Generali
Generali is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
For repairs carried out in an authorised or trusted repair shop, Generali pays the repair costs directly to the repair shop after issuing a mandate letter. For pre-agreed repairs abroad, direct payment to the foreign repair shop is also possible.
Geographic scope
Bulgaria
Republic of Bulgaria, Europe and the entire territory of the Republic of Turkey. Theft of entire vehicle, robbery of entire vehicle, post-theft/robbery damage, and burglary theft of audio/navigation equipment are not covered in Russia, Ukraine, Belarus, Moldova, Georgia, Azerbaijan, Albania, Kosovo, and Bosnia and Herzegovina.
Unique selling points
- Four selectable coverage clauses from Минимално to Пълно Каско allow precise matching of protection scope and premium to vehicle value and individual risk appetite.
- Roadside assistance covering vehicle transport up to 300 km within Bulgaria and up to 7 days secured parking abroad is included at no extra charge in Частично, Разширено and Пълно Каско.
- Vehicles up to 3 years old are repaired at the manufacturer's authorised dealer network at no additional premium, guaranteeing OEM parts and factory-standard workmanship.
- Up to two top-up insurance renewals per policy year allow customers to restore the original insured sum after partial-loss payments, maintaining full protection throughout the annual period.
- Bonus discounts of up to 20% on renewal for claim-free years and discounts when combining Casco with MTPL reward loyal and safe drivers with meaningful premium savings.
Coverage limits
Own vehicle damage (accident/collision)
Conditional
Coverage for damage to the insured vehicle resulting from a road traffic accident (RTA), events during standstill or parking, or sudden opening of a bonnet or door. Available from clause Частично Каско upward. The insured sum is the upper limit of indemnity; actual vehicle value at the date of the event applies. Compensation paid in BGN.
Total loss
Conditional
A loss is declared total when the cost of necessary repair exceeds 70% of the actual value of the vehicle at the date of the event. Compensation is paid up to the actual value at the date of the event, minus previously paid unrestored indemnities and the salvage value of remaining parts determined by online tender. Insured must present a deregistration certificate before payment; if not presented, indemnity is capped at 70% of actual value. Available from clause Частично Каско upward.
Partial loss / partial damage
Conditional
Coverage for partial damage caused by covered risks. Repair method depends on vehicle age: up to 3 years in official or trusted service or by expert assessment; 3-5 years in official service (minimum premium required), trusted service or expert assessment; 5-10 years in chosen or trusted service or expert assessment; over 10 years in chosen or trusted service or expert assessment. Alternative or second-hand parts used in trusted services for vehicles over 3 years. Self-declaration events capped at 15% of insured sum per policy year. Road-defect damage capped at BGN 2,000 per event without official document.
Theft and robbery of entire vehicle
Conditional
Coverage for theft or robbery of the entire insured vehicle, damage found on the vehicle after recovery, and burglary theft of permanently installed audio/navigation equipment. Available only under clause Пълно Каско. Not covered in Russia, Ukraine, Belarus, Moldova, Georgia, Azerbaijan, Albania, Kosovo, or Bosnia and Herzegovina. For insured sum up to BGN 30,000 payment is within 3 months of claim; above BGN 30,000 within 6 months. Insured must surrender all keys, registration documents and sign a notarially certified power of attorney before payment.
Glass damage (windscreen and windows)
Conditional
Broken glass and damage to window lifters and door handle locks on stationary vehicles are referenced in the IPID as a separate item covered from Минимално Каско. Hail damage includes indirect wetting damage after glass breakage. Glass damage caused by collision is covered from Частично Каско upward. Damage from a burst or torn tyre on the insured vehicle is explicitly excluded.
Natural perils
Covered
Covered from Минимално Каско (base clause) upward. Covered perils: earthquake, flood, storm (wind above 15 m/s) or hurricane (wind above 30 m/s), lightning, hail, torrential rain, accumulation and sliding of snow and ice, geological landslide and earth subsidence, action of sea waves, and impact by objects propelled by natural disasters. Landslide or subsidence caused by construction works is explicitly excluded.
Vandalism and malicious acts by third parties
Conditional
Covered under clause Разширено Каско and Пълно Каско. Includes damage caused by third parties through mechanical impact (hitting with object, scratching, deliberate overturning), pouring of chemically active substances (acids, bases, etc.), arson and deliberate explosion. A mandatory 50% deductible applies for vehicles over 10 years old when third-party mechanical damage requires repainting more than three main body panels.
Roadside assistance (road help)
Conditional
Included when selecting clause Частично Каско, Разширено Каско or Пълно Каско. For RTAs in Bulgaria: specialised assistance company transports the vehicle to a location specified by the insured up to 300 km (full and empty mileage), at a cost not exceeding 10% of the vehicle insured sum. For RTAs abroad: costs of transporting the vehicle to the nearest workshop and parking on a paid car park for up to 7 days (where necessary and pre-agreed) are reimbursed up to a combined total of 10% of the insured sum at prices not exceeding average market rates in the country of occurrence.
Replacement vehicle
Not offered
A replacement vehicle is not mentioned as a covered benefit in the Generali Каско на МПС general conditions or IPID. Not covered under the standard product.
Driver accident insurance
Not offered
Driver accident coverage is not included in or mentioned as an add-on to the Generali Каско на МПС general conditions or IPID. It is offered as a separate standalone product.
Key conditions
Driver age and experience limit
No minimum driver age is stated in the base Каско на МПС general conditions. The Каско Избор special conditions (a packaged variant covering Пълно Каско for passenger cars and light commercial vehicles up to 1.5t) explicitly exclude vehicles owned by individuals under 26 years of age. For the standard base product no driver age restriction is mandated, but the insurer may set conditions in individual policies.
Repair network requirements
Repair method depends on vehicle age from date of first registration to policy start: up to 3 years in authorised dealer or trusted service or by expert assessment; 3-5 years in authorised dealer (requires minimum premium), trusted service or expert assessment; 5-10 years in chosen or trusted service (minimum premium for trusted) or expert assessment; over 10 years in chosen or trusted service or expert assessment. In trusted services for vehicles over 3 years, alternative or second-hand parts are used, with original parts only if alternatives unavailable. Repairs must not commence before Generali inspects and documents the damage.
Territorial scope
Coverage is valid in the Republic of Bulgaria, Europe, and the entire territory of the Republic of Turkey. Theft of entire vehicle, robbery of entire vehicle, post-theft/robbery damage, and burglary theft of audio/navigation equipment are excluded on the territory of Russia, Ukraine, Belarus, Moldova, Georgia, Azerbaijan, Albania, Kosovo, and Bosnia and Herzegovina.
Anti-theft requirements
For certain vehicle makes, models, or vehicles above a specified insured sum, Generali may require installation of an immobiliser and/or other protection system in a designated centre as a condition of cover, particularly for theft and robbery risks. If the required system was not installed, was removed, or was defective at the time of the event, theft/robbery cover is excluded. The insured must always leave the vehicle locked with all security systems activated and must not leave keys or registration documents inside the unattended vehicle.
Claim notification deadline
For theft or robbery of the entire vehicle: written notification must be submitted to the nearest Generali office within 24 hours of becoming aware of the event; the deadline does not run on non-working days and public holidays. For all other insured events: written notification within 3 working days of becoming aware of the event. For events abroad: notification by telephone and/or email at the first opportunity. All competent authorities (police, fire and emergency services, etc.) must be notified immediately.
Deductible rules
Deductibles are agreed in the individual policy. Mandatory special deductibles under the general conditions: (1) 50% self-participation for vehicles over 10 years old when third-party mechanical damage requires repainting of more than 3 main body panels; (2) 10% self-participation per event for passenger cars and light commercial vehicles up to 3.5 tonnes gross weight when a foreign repair indemnity exceeds EUR 1,500, except for events caused by a third party at fault; (3) 10% self-participation per event for all other vehicle types for any foreign repair, except events caused by a third party at fault. A deductible does not reduce the indemnity when Generali exercises its right of recourse against a known at-fault third party.
Documents
Policy specifics
Theft and robbery of entire vehicle
Coverage for complete theft or robbery of the insured motor vehicle
Fire and natural disasters
Coverage for damage due to fire, explosion, natural disasters and weather events
Partial damage and total loss coverage
Coverage for partial damage or complete loss of the insured motor vehicle due to covered risks
Accidents and collision damage
Coverage for damage to the vehicle resulting from traffic accidents or collisions
Deductible or self-participation
Fixed deductible or percentage deductible remains the responsibility of the insured in case of claim
Territorial scope of coverage
Insurance coverage valid on the territory of Bulgaria and may be extended to EU member states and Green Card Convention countries
Notification and claims procedure
Insured must notify insurer in writing within specific timeframe depending on type of claim event
Eligible motor vehicles
Insurance covers motor vehicles with permanent Bulgarian registration; may cover foreign registered vehicles under special conditions
Vehicle technical condition requirement
At conclusion of contract, motor vehicle must be in technically sound condition; insurer may refuse to insure if vehicle is in poor technical condition