Winners Casco

Owning a car is a serious expense. If you want good protection for your car, choose to take out “Motor Casco” insurance as well.

Who it is for

Cover is available for cars, vans and lorries, mopeds and motorcycles, tractor units, buses, trailers and semi-trailers, trolleybuses, and agricultural, construction, in-plant, wheeled and tracked machinery.

What is covered

Cover is provided for events, grouped into different clauses, that may lead to the partial or total loss of your vehicle, such as:

• Natural disasters
• Events caused by the failure of installations outside the vehicle – water mains, sewers, steam pipes, gas pipes, power lines, etc. – as well as by the explosion of such installations
• Fire and/or explosion due to a technical fault
• Road traffic accidents
• Aircraft or other objects accidentally falling onto the vehicle
• Malicious acts of third parties
• Arson or deliberate explosion
• Theft and robbery of the whole vehicle
• Theft by break-in of insured permanently fitted audio equipment
• Roadside Assistance abroad – peace of mind when travelling abroad (in EU member states and the member states of the international “Green Card” agreement), including specialist technical, transport and legal assistance
• Roadside recovery within the Republic of Bulgaria for cars and goods vehicles up to 3.5 t gross weight
• Territorial scope
  The Republic of Bulgaria, the member states of the European Union (EU) and the member states of the Multilateral “Green Card” Agreement. The risks “Theft of the whole vehicle”, “Robbery of the whole vehicle”, “Fire and/or explosion due to a technical fault” and “Arson or deliberate explosion of the vehicle” when the event occurs in Russia, Ukraine, Belarus, Moldova, Albania, Bosnia and Herzegovina, the Republic of Kosovo, or in member states of the Multilateral “Green Card” Agreement located outside Europe, with the exception of the Republic of Türkiye.

When you take out the policy, you can choose how damage to your vehicle will be repaired in the event of a claim. The options depend on the age of the vehicle and the special arrangement you choose:

• Authorised dealer garage
  Covers the cost of repairing the vehicle at a garage of the official dealer for Bulgaria, or against original invoices. Available for all types of vehicles up to 5 years old subject to a minimum premium, and, with a premium loading, for cars and goods vehicles up to 3.5 tonnes gross weight aged over 4 and up to 8 years, subject to a minimum sum insured.
• Approved repairer
  Covers the cost of repair at a garage approved by the insurer, against original invoices. Available for all types of vehicles with no age limit, subject to a minimum premium under the insurer’s current tariff.
• Expert assessment
  The amount of the indemnity payable is determined on the basis of the Insurer’s expert assessment.
• Repair abroad
  Allows partial damage to the insured vehicle to be repaired in the country where the event occurred. Available for an additional premium for vehicles up to 8 years old.

How much it will cost you

The premium can be paid in a single payment or in two, three or four instalments. Contact us and we will calculate a premium to suit your needs.

How to get insured

• When the policy is taken out, the vehicle is presented for inspection by a representative of the insurer to establish its technical condition, identify it and record any existing damage or missing parts.
• To take out a policy you need to provide the following documents:
  • proof of ownership of the vehicle;
  • the owner’s identity document;
  • a proposal form for the insurance.

We at Winners Group EOOD will find you the best value for money, because we believe every client deserves special attention.