Civil liability and Аutocasco
Civil Liability covers the liability of owners and drivers in respect of injuries caused by them and/or death and / or material damage to third parties for which they are responsible under the applicable law.
• LIABILITY LIMITS:
The liability limits are the same for all insurance companies and are as follows:
For events occurring on the territory of the Republic of Bulgaria:
For each event with one injured person - BGN 2 000 000;
For each event with two or more injured persons - BGN 10 000 000;
For damage to property for each event - BGN 2 000 000
In the case of events occurring in the territory of a Member State of the European Union:
The minimum limits of liability applicable in the Member State concerned on the territory of which the insured event has occurred subject to its law or coverage under the law of the territory where the motor vehicle is normally based, when such coverage is higher.
• TERRITORY OF VALIDITY:
Motor Civil Liability Insurance is valid on the territory of the member states of the European Union, the European Economic Area and the signatories to the Multilateral Agreement (Austria, Belgium, Bulgaria, UK, Germany, Greece, Denmark, Estonia, Ireland, Iceland, Spain, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, Finland, France, the Netherlands, Croatia, Czech Republic, Sweden, plus Andorra, Serbia and Switzerland.)
• GREEN CARD CERTIFICATE
The Green Card is an international certificate of Civil Liability, which certifies whether the vehicle has a valid Civil Liability and whether the policy covers the territory of the respective country.
For countries that are members of the European Union, the European Economic Area and the signatories to the Multilateral Agreement, the certificate is not necessary. There is no border control and it is not required when entering the territory of the respective country. The countries in which the insurance is valid are Austria, Belgium, Bulgaria, UK, Germany, Greece, Denmark, Estonia, Ireland, Iceland, Spain, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, Finland, France, the Netherlands, Czech Republic, Sweden plus Andorra, Croatia and Switzerland.
A green card certificate is mandatory when traveling to all other countries that are parties to the Green Card agreement – Albania, Bosnia and Herzegovina, Belarus, Macedonia, Israel, Iran, Moldova, Morocco, Russia, Tunisia, Turkey, Ukraine and Montenegro.
The document will be required when crossing the border, upon a roadside inspection or road accident.
Auto Casco insurance provides full insurance for protection of the motor vehicle against fire, theft, malicious actions by third parties, natural disasters, road accidents including damage of the vehicle when parked and other non-excluded events resulting in partial damage or complete loss of the vehicle
- Natural disasters
- Traffic accident
- Malicious actions by third parties
- Theft or robbery
Accident in respect of seats
The insurance provides for the payment of benefits to persons in the vehicle for personal injuries or fatal accidents occurring as a result of a road accident up to one year as of the event date.
All vehicle seats declared in the vehicle registration documents, including the driver's seat, are insured. All persons in the car during car accidents are considered insured.
The Auto Assistance Insurance offers assistance in case of an accident if you are traveling with your vehicle. In the event of a breakdown or accident, the insurance company offers an emergency centre phone number at which you may call and receive instructions and help. The insurance is intended to assist with the payment of hotel, accommodation and transport costs in the event of an accident.
Travel insurance abroad
Travel insurance abroad, also known as Travel Assistance, Medical Insurance or Assistance Insurance, provides the necessary financial means and information for obtaining timely and specialised medical assistance when staying abroad.
Different coverage and insurance amounts are available on the insurance market for the following products:
- Travel assistance abroad – Business Coverage;
- Travel assistance – travel trips;
- Medical expenses.
The usual coverage that these products provide includes:
- Medical care costs in the event of an accident or sudden illness (depending on the chosen coverage, outpatient treatment costs and urgent dental costs with various limits specified by the insurance companies may also be covered);
- if necessary, admission to the nearest hospital is provided and if necessary repatriation to Bulgaria, including via sanitary aircraft;
- repatriation in case of death;
- organising and paying legal protection in cases where the insured person is subject to civil liability under the law of the country in which he resides
Usually, insurance companies state requirements for the maximum age of insured persons above which it is not possible to conclude such insurance