DZI
DZI is a motor casco insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
DZI pays claims directly to the repair workshop when using the Trusted Workshop or Official Workshop special arrangements. Under the Expert Assessment arrangement, the insured receives a monetary indemnity. Assistance services abroad for RTA events under Full Casco and Super clauses are paid directly to the Assistance Company by DZI. For partial losses outside Bulgaria, an advance payment for provisional repair up to 10% of the insured sum is available.
Geographic scope
Bulgaria and Green Card member states / EU member states
Bulgaria, EU member states, and all Green Card member states. Theft/robbery, fire/explosion from technical failure, and arson/explosion not covered in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina, and non-European Green Card states except Turkey.
Unique selling points
- Full Casco and Super clauses include complimentary roadside assistance services both in Bulgaria and abroad for RTAs at no additional premium, a benefit competitors often charge extra for.
- Policy can be purchased, managed, and renewed entirely online including electronic identification, digital policy signing, instalment payments, and online claims notification, available 24 hours a day 7 days a week.
- DZI, Bulgaria's oldest insurer and part of the Belgian KBC Group, was awarded Best Digital Insurance Company Bulgaria at the Global Insurance Innovation Awards 2025, evidencing market-leading service quality.
- Flexible choice of repair channel at claim time: Official Workshop at authorised dealer, Trusted Workshop at a DZI-agreed garage, or Expert Assessment for cash indemnity, adaptable to vehicle age and client preference.
- Optional Repair Abroad add-on for vehicles up to 8 years old enables full partial-damage repair in the country where the event occurs, eliminating the need to return to Bulgaria for workshop repairs.
Coverage limits
Own Damage (Partial and Total Loss)
Covered
Covers partial damage and total loss of the insured vehicle caused by covered risks under the Super, Full Casco, or Total Loss clauses. The insurer's liability is up to the insured sum but not more than the actual value of the vehicle at the time of the insured event.
SourceTotal Loss
Covered
Total loss is declared when the cost of repair exceeds 70% of the actual value of the vehicle at the date of the insured event. The insurer pays the insured sum or its remainder less the value of salvageable parts, but not more than the actual value at the time of loss. For vehicles up to 3 years from production date, DZI may offer to pay the full insured sum upon transfer of ownership.
SourcePartial Loss
Covered
Covers partial damage to the insured vehicle from covered perils. Indemnity is determined by expert assessment per DZI methodology, or by original expense documents under the Trusted Workshop or Official Workshop arrangements. For losses documented only by written declaration, indemnity is capped at 10% of the insured sum per event and 20% in total over the policy period.
SourceTheft and Robbery of Entire Vehicle
Covered
Covers theft and robbery of the entire vehicle. Partial theft of components is not covered under this clause alone. The insurer pays the insured sum or its remainder, not exceeding actual vehicle value at date of loss. Not covered in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina, and non-European Green Card states except Turkey. Vehicle must have a functioning alarm or immobiliser.
SourceGlass Damage
Conditional
Glass damage is covered as part of partial damage under the Super and Full Casco clauses when caused by a covered peril such as RTA, vandalism, or natural perils. There is no standalone glass damage clause explicitly named or separately limited in the policy documents.
SourceNatural Perils
Covered
Covers storm (wind above 15 m/s), hurricane (wind above 30 m/s), hail, flood, landslides, accidental falling of branches or trees due to listed natural perils, fire or lightning from natural perils, heavy snow or ice accumulation, falling ice or snow masses from weather changes, sea waves, volcanic action, and infrastructure accidents such as burst water, gas or electrical pipes. Also covers fire and explosion from technical failure during rest or movement.
SourceVandalism (Malicious Acts of Third Parties)
Covered
Covers damages caused by third parties through mechanical impact such as hitting with a hard object, scratching, or deliberate overturning of the vehicle, or by pouring chemically active substances. Under Full Casco clause, deliberate arson or explosion of the vehicle is also covered. Arson and explosion not covered in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina.
SourceRoadside Assistance (Bulgaria and Abroad)
Covered
Included at no additional premium with Full Casco and Super clauses. In Bulgaria: towing up to 2 times per policy year, total mileage capped at 300 km for both events combined, plus road information services. Abroad for RTA only: roadside repair or towing up to 250 EUR, crane extraction up to 500 EUR, replacement driver up to 250 EUR, replacement vehicle category A max 48 hours up to 250 EUR, vehicle repatriation to Bulgaria up to 1500 EUR total liability, vehicle abandonment abroad up to 500 EUR, spare parts delivery, advance payment for provisional repair up to 1000 EUR. Unlimited trips abroad, each up to 90 consecutive days.
SourceReplacement Vehicle (Abroad, RTA only)
Conditional
If as a result of an RTA abroad the insured vehicle is immobilised for more than 8 hours and repairs cannot be completed within 48 hours, DZI covers the cost of a category A rental vehicle for a period not exceeding 48 hours up to 250 EUR. Fuel and motorway tolls are excluded. Only available under the assistance services abroad component of Full Casco and Super clauses.
SourceDriver Personal Accident
Excluded
Personal accident coverage for the driver is not included in the Casco+ policy. DZI offers a separate Accident Insurance for Persons in Motor Vehicles as a standalone add-on product that can be combined with Casco+, but it is not part of the Casco+ coverage itself.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in the General Terms and Conditions or the IPID. Coverage exclusions apply when the driver does not hold a valid driving licence for the relevant vehicle category, or has been deprived of the right to hold a licence by court or administrative order.
repair_network_requirements
Three repair arrangements are available. First, Official Workshop covers repairs at the authorised dealer of the vehicle brand, available for vehicles up to 4 years old, or up to 8 years for passenger and freight cars up to 3.5 tonnes with insured sum above 10000 BGN at extra premium. Second, Trusted Workshop covers repairs at a workshop agreed with DZI, limited to 2 undocumented claims per year for vehicles over 8 years old owned by natural persons unless extra premium is paid. Third, Expert Assessment provides monetary indemnity based on DZI methodology with a premium discount. Without a special arrangement, indemnity defaults to expert assessment.
territorial_scope
Republic of Bulgaria, all EU member states, and all Green Card agreement member states. Theft and robbery, fire and explosion from technical failure, and arson and explosion are not covered in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina, and non-European Green Card states except Turkey. Roadside assistance abroad covers all EU and Green Card states except Bulgaria, limited to 90 consecutive days per trip.
anti_theft_requirements
For passenger and freight vehicles up to 3.5 tonnes insured under Theft and Robbery, Full Casco, or Total Loss clauses, the policyholder is obliged to install an alarm with light and sound signalling or an immobiliser. DZI may additionally require installation of further security devices at authorised firms specified in the policy. Coverage for theft and robbery risks does not apply until the required additional security devices are installed. All locking mechanisms and activation devices must be provided to DZI upon inspection and upon a theft claim.
claim_notification_deadline
For theft or robbery of the entire vehicle, notify DZI and competent authorities within 24 hours of becoming aware. For all other insured events, submit a written claim within 7 days of becoming aware of the event. For RTA abroad, notify DZI on the policy telephone number within 3 working days. DZI pays indemnity within 15 working days from the date all required documents have been submitted.
deductible_rules
A deductible can be agreed for Super and Full Casco clauses. The policyholder then pays a reduced premium per DZI tariff and the agreed deductible amount is subtracted from every indemnity payment. An Advance Bonus arrangement is also available under Super and Full Casco for passenger vehicles up to 16 seats and freight vehicles up to 3.5 tonnes: DZI grants an upfront premium discount, but if a claim arises the advance bonus amount becomes due and may be offset against the indemnity. For repairs abroad of heavy freight vehicles above 3.5 tonnes, trailers, and buses above 16 plus 1 seats, a mandatory deductible of 1000 EUR applies per claim where planned repair exceeds provisional minimum.
Where to buy
Documents
Policy specifics
Assistance Services Abroad
Coverage for assistance services abroad, specifically for road traffic accidents (RTA) when using Full Casco or Super clause
Assistance Services on Bulgarian Territory
Coverage for roadside assistance and support services within Bulgaria territory
Repair Abroad - Special Condition
Optional special agreement allowing partial damage recovery in the country where the insured event occurred instead of requiring return to Bulgaria
Vehicle Inspection
Mandatory vehicle inspection and documentation by DZI representative before policy conclusion
Claim Notification Timeline
Within 7 days of becoming aware of the event; within 24 hours for theft and robbery cases
Geographical Coverage Exclusions
Coverage not provided for theft/robbery and fire damages in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina, and certain other territories
Premium Payment Options
Insurance premium can be paid in single payment or installments according to policyholder choice