Civil Liability Price Margin Increases
Early in this year's campaign, the price of civil liability is now quite different from the past year's. In its calculation a number of risk indications have been included. And as the BANKER wrote in its previous issue, the system bonus-malus now works primarily with its malus part.
With DZI the price starts from BGN446 . For more experienced drivers, the minimum is BGN203, if they want to drive abroad and BGN168 for Bulgaria. Prices for Varna, Blagoevgrad, Pernik and Plovdiv are between BGN162 and BGN913 . There is a 5% discount when the driver is over 25, and has caused no damage in the last three years.
The most expensive policy is with in the Armeec, where it is BGN440. It applies to cars over 2,500 cubic centimeters. The price is increased by 25% if the driver has less than one year experience or is below 25 years or has been guilty of causing accidents in the last three years. The company evaluated as the most risky the regions of Sofia, followed by Burgas, Varna, Plovdiv, Pernik, Kyustendil and all places from the region of Sofia.
For people from villages, there is a 10% discount. This is the discount for drivers of over 35 and has a valid license.
Age matters for Allianz, too. The company believes that drivers below 25 years are riskier. If the car is 2500 cc and is registered in Sofia, and will be driven abroad, the price reaches BGN400. The cheapest policy is for people between 26 and 70 years in Pazardzhik, Haskovo, Pleven, Vidin, Dobrich, Kyustendil, Yambol, Vratsa and other smaller areas for vehicles up to 1300 cc - BGN183. If the vehicle is operated only in Bulgaria the cost drops to BGN 168 per policy. For people over 71 years the price is respectively BGN200 and BGN183 . Drivers of Pernik are defined as risky as well as those in Burgas, Varna, Plovdiv, Stara Zagora, Rousse and Blagoevgrad.
A total of BGN645 is the charge for the residents of Sofia and Pernik, who are under 23, and drive cars over 2600 cc, if they are insured with Uniqua. If clients do not use green card for abroad, the price drops to BGN585 . The cheapest policy is BGN260 . The company has three age groups. People between 23 and 30, will have to pay between BGN195 and BGN485 , and those over 30 - from BGN173 to 430 levs.
In Victoria the age is also crucial for the price. People aged below 30, from Sofia, Plovdiv, Varna and Burgas, who drive the most powerful cars not only in Bulgaria but also in the EU must pay BGN550 per policy. If they get restricted to driving only within the country, the price is BGN470 .
Up to BGN346 reach charges for drivers between 30 and 50 and for older people they can be as high as BGN341 . In other larger cities, such as Blagoevgrad, Pazardjik, Pleven, Dobrich, etc., the prices are between BGN160 and BGN521 , the most expensive are policies for young drivers with powerful cars. In smaller cities, prices are between BGN157 and BGN521.
In Evroins the price of a policy for cars from Sofia is between BGN189 and BGN308 depending on the engine and no green card while with it the range is between BGN209 and BGN328. For people from Plovdiv, Varna, Burgas, Pernik, Elin Pelin, Kostinbrod and Bozhurishte rates are between BGN185 and BGN322, while for other cities - from BGN181 to BGN316. On these prices they add BGN11.40 for the Guarantee Fund.
Between BGN205 and BGN299 is the price of the civil liability policy at Lev Ins with registration numbers C and CA and driving in Bulgaria and the EU. For use only in Bulgaria, the cost is reduced by BGN30. The tariff falls by BGN60 of the base price if the vehicle is registered in other cities in the country. The policy is more expensive by 25% for drivers who have caused more than one accident last year.
A total of BGN351 costs the most expensive policy with Bulgarski Imoti for cars from Sofia, Plovdiv, Varna and Burgas, with an engine of over 2300 cc engine to be driven in the country and the EU. In other regions of the country drivers pay by BGN10 less.