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

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.

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.

Section: Специални условия за застраховка „КАСКО ИЗБОР“ > Какво не застраховаме?

✘ МПС, собственост на физически лица на възраст до 26 години;

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.

Section: Раздел IХ. Как определяме застрахователното обезщетение? > Какви са начините да Ви обезщетим при частична щета на МПС?

Обезщетяванието при частична щета може да е по един от следните начини, избран от Вас и в зависимост от възрастта на застрахованото МПС:

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.

Section: Раздел VI. Как сключваме застраховката? > Какви са нашите права преди да сключим застраховката?

изискаме от Вас да монтирате имобилайзер и/или друга система за защита за определени марки и модели МПС или за МПС над определена застрахователна сума, в посочен от нас център.

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.

Section: Раздел VIII. Какви са Вашите и нашите задължения? > Какви са Вашите задължения при застрахователно събитие?

ни уведомите в рамките на 24 часа от узнаването за кражбата или грабежа на МПС, като подадете писмено уведомление в най-близкия офис на „Дженерали Застраховане“ АД.

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.

Section: Раздел IV. Как определяме застрахователната сума за Вашето МПС? > В кои случаи ограничаваме отговорността си?

Самоучастието е форма на Ваше лично участие в поемането на риска при настъпване на застрахователно събитие. Ние намаляваме размера на дължимото от нас обезщетение със сумата на самоучастието.

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.