Euroins Casco (own-damage car insurance) (Kasko Na Mps)

Three selectable base clauses (A Full CASCO, B Partial CASCO, C Fire and Natural Disasters) plus optional add-ons provide modular coverage rather than a single fixed package.

Policyholder locks in the preferred compensation method at policy inception - authorised dealer repair, insurer trusted workshop with direct payment, or expert cash valuation - providing predictable claims handling.

Policy renewal without mandatory vehicle inspection for factory-new vehicles and for renewals without interruption in coverage.

Upon request, coverage can be extended from its Bulgaria-only base to all EU member states, Serbia, North Macedonia, Switzerland and Turkey, avoiding the need for a separate international policy.

Driver age and experience limit

No minimum driver age or minimum experience period is stated in the General Terms and Conditions. Coverage is fully excluded for any damage occurring while the vehicle is driven by an unqualified driver, defined as a person who does not meet statutory minimum age requirements, has not completed the required training, does not hold a valid driving licence of the relevant category (including where the licence has been temporarily seized or revoked), or has lost their licence through forfeiture of all penalty points.

Section: II. ОПРЕДЕЛЕНИЯ

„Неправоспособен водач“ е всяко лице, което управлява моторно превозно средство (МПС): а) без да отговаря на нормативните изисквания за минимална възраст или без да е провело съответното обучение...

Repair network requirements

The compensation method for partial losses is selected at policy inception and cannot be renegotiated. Three methods are available: (1) Official service: compensation based on invoice from a manufacturer-authorised service centre in Bulgaria; repaired vehicle must be presented to the insurer for inspection. Per the insurer's website, this option is available for vehicles up to 3 years old. (2) Trusted service: the insurer engages its contracted repair shop with the insured's consent and pays directly; the insurer may refuse this method if the claim is not proven or the full premium for the current period is unpaid. (3) Expert valuation: cash payment to the insured based on expert assessment.

Section: IV. ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ > Обезщетяване при частични щети

Начинът на обезщетяване при частични щети се определя в застрахователния договор при неговото сключване и не подлежи на предоговаряне.

Anti-theft requirements

Coverage for unlawful taking of the entire vehicle under Clause A does not apply if: (1) the vehicle was left unlocked; (2) any part of the registration certificate and/or any key, electronic card or other device for starting the engine, disabling security systems or unlocking the doors was left in or near the vehicle and taken with it; (3) the vehicle was not equipped with the additional security device of the type required by the insurer, or such a device was present but disabled, including due to lack of a service contract with the installer, loss of power supply, or technical malfunction. The policy's 'Предписание № 4' further requires that if a key or card is lost or stolen, the insured must immediately take all reasonable protective measures and promptly replace or re-code the device.

Section: V. ИЗКЛЮЧЕНИЯ ОТ ЗАСТРАХОВАТЕЛНОТО ПОКРИТИЕ > Специални изключения

Застрахователят не дължи обезщетение за противозаконно отнемане на цялото превозно средство, ако при извършване на деянието: 1. превозното средство е било оставено отключено;

Claim notification deadline

Upon occurrence of an insured event the insured must notify the competent authorities immediately and notify the insurer within 24 hours of becoming aware in the case of theft or robbery, or within 3 working days of becoming aware in all other cases. Failure to notify within the deadline, where the insurer has no grounds to refuse payment, results in a 25% reduction of the compensation. The insured must also preserve the vehicle in its post-event condition and retain all parts until the insurer's inspection.

Section: Права и задължения на застрахования и застраховащия

уведоми Застрахователя в срок: а) 24 часа от узнаването – ако събитието е свързано с кражба или грабеж; б) три работни дни от узнаването – в останалите случаи.

Deductible rules

Unless otherwise agreed, the insured bears an unconditional deductible of: (1) 10% of the insured sum for each damage caused by arson or explosion; (2) BGN 600 for each damage not caused by arson or explosion if the insured vehicle is used for taxi transport services. No mandatory deductible is prescribed in the General Terms for other cases, though specific deductibles may be agreed in the policy. Compensation is also reduced by any amounts received from another insurer or third parties, by any unpaid premium for the current period, and by 25% if the insured fails to notify within the required deadline without the insurer having grounds to refuse.

Section: VI. ЗАСТРАХОВАТЕЛЕН ДОГОВОР > Самоучастие

Освен ако е уговорено друго, застрахованият има безусловно самоучастие в размер на: 1. 10 % от застрахователната сума за всяка вреда, причинена от палеж или взривяване; 2. 600 лв. за всяка вреда, която не се дължи на палеж или взривяване – ако застрахованото превозно средство се използва за извършване на таксиметрови превози.

Direct payment

In the trusted service (доверен сервиз) method, the insurer engages its contracted repair shop with the insured's consent and pays the repair costs directly to the shop. In the official service method, the insured pays the authorised dealership and is reimbursed upon presenting the invoice. In the expert valuation method, a cash payment is made to the insured based on an expert assessment.