Auto Casco insurance

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What is Auto Casco insurance?

Auto Casco is a voluntary insurance for all types of land vehicles equipped with an engine, including trailers and semi-trailers attached to them. The insurance covers various risks that lead to damages to motor vehicles. The difference with the third party liability insurance is that it does not matter if the damages were caused by another driver or the driver of the insured car.

Why order from us?

We will provide an individual solution for your car, which includes an excellent offer, maximum protection, delivery of the concluded policy and transportation of the car for inspection and repair of the damages at a car repair station, as well as optimum assistance in the event of a road accident and a damage on the Auto Casco insurance.

Risks covered

The full Auto Casco insurance covers damages resulting from:

Road accidents, including parked car damages;
Natural disaster - hail, flood, fire, etc.;
Motor vehicle theft;
Motor vehicle robbery;
Fire occurring during the operation of the motor vehicle;
Vandalism - malicious acts by third parties, such as breaking, scratching, punching.

Auto Casco insurance can also be taken out at a lower price. In this case only part of the risks listed above are covered.

Territorial coverage

The Auto Casco insurance is valid on the territory of the Republic of Bulgaria. Coverage may also be extended to other countries (EU Member States and member states of the Agreement on the Green Card system - Turkey, Albania, Bosnia and Herzegovina, Ukraine, Macedonia, Montenegro, Belarus, Moldova, Russia, Israel, Morocco, Iran, Tunisia), as the different insurers have different conditions for this.

Conclusion and price

The insurance period is one year, with options for a one-time payment or up to 4 installments. To determine the price of an Auto Casco insurance, the following factors are taken into account:

Age of the car;
Make and model of the car;
Presence of previous damages;
Number of seats;
Territorial coverage.

Limited Casco

Car insurance does not have to be expensive. There are so-called limited or package offers, which are usually valid for the cheaper, widely used cars. These types of products cover damage resulting from accidents or malicious acts by third parties, as well as theft. The advantage of the limited Auto Casco is the lower customer price.

Requirements for the conclusion of Casco:

Most insurers require that the car have an alarm and/or another means of protection - immobilizer, and also that the motor vehicle undergo inspection and the taking of pictures in order for the insurance to take effect.

Questuions and Answers

If you want to receive a price offer, please use the enquiry form above.

A prerequisite for the continued validity of the policy is to notify the insurer in the following cases: Change of colour, structural changes to the car, placement of advertising or other type of foil, tuning. The same applies where the ownership or the registration number change. Usually, the notification must take place within seven days.

If during the contract period you repair damages that were described during the initial inspection or those that occurred during the contract period and in respect of which you have received compensation, keep in mind that some insurers require you to show up for another inspection.

Should the new owner wish to continue this contract, he/she must notify the insurer in writing within 7 days of the change of ownership. In this case, an annex will be issued and will become an integral part of the policy until its expiry. Most insurance companies require the car to undergo repeated inspection and taking of pictures.

The other option is for the old owner to request termination of the contract within 7 days of the sale.

Do not forget about the inspection, as well as to inform the insurer in a timely manner of any significant changes related to the car, and where the ownership or the registration number change.

Observe strictly the deadlines for making a claim for damages pursuant to the various clauses in the General Terms and Conditions.

Observe the validity of your technical inspection. If it has expired, this is a prerequisite for being denied compensation.

Do not allow for minor damages/parked car damages, such as scratches, to accumulate. Observe the deadlines and the guidelines described in the General Terms and Conditions.

Be careful when completing the documents and in particular the “Proposal” document. It requires you to identify the number of alarm remote controls and keys available. You need to fill in the fields accurately, because in the event of a theft, you will be required to provide as many remote controls and keys as you have identified in the proposal.

Never leave your car documents (certificates) or keys in the car, because you must present them in the event of theft.

Learn more in our blog

The validity of the insurance outside Bulgaria depends to a large extent on the insurance company selected. Some insurers include the “abroad” coverage in the insurance for free when certain conditions are met, such as having third party liability insurance in the same insurance company. Others require an additional agreement and a corresponding payment in order for the Auto Casco insurance to be valid outside Bulgaria.

It is also important to know the General Terms and Conditions of the policy, which identify the countries in which the Auto Casco insurance is valid - for some of the insurers these are the EU countries, others include EEA countries (Iceland, Liechtenstein, Norway, Andorra, Switzerland and Serbia).

We also recommend that you know the risks in respect of which the foreign coverage applies - their coverage is often more restricted than the coverage of risks on the territory of Bulgaria, but if you wish to include additional risk - for example, “roadside assistance”., this can be arranged for an additional payment.

Most insurers provide free road assistance in the event of a road accident on the territory of the Republic of Bulgaria up to certain kilometers, specified in the General Terms and Conditions. Moreover, some insurance companies offer roadside assistance in the event of an accident for an extra charge, as well as roadside assistance due to a road accident abroad.