Insurance Company Lev Ins AD
Лев Инс
Лев Инс is a motor casco insurance for the Bulgaria market with online purchase and 24/7 assistance.
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.
Geographic scope
Bulgaria and abroad (EU member states and Green Card member countries)
Base coverage valid for Bulgaria, EU member states and Green Card member countries. Theft, robbery and fire risks not covered abroad except for EU member states against additional premium. Vehicles with non-Bulgarian registration are covered only in Bulgaria unless otherwise agreed in writing.
Unique selling points
- 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.
- Up to 20% discount on CASCO for existing active MTPL policyholders of Lev Ins, with installment payment option for Clause 1 in up to 6 installments at no extra charge under the 'Valutno+' clause.
Coverage limits
Own Damage
100% of insured sum
Only in 1, 2, 3, 4, 5
Covers partial and total damage to the insured vehicle resulting from covered risks. Compensation is determined per the vehicle class (A–D) and repair methodology; capped at the insured sum (actual value). Total loss is declared when repair costs exceed 70% of the insured sum or the vehicle is irreparably damaged. Compensation is paid in BGN within 15 working days of submission of all required documents.
Total Loss
100% of insured sum
Total loss is declared when: (1) the vehicle is stolen or robbed; (2) repair costs exceed 70% of the insured sum/actual value; (3) the vehicle is economically unviable to repair; or (4) the vehicle is damaged beyond recovery. The insurer pays up to the actual value at the date of the event (not exceeding the insured sum). For vehicles with non-authentic chassis numbers, liability is capped at 80% of the insured sum. The insured sum reduces with each paid claim; the policy terminates if 80% of the sum is exhausted.
Partial Loss
100% of insured sum
Only in 1, 2, 3, 4, 5
Covers partial damage to the insured vehicle. Compensation is calculated based on the vehicle class (A through D) determined by the insured sum and age of the vehicle, and may be settled via expert assessment, invoices from authorized service centers, or cashless repair. A deductible (self-participation) agreed at policy inception is deducted. Aggregate claims events in parked conditions without a police report cannot exceed 75% of the paid premium.
Theft and Robbery of the Entire Vehicle
100% of insured sum
Only in 1, 4, 6
Covers theft (Art. 194 Penal Code) and robbery (Art. 198 Penal Code) of the entire motor vehicle, including damages from malicious acts on a vehicle found after theft. For vehicles with non-authentic chassis numbers, liability is capped at 80% of the insured sum. The risk 'theft/robbery' is not covered abroad except for EU member states against an additional premium (or free if the insured also holds a Lev Ins MTPL/Green Card for the same vehicle). All documents including full set of keys must be submitted. Not covered: theft of individual parts outside the vehicle cabin, theft while the vehicle was in third-party possession for repair/diagnostics.
Glass Damage
Covered
Only in 1, 2, 4, 5
Covered under road traffic accident risks (Clause 1, 2, 4, 5) and vandalism (Clause 1, 2, 4). Damage to glass, headlights and turn signals caused by a flying stone during vehicle movement does not require an official police report to claim. No separate sublimit stated; covered within the overall insured sum. Note: the insured has no right to a replacement vehicle for damage limited to lighting elements, body decorations, or glass only.
Natural Perils
100% of insured sum
Only in 1, 2, 3
Covers lightning strike, storm, hurricane, whirlwinds/tornadoes, hail, heavy rain, flooding, weight from natural accumulation of snow/ice, falling trees, branches, roofs and other objects resulting from the above natural events. Also includes fire, short circuit in electrical installation, explosion in the fuel tank, falling or collision from aircraft/objects falling from aircraft. Covered in Clauses 1, 2, and 3.
Vandalism and Malicious Acts of Third Parties
100% of insured sum
Only in 1, 2, 4
Covers malicious acts of third parties including pouring chemicals, acids, or bases on the vehicle; acts violating its integrity or appearance; arson; detonation; and vandalism per the Penal Code. In Clause 1 and 4 also includes total theft and robbery. In cases of intentional arson by third parties, the insured bears a 50% self-participation in the determined compensation. Covered in Clauses 1, 2, and 4.
Roadside Assistance and Repatriation
BGN 600
Covers reasonable and appropriate transportation/repatriation costs when the vehicle is damaged to the extent it cannot be driven under its own power. Per the Annex (Oct 2025): limit of 300 km (full and empty run), maximum BGN 600, upon presentation of original payment document from the carrier. Free 24-hour CASCO assistance (tire change, fuel delivery, power supply) is also available via toll-free hotlines 0800 15 333 (Bulgaria) and +359 800 10 200 (abroad) for events arising from covered risks (up to 200 km free roadside assistance). Optional 'CASCO Assistance Abroad' clause extends to Europe, Russia (European part) and Turkey, excluding Iceland, Greenland, Spitsbergen, Canary Islands, Madeira and the Azores.
Replacement Vehicle
BGN 500
Only in 1, 2, 4, 5
Per the Annex (Oct 2025): applies to passenger cars with insured sum over BGN 70,000, when the repair at an official brand service center or Lev Ins trusted service takes more than 5 working days from the date of vehicle acceptance. Provided for up to 15 calendar days but not exceeding the duration of repairs, with a total limit of BGN 500 (whichever condition occurs first). The insurer covers expenses after the insured presents an original invoice from a car rental company. The insured has no entitlement to a replacement vehicle for damage limited solely to lighting elements, body decorations, or glass.
Driver Accident Insurance
No limit stated
Driver/occupant accident cover is not part of the CASCO product described in these sources. Lev Ins offers a separate 'Accident Insurance for Occupants of Motor Vehicles' product. Not covered under this policy.
Key conditions
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.
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.
Territorial scope
Valid for Bulgaria, EU member states, and Green Card member countries. Theft, robbery and fire are excluded abroad (except EU member states against additional premium, or free if the insured also holds a concurrent Lev Ins MTPL/Green Card for the same vehicle). Foreign-registered vehicles are covered only in Bulgaria unless otherwise agreed in writing. The optional 'Kombinirano CASCO' (Combined CASCO) clause extends abroad coverage but excludes theft/robbery abroad unless explicitly authorized in writing by Lev Ins Head Office.
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.
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 info@lev-ins.com) or by calling the mobile unit at 0800 15 333 / 0800 10 200.
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.
Where to buy
Policy specifics
Theft and Robbery Coverage
100 percent control of theft risk with comprehensive protection against theft or robbery of the entire motor vehicle
SourceCASCO Assistance Abroad
Optional coverage providing assistance in Europe Russia European part and Turkey with roadside assistance on-site repairs transport or repatriation and emergency towing
SourceVehicle Inspection and Photographing
Mandatory vehicle inspection and photographing requirement within 7 days from conclusion of the insurance contract at designated inspection points
SourceSource no longer reachableInsured Amount Valuation and Limits
Insured amount cannot exceed actual vehicle value as of insurance conclusion date determined based on make model year engine capacity horsepower and other characteristics
SourceFree 24-Hour CASCO Roadside Assistance
Free 24-hour CASCO assistance including tire change, fuel delivery, power supply and up to 200 km free roadside assistance resulting from covered risks. Available 24/7 via toll-free hotline 0800 15 333 (Bulgaria) and +359 800 10 200 (abroad).
SourceAlarm and Immobilizer Requirements
For light and commercial vehicles up to 3.5 tons with insured value over BGN 2500 functioning alarm system and or immobilizer is required additional protective measures may be mandated for vehicles insured over BGN 15000
SourceReplacement Vehicle During Repairs
Replacement vehicle is provided when repairs in approved service exceed 5 working days and insured sum exceeds BGN 50000 provided for up to 15 calendar days or until repair completion limited to BGN 500
SourceGeographic Coverage Limitations
Base coverage valid for Bulgaria EU member states and Green Card member countries theft robbery and fire risks not covered abroad except for EU countries with supplementary premium
SourcePolicy Term and Renewal
CASCO insurance is valid for exactly 1 year from conclusion until 24 00 on the specified end date policies are typically automatically renewable unless cancelled
Source