General Terms and Conditions
By using this website, you agree to the terms set out below. Please read them carefully. Everywhere below the word “Broker” means “GENERAL BROKER CLUB” Ltd. The purpose of these general terms and conditions is to regulate the relationship between “GENERAL BROKER CLUB” Ltd. and users who through the use of the site www.general.bg in real time, by means of an online order, instruct the Broker in its capacity as an insurance broker to conclude, on their behalf and on their behalf, an insurance contract to insure their interests against remuneration, which is included in the insurance premium and payable by the insurer.
Information
“GENERAL BROKER CLUB” Ltd. with registered office and address of management in Sofia, Jk Lyulin II part, bl.279, Vh.V, floor. 10, ap.6, IEC 201044795, e-mail: office@general.bg, is an insurance broker registered by decision №790-ZB/01.12.2021 in the register of insurance intermediaries led by the Financial Supervision Commission. You can therefore consult the Financial Supervision Commission, Gr. Sofia ul. “Budapest” №16, or on its website www.fsc.bg.
“GENERAL BROKER CLUB” Ltd. does not own, directly or through related persons, more than 10 percent of the votes in the general meeting or of the capital of an insurer, nor does an insurer or a parent company of an insurer hold more than 10 percent of the votes in the general meeting or of the shares in the capital of “GENERAL BROKER CLUB” Ltd.
“GENERAL BROKER CLUB” Ltd. does not have a contractual obligation to perform insurance mediation exclusively for one or more insurers, and does not provide its advice pursuant to Art. 325a, para. 5 of the CC to its clients in connection with the conclusion of insurance contracts, but only objective information to help them make an informed decision on choosing insurance.
In carrying out its activities, “GENERAL BROKER CLUB” Ltd. represents the user of insurance services.
“GENERAL BROKER CLUB” Ltd. can perform insurance mediation only for insurers with whom it has concluded a contract at the date of conclusion of the insurance contract. Including, but not limited to -”ZD EUROINS AD, DZI - Total Insurance EAD, ZK “Lev Ins” AD, ZAD “Bulstrad Vienna Insurance Group”, ZAD “Armeec” AD, “ZAD DallBogg: Life and Health” AD, ZAD “OZK - Insurance” AD, “Generali Insurance” AD, ZD “Bull Ins” JSC, JSC “Allianz Bulgaria” AD, ZK “UNIKA” AD, “Grupama Insurance” EAD, ZAD “Asset Insurance” AD, “OZOF Doverie ZAD” AD, “ZK Bulgaria Insurance” AD, ZD “OZOK Ins” AD, “Bulgarian Export Insurance Agency /BAEZ/” EAD, ZD “Svalsie” AD, “European Insurance and Insurance Company” JSC, ZAD “Bulstrad Life Vienna Insurance Group” AD, ZK “UNIKA Život” AD, “ZD Euroins Život” EAD, “Life Insurance Institute” AD, JZK “Svalsie” AD, ZEAD “CCB Život” EAD.
You have the right to instruct “GENERAL BROKER CLUB” Ltd. to prepare advice based on a fair and personal analysis. According to Art. 301, para. 5 — The insurance broker provides advice prepared on the basis of a fair and personal analysis under Art. 325a, para. 5, when this is assigned by a user of insurance services.
Under the insurance contracts concluded with his intermediary, “GENERAL BROKER CLUB” Ltd. receives remuneration in the form of a commission, included in the insurance premium and paid by the insurance company.
If you have any complaints about the service provided by “GENERAL BROKER CLUB” Ltd., please submit the valid complaints to the address Sofia, ul.” Yakubitsa “№7b and e-mail office@general.bg. “GENERAL BROKER CLUB” Ltd. undertakes to receive a response to your complaint within 10 (ten) days of receiving it at the address specified by you.
In case you have complaints about the service provided by “GENERAL BROKER CLUB” LTD, complaints against “GENERAL BROKER CLUB” Ltd. can be submitted to the Financial Supervision Commission and other state bodies, as well as through the forms for out-of-court dispute resolution available to the user of insurance services in the Republic of Bulgaria.
Administration of personal data
“GENERAL BROKER CLUB” Ltd. is the Administrator of personal data. For more information, please see our customer privacy notice available at https://general.bg/politika-za-poveritelnost/
Information about the insurer
The necessary pre-contractual information about the insurer required under Art. 324 CC (company, legal organizational form, registered office and address of management, the procedure for filing complaints and settlement of claims, etc.) can be found in the “Home” section, section “Our partners” on the website.
Guarantee Fund
All insurers in the Republic of Bulgaria offering the compulsory civil liability insurance for motorists and/or the compulsory accident insurance for passengers make contributions to the Guarantee Fund, in the amount determined by the Financial Supervision Commission. The Guarantee Fund is a legal entity with its registered office in the city of Sofia, ul. “Graf Ignatiev” № 2, floor 4, tel. 02/980 30 49; 02/ 980 66 72. The Guarantee Fund pays compensation to persons injured in road transport accidents, when they are caused by an unidentified motor vehicle on the territory of Bulgaria or the guilty driver does not have insurance “Civil Liability” of motorists.
For more information, please contact the Guarantee Fund of the specified phones.
Offered insurance through online ordering on the site
On the website www.general.bg, at the moment “GENERAL BROKER CLUB” Ltd. offers the conclusion of compulsory civil liability insurance for motorists, by filling out an application, in an insurance company chosen by the user.
Civil Liability Insurance for Motorists
The cost of insurance is determined by the selected insurance company, type of vehicle, region of registration of the vehicle, information about the owner of the vehicle, the term for which the insurance is concluded and the mode of use of the vehicle in each individual case.
You can find out the exact cost, including the cost of delivery of the insurance policy and the requisites to the policy, after full and correct filling in of all the required data and before finally confirming your desire to purchase the insurance.
The information on the site is updated in a timely manner when the tariffs of insurance companies change, so that the price specified on the site is up to date, if possible, at any time.
Insurances ordered through the website are paid by cash on delivery to the courier, upon delivery to the guarantor. The insurance contract is considered concluded from the moment you receive confirmation of the conclusion of the insurance at the e-mail address specified by you (e-mail). The entry into force of the insurance coverage is expressly agreed with the insurance contract, but cannot be earlier than 00:00 on the day following the day of the conclusion of the contract.
Within three working days of receiving the order through the website, the Broker will send you the insurance policy signed for the insurer in paper form together with the accompanying documents — a Green Card certificate and a sign issued by the Guarantee Fund.
An additional installment can also be paid at any office of the Broker. The addresses of the offices of “GENERAL BROKER CLUB” Ltd. are indicated on this website in the “Contacts” section.
The insurance contract is concluded at a distance in paper form, self-signed by the parties. Signing by you and paying the premium in cash is made upon receipt of the policy.
Conclusion of a contract with “GENERAL BROKER CLUB” LTD
Through an online order for the issuance of insurance on the website www.general.bg, you enter into a contract for the provision of financial services at a distance with “GENERAL BROKER CLUB” Ltd. in accordance with the Law on Provision of Financial Services at a Distance. By virtue of this contract, you instruct “GENERAL BROKER CLUB” Ltd. to conclude, on your behalf and on your behalf, an insurance contract under conditions and with an insurance company that you have chosen using the site. For the conclusion of the contract with the Broker, registration of the user for use of the site is not required.
The contract with “GENERAL BROKER CLUB” Ltd. is considered concluded from the date of submission of an online order by you for the conclusion and delivery of an insurance contract through this website. The contract is concluded for a specific order placed by you and terminates with the fulfillment of the obligation of the Broker to deliver the insurance policy, receipts, stickers and all requisites to the policy and payment of its price (the premium due) by you.
Rights and obligations of users
By submitting an online order for the conclusion and delivery of an insurance contract through this website, you agree to receive the insurance policy and accompanying documents and to pay the insurance premium due before the expiration of the period in which you can withdraw from the contract concluded with “GENERAL BROKER CLUB” LTD for the provision of financial service at a distance.
As a user of the service offered through this site, you undertake to provide complete, true and accurate information when filling in the data in the online order for the product you have chosen, and you declare that you are informed that the validity and validity of the insurance contract concluded through the intermediary service provided by the Broker depends on this. The user of the site is obliged to correctly and accurately provide his personal data or the data of the legal entity whose interests are the subject of insurance, on the basis of which the Broker can carry out identification according to its internal rules under the ZMSIP.
When placing an online order, you have the right to choose the method of delivery of the insurance policy and accompanying documents — by courier to the address specified by you or to receive it personally at the Broker's office of your choice.
Only a consumer — a natural person who acts outside the scope of his commercial or professional activity, has the right to withdraw from the contract with “GENERAL BROKER CLUB” OOD within 14 days of placing an online order through this website, and should send a written notification to the Broker at the address: gr. Sofia, ul.” Yakubitsa “№7b, together with all the documents received (insurance policy, the Green Card certificate and the mark issued by the Guarantee Fund).
In case of a wish to refuse the order by the users who have the right to do so, within the same period of 14 days from the sending and it is necessary for the user to notify the Broker by phone 0700 11 661, or by email office@general.bg. In this case, if possible, the Broker cancels the issued policy without the user having to pay any fees or expenses.
If the policy you ordered was issued and entered into force before receiving the cancellation notice from the Broker, then you are obliged to contact the insurance company for termination of the insurance policy. The insurance company has the right to withhold, for the period during which the insurance policy was active, the insurance premium due from the amount paid by you at the conclusion of the insurance.
In case of cancellation of the contract with “GENERAL BROKER CLUB” Ltd., the costs of delivery of the policy paid by you are not refundable. “GENERAL BROKER CLUB” Ltd. will not claim a penalty for exercising the right to withdraw from the contract concluded with the Broker.
After the expiry of this 14-day period, in case you want to terminate the insurance contract concluded through “GENERAL BROKER CLUB” Ltd., you must contact the insurance company that issued your policy directly.
Rights and obligations of “GENERAL BROKER CLUB” LTD
When concluding a contract with the Broker through the use of this site, the user, on the basis of the information provided on the site, chooses the insurance that is most appropriate in view of his needs.
The broker has the right to temporarily limit or suspend the provision of the service for ordering insurance through this site, in order to increase the quality of services. The broker does not guarantee that access to the site will be uninterrupted, timely, secure and error-free, insofar as this is beyond its capabilities, control and will and is not responsible for not providing access to the site, as well as for the non-processing or untimely processing of online orders in the event of circumstances beyond its control.
Notwithstanding the stated limitations of liability, the Broker takes the necessary care to ensure that the data, information and information on the site are always correct and up to date.
Limitations of Liability
“GENERAL BROKER CLUB” Ltd. is not responsible for the completeness, accuracy, reliability and applicability of the information published on the website, nor for its timely updating, is not responsible for errors, incompleteness or loss of information on the website.
In the event that the user cannot be found within the delivery time at the address indicated by him or access and/or delivery conditions of the policy and accompanying documents by the courier company are not provided, the Broker is released from his obligation to deliver it and from liability for the possible negative consequences for the consumer from this. The broker is also not responsible for delays in the delivery of the policy for reasons for which the courier company is responsible.
“GENERAL BROKER CLUB” Ltd. does not provide professional advice or opinion on a matter or problem with the information published on this website. Also, none of the Broker, or its representatives or employees shall be liable for damages arising out of or in connection with the use of this website or the information on it.
This comprehensive limitation of liability of “GENERAL BROKER CLUB” Ltd. applies to all types of damages, including but not limited to direct and indirect damages, damages, lost profits, loss of data, loss or damage to property or claims by third parties.
The Website may contain links to other Internet pages. The broker is not responsible 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 “GENERAL BROKER CLUB” Ltd. is responsible for or guarantees the content of the same.
The broker has the right at any time without limitation and without notice to change the content of this website and these Terms of Use or to restrict or terminate users' access to it. Any amendment to these Terms will be posted on this website and by continuing to use the website after the announcement of such change, you confirm that you agree to be bound by the so amended Terms of Use. In case of doubt about the veracity of the information on this website, we advise you to seek confirmation by contacting the Broker directly on 0700 11 661.
Applicable law
The content of this website and the services and information offered are in accordance with the applicable Bulgarian law. The contract for the provision of remote financial service concluded with “GENERAL BROKER CLUB” Ltd. through the use of this website is subject to Bulgarian law.
Other conditions
The products and services offered through this website are intended only for persons domiciled or registered at an address of management and carrying out activities in Bulgaria. By ordering insurance online, you confirm that you are a local and that you will notify “GENERAL BROKER CLUB” Ltd. immediately if you cease to be such. The Terms of Use are provided only in Bulgarian language.
