DZI - General Insurance EAD / DZI - Life Insurance EAD
DZI
DZI is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
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.
Geographic scope
Republic of Bulgaria and internationally
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.
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 Belgium, has over 75 years of history in Bulgaria, serves more than 800,000 clients, and has received 8 Insurer of the Year awards.
Coverage limits
Own damage – partial and total
Conditional
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.
Total loss
Covered
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.
Partial loss / partial damage
Conditional
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.
Theft and robbery of whole vehicle
Conditional
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 permanently installed multimedia equipment is additionally covered up to 5% of the insured sum. Theft or robbery is not covered if the vehicle was left unlocked, with engine running, or with security devices disabled or absent.
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.
Natural perils
Conditional
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.
Vandalism and malicious acts by third parties
Conditional
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.
Roadside assistance in Bulgaria and abroad
€300
Included at no extra premium with Full Casco and Super clauses. Bulgaria: free towing up to 300 km total for up to 2 events per policy year 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.
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.
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+.
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.
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.
Documents
IPID – Casco Insurance Product Information Document (DZI)
ipid
General Terms and Conditions – Casco+ and Roadside Assistance Insurance (Bulgarian, effective 27.07.2023)
terms_and_conditions
General Terms and Conditions – Casco+ and Roadside Assistance Insurance (English translation, 2018 version)
terms_and_conditions
Policy specifics
Assistance services in Bulgaria
Free-of-charge roadside assistance and technical support services provided within Bulgaria upon insured events
SourceAssistance services abroad
Assistance services provided in case of road traffic accident abroad, covering EU member countries and National Bureaux territories
SourceVehicle damage coverage
Coverage for partial and total damage to motor vehicles, including theft and robbery of whole vehicle depending on selected clause
SourceBulgarian vehicle registration requirement
Insurance applies exclusively to motor vehicles with permanent Bulgarian registration plates
SourceEligible 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
SourceNo leasing vehicle restriction
Leasing vehicles (with financing through leasing arrangements) are not eligible for standard online B2C Casco+ insurance
SourceRepair 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
SourceClaim notification timeframe
Claims must be reported within specific timeframes: 7 days from occurrence/knowledge of standard events, 24 hours for theft/robbery
Source