What is this type of insurance?
Casco "For you" is an insurance product designed for owners of cars up to 9 seats, incl. and trucks up to 2.5 tons total weight over 4 years, with the sum insured from BGN 2,000 to BGN 40,000 BGN. The insurance is concluded under the general conditions for car insurance "Casco +", clause "Full Casco" of "DZI" -General Insurance EAD (DZI) and insurance policy “Road Assistance” with clauses Premium and Abroad for new customers or newly insured vehicles for the Insurer. The owner or the car has been without Casco insurance with DZI for the last 30 days. The following are not insured under the Casco "For You" insurance product:
- DZI clients who have had Casco insurance in the last three years and an increase in the premium (malus) is applied when concluding a new one;
- Right-hand drive vehicles;
- training and taxi cars, rental cars, racing cars.
What does the insurance cover?
The insurance covers full loss or partial damage that the insured would suffer with the insured vehicle in realizing the following risks:
- natural disasters: storm, hurricane, hail, flood, landslide or landslide;
- accidental fall of branches, trees and other objects as a result of the above natural disasters;
- fire due to the above natural disasters, thunder (lightning strike);
- snow and / or ice accumulation due to heavy snowfall;
- falling ice cubes or snow masses in case of sudden meteorological changes;
- sea waves, volcanic action;
- events as a result of an accident of facilities outside the vehicle - water supply, sewerage, steam, gas, electricity, etc., as well as from the explosion of such facilities;
- fire and / or explosion due to a technical malfunction, which occurred during rest of the vehicle and the engine is not running, when the engine is switched on and running during a standstill, time of movement of the vehicle;
- traffic accidents;
- collision with or impact from motor vehicles and / or other physical bodies, including road accidents, according to the Road Traffic Act;
- damage to the insured vehicle in a parked condition by another vehicle;
- malicious actions of third parties - damage to the vehicle by third parties through mechanical impact (impact with a hard object, scratching, intentional overturning of the vehicle), flooding with chemically active substances (acids, bases, etc.);
- theft of an entire vehicle;
- robbery of an entire vehicle;
- deliberate arson or detonation of a vehicle;
- theft by burglary of permanently installed in the vehicle multimedia equipment, audio and video equipment, including navigation equipment, when part of it;
Why take out Casco For You insurance?
One of the main benefits that casco insurance provides is saving money in the event of unforeseen events. The inspection upon concluding the insurance contract is performed on site at the offices of I&G Brokers. When concluding the insurance, an option is selected for elimination of the damages in a trusted service or by expert assessment, and the insurance candidate chooses an insurance amount within the range offered by the Insurer for the specific vehicle. In case of concluded Casco "For You" insurance of the insured vehicle, an Annual Technical Inspection may be performed at a preferential price at the SBA points throughout the country.