Automobile
Motor vehicle comprehensive insurance CASCO
Object of insurance:
Under this insurance, we insure technically sound land motor vehicles (excluding rail vehicles) moving with their own engine and added trailers and semi-trailers attached to them, intended for traffic on roads, as well as agricultural, forestry and construction machinery, intra-plant transport and other special-purpose wheeled and tracked machines registered under Bulgarian legislation.
Information about product
The risks we cover under this insurance are:
Clause "Minimum comprehensive insurance"
Under this clause, we cover damages resulting from the following insured events:
natural disasters: storm, hurricane, hail, flood from a natural disaster, landslide or collapse of earth layers, volcanic activity, damage due to gravity due to natural accumulation of snow and/or ice, due to heavy snowfall, damage from falling avalanche, as and damage from falling branches, trees and other objects, which fall is caused by natural disasters;
fire and/or explosion as a result of the above-mentioned natural disasters, including a lightning strike, as well as a technical malfunction or other accidental event, with the exception of intentional arson or intentionally caused explosion (detonation).
Clause "Partial comprehensive insurance"
Under this clause, we cover damage resulting from an insured event specified in the "Minimum comprehensive insurance" clause, as well as damage from:
traffic accident within the meaning of the Road Traffic Act - an event that occurred during the movement of a road vehicle and caused injury or death to people, damage to a road vehicle, road, road facility, load or other material damage, including:
damage to the insured motor vehicle while parked, caused by another vehicle;
hit by a stone or other object on the insured motor vehicle, deflected during the movement of another motor vehicle;
damage to the insured motor vehicle while parked, caused by an animal;
accidental fall of objects or liquids from buildings, aircraft bodies or parts thereof;
damage to the insured motor vehicle, as a result of an accident of plumbing, sewage, steam pipe or sprinkler installations in a covered garage or parking lot where it was parked.
Theft Clause
Under this clause, the Insurer covers as a result of the following insured events:
theft of an entire motor vehicle;
robbery of an entire motor vehicle;
illegal confiscation of an entire motor vehicle with the intention of using it.
Full comprehensive insurance clause
Under this clause, the Insurer covers all risks specified in the clauses "Minimum comprehensive insurance", "Partial comprehensive insurance" and "Vehicle Theft", as well as:
theft by burglary or by technical means of durable factory-installed multimedia equipment, including audio, video and/or navigation equipment;
malicious actions of third parties /with the exceptions described in the general conditions of the insurance/;
intentional arson or intentionally caused explosion (detonation) of motor vehicles.
Clause "Additional multimedia equipment"
This clause covers theft by burglary or by technical means, robbery or malicious acts by third parties of retrofitted and permanently attached multimedia equipment, including audio, video and/or navigation equipment, for an additional premium paid.
The clause can only be entered into in combination with a Full Hull clause.
Benefits of insurance
This insurance will provide you with the following benefits:
selection of insurance coverage tailored to your individual needs;
protection on the territory of Bulgaria and the member states of the "Green Card" system;
free roadside assistance in the event of an insurance event on the territory of Bulgaria up to 250 km. total mileage;
free car assistance abroad with certain liability limits for all passenger cars insured with "Comprehensive vehicle insurance" with a total weight of up to 3.5 tons and up to 9 seats (including the driver's seat), registered in Bulgaria. The coverage is for events that occurred outside the territory of Bulgaria - on the territory of the member states of the "Green Card" system;
option to pay the dividend in up to 4 installments;
no requirement for inspection of the motor vehicle if insurance is renewed without interruption at IJSC "Armeets";
option to choose the method of compensation in case of an event and according to the arrangements of the policy:
repair in an official service center – as we assign the repair and pay for it to an official service center with which we have a contract, or reimbursing the cost of repair according to submitted invoices;
repair in a trusted repair shop
by assigning the repair and paying for it to a repair shop with which we have a contract;
according to an expert assessment of IJSC "Armeets".
Where can you take out the insurance?
You can take out vehicle comprehensive insurance at all our offices (link to contacts), as well as at insurance intermediaries who are our partners.