Insurance To protect your Bulgarian home and feel save Bulgarian Home Care Ltd suggest all clients to insured there properties. We are able to organize all types of insurance for you – basic building insurance, contents insurance, car insurance, third liability insurance etc. It is not necessary you to be present in your property for arranging the insurance.

We shall visit it with the Insurance agent, prepare the needed photos from the side for your insurance file, supply you with the insurance quotation and after your instructions arrange the papers on your behalf.

Standard Building insurance - "Fire and Allied Perils"

What is the object of that insurance?
 
Immovable property:

• Dwellings, condominiums, offices, facility buildings

Movable property:

• Furnishing, technology and devices (consumer electronics, household electric appliances and office equipment),

• Agricultural facilities, machinery, equipment.

• Material supplies.

According to the Special Conditions and an additionally bonus the following objects can be insured:

• Precious metals and articles of them, coin collections, other collections, books, expensive furs and goods of fur, fine art, antiquities, masterpieces

• Fences, supporting walls, walls.

Perils:

• Basic cover – Fire, lightning, explosion, implosion, collision or falling down of aircraft, parts of it or its cargo.

• Additional cover - Arson: a fire resulting from arson, malicious explosion or other malicious actions by third parties

• Additional cover - Perils of Nature: storm, falling of trees or branches, hail, torrential rainfall, flood, natural accumulation of snow or ice and/or exposure to frost

• Additional cover – Water/Steam Leakage

• Additional cover – Strikes, civil commotions, riots, disturbance: The Insurer shall indemnify the Insured against total or partial damages to insured property resulting from uprisings, riots, civil commotion, disturbances, disorders, strikes

• Additional cover – Landslide, subsidence or damage due to underground water

• Additional cover – Sea wave activity

• Additional cover – Malicious actions of third parties.

• Additional cover – Earthquake

Third party liability of the Insured for damages caused to third partiers by the insured property under the covered by the insurance policy event.

Burglary, robbery and vandalism insurance

What is the object of that insurance?
 
Personal property that is already insured against "Fire and Allied Perils":

• fixed assets incl. equipment- machinery, wrapping, business inventory and etc.;

• material supplies - materials, goods, production, unfinished production;

• technology and devices, household electric devices, home property, electric devices;

• jewellery, pearls, precious stones, unprocessed precious metals, (except those used for decoration);

• shares, stocks, cheques and etc., saving-bank books;

• personal property on special agreement;

• items of historic, numismatic, artistic value and philately. Masterpieces, unique things and etc.

“Motor third party liability”

What is the object of that insurance?

Compulsory insurance “Motor third party liability” covers the liability of the Insured against material damages or bodily injures they have been caused to third parties by use of motor vehicles, for which damages the Insured is liable under the Bulgarian legislation or the legislation of the country on the territory of which the accident occurred. 


“CASCO” insurance of Motor vehicles for the territory of Bulgaria and Europe - /Eurocasco/

What is the object of that insurance?

According to your individual needs, you may choose:
 
CLAUSE  „ Minimal casco”
Risks covered:
Fire; hurricane; hail; flood; lightning; snow and/or ice accumulation, resulting from intensive snowfalls; sea waves; landslides; water mains break downs, canalization, steam piping systems, gas transportation systems, electricity power lines and other similar equipment, as well as from explosions caused from or to such equipment.

CLAUSE „Partial casco”
Risks covered:
All risks, as per clause “Minimal casco”, as well as:
Accidental airplane crashes or the falling of other objects on the vehicle; Crashing into or impact by the vehicle and/or other physical objects, including road traffic incidents, as per the Law of road transportation; Incidental opening of a hood or a door of the MTV while driving, if this has not occurred due to the negligence of the Insured.

CLAUSE „Extended casco”
Risks covered:
All risks under clause “Partial casco”, as well as:
Damages caused to the MTV by third parties via mechanical impact (impact with a hard object, scratching, intentional turnover of the MTV), effects from chemically active substances (acids, bases and others), arson and explosion.

CLAUSE „Full casco”
Risks covered:
All risks, as per the clause “Extended casco”, as well as:
Theft of the whole vehicle; theft via burglary of a permanently mounted car audio, radio etc. similar equipment at a unit value of up to 5 % of the sum insured for the vehicle. The Value of the additional equipment will be entered in the policy but it should not exceed a total of 20% of the sum insured; robbery of the whole vehicle;

CLAUSE „THEFT”
Risks covered:
Theft of the whole vehicle; Robbery of the whole vehicle.

For more information and arrangements, please contact us.