Terms and Conditions

01 General provisions

By accepting these Terms and Conditions as a consumer of insurance services, you may authorise “SONERS GRUP” EOOD, with its registered seat and management address in Burgas, Lazur bl. 65, correspondence address: Burgas, Lazur bl. 65, UIC 147246077, represented by its manager YAKUB YUSEINOV SOLAKOV, hereinafter the “INSURANCE BROKER” (Certificate No. 678-ЗБ / 05.05.2020 issued by the FSC), to conclude on your behalf and for your account, as the insured person, an insurance contract chosen by you.

The INSURANCE BROKER does not hold, directly or through related parties, more than 10 per cent of the votes in the general meeting or of the capital of any insurance company, nor are the votes in the general meeting of its partners and the shares of its capital held or controlled by an insurer.

Through this website the INSURANCE BROKER offers to a natural person residing in the Republic of Bulgaria, or a legal entity registered and operating in Bulgaria, who uses the services provided remotely through the INSURANCE BROKER’s page and who acts outside the scope of their commercial or professional activity, the conclusion — through the intermediation of the INSURANCE BROKER — of the compulsory “Motor Third Party Liability” insurance and the voluntary “Accident of occupants in a motor vehicle” insurance, the voluntary “Motor Casco” insurance and others, with an insurance company chosen by the consumer.

The services provided by the INSURANCE BROKER are carried out on the initiative of and following an explicit request from the consumer. Under the insurance contract and the authorisation granted, the consumer owes payment of the price of the insurance, which is the sum of the premium due under the policy and any additional fees to cover the costs of servicing the insurance.

02 Contract

By using the online insurance services provided by the INSURANCE BROKER, the consumer enters into a contract with the INSURANCE BROKER for the provision of a financial service at a distance in accordance with the Distance Provision of Financial Services Act. Under this contract you authorise the INSURANCE BROKER to conclude, on your behalf and for your account, an insurance contract on the terms and with the insurance company you have chosen using the website.

The contract is deemed concluded as of the date on which you submit an electronic order for the delivery of insurance through this website. The contract is concluded for the specific and correctly submitted order and is terminated upon fulfilment of the INSURANCE BROKER’s obligation to deliver to you the insurance policy, receipts, stickers and all documents accompanying the policy, and upon your payment of its price (the premium due). The insurance premiums of the insurance products are in Bulgarian leva. For the compulsory “Motor Third Party Liability” insurance, in addition to the tax due under the previous sentence, the consumer also pays, together with the premium, the value of the sign under Art. 487 of the Insurance Code pursuant to the ordinance under Art. 504 of the Insurance Code, as well as the contribution due to the Guarantee Fund. All amounts due from the consumer together with the insurance premium are shown on a separate line in the insurance policy. The insurance contract is deemed concluded from the moment the consumer pays the insurance premium due and receives confirmation of a concluded contract.

The INSURANCE BROKER and the insurer are not liable for incorrect, untrue or incomplete information entered by the consumer.

To conclude “Motor Third Party Liability” insurance at a distance, the consumer must attach a scanned copy of the first part of the registration certificate of the motor vehicle in respect of which the insurance is concluded.

By submitting an electronic order for the delivery of insurance through this website you declare that the information provided by you is complete, true and accurate and you are aware that the validity and effect of the insurance contract concluded through the intermediary service provided by the INSURANCE BROKER depend on it, and that you agree to receive the insurance policy and its accompanying documents and to pay the insurance premium due on time.

03 Withdrawal from a distance contract

The INSURANCE BROKER declares that it makes every effort to maintain accurate and true information about the tariff and other insurance terms offered by the insurance companies. Should there be an inaccuracy in the disclosed terms, the INSURANCE BROKER must notify the consumer before the respective insurance contract is issued, and on this ground the latter has the right to refuse to conclude the insurance contract without owing any penalties or fees in connection with the refusal.

Should a consumer who is entitled to do so wish to cancel the order within 14 days of its submission, the consumer must notify the INSURANCE BROKER on +359 876 533 522 or by email at info@zastrahovki.com. In this case, if possible, the issued policy is cancelled without the consumer owing any fees or costs. If the ordered policy has already been issued and has entered into force before the statement of cancellation of the order is received, or after the said 14-day period, the cancellation of the insurance policy is carried out following an explicit statement from you to the insurance company. The insurance company has the right to withhold part of the amounts paid, corresponding to the period during which the insurance policy was in effect. The insurer returns to the consumer all amounts paid by them, except for the amounts to be withheld, no later than 30 days from receipt of the consumer’s notice of exercising their right of withdrawal.

The insurance contract concluded through this website may be terminated by mutual consent of the consumer and the insurer expressed in writing; in accordance with the terms of the respective insurance, unilaterally by the insurer in cases of instalment payment of the insurance premium — upon non-payment within the term agreed in the insurance contract, after the insurer has fulfilled its statutory obligations (Art. 368 of the Insurance Code).

Should the consumer exercise their right of withdrawal, they are obliged to return to the INSURANCE BROKER the documents sent to them on paper (insurance policy, “Green Card” certificate and the corresponding section of the sign under Art. 487 pursuant to the ordinance under Art. 504, para. 1, where applicable, and others).

04 Prices

The price of the insurance varies depending on the chosen insurance company, the object of the insurance, the risk profile and insurance history of the object of the insurance, the term for which the insurance is concluded, the payment frequency and other specifics of the respective type of insurance contract. The exact price, according to the personal characteristics of the consumer, including the costs of delivering the insurance policy and its accompanying documents, can be checked after full, accurate and correct completion of all required data for the respective type of insurance and before you finally confirm to the INSURANCE BROKER your wish to purchase the insurance.

05 Payment and delivery

The price of a product ordered from the online store may be paid using one of the following methods:

• Cash on delivery
• At an office of the INSURANCE BROKER

The INSURANCE BROKER is not liable in the event that the insurance premium due is not paid on time by the policyholder and, as a result, the insurer has taken action to reduce the sum insured under the contract, corresponding to the part of the unpaid premium; to amend the terms of the contract; or to terminate it.

06 Collection and use of personal data

The INSURANCE BROKER collects personal data (such as name, address, telephone, e-mail and others) only where these are voluntarily provided by the website users in connection with submitting an electronic order to conclude insurance. The personal data may be used by the INSURANCE BROKER for direct marketing by sending additional information about the services provided by the INSURANCE BROKER and any discounts and promotions organised independently or jointly with third parties, for which the consumer gives their explicit consent by submitting the electronic order through the website. Any personal data voluntarily provided by users when using the website will be used only for the purposes for which they were provided and in accordance with applicable Bulgarian legislation and the legislation of the European Union.

The INSURANCE BROKER may not provide the personal data of website users to third parties, except for the insurance companies that issue the policies ordered through the website, without the explicit consent of the person who provided the personal data. In some cases, where third parties provide services in connection with maintaining the website, they may gain access to users’ personal data solely for the purposes of its maintenance. The INSURANCE BROKER undertakes to take all measures to protect the personal data of website users in accordance with the provisions of the Personal Data Protection Act.

The information provided may be used only for the purpose of improving the website’s services. Personal data cannot be disclosed when collecting this type of information. IP addresses may be used to identify website users only in the event of a breach of these Terms or where the content of the website or other users is endangered.

07 Cookies

Cookies (“cookies”) are small files of information that are stored in your internet browser or hard drive when you visit the website. Cookies allow us to improve the website so that it contains the most useful information for you. You can set your internet browser so that it does not store cookies, or delete those already stored. If you wish to use these functions, you should use the settings of your internet browser.

We are not liable if your internet browser does not support the functions for controlling the use, refusing the storage or deleting stored cookies. Should you disable the storage of cookies or delete those already stored, the functioning of the website may be impaired.

08 Other

The website www.zastrahovki.com may contain links to other websites, and the INSURANCE BROKER is not liable for the information contained on other pages, nor for damages arising from their content or maintenance, nor for the protection of personal data on such pages. The presence of links to other websites does NOT mean that the INSURANCE BROKER is responsible for or guarantees their content.

09 Updates

The INSURANCE BROKER reserves the right to update these Terms and Conditions.