.

Clause т. 2.3.2Page 5

Section: Раздел II: Каско > 2. ПОКРИТИ РИСКОВЕ > 2.3.КЛАУЗА „ПЪЛНО КАСКО“

2.3.2.Кражба чрез взлом на застраховано стационарно монтирано мултимедийно оборудване в МПС на единична стойност до 5% от застрахователната сума.

Conditional

Glass damage

Conditional

Glass damage is covered as a component of partial damage resulting from covered insured events such as road traffic accidents, vandalism, or natural perils under the Full Casco and Super clauses. No separate glass sub-limit is stated; coverage is within the general insured sum. No standalone glass clause is offered.

Clause т. 2.1.3.1Page 4

Section: Раздел II: Каско > 2. ПОКРИТИ РИСКОВЕ > 2.1.КЛАУЗА „СУПЕР“

2.1.3.Пътно-транспортни произшествия (ПТП): 2.1.3.1.сблъскване с или удар от МПС и/или други физически тела, в това число ПТП, съгласно Закона за движение по пътищата;

Conditional

Natural perils

100% of insured sum

Covers damage from storm (wind above 15 m/s), hurricane (wind above 30 m/s), hail, flood, landslide or earth collapse, accidental falling of branches or trees due to natural perils, fire or lightning from natural perils, snow or ice accumulation from heavy snowfall, falling ice or snow masses due to meteorological changes, sea waves, volcanic action, and damage from infrastructure failures outside the vehicle such as water pipes, gas pipes, and electricity lines. Available under Super and Full Casco clauses.

Clause т. 2.1.1Page 4

Section: Раздел II: Каско > 2. ПОКРИТИ РИСКОВЕ > 2.1.КЛАУЗА „СУПЕР“

2.1.1.Природни бедствия: 2.1.1.1.буря, ураган, градушка, наводнение, свличане или срутване на земни пластове;

Conditional

Vandalism and malicious acts by third parties

100% of insured sum

Covers damage caused by malicious acts of third parties through mechanical impact such as striking with a hard object, scratching, or deliberate overturning, and pouring of chemically active substances such as acids or bases. Also covers animal damage to the vehicle while parked including scratching and damage to cables and other components. Under Full Casco, arson and deliberate explosion of the vehicle are additionally covered. Available under Super and Full Casco clauses.

Clause т. 2.1.5-2.1.6Page 4

Section: Раздел II: Каско > 2. ПОКРИТИ РИСКОВЕ > 2.1.КЛАУЗА „СУПЕР“

2.1.5.Злоумишлени действия на трети лица - причинени повреди на МПС от трети лица чрез механично въздействие (удар с твърд предмет, надраскване, умишлено преобръщане на МПС), заливане с химически активни вещества (киселини, основи и др); 2.1.6.Щети от животни по застрахованото МПС в паркирано състояние (надраскване, увреждане на кабели и други детайли).

Covered

Roadside assistance in Bulgaria and abroad

300 km

Included at no extra premium with Full Casco and Super clauses. Bulgaria: free towing up to 300 km total for up to 2 events during the term of the insurance contract for passenger and freight vehicles up to 3.5 tonnes with up to 9 seats and motorcycles. Abroad upon road traffic accident: on-site repair up to EUR 250, towing up to EUR 250, crane extraction up to EUR 500, replacement driver up to EUR 250, replacement vehicle category A up to EUR 250 for 48 hours, vehicle repatriation up to EUR 1,500, spare parts delivery, and advance payment for provisional repair up to EUR 1,000. Abroad assistance is valid for unlimited trips each up to 90 consecutive days.

Clause т. 3.1.1Page 8

Section: Раздел III: АСИСТАНС УСЛУГИ ЗА ТЕРИТОРИЯТА НА РЕПУБЛИКА БЪЛГАРИЯ > 3.ЗАСТРАХОВАТЕЛНИ ПОКРИТИЯ И ЛИМИТИ НА ОТГОВОРНОСТ

до 2 пъти през срока на действие на застрахователния договор, като разстоянието за транспортиране е лимитирано до 300 км общ пробег за двете събития:

Conditional

Replacement vehicle abroad

€250

If the insured vehicle is immobilised for more than 8 hours due to a road traffic accident abroad and repair cannot be completed within the following 48 hours, the insurer covers rental car costs for category A vehicle for up to 48 hours up to EUR 250. Fuel and motorway tolls are excluded. Available only when the insured event occurs outside Bulgaria under Full Casco and Super clauses.

Clause т. 5.3Page 9

Section: Раздел IV: АСИСТАНС УСЛУГИ ЗА ЧУЖБИНА > 5.3.ЗАМЕСТВАЩ АВТОМОБИЛ

Ако вследствие на ПТП застрахованото МПС не е в движение повече от 8 часа и ремонтните работи не могат да бъдат приключени през следващите 48 часа, ЗАСТРАХОВАТЕЛЯТ поема разходите, в размер до 250 евро, за автомобил под наем, категория А, за период не надвишаващ 48 часа.

Excluded

Driver personal accident

Excluded

Personal accident coverage for the driver is not included within the Casco+ policy. The IPID notes that a separate Accident of Persons in Motor Vehicles insurance may be purchased alongside Casco+.

Page 1

Section: Какъв е този вид застраховка?

Към автомобилна застраховка „Каско+“ може да сключите застраховка "Помощ на пътя“ и застраховка „Злополука на лицата в МПС”.

Key conditions

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.

SourceClause Водач (14. Дефиниции)Page 3

Section: Раздел I: ОБЩИ ПОЛОЖЕНИЯ > 14. ДЕФИНИЦИИ

Водач: лице, което управлява застрахованото МПС и което притежава Свидетелство за управление, валидно към датата на застрахователното събитие и за категорията на управляваното МПС.

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.

SourceClause т. 3.1, т. 3.1.1Page 5

Section: Раздел II: Каско > 3. СПЕЦИАЛНИ ДОГОВОРЕНОСТИ > 3.1.“Официален сервиз”

„Официален сервиз” може да се договори за МПС на възраст до 4 (четири) години включително и при минимална застрахователна премия, съгласно Тарифата на ЗАСТРАХОВАТЕЛЯ. ... 3.1.1.За МПС на възраст над 4 до 8 години включително, специалната договореност „Официален сервиз” се предоставя само за леки и товарни автомобили до 3,5 тона общо тегло, автобуси (15+1 места) и туристически ремаркета със застрахователна сума над 10 000 (десет хиляди) лв., при допълнително завишение на застрахователната премия, съгласно Тарифата на ЗАСТРАХОВАТЕЛЯ.

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.

SourceClause т. 8.1Page 5

Section: Раздел II: Каско > 8.СПЕЦИАЛНИ ИЗИСКВАНИЯ

8.1.ЗАСТРАХОВАТЕЛЯТ има право да изиска поставянето на допълнителни средства за защита, което се посочва в застрахователната полица или в декларация към застрахователния договор. Монтажът на допълнителните средства за защита, се извършва при посочени от ЗАСТРАХОВАТЕЛЯ специализирани фирми или сервизи, като до извършването му не се покриват събития по рисковете „Кражба“ и „Грабеж“.

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.

SourceClause т. 9.5.2, т. 9.5.3Page 6

Section: Раздел II: Каско > 9.ЗАДЪЛЖЕНИЯ НА ЗАСТРАХОВАНИЯ ПРИ НАСТЪПВАНЕ НА ЗАСТРАХОВАТЕЛНО СЪБИТИЕ

9.5.2.в срок до 24 часа от узнаването за настъпване на кражба или грабеж на МПС лично или чрез свой представител да уведоми ЗАСТРАХОВАТЕЛЯ... 9.5.3.в срок до седем дни от узнаването, при настъпване на други застрахователни събития лично или чрез свой представител да подаде писмена претенция по образец на ЗАСТРАХОВАТЕЛЯ.

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.

SourceClause т. 3.4, т. 6Page 5

Section: Раздел II: Каско > 3. СПЕЦИАЛНИ ДОГОВОРЕНОСТИ > 3.4.“Ремонт в чужбина“

За товарни МПС с общо тегло над 3,5 т., ремаркета, полуремаркета, специални МПС и автобуси (над 16+1 места) се прилага задължително самоучастие в размер на 1000 евро във всяка щета, за която предвидения ремонт превишава провизорно необходимия.

Direct payment

For partial damages under the Trusted Workshop or Official Workshop arrangement, the insurer pays the repair workshop directly. For roadside assistance services, DZI pays the assistance company directly for all covered services without reimbursement to the insured.

Territorial scope

Bulgaria, EU member states, and Green Card member states. Theft, robbery, fire/explosion from technical defect, and arson are excluded in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia-Herzegovina, and non-European Green Card states except Turkey.

Documents

IPID – Casco Insurance Product Information Document (DZI) (opens in a new tab)

Product information sheet · PDF

General Terms and Conditions – Casco+ and Roadside Assistance Insurance (Bulgarian, effective 27.07.2023) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions – Casco+ and Roadside Assistance Insurance (English translation, 2018 version) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Assistance services in Bulgaria

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

SourceClause т. 1, т. 3.1Page 8

Section: Раздел III: АСИСТАНС УСЛУГИ ЗА ТЕРИТОРИЯТА НА РЕПУБЛИКА БЪЛГАРИЯ

1. По това покритие ЗАСТРАХОВАТЕЛЯТ осигурява право на ЗАСТРАХОВАНИЯ, без начисляване на допълнителна застрахователна премия, да ползва асистанс услуги на територията на Република България, посредством свой договорен партньор, наричан по-долу Асистираща компания. ... 3.1.Транспортиране на увредено МПС, при обездвижване и при условие, че повредата, довела до обездвижването не може да бъде отстранена на мястото на събитието, като транспортирането се ограничава в следните лимити:

Assistance services abroad

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

SourcePage 1

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

SourceClause 1.2Page 2

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

Source

Section: Често задавани въпроси

МПС трябва да е с "Българска регистрация". Автомобили без регистрация, както и изброените по долу не са част от обхвата на B2C продукта:

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

Source

Section: Често задавани въпроси

Тип на МПС, трябва да бъде: Автомобил или Автобус с брой места <=9 Мотоциклет или мотопед Товарен автомобил, Ремарке, ЕССМ с тонаж <=3,5 тона

No leasing vehicle restriction

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

Source

Section: Често задавани въпроси

∙ МПС не трябва да е лизингов – съществуващ контрол от ГО

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

Source

Section: Каско в чужбина

Ако застраховката е сключена при условията на специална договореност „Ремонт в чужбина“, възстановяването на всички частични увреждания по МПС може да бъде извършено на територията на държавата, в която е настъпило застрахователното събитие.

Claim notification timeframe

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

Source

Section: Уведомление за щета

В срок до 7 (седем) дни от узнаването, а при кражба и грабеж в срок до 24 (двадесет и четири часа).

Sources

DZI Casco (own-damage car insurance)

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