Generali
Generali is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Generali pays compensation directly to approved repair shops within its trusted network. For costs paid out-of-pocket by the insured at non-network providers, the insured submits a claim and Generali reimburses. Insurer must inspect and approve damages before repair works commence for partial losses.
Geographic scope
Europe
Република България, Европа и цялата територия на Република Турция
Unique selling points
- Free roadside assistance up to 300 km is included upon a road traffic accident, with no additional premium required for this basic service.
- Coverage extends across all of Europe and the entire territory of Turkey as standard territorial scope, without requiring a paid extension.
- Fully online policy management: premium payment, policy renewal, claims registration, and self-inspection at damage available via the My Generali platform and mobile app.
- Attractive bonus-malus scale offering up to 20% renewal discount for claim-free policyholders, combinable with further discounts for lump-sum payment or multi-policy bundles.
- Wide trusted repair shop network with 24-hour assistance coordination centre, part of the Generali Group with IVASS-registered group supervision.
Coverage limits
Own vehicle damage
Covered
Coverage for direct material damages to the insured motor vehicle arising from road traffic accidents, impacts, damage during parking or standstill, fire and explosion, natural perils, and installation failures. Available under 'Partial Casco', 'Extended Casco' and 'Full Casco' clauses. The insured sum represents the maximum indemnity.
Total loss
Covered
Coverage for total destruction or loss of the insured motor vehicle when economic repair is not possible. Compensation is limited to the insured sum. Applies under 'Partial Casco', 'Extended Casco', and 'Full Casco' clauses. Losses from deprivation of use, depreciation, lost profit and indirect damage are excluded.
Partial damage
Covered
Coverage for partial material damages to the insured vehicle from road traffic accidents, damage during parking or standstill, sudden opening of a bonnet or door. Insurer must inspect and document damages before repair commences. Available under 'Partial Casco', 'Extended Casco', and 'Full Casco' clauses.
Theft and robbery of entire vehicle
Conditional
Coverage for theft or robbery of the entire insured vehicle, damages found on the vehicle after recovery following theft or robbery, and theft by break-in of permanently installed audio/GPS equipment. Available exclusively under the 'Full Casco' clause. Theft of individual parts, assemblies, instruments or accessories is excluded. Conversion (obsebyane) is excluded.
Glass damage
Covered
Broken glass and window lifters on the insured vehicle are listed as a specific condition covered even for vehicles not in active movement (stopped from traffic). Windscreen and glass breakage is covered under all casco clauses for vehicles with damaged locks, door handles or broken glass.
Natural perils
Covered
Coverage for damages caused by natural disasters (природни бедствия) and installation failures (авария на инсталации), included from the minimum 'Минимално каско' clause level upward. Fire and explosion are also included at all levels. Chemical contamination from industrial or other accidents is excluded.
Vandalism and malicious acts by third parties
Conditional
Coverage for malicious acts by third parties (злоумишлени действия на трети лица), including mechanical impact, scratching, deliberate overturning, chemical substance damage, arson and deliberate damage. Available exclusively under 'Extended Casco' (Разширено каско) and 'Full Casco' (Пълно каско) clauses.
Roadside assistance
Optional
Free roadside assistance up to 300 km distance is provided upon road traffic accident. Full 24/7 roadside assistance for Bulgaria is available as a separate add-on insurance product ('Автомобилен асистанс за България') with three package levels: Standard (up to 450 BGN per event), Mega (up to 1100 BGN), and Lux (up to 1600 BGN). Services include towing, flat tyre change, fuel delivery, battery jump-start, and parking for damaged vehicle.
Replacement vehicle
Optional
A replacement vehicle is not included as a standard benefit within the Casco policy itself. It may be provided as part of the 'Автомобилен асистанс за Европа' add-on product in case of accident, technical failure, vandalism, theft or robbery abroad. No explicit replacement vehicle clause found in the base Casco policy terms.
Driver and occupant accident cover
Optional
Personal accident coverage for the driver and occupants of the vehicle ('Злополука на лица в превозни средства') is offered as a separate voluntary insurance product by Generali Bulgaria, not as part of the base Casco policy. It can be bundled alongside Casco as part of the 'Автогрижа' package.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in the IPID or General Terms. Discounts apply for vehicle owners aged over 40 years (5% discount). No loading or exclusion specifically for young or inexperienced drivers is documented in the official policy documents reviewed.
repair_network_requirements
Generali operates a wide network of trusted repair shops. The insured must not commence repair works before the insurer has inspected and documented the damages. After repair, the insured must present the vehicle for a post-repair inspection for partial damages. The insurer may require the insured to indicate the exact location of the event and accompany an insurer representative.
territorial_scope
The insurance is valid on the territory of the Republic of Bulgaria, Europe, and the entire territory of the Republic of Turkey.
anti_theft_requirements
The insured must maintain the installed security system in good working order. Keys, locking devices (including electronic cards, flash memory, chips), and remote controls must not be left in the unattended vehicle. In case of loss or theft of keys or locking devices, the insured must immediately take all necessary measures to protect the vehicle and replace the locking mechanisms at their own expense, then present the vehicle for inspection by the insurer. Specific anti-theft device requirements (alarm, immobiliser, GPS tracker) may be set by the insurer depending on vehicle make and model.
claim_notification_deadline
For theft or robbery of the entire vehicle: written notification to the insurer required within 24 hours of discovery (deadline does not run on non-working days and public holidays). For all other insured events: written notification within 3 working days of discovery. The insured must also immediately notify all competent authorities. No repair works may begin before the insurer has inspected and documented the damages.
deductible_rules
A deductible (franchise/self-participation) may be agreed in the insurance policy. The amount and type of deductible are specified per policy. It applies per claim event. The deductible can be unconditional (the insured bears up to a fixed amount from every claim) or conditional (the insurer pays the full amount if it exceeds the agreed threshold). The specific deductible amount is not published as a standard figure and varies by policy.
Where to buy
Policy specifics
Theft of entire vehicle
Coverage for complete theft or robbery of the insured motor vehicle, available exclusively under the 'Full Casco' (Пълно каско) clause. Theft of individual parts, assemblies, instruments or accessories is excluded.
Partial damage from collision
Coverage for direct material damages from road traffic accidents, impacts during standstill or parking, and sudden opening of a bonnet or door. Available from the 'Partial Casco' clause level upward.
Total loss of vehicle
Coverage for total destruction or loss of the insured motor vehicle when repair is not economically viable. Compensation is limited to the insured sum.
Assistance services in Bulgaria
Free roadside assistance up to 300 km is included upon road traffic accident. Full 24/7 roadside assistance for Bulgaria is an optional add-on product with three coverage levels (Standard up to 450 BGN, Mega up to 1100 BGN, Lux up to 1600 BGN per event).
Territorial scope of coverage
Insurance coverage is valid on the territory of the Republic of Bulgaria, Europe, and the entire territory of the Republic of Turkey.
Claim notification timeframe
The insured must notify the insurer within specific timeframes depending on the type of claim: within 24 hours for theft or robbery of the entire vehicle; within 3 working days for all other insured events.
Vehicle security and maintenance requirements
The insured must maintain the vehicle in good technical condition and keep the installed security system in working order. Keys, locking devices (including electronic cards, flash memory, chips), and remote controls must not be left in the unattended vehicle. In case of theft or loss of keys/locking devices, the insured must immediately replace the locking mechanisms at their own expense and present the vehicle for inspection.
Vehicle ownership transfer notification
The insured must notify the insurer in writing within seven days if the ownership of the insured vehicle is transferred.
Repair inspection and approval
The insurer must inspect and document the damages before repair works commence for partial damages. The insured must cooperate with the insurer for inspection and post-repair checks.
Deductible / Self-participation
A deductible (franchise) may be agreed in the insurance policy. The amount and type are specified per policy and apply per claim event. Can be unconditional (insured bears up to a fixed amount per event) or conditional (insurer pays the full amount if it exceeds the agreed threshold).