Our locations
     

Motor Casco

kasko.jpg

Who is the insurance intended for?

Motor Casco in Generali is intended for individuals and/or legal entities owners of motor vehicles, including construction and road construction machinery (motor machinery) with their own engine, trailers and semi-trailers, agricultural and forest machinery, all of them being with Bulgarian plate numbers and usual domicile in the Republic of Bulgaria. 


What risks does the insurance cover?

Risk clauses

Covered risks

MINIMUM CASCO CLAUSE

It covers the following risks:

  • Fire and explosion
  • Natural disasters – damages caused by earthquake, storm, hurricane, hit to motor vehicles by objects blown off by storm or hurricane, thunder, lightning,  hails, flood, heavy rain, volcanic activity, accumulation and sliding of snow or ice, impact of sea waves, sliding or collapse of earth masses, object falling on motor vehicles as a result of the above natural disasters
  • Failure of installations – damages caused by failure of water pipe, sewage, gas pipe and steam pipe installations (that are not part of motor vehicles) – significant failure (bursting, smashing, cracking or breaking) of the respective installation thus disturbing its normal operation;

PARTIAL CASCO CLAUSE

It covers the above risks, as well as: 

  • Damages due to a car accident
  • Damages caused to the motor vehicle during a stop
  • Damages caused to the motor vehicle while being parked
  • Damages as a result of sudden opening of a motor vehicle bonnet or door

EXTENDED CASCO CLAUSE

It covers the above risks, as well as: 

  • Willful actions of third persons – damages caused to the motor vehicle by third persons through mechanic impact (hit with an object, scratching, deliberate turnover of motor vehicle, etc.), pouring chemically active substances (acids, bases, etc.), arson and explosion.

FULL CASCO CLAUSE

It covers the above risks, as well as: 

  • Theft of the whole motor vehicle;
  • Robbery of the whole motor vehicle;
  • Damages of a motor vehicle found after a theft or robbery;
  • Burglary of audio equipment, GPS and other devices permanently installed in the mother vehicle – audio, radio, GPS and other similar equipment with a unit price of up to 5% of the insurance amount of the motor vehicle;

What is the territorial cover of the insurance?

The insurance is valid on the territory of the Republic of Bulgaria, Europe and the entire territory of the Republic of Turkey.


What discounts does Generali offer?

Generali Insurance provides its clients with flexible options for optimization of the insurance premium by using different types of discounts and combination with other insurances.

  • In case a Motor Third Party Liability Insurance exists – 5%
  • Upon single payment of the insurance – 5%
  • For clients with good risk profile – from 5 to 10%
  • Attractive bonus scale upon renewal of the insurance – up to 15%
  • In case of 1% deductible of the insurance amount for each insurance event – 25% discount
  • In case of 2% deductible of the insurance amount for each insurance event – 35% discount

What kind of actions should I undertake upon occurrence of insurance event?

Upon occurrence of insurance event you are obliged:

  • to immediately inform all competent authorities, depending on the type of the insurance event (Ministry of Interior, fire safety and civil protection authorities and/or other).
  • to inform Generali Insurance by calling the 24 hours assistance phone or in writing by fax or e-mail as set out in the policy, and to explain the circumstances in relation to the occurrence of the event.
  • if possible, to inform Generali Insurance within 2 (two) hours of becoming aware of occurred theft or robbery of the motor vehicle – personally or through your representative, by calling the 24 hours assistance phone (including on holidays) as set out in the insurance policy. The insured person is obliged to inform Generali Insurance in writing within 24 hours of becoming aware of the theft or robbery of the motor vehicle, by submitting a written notice to the closest office of the Insurer.
  • to inform Generali Insurance within three business days of becoming aware of other insurance events – personally or through your representative, by submitting a written notice.
  • to provide the insured motor vehicle and the required assistance to the Insurer for the inspection and description of the damages as well as for any additional or follow-up inspection.
  • to submit the documents requested by Generali Insurance for proving the event and identifying the amount of damages.

In case of insurance events occurred abroad, the clients of Generali Insurance are serviced by ЕUROP ASSISTANCE, the network of Generali Insurance companies and external correspondents assisting the claim settlement.

ЕUROP ASSISTANCE – a world leading assistance service provider, offers services in 10 languages, has 36 call-centers and 33 subsidiaries worldwide.

PROVIDES ASSISTANCE FOR:

  • Transportation
  • Service
  • Inspection and pictures
  • Hotel
  • Transport of clients

  ENSURES 24-hours ASSISTANCE CENTER: +359 2 92 67 222

  • Upon announcing an insurance event that has occurred on the territory of Bulgaria and abroad;
  • In case of need of assistance in relation to insurance event on the territory of Bulgaria and abroad.

CALL CENTЕR - 0800 12 712 (toll free line countrywide)


How is the insurance compensation defined?

Upon occurrence of insurance events, Generali Insurance applies varied compensation methods, and namely:

In case of partial damage of a motor vehicle for which up to 3 /three/ years have passed from the date of first registration to the beginning of the insurance, the insurance compensation is defined in one of the following ways chosen by the insured person:

  • on the basis of submitted original invoices of a car repairs station in the Republic of Bulgaria authorized by the manufacturer of the respective brand issued on the grounds of an authorization letter by the Insurer, and the insurance compensation is paid to the authorized car repairs station;
  • on the basis of submitted invoices of another car repairs station at prices not higher than those of the official importer/ authorized car repair station agreed with the Insurer;
  • repairs of the damages in a “trusted” car repairs station designated by the Insurer, and the insurance compensation is paid to the respective car repairs station;
  • on the basis of expert evaluation.

In case of partial damage of a motor vehicle for which 3 to 5 years have passed from the date of first registration to the beginning of the insurance, the insurance compensation is defined in one of the following ways chosen by the insured person:

  • on the basis of submitted original invoices of a car repairs station in the Republic of Bulgaria authorized by the manufacturer of the respective brand issued on the grounds of an authorization letter by the Insurer, provided the minimum premium fixed by the Insurer has been paid upon making the insurance.
  • on the basis of submitted invoices of another car repairs station upon explicit written consent of the Insurer and upon observance of its limit values of service hour and quantity and price of painting materials;
  • repairs of the damages in a “trusted” car repairs station designated by the Insurer, and the insurance compensation is paid to the respective car repairs station. During the repairs of the motor vehicle, any damaged parts are replaced with parts of alternative manufacturer or with second hand parts, and if supply is not possible – with parts of the official importer, or compensated on the basis of expert evaluation;
  • on the basis of expert evaluation;

In case of partial damage of a motor vehicle for which 5 to 10 years have passed from the date of first registration to the beginning of the insurance, the insurance compensation is defined in one of the following ways chosen by the insured person:

  • repairs of the damages in a “trusted” car repairs station designated by the insurer, and the insurance compensation is paid to the respective car repairs station, provided the minimum premium fixed by the Insurer has been paid upon making the insurance. During the repairs of the motor vehicle, any damaged parts are replaced with parts of alternative manufacturer or with second hand parts, and if supply is not possible – with parts of the official importer, or compensated on the basis of expert evaluation;
  • on the basis of submitted invoices of another car repairs station upon explicit written consent of the Insurer, provided the minimum premium fixed by the Insurer has been paid upon making the insurance, and upon observance of its limit values of service hour and quantity and price of painting materials;
  • on the basis of expert evaluation;

In case of partial damage of a motor vehicle for which more than 10 years have passed from the date of first registration to the beginning of the insurance, the insurance compensation is defined in one of the following ways chosen by the insured person:

  • repairs of the damages in a “trusted” car repairs station designated by the Insurer, provided the minimum premium fixed by the Insurer has been paid upon making the insurance. The insurance compensation is paid to the respective car repairs station. During the repairs of the motor vehicle, any damaged parts are replaced with parts of alternative manufacturer or with second hand parts;
  • on the basis of expert evaluation.

Why should I insure with Generali?

  • You save money because our prices are beneficial – ask to make sure!
  • We offer guaranteed maximum protection
  • We offer free of charge road assistance for up to 300km in case of a car accident
  • You get professional service – both upon making the insurance and upon filing a claim. There are no improper questions, we will spend time for each of you!
  • We offer quick handling and online registration of claims – we proceed to liquidation immediately after providing all required documents. 
  • Choose any of the trusted car repair stations within the wide network.
  • We offer transparent, correct and loyal relations.

Download Files

ОУ Каско 15.08.2017.PDF 6.44mb