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

Covers direct material damages caused by a road accident under Clause A (Full CASCO). Damages caused in accidents documented only by a bilateral statement without a police report are excluded. Not covered under Partial CASCO Clause E or Clause K. The insured sum is set at the actual market value of the vehicle at the time of the insured event.

In the event of total loss, indemnification is paid at 100% of the actual value of the vehicle at the date of the insured event. Self-participation (deductible) does not apply in the case of total loss. Covered under Clause A (Full CASCO).

Covers partial damage to the insured vehicle under Clause A (Full CASCO) and Clause K (Partial CASCO). The policy covers both total loss and partial damage according to the policy conditions and applicable risk clauses.

Covers theft and robbery of the entire vehicle under Clause A (Full CASCO) and Clause K (Partial CASCO). Also covers partial damages caused during a break-in theft or attempted theft. Self-participation does not apply in the case of theft. Under special conditions Clause M, theft by break-in of factory-installed or additionally installed audio equipment is covered up to 10% of the insured sum. Not covered under Clause E.

Covers damages to vehicle glazing under Clause A (Full CASCO). Self-inspection of damage is available for broken glass cases without requiring a full inspection appointment.

Covers damages from natural disasters including floods, lightning, torrential rain, storms, hurricanes, landslides and collapses, weight of snow or ice, and avalanches. Hail risk is included under Clause A (Full CASCO) but is EXCLUDED under Clause E (Basic Partial CASCO). Damages caused by unknown perpetrators and falling objects are also covered.

Damages caused by unknown perpetrators including vandalism and malicious acts by third parties are covered under Clause A (Full CASCO). Payment of compensation without documentation is available in the case of damage in parked condition.

Available as an option for car assistance in Bulgaria and abroad, covering: fuel delivery up to 10 litres when the vehicle runs out of fuel on the road (valid in Bulgaria); repatriation of electric vehicles to the nearest charging station in case of battery discharge while on the road; parking/garage and hotel in Bulgaria or abroad if needed; repatriation in case of misfuelling in Bulgaria; repatriation in case of an insured event in Bulgaria or abroad; repatriation in case of an accident in Bulgaria; and on-site repair in Bulgaria or abroad.

Free replacement vehicle is provided for the period the insured vehicle is being repaired at a UNIQA trusted workshop. The replacement vehicle is of the same class as the insured vehicle at the insurer's expense. The repaired vehicle is returned within 3 days of being handed over to the repair shop. Quality control is performed after completion of the repair.