Lev Ins Casco (own-damage car insurance) (Motor Casco)

100% theft risk control using the Israeli model: additional security devices (GPS, immobilizers) installed free of charge for insured vehicles from high-risk makes/models with insured sum over BGN 7,000.

Free 24/7 CASCO roadside assistance – tire change, fuel delivery, battery jump-start and up to 200 km free towing due to covered risks, available via toll-free hotlines 0800 15 333 (Bulgaria) and +359 800 10 200 (abroad).

Broad multi-clause product with 6 selectable risk clauses – from full 'All Risks' (Clause 1) to standalone theft (Clause 6) – plus optional combined abroad coverage, currency clause and terrorism clause, providing maximum flexibility for different needs and budgets.

Cashless repair ('bezkasen remont') available at Lev Ins trusted service centers with direct payment by the insurer, and mobile app-based claim filing for CASCO policyholders.

Driver age and experience limit

No specific driver age or experience restriction is stated in the CASCO general terms and conditions. The policy excludes coverage when the vehicle is driven by an unlicensed driver or without a valid license for the respective vehicle category. Driving with an expired license is not considered unlicensed driving.

Section: ІХ. ОБЩИ ИЗКЛЮЧЕНИЯ

Не се счита за неправоспособен водач, чието свидетелство за управление на МПС е с изтекъл срок;

Repair network requirements

Repairs may be carried out in: (1) official brand service centers (Class A vehicles); (2) a service center chosen by the insured, subject to the insurer's right to reject invoices if the agreed premium is below BGN 475; (3) a Lev Ins trusted ('doveren') service center via cashless repair ('bezkasen remont') on written authorization. The insurer may refuse to issue authorization letters for premium below BGN 475. Repairs abroad (under Kombirano CASCO clause) are covered for temporary repairs up to 20% of the insured sum sufficient for the vehicle to return safely under its own power.

Section: Х. ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ

по предоставени фактури, издадени от автосервиз, избран от Застрахования, като Застрахователят си запазва правото да не уважи такива, отразяващи възстановителни дейности на МПС, в случай че уговорената застрахователна премия е под 475,00 (четиристотин седемдесет и пет) лева;

Anti-theft requirements

Per the Annex (Oct 2025), t.19.1: passenger and commercial vehicles up to 3.5 tonnes with insured value over BGN 2,500 insured under Clause 1, 4 or 6 must have a functioning alarm system and/or immobilizer. t.19.2: vehicles with insured sum of BGN 7,000 or above insured under Clause 1, 4 or 6 from specific makes/models listed in the proposal must additionally be equipped with another supplementary protection device (GPS, immobilizer, etc.) installed at Lev Ins-designated service centers at the insurer's expense. Factory-installed systems must be technically sound and functioning; they must be activated when the vehicle is unattended. Loss of keys or alarm/immobilizer control device constitutes a change in risk circumstances that must be reported to the insurer.

Section: 1. Раздел VI СПЕЦИАЛНИ ИЗИСКВАНИЯ

За леки и товарни автомобили с общо тегло до 3,5 тона, със застрахователна стойност над 2 500,00 лева / 1 278,23 евро, застраховани по клауза ”1”,”4” или ”6”, се изисква функционираща алармена система и/или имобилайзер.

Claim notification deadline

For theft and robbery risks: notify the insurer immediately but no later than 24 hours from the day of learning of the event. For all other insured events: no later than 5 working days from the day of learning of the event. If the event occurred in a parking area, notify the insurer immediately but no later than 24 hours. Notification must be made in writing by completing and submitting the 'Notice of Insured Event' form (in person or by fax/email [email protected]) or by calling the mobile unit at 0800 15 333 / 0800 10 200.

Section: V.ОСНОВНИ ЗАДЪЛЖЕНИЯ НА СТРАНИТЕ ПО ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР

да уведоми ЗАСТРАХОВАТЕЛЯ незабавно, но не по-късно от 24 часа, считано от деня на узнаване на застрахователно събитие по рисковете „Кражба” и „Грабеж”, а за всички други застрахователни събития – най-късно до 5 (пет) работни дни, считано от деня на узнаването им.

Deductible rules

A deductible (samouchasie/self-participation) is agreed at policy inception and is deducted from every calculated compensation. In cases of intentional arson by third parties, the insured bears a 50% self-participation of the determined compensation. Aggregate insurance payments during the policy period cannot exceed the insured sum. The insured sum decreases with each paid claim; the policy terminates if 80% of the sum is exhausted. Total loss claim is paid after the vehicle is surrendered to the insurer (or a deduction is made for salvage). If more than 3 claims are filed under one policy without re-insurance (additional premium), proportional deduction (per Art. 22) applies to each subsequent claim.

Section: Х. ЗАСТРАХОВАТЕЛНО ОБЕЗЩЕТЕНИЕ

С изплащане на всяко застрахователно обезщетение застрахователната сума намалява, като при изчерпване на 80% от нея застрахователния договор се прекратява.

Direct payment

The insurer may settle claims directly with approved repair shops via cashless repair ('bezkasen remont') upon written authorization. The insured may also submit invoices from their chosen service center, provided the agreed premium exceeds BGN 475. Compensation is paid in BGN within 15 working days of receiving all required documents.