Eklektus

Services

Insurance services

Motor insurance

Motor insurance

Casco (comprehensive motor cover)

Casco compensates you if your vehicle is damaged, stolen or written off. If you are involved in a road traffic accident, if your car is targeted by third parties, or if someone else damages it, you are spared the repair and related costs that would otherwise follow.

Third party liability for motorists

A compulsory policy covering the driver’s liability for material and non-material damage caused to third parties in a road traffic accident.

Green Card

The international certificate of third party liability insurance, valid when travelling outside Bulgaria.

Accident cover for vehicle occupants

Covers accidental injury to the driver and passengers while travelling in the vehicle.

Roadside assistance

Help and support on the road in the event of a technical fault, breakdown or accident.

Property insurance

Property insurance

Property of private individuals

Covers property used by the insured in their home and household: immovable property (residential buildings and their installations, floor coverings, doors and windows, sanitary fittings, outbuildings and farm buildings in the yard) and movable property (radio, television, audio, video and computer equipment and similar).

Property of companies

Insurance of buildings, equipment, stock and other company property against fire, natural disasters and further risks.

Industrial fire

Specialised cover for manufacturing and industrial sites exposed to fire and related damage.

Construction and erection risks

Cover during construction and installation work for damage to the site, the materials and the equipment.

Electronic equipment

Insurance of computer, office and other electronic equipment against technical breakdown, short circuits and external impact.

Transport insurance

Transport insurance

Cargo

The policy covers goods in transit and the material interests attached to them, whatever the mode of transport, against loss and/or damage arising from the insured risks. Cargo policies follow the internationally accepted Institute Cargo Clauses: A (full cover), B (restricted cover) and C (minimum cover).

Aviation insurance

Cover for aircraft and the liability attached to them.

Marine hull

Insurance of vessels against loss, damage and the related liability.

Carrier liability

Covers the carrier’s liability for damage to the goods being carried while in transit.

Liability insurance

Liability insurance

Tour operator liability

Covers the tour operator’s liability for damage caused to clients through non-payment, insolvency or bankruptcy: refunding sums paid in advance, the cost of returning the traveller, and the settlement of claims.

Liability of certified accountants

Covers damage to third parties resulting from culpable failure by certified accountants and audit firms to perform their professional duties.

Medical malpractice liability

Professional liability for harm caused to patients as a result of medical error or negligence.

Liability in design and construction

Covers the professional liability of designers, contractors and supervisors for damage connected with the construction process.

Lawyers’ professional liability

Covers the professional liability of lawyers for damage caused in the practice of the profession.

Agricultural insurance

Agricultural insurance

Crops

Intended for agricultural producers and farmers. The policy covers the harvest from field and vegetable crops, orchards, rose and mulberry plantations, vineyards, strawberries, raspberries and other plantings against losses from hail, storm, whirlwind, tornado, torrential rain and other natural disasters.

Animals

Insurance of farm animals against disease, accident and natural disasters.

Health insurance

Health insurance

Medical expenses when travelling abroad

For Bulgarian and foreign nationals resident in Bulgaria. Covers costs, or pays compensation, in the event of an insured event, accident or acute illness outside Bulgaria, including assistance with repatriation. People aged 0 to 80 can be insured.

Voluntary health cover

Additional health cover beyond compulsory health insurance, chosen by the client.

Personal accident

Cover for bodily injury resulting from a sudden, unexpected event.